ADVERTISING SUPPLEMENTBuyers' BestFriend-LowThank You!100TH ANNUAL100th InstallationSponsorsINAUGURAL BALLCEATING THE INSTALLATKON OFInterest RatesCRMLSProeident NancyTroxell CarnahaFinance of AmericaSouthand Regional Association of RealtorsBy Dan Tresierras, President, and David WskerHigh prices and competitionfrom prospective buyers, makebuying a home difficult, yetcurrent low interest rates are abuyer's not-so-secret weapon.Carlson Law GroupSOUTHLAND REGIONALSUPRAAssoCIATION OF REALTORS", INc.EscrowTechnologiesAND THE 2000 OFTICIAS DIRICTORSSATURDAY. JANUARY 18, 2020month going back to April.That means that while the condomedian price is higher than November2018, the monthly PITI- principaland interest, taxes and insurance-payment is lower: $2,268 this yearcompared to $2,409 a year ago.And the benefits of low interest ratescross regional borders, benefitting ourneighbors in the Santa Clarita Valley torates even though the median price ofa condo in Santa Clarita was $415,000-up 6.4 percent from the $390,000median price reported 12 months ago.That makes the PITI in SantaClarita $2,092 for a median priced con-dominium. Even that was down from ayear ago when it stood at $2,203.It's also important for prospectivehomebuyers to keep in mind that aBrokerinTrustFor example, themedian price ofcondominiumsthat changedowners duringNovember inthe San Fer-nando Valley was$450,000. That700PMD GA GATY30 UN oUNAL CISpile, Leff &Goor, LLP AtCRES InsuranceDashCMATo purthase tidets ortebesponsor malKaremWasTelfair Elementary Came to SantaEighty kids can generate a whole lot of noise, especially whenlaughing, running, and having a good time. Perfect!Realtor Dan Tresiemras,Income-to-Loan GuideCondominiums - NOVEMBER  San Fernando Valley2019 SRAR Presidentup55percent or $23,500 fromthe $426,500 medianreported 12 months ago.Despite that increase,the income needed to buya condominium droppedby 5.8 percent- thanksto interest rates that are attheir lowest in three years.A year ago the nationalaverage rate on a 30-yearloan was 4.99 percent.This November it camein at 3.70 percent. SinceJuly, every month hasbeen below 4.0 percentwith the lowest of 3.61 percent re-ported in September.And, the income needed to qualifyfor an 80 percent loan has been downcompared to a year ago for everyThat's what wasexpected whenmore than sixMony ranceMinimum Income Ne eded toMedian PriceQuality for a LoanMonty PreTanes143$450,000$90,731dozen students$469Tetal Monthyfrom Telfair El-ementary Schoolin Pacoima sawSanta Claus (clev-erly played bySRAR PresidentDan Tresierras).Imelda Leano,Loan Amount (80%)$2,268$360,000Year to-Year Percentage$1,657Interest Rate-5.8%Money Merteee nd eretPayment3.70%Source: Southland Regional Association of REALTORS* PITI equals Monthly loan principal & interest, plus taxes & insurance paymentsthe subcommit-the north. The income needed to landan 80 percent loan in Santa Claritawas $83,674, down 5.8 percent from$88,109 a year ago.That's a good number due to low20 percent downpayment is no longerrequired to purchase a home. Lendersand government programs offer a vari-ety of options for lower downpayments.Some programs come with an addi-tional mortgageinsurance thatwill be addedto monthlypayments, butthat fee can.be eliminatedtee chair, made aperfect magicalelf. Many thanksto the Realtorswho donated andmade this year'sChristmas partyfull of food, fun,presents, and, ofCourse, a wholelot of laughter.Income-to-Loan GuideCondominiums  NOVEMBER  Santa Clarita ValleyMonthly insuranceMinimum Income Needed toMedian Price once 20 percentMonthy PropTaxes$131Qualify for a Loanof the home'svalue is paiddown.$83,674$415,000$432Total MonthlyPITILoan Amount (80%)The SouthlandRegional Associa-$2,092Year-to-Year Percentagetion of Realtors isa local tradeassociation wiehmore than 10,300$332,000$1,528-5.0%Interest Rate members servingMonthy Mortgage andthe San Femandoand Santa ClaritaValeys. SRAR isone of the largest3.70%Source: Southland Regional Association of REALTORS* PITI equals = Monthly loan principal & interest, plus taxes & insurancelocal associatiorsin the nationTHE VOICE FOR REAL ESTATE IN THE SAN FERNANDO AND SANTA CLARITA VALLEYSwww.SRAR.com | Real Estate Questions? E-mail Dan Tresierras, SRAR 2019 President, c/o DavidW@SRAR.comREALTORS is a federally registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORSS and subscribes to its strict Code of Ethics.EALTOR ADVERTISING SUPPLEMENT Buyers' Best Friend-Low Thank You! 100TH ANNUAL 100th Installation Sponsors INAUGURAL BALL CEATING THE INSTALLATKON OF Interest Rates CRMLS Proeident Nancy