California Real Estate News & Market Information

California is a diverse state, but is vastly different from North to Central to Southern California.  There are a lot of reasons to be in California, from the weather to the State's beauty and culture.  In our Blog you will find information on cities and counties as well as statistics on the health of the state's real estate industry.  You will likely find investing in California real estate to be quite lucrative.

We will explore real estate loans as well as trends in California real estate.

We encourage you to ask questions and participate as we delve into a variety of issues related to real estate and real estate investing.

Dec. 20, 2019

Where is the Housing Market Headed in 2020?

Where is the Housing Market Headed in 2020?

  • Interest rates will be lower than they have been since before 1980 at 3.8% and are projected to remain steady throughout 2020!
  • According to CoreLogic, home prices will appreciate at a rate of 5.4% over the course of the year.
  • Experts predict that the number of homes sold next year will be equal to or outpace 2019.

Where is the Housing Market Headed in 2020? [INFOGRAPHIC] | Keeping Current Matters

Dec. 19, 2019

5,300 Reasons to Be Happy You’re a Homeowner

5,300 Reasons to Be Happy You’re a Homeowner

Studies have shown that, in many cases, the largest asset a family owns is the house they live in. Over the last twelve months, that asset has gained substantial value.

CoreLogic just released their 2019 3rd Quarter Homeowner Equity Insights Report. The report revealed that:

“U.S. homeowners with mortgages (roughly 64% of all properties) have seen their equity increase by a total of nearly $457 billion since the third quarter 2018, an increase of 5.1%, year over year.”

The equity in a property is determined by comparing the current value of the property against the outstanding mortgage debt. As prices rise, the equity in a home increases.

The report went on to explain that the average homeowner gain in equity over the last twelve months was $5,300.

Here’s a map showing the average equity gain by state:

5,300 Reasons to Be Happy You’re a Homeowner | Keeping Current Matters

Since the housing crash in 2008, many homeowners have felt trapped in their current houses, as they didn’t have enough equity to sell. The gains in equity over the past few years may have freed some homeowners who have a desire to move.

If you’re curious about your home’s equity, contact me for a market analysis of the current value of your house. You may be pleasantly surprised.

Dec. 18, 2019

Stress-Free Holiday

Tips For a Healthy, Stress-Free Holiday!

Before you let your to-do list overwhelm you, check out the tips below to have a healthy and stress-free holiday. You will find little hacks on how to beat the germs, navigate your holiday shopping and re-energize your spirit.

Cheers to a smooth holiday season for you and your family!

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Dec. 16, 2019

The Buyer Stakes Are High Because Inventory Is Low


The Buyer Stakes Are High Because Inventory Is Low


The reality of what we’re seeing this month is that homes are selling fast. In today’s strong seller’s market, bidding wars are common and expected with starter or entry-level homes.

In most areas of the country, first-time buyers have been met with fierce competition throughout their homebuying experience. Some have been out-bid multiple times before finally going into contract on a home to call their own.

Right now, inventory is the big challenge. Here’s what we know today:

According to the latest Existing Home Sales Report from the National Association of Realtors (NAR), there is currently a 3.9-month supply of homes for sale, which can drive this kind of hefty buyer competition. Remember, anything less than 6 months of inventory is a seller’s market.

Even though the month’s supply of inventory is not increasing, ironically, the number of homes for sale is. This means homes are coming up for sale, but they’re being sold quickly. The graph below shows the year-over-year change in inventory over the last 12 months.


December 2019: The Buyer Stakes Are High Because Inventory Is Low | Keeping Current Matters

As depicted above, the percentage of available inventory has fallen for four consecutive months when compared to the previous year.

So, what does this mean? If you’re a buyer, be sure to get pre-approved for a mortgage and be ready to make a competitive offer, so you can move quickly. Chances are, homes high on your wish list are likely going to go fast.

While thinking of buying a home, make sure you’re taking the right steps at the beginning of the process, so you’re a top contender if you ultimately find yourself in a bidding war. Reach out to Tamme Pairman and Freedom Realty Group determine what you need to do to make your move toward homeownership.

