Market Reaching its Peak

I do not profess to "Know" what the real estate market will do in the next year or two, but I would like to share some information with you that might help you in making decisions regarding buying or selling property in today's market. The following information relates to the types of mortgages that are currently being taken out by those who are currently purchasing or refinancing homes. Statistical surveys of the mortgage market shows that the percentage of adjustable rate mortgages comprised over 60% of the loans obtained in the last fiscal quarter. Even though the traditional 30 year mortgage is still very low in terms of historical comparison, buyers and homeowners that are currently buying or refinancing are electing to go with the adjustable rate almost two thirds of the time. Does that mean that they expect interest rates to go down even more, or is it because they can no longer afford the fixed interest rate, and believe that obtaining the adjustable rate is better than not buying or refinancing at all?

The real estate values in the previous five years have been largely impacted by interest rate reductions. As mortgage rates have declined, home prices have dramatically increased, with home prices doubling in the last five years. By far, the majority of the loans originated in the last five years were 30 year fixed rate loans. Within the last 12 months, that has dramatically changed.

For further analysis or information regarding market trends, please contact me at 909-869-0259 or visit my website at http://www.nefcortez.com.

MORE RESOURCES:

Leading Real Estate Company Announces Over $1 Billion in New ... - MarketWatch

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Moody#39;s: Commercial real estate prices rise - CNNMoney.com

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Architects see drop in real estate design contracts - Los Angeles Times

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/6-0fd=Rurl=http://latimesblogs.latimes.com/laland/2008/11/one-of-the-lead.htmlcid=1272058652ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNFcjLxw16eL5ALZzPDPLDlBgEnAdAArchitects see drop in breal estate/b design contracts/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1One way to tell if a recovery is on the horizon is to check in with architects. When they start drawing, development eventually follows. b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-1fd=Rurl=http://www.housingwire.com/2008/11/19/key-re-index-drops-to-record-low-in-october/cid=1272058652ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNHVFEwcnIwkTLqKbfn0v-aUDmw_ZgKey RE Index Drops to Record Low in October/a font size=-1 color=#6f6f6fnobrHousing Wire/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-2fd=Rurl=http://www.bizjournals.com/denver/stories/2008/11/17/daily32.htmlcid=1272058652ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNE8jIwdzbDGAOanaF74MaRaEsofhwBillings by architects fall in West/a font size=-1 color=#6f6f6fnobrBizjournals.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272058652hl=ennobrall 65 news articles/nobr/a/font/div/font/td/tr/table

Target shareholder revises real estate proposal - The Associated Press

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/7i-0fd=Rurl=http://www.dividend.com/blog/%3Fp%3D3631cid=1271977767ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNErSR8mI6YCuIIOYTXTB5Fj3oyCMgimg src=http://news.google.com/news?imgefp=Jrox3LLENnIJimgurl=www.dividend.com/blog/wp-content/uploads/storypics/target.jpg width=80 height=64 alt= border=1brfont size=-2Dividend.com/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/7-0fd=Rurl=http://www.google.com/hostednews/ap/article/ALeqM5izZJX0Q9xiHBM5Mg3-Ee1B6sI8wQD94I9R8O0cid=1271977767ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNFFtRw2UIL1Sk2Efbew9uE3H_0UpATarget shareholder revises breal estate/b proposal/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1Ackman unveiled a plan last month that involves creating a breal estate/b investment trust that would take ownership of the land Target owns underneath its b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-1fd=Rurl=http://www.bizjournals.com/twincities/stories/2008/11/17/daily25.htmlcid=1271977767ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNECJUcvaNQCNYWPyo3Q8Wh_uIJsDwPershing revises Target land spin-off proposal/a font size=-1 color=#6f6f6fnobrBizjournals.com/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-2fd=Rurl=http://www.reuters.com/article/americasDealsNews/idUSTRE4AH7PD20081118cid=1271977767ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNGiRZioT5Mbjurq_Z6FCRp9szzIMwPershing#39;s revised Target proposal out Wednesday/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-3fd=Rurl=http://blogs.reuters.com/reuters-dealzone/2008/11/19/troubled-retailerackman-5-bln-reit-ipo/cid=1271977767ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNEZHdvOUJiPcdXS_p6KM28IyKBP4wTroubled retailer+Ackman= $5 bln REIT IPO?/a font size=-1 color=#6f6f6fnobrReuters UK/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/7-4fd=Rurl=http://www.guardian.co.uk/business/feedarticle/8044333cid=1271977767ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNFSnR-0TPHLnf6EOKsRI3XoiPCSVgnobrguardian.co.uk/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/7-5fd=Rurl=http://leapsinvestor.com/market-news/ackman-target-shares-worth-37share-726/cid=1271977767ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNHpY5k5lkDurNHGsiY_DY0Tl4cpqAnobrLEAPSInvestor.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1271977767hl=ennobrall 129 news articles/nobr/a/font/div/font/td/tr/table

Real Estate Journalists Award NAREE Bivins Fellowships and ... - MarketWatch

Research and Markets: Conference Talk: The Great Nexus ... - MarketWatch

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/9-0fd=Rurl=http://www.marketwatch.com/news/story/Research-Markets-Conference-Talk-The/story.aspx%3Fguid%3D%257BA779D6B5-A22B-459F-A2A7-2A2CF127037B%257Dcid=1272287786ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNGBEyQjcl_-4kVbllQm7IhVy1gteAResearch and Markets: Conference Talk: The Great Nexus b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr17 hours ago/nobr/fontbrfont size=-1Deepening the capital market for breal estate/b financing with REITs and REMFs is the next big upcoming opportunity. A new emerging equation between b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-1fd=Rurl=http://www.marketwatch.com/news/story/Research-Markets-CONFERENCE-TALK-Real/story.aspx%3Fguid%3D%257B7CA5E454-47DC-47C8-BEC6-86E65F6AD2B1%257Dcid=1272287786ei=GyUlSdTbBo6CzgT0sonEAQusg=AFQjCNG5RxRERLKbk-WVL1J-3jms7F9AQwResearch and Markets: CONFERENCE TALK: bReal Estate/b - A Formidable b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272287786hl=ennobrall 13 news articles/nobr/a/font/div/font/td/tr/table

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