Cali Mortgage Rates are Hitting a Bottom Again,

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The 10year bond has took a down turn and Cali Mortgage Rates have come down back to the High 4’s on a 30 year fix.

But to tell you the truth I think this will be a quick stop and it could be possible to see rates in the high’s 3% for a quick minute. Then we’ll hear the so called experts saying where in up trend for recovery, Ya right! I say! We still have 3rd wave of foreclosures coming and then the Super Jumbo loans that nobody can get a loan on.

What Loan and Real Estate agents are seeing in California are not real buyers, only so called Investors bidding on Properties that don’t even close. Due to the fact that these investors are Hoping they can bid low without even buying the property and just wanting to flip it to a higher bidder, To make a profit. The investors are doing this by saying they are going to pay cash In hopes to get the best deal and make a quick profit. But the investor really never closes the deal because before they have to close they find a First Time Buyer that pays more because they have the cash and need financing which is not bad if you really had the cash. But the problem with these deals are that only 50% of them close because they really don’t have the cash and they can’t find a buyer in time. In return leaving the hot tamale back on the market and leaving the California housing market stressed and the true Homeowner asked out. Because the First Time Home Buyers missed out on a good deal and a chance to benefit off the First Time Home Buyer $8,000.00 tax refund.

I not saying the investor is doing a bad thing or is a bad person. Just saying that the California Housing market could see a quicker recover if more of these deals closed. So all First Time Home Buyers could a enjoy a good deal and the low Cal Mortgage Rates with a $8,000 dollar tax refund before it’s too late.

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