Dec. 12, 2019

A 365 Day Difference in Homeownership

Become a First-Time Homebuyer: There are many financial and non-financial benefits to owning a home, and the most important thing is to first decide when the time is right for you. You have to determine that on your own, but know that now is a great time to buy if you’re considering it. Just take a look at the cost of renting vs. buying

Over the past year, mortgage rates have fallen more than a full percentage point. This is a great driver for homeownership, as today’s low rates provide consumers with some significant benefits. 

The chart below shows how much you would save based on today’s rates, compared to what you would have paid if you purchased a house exactly one year ago, depending on how much you finance.

A 365 Day Difference in Homeownership | Keeping Current Matters | Keeping Current Matters

If you’ve been waiting since last year to make your move into homeownership, today’s low mortgage rates may be just what you need to get the process going!

Dec. 10, 2019

Have You Budgeted for Closing Costs?

Saving for a down payment is a key step in the home buying process, and it’s not the only piece you need to include in your budget. Another factor that’s important to plan for is the closing costs required to obtain a mortgage.

Image result for closing cost budgeting

What are closing costs?

When you close on a home, a number of fees are due. They typically range from 2% to 5% of the total cost of the home, and can include title insurance, origination fees, underwriting fees, document preparation fees, and more.


Keep in mind closing costs are typically between 2% and 5% of your purchase price.


Reach out to Freedom Financial and myself to discuss the home-buying process to be sure your plan includes budgeting for what you need to purchase your dream home-without any surprises!

Dec. 6, 2019

Millennials Are On The Move

Millennials are on the move as first-time homebuyers!

Is Your First Home Now Within Your Grasp? [INFOGRAPHIC] | Keeping Current Matters

Nov. 25, 2019

Holiday Fun

It's the Holiday break!  What are your plans?

If you are unsure and want some great ideas, look at what is happening around Folsom!

Head outside in the cool crisp nights and enjoy beautiful Christmas lights, hot cocoa, ice skating and just spending fun times with friends and family!


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Nov. 22, 2019

Maple Garlic Roasted Turkey Recipe

Maple Garlic Roast Turkey Recipe

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In this fall-inspired main dish, turkey is brushed and basted with a maple-garlic butter throughout the roasting process, creating both sweet and savory flavors that harmonize into the perfect bite.

Serves 6–8


Posted in Holiday Ideas
Nov. 20, 2019

Buyers Are Looking Now. Are you Ready to List Your Home?

Inventory on the market today is low, especially among existing homes in the entry and middle-level tiers of the market.  It is hovering well below the 6-month supply typically found in a more normal market, as shown in the graph below:


Buyers Are Looking Now. Are You Ready to List Your Home? | Keeping Current Matters

With inventory being one of the biggest housing market challenges today, finding a starter home right now isn’t easy. According to the Q3 Housing Trends Report from the National Association of Homebuilders (NAHB), 68% of those searching for a home think their search will get harder or stay about the same over the next 12 months.

The same study reveals,

“In Qtr3’19, buyers actively engaged in the process of buying a home are more likely to have spent at least 3 months searching (58%) than a year earlier (55%).”

  This is certainly no surprise, given the current inventory status. So, what’s the good news? The NAHB continues to say,

 “If still unable to find a home in the next few months, the next step for most long-time searchers is to continue looking for the ‘right’ home in the same preferred location (52%). The next step for 35% is to expand their search area and for 16% is to accept a smaller/older home. Only 15% will give up looking.”

What does this mean for homeowners?

If you’re thinking of selling your home, buyer demand is high – and those looking in your neighborhood aren’t planning on giving up anytime soon. The majority of potential buyers who are still searching for their dream home are eager, willing, and ready to buy, so maybe it’s time to list your house and make your move.

Bottom Line


With buyer demand as high as it is today, and inventory in the entry and middle-tier markets remaining low, it’s never been a better time to move up. Reach out today to determine if now is your time to sell.