Troxell Carnaha Finance of America Southand Regional Association of Realtors By Dan Tresierras, President, and David Wsker High prices and competition from prospective buyers, make buying a home difficult, yet current low interest rates are a buyer's not-so-secret weapon. Carlson Law Group SOUTHLAND REGIONAL SUPRA AssoCIATION OF REALTORS", INc. Escrow Technologies AND THE 2000 OFTICIAS DIRICTORS SATURDAY. JANUARY 18, 2020 month going back to April. That means that while the condo median price is higher than November 2018, the monthly PITI- principal and interest, taxes and insurance- payment is lower: $2,268 this year compared to $2,409 a year ago. And the benefits of low interest rates cross regional borders, benefitting our neighbors in the Santa Clarita Valley to rates even though the median price of a condo in Santa Clarita was $415,000 -up 6.4 percent from the $390,000 median price reported 12 months ago. That makes the PITI in Santa Clarita $2,092 for a median priced con- dominium. Even that was down from a year ago when it stood at $2,203. It's also important for prospective homebuyers to keep in mind that a BrokerinTrust For example, the median price of condominiums that changed owners during November in the San Fer- nando Valley was $450,000. That 700PM D GA GATY 30 UN o UNAL CI Spile, Leff & Goor, LLP  At CRES Insurance DashCMA To purthase tidets ortebe sponsor malKarem Was Telfair Elementary Came to Santa Eighty kids can generate a whole lot of noise, especially when laughing, running, and having a good time. Perfect! Realtor Dan Tresiemras, Income-to-Loan Guide Condominiums - NOVEMBER  San Fernando Valley 2019 SRAR President up 55 percent or $23,500 from the $426,500 median reported 12 months ago. Despite that increase, the income needed to buy a condominium dropped by 5.8 percent- thanks to interest rates that are at their lowest in three years. A year ago the national average rate on a 30-year loan was 4.99 percent. This November it came in at 3.70 percent. Since July, every month has been below 4.0 percent with the lowest of 3.61 percent re- ported in September. And, the income needed to qualify for an 80 percent loan has been down compared to a year ago for every That's what was expected when more than six Mony rance Minimum Income Ne eded to Median Price Quality for a Loan Monty Pre Tane s143 $450,000 $90,731 dozen students $469 Tetal Monthy from Telfair El- ementary School in Pacoima saw Santa Claus (clev- erly played by SRAR President Dan Tresierras). Imelda Leano, Loan Amount (80%) $2,268 $360,000 Year to-Year Percentage $1,657 Interest Rate -5.8% Money Merteee nd eret Payment 3.70% Source: Southland Regional Association of REALTORS * PITI equals Monthly loan principal & interest, plus taxes & insurance payments the subcommit- the north. The income needed to land an 80 percent loan in Santa Clarita was $83,674, down 5.8 percent from $88,109 a year ago. That's a good number due to low 20 percent downpayment is no longer required to purchase a home. Lenders and government programs offer a vari- ety of options for lower downpayments. Some programs come with an addi- tional mortgage insurance that will be added to monthly payments, but that fee can. be eliminated tee chair, made a perfect magical elf. Many thanks to the Realtors who donated and made this year's Christmas party full of food, fun, presents, and, of Course, a whole lot of laughter. Income-to-Loan Guide Condominiums  NOVEMBER  Santa Clarita Valley Monthly insurance Minimum Income Needed to Median Price once 20 percent Monthy Prop Taxes $131 Qualify for a Loan of the home's value is paid down. $83,674 $415,000 $432 Total Monthly PITI Loan Amount (80%) The Southland Regional Associa- $2,092 Year-to-Year Percentage tion of Realtors is a local trade association wieh more than 10,300 $332,000 $1,528 -5.0% Interest Rate members serving  Monthy Mortgage and the San Femando and Santa Clarita Valeys. SRAR is one of the largest 3.70% Source: Southland Regional Association of REALTORS * PITI equals = Monthly loan principal & interest, plus taxes & insurance local associatiors in the nation THE VOICE FOR REAL ESTATE IN THE SAN FERNANDO AND SANTA CLARITA VALLEYS www.SRAR.com | Real Estate Questions? E-mail Dan Tresierras, SRAR 2019 President, c/o DavidW@SRAR.com REALTORS is a federally registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORSS and subscribes to its strict Code of Ethics. EALTOR

