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Is now a better time to be a Seller or a Buyer?

By Frank Valente | December 10, 2018

This report is current for  December 2018.  When I talk with perspective sellers this time of year, a very common comment is …” We are going to wait until Spring….”.   I understand that this is a common perception.  But I have tracked our market for the last 10 years.    I always review the current inventory on a monthly basis throughout the year. On any given year, the inventory of Active homes is always less in January- February as compared to June- August.  I have found that the listing inventory decreases on any given year by about 20-40% in our market.  However looking at the same time period, the actually closed sales goes down by only 10%. So if you are a Home seller, you will have less competition over the winter months than during the summer. My recommendation is always the same.  Rather than wait until spring, get your home on the market early and beat the competition. Here are some other advantages to having your home on the market over the Holidays. Buyers who are looking during the holiday season tend to be a more serious buyer. There may be some tax advantages that will help to motivate…

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Is our Real Estate Market headed for a crash?

By Frank Valente | November 12, 2018

  Is our real estate market headed for a bust? Or maybe just a correction?  My quick answer is the market is changing got sure.  For purposes of the market, I will look at the market in Sacramanto, Placer, and El Dorado counties.  This region extents from Sacramento going up both the Highway 80 and Highway 50 “corridors” up to Lake Tahoe.   First let us look at some history.   In this region in the last 5 years, prices have gone up 50%!  We have been seeing a 8-10% increase in prices each year.  Take a look at the chart below. This rate of increase (8-10 % annually) IS NOT sustainable.   If we look at the trend in Active, Pending, and Sold homes in our region, the market has been fairly steady the last 5 years.  We have been selling about 2000-2500 resale homes in our region for the last 5 years.  Again, I am defining our region as Sacramento, El Dorado, and Placer county.  Eventhough the inventory of homes for sale ( Active homes in our multiple listing service (MLS)) has varied, the actual number of sold homes has been consistant for the last 5 years.  Take a look at…

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Are You Spending TOO Much on Rent?

By Frank Valente | November 2, 2018

Are You Spending TOO Much on Rent? | Simplifying The MarketChances are if you are renting you are spending too much of your income on your monthly housing expense. There is a long-standing ‘rule’ that a household should not pay more than 28% of their income on their rent or mortgage payment. This percentage allows the household to save money for the future while comfortably covering […]

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Taking Fear Out of the Mortgage Process

By Frank Valente | November 1, 2018

Taking Fear Out of the Mortgage Process | Simplifying The MarketA considerable number of potential buyers shy away from jumping into the real estate market due to their uncertainties about the buying process. A specific cause for concern tends to be mortgage qualification. For many, the mortgage process can be scary, but it doesn’t have to be! In order to qualify in today’s market, you’ll […]

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Thinking of Selling Your Home? Here’s Why You Need A Pro in Your Corner

By Frank Valente | October 29, 2018

Thinking of Selling Your Home? Here’s Why You Need A Pro in Your Corner | Simplifying The MarketWith home prices on the rise and buyer demand still strong, some sellers may be tempted to try and sell their homes on their own without using the services of a real estate professional. Real estate agents are trained and experienced in negotiation and, in most cases, the seller is not. Sellers must realize that […]

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Still Think You Need 15-20% Down to Buy a Home? Think Again!

By Frank Valente | October 28, 2018

Still Think You Need 15-20% Down to Buy a Home? Think Again! | Simplifying The MarketAccording to a new study from Urban Institute, there are over 19 million millennials in 31 cities who are not only ready and willing to become homeowners, but are able to as well! Now that the largest generation since baby boomers has aged into prime homebuying age, there will no doubt be an uptick in […]

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Where are Home Values Headed over the Next Few Years?

By Frank Valente | October 27, 2018

Where are Home Values Headed over the Next Few Years? | Simplifying The MarketThere are many questions about where home prices will be next year as well as where they may be headed over the next several years to come. We have gathered the most reliable sources to help answer these questions: The Home Price Expectation Survey – A survey of over 100 market analysts, real estate experts, […]

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Housing Is Still Affordable in the United States!

By Frank Valente | October 26, 2018

Housing Is Still Affordable in the United States! | Simplifying The MarketLately, there have been many headlines circulating about whether or not there is an “affordability issue forming in the housing market.” If you are considering selling your current house and moving up to the home of your dreams, but are unsure whether or not to believe what you’re seeing in the news, let’s look at […]

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Buying a Home Can Be Scary… Until You Know the Facts

By Frank Valente | October 26, 2018

Buying a Home Can Be Scary... Until You Know the Facts [INFOGRAPHIC] | Simplifying The Market

Some Highlights:

Many potential homebuyers believe that they need a 20% down payment and a 780 FICO® score to qualify to buy a home which stops many of them from even trying! Here are some facts:

  • 72% of buyers who purchased homes this year have put down less than 20%.
  • 4% of loan applications were approved last month.
  • The average credit score of approved loans was 727 in September.
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Will Home Prices Continue to Increase?

By Frank Valente | October 22, 2018

Will Home Prices Continue to Increase? | Simplifying The MarketThere are many unsubstantiated theories about what is happening with home prices. From those who are worried that prices are falling (data shows this is untrue), to those who are concerned that prices are again approaching boom peaks because of “irrational exuberance” (this is also untrue as prices are not at peak levels when they are adjusted for inflation), there […]

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“Frank helped me find a perfect house for me and my family and it was a very simple, easy process. He followed up often, we talked on the phone or via email. He made sure that the underwriter was doing everything on time so we could move in on time.”

“They were super helpful and walked me through purchasing my first home and were always available, always responsive which made what could have been a really intimidating process very easy, pain-free, and smooth. I asked him a ton of really dumb questions because as a first-time buyer I didn’t know what I didn’t know and rather than pointing me to the answer he went the extra mile and got all of the detailed information for me.”

“We were very happy with it. They advised us that we were asking too much and so we lowered it which they didn’t think was enough yet, but we wanted to try it. So we tried it for several months and it didn’t work so we lowered it again and got a bite. They were honest with us and Mary was very personable and she showed us many homes. We are in our eighties and we had some restrictions at the time so they were always very careful to see that they didn’t take me any place that I couldn’t get around. They have become very dear friends.”


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Frank Valente

Cell: (916) 257-0893

Office: (916) 290-0332

DRE # License Number: 01365213

Loomis, CA

eXp Realty of California, Inc.

Brokerage DRE # 01878277

© 2018 Frank Valente Real Estate. All Rights Reserved.