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ADVERTISING SUPPLEMENT Buyers' Best Friend-Low Thank You! 100TH ANNUAL 100th Installation Sponsors INAUGURAL BALL CEATING THE INSTALLATKON OF Interest Rates CRMLS Proeident Nancy Troxell Carnaha Finance of America Southand Regional Association of Realtors By Dan Tresierras, President, and David Wsker High prices and competition from prospective buyers, make buying a home difficult, yet current low interest rates are a buyer's not-so-secret weapon. Carlson Law Group SOUTHLAND REGIONAL SUPRA AssoCIATION OF REALTORS", INc. Escrow Technologies AND THE 2000 OFTICIAS DIRICTORS SATURDAY. JANUARY 18, 2020 month going back to April. That means that while the condo median price is higher than November 2018, the monthly PITI- principal and interest, taxes and insurance- payment is lower: $2,268 this year compared to $2,409 a year ago. And the benefits of low interest rates cross regional borders, benefitting our neighbors in the Santa Clarita Valley to rates even though the median price of a condo in Santa Clarita was $415,000 -up 6.4 percent from the $390,000 median price reported 12 months ago. That makes the PITI in Santa Clarita $2,092 for a median priced con- dominium. Even that was down from a year ago when it stood at $2,203. It's also important for prospective homebuyers to keep in mind that a BrokerinTrust For example, the median price of condominiums that changed owners during November in the San Fer- nando Valley was $450,000. That 700PM D GA GATY 30 UN o UNAL CI Spile, Leff & Goor, LLP At CRES Insurance DashCMA To purthase tidets ortebe sponsor malKarem Was Telfair Elementary Came to Santa Eighty kids can generate a whole lot of noise, especially when laughing, running, and having a good time. Perfect! Realtor Dan Tresiemras, Income-to-Loan Guide Condominiums - NOVEMBER San Fernando Valley 2019 SRAR President up 55 percent or $23,500 from the $426,500 median reported 12 months ago. Despite that increase, the income needed to buy a condominium dropped by 5.8 percent- thanks to interest rates that are at their lowest in three years. A year ago the national average rate on a 30-year loan was 4.99 percent. This November it came in at 3.70 percent. Since July, every month has been below 4.0 percent with the lowest of 3.61 percent re- ported in September. And, the income needed to qualify for an 80 percent loan has been down compared to a year ago for every That's what was expected when more than six Mony rance Minimum Income Ne eded to Median Price Quality for a Loan Monty Pre Tane s143 $450,000 $90,731 dozen students $469 Tetal Monthy from Telfair El- ementary School in Pacoima saw Santa Claus (clev- erly played by SRAR President Dan Tresierras). Imelda Leano, Loan Amount (80%) $2,268 $360,000 Year to-Year Percentage $1,657 Interest Rate -5.8% Money Merteee nd eret Payment 3.70% Source: Southland Regional Association of REALTORS * PITI equals Monthly loan principal & interest, plus taxes & insurance payments the subcommit- the north. The income needed to land an 80 percent loan in Santa Clarita was $83,674, down 5.8 percent from $88,109 a year ago. That's a good number due to low 20 percent downpayment is no longer required to purchase a home. Lenders and government programs offer a vari- ety of options for lower downpayments. Some programs come with an addi- tional mortgage insurance that will be added to monthly payments, but that fee can. be eliminated tee chair, made a perfect magical elf. Many thanks to the Realtors who donated and made this year's Christmas party full of food, fun, presents, and, of Course, a whole lot of laughter. Income-to-Loan Guide Condominiums NOVEMBER Santa Clarita Valley Monthly insurance Minimum Income Needed to Median Price once 20 percent Monthy Prop Taxes $131 Qualify for a Loan of the home's value is paid down. $83,674 $415,000 $432 Total Monthly PITI Loan Amount (80%) The Southland Regional Associa- $2,092 Year-to-Year Percentage tion of Realtors is a local trade association wieh more than 10,300 $332,000 $1,528 -5.0% Interest Rate members serving Monthy Mortgage and the San Femando and Santa Clarita Valeys. SRAR is one of the largest 3.70% Source: Southland Regional Association of REALTORS * PITI equals = Monthly loan principal & interest, plus taxes & insurance local associatiors in the nation THE VOICE FOR REAL ESTATE IN THE SAN FERNANDO AND SANTA CLARITA VALLEYS www.SRAR.com | Real Estate Questions? E-mail Dan Tresierras, SRAR 2019 President, c/o DavidW@SRAR.com REALTORS is a federally registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORSS and subscribes to its strict Code of Ethics. EALTOR ADVERTISING SUPPLEMENT Buyers' Best Friend-Low Thank You! 100TH ANNUAL 100th Installation Sponsors INAUGURAL BALL CEATING THE INSTALLATKON OF Interest Rates CRMLS Proeident Nancy Troxell Carnaha Finance of America Southand Regional Association of Realtors By Dan Tresierras, President, and David Wsker High prices and competition from prospective buyers, make buying a home difficult, yet current low interest rates are a buyer's not-so-secret weapon. Carlson Law Group SOUTHLAND REGIONAL SUPRA AssoCIATION OF REALTORS", INc. Escrow Technologies AND THE 2000 OFTICIAS DIRICTORS SATURDAY. JANUARY 18, 2020 month going back to April. That means that while the condo median price is higher than November 2018, the monthly PITI- principal and interest, taxes and insurance- payment is lower: $2,268 this year compared to $2,409 a year ago. And the benefits of low interest rates cross regional borders, benefitting our neighbors in the Santa Clarita Valley to rates even though the median price of a condo in Santa Clarita was $415,000 -up 6.4 percent from the $390,000 median price reported 12 months ago. That makes the PITI in Santa Clarita $2,092 for a median priced con- dominium. Even that was down from a year ago when it stood at $2,203. It's also important for prospective homebuyers to keep in mind that a BrokerinTrust For example, the median price of condominiums that changed owners during November in the San Fer- nando Valley was $450,000. That 700PM D GA GATY 30 UN o UNAL CI Spile, Leff & Goor, LLP At CRES Insurance DashCMA To purthase tidets ortebe sponsor malKarem Was Telfair Elementary Came to Santa Eighty kids can generate a whole lot of noise, especially when laughing, running, and having a good time. Perfect! Realtor Dan Tresiemras, Income-to-Loan Guide Condominiums - NOVEMBER San Fernando Valley 2019 SRAR President up 55 percent or $23,500 from the $426,500 median reported 12 months ago. Despite that increase, the income needed to buy a condominium dropped by 5.8 percent- thanks to interest rates that are at their lowest in three years. A year ago the national average rate on a 30-year loan was 4.99 percent. This November it came in at 3.70 percent. Since July, every month has been below 4.0 percent with the lowest of 3.61 percent re- ported in September. And, the income needed to qualify for an 80 percent loan has been down compared to a year ago for every That's what was expected when more than six Mony rance Minimum Income Ne eded to Median Price Quality for a Loan Monty Pre Tane s143 $450,000 $90,731 dozen students $469 Tetal Monthy from Telfair El- ementary School in Pacoima saw Santa Claus (clev- erly played by SRAR President Dan Tresierras). Imelda Leano, Loan Amount (80%) $2,268 $360,000 Year to-Year Percentage $1,657 Interest Rate -5.8% Money Merteee nd eret Payment 3.70% Source: Southland Regional Association of REALTORS * PITI equals Monthly loan principal & interest, plus taxes & insurance payments the subcommit- the north. The income needed to land an 80 percent loan in Santa Clarita was $83,674, down 5.8 percent from $88,109 a year ago. That's a good number due to low 20 percent downpayment is no longer required to purchase a home. Lenders and government programs offer a vari- ety of options for lower downpayments. Some programs come with an addi- tional mortgage insurance that will be added to monthly payments, but that fee can. be eliminated tee chair, made a perfect magical elf. Many thanks to the Realtors who donated and made this year's Christmas party full of food, fun, presents, and, of Course, a whole lot of laughter. Income-to-Loan Guide Condominiums NOVEMBER Santa Clarita Valley Monthly insurance Minimum Income Needed to Median Price once 20 percent Monthy Prop Taxes $131 Qualify for a Loan of the home's value is paid down. $83,674 $415,000 $432 Total Monthly PITI Loan Amount (80%) The Southland Regional Associa- $2,092 Year-to-Year Percentage tion of Realtors is a local trade association wieh more than 10,300 $332,000 $1,528 -5.0% Interest Rate members serving Monthy Mortgage and the San Femando and Santa Clarita Valeys. SRAR is one of the largest 3.70% Source: Southland Regional Association of REALTORS * PITI equals = Monthly loan principal & interest, plus taxes & insurance local associatiors in the nation THE VOICE FOR REAL ESTATE IN THE SAN FERNANDO AND SANTA CLARITA VALLEYS www.SRAR.com | Real Estate Questions? E-mail Dan Tresierras, SRAR 2019 President, c/o DavidW@SRAR.com REALTORS is a federally registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORSS and subscribes to its strict Code of Ethics. EALTOR

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