Tuesday, January 29, 2013

Mortgage Rates Climb Higher This Week!


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Mortgage Rates Climb Higher This Week!

Are you ready to buy Yet ?   
With this surge of Mortgage rates are you ready to Sell, Market is changing and we are looking for HOMES to buy !   

Check this article: 

Brought to you by Realtor.com 

Mortgage rates were on their way up this week, with the 30-year fixed-rate mortgage moving to its highest reading since Sept. 29, 2012, Freddie Mac reports in its weekly mortgage market survey. 
Still, fixed-rate mortgages remain near all-time record lows and “should continue to aid in the ongoing housing recovery,” according to Frank Nothaft, Freddie Mac’s chief economist.
Freddie Mac reports the following national averages with mortgage rates for the week ending Jan. 24: 
Are you ready to sale?   
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HAFA program Explained? 

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Monday, January 28, 2013

You have the power stop the banks !

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You have Options and we have the solution for your problem,  putting it off will not help you, all it will do is just accelerate the situation. 
Don't be taken by your bank, you need to take control over them, and decided what is what you need! 


We can always help you give us a call or visit us at:
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ARE YOU THINKING ON LISTING?
Do you want to know the Short Sale Facts for Short ? 


HAFA program Explained? 

Do you Qualify for a Short Sale? 












Friday, January 25, 2013

Know the facts before you foreclose!: Little advise in case you want to Buy or Sell !


Want to buy or Sell?
http://www.sandiegohouseshop.com/contact


Know the facts before you foreclose!: Little advise in case you want to Buy or Sell !: Brought to you by    WWW.SANDIEGOHOUSESHOP.COM    (619) 354-4636      or Click here  http://www.sandiegohouseshop.com/contact  to Reach a ...

Little advise in case you want to Buy or Sell !


Brought to you by   WWW.SANDIEGOHOUSESHOP.COM  (619) 354-4636    or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor


Little advise in case you want to Buy or Sell ! 

  • Homeowners who haven’t refinanced recently are probably paying a higher interest rate on their mortgage than is necessary.  Borrowers should take advantage of today’s record-low mortgage rates while they last.
  • With mortgage rates near the bottom and home prices on the rise, it’s still a perfect time to buy a house.  Buyers should get a mortgage pre-approval before beginning the house hunt.
  • Credit standards remain tight, and as new mortgage rules are unveiled this year, the standards are not expected to loosen.  Borrowers planning to get a mortgage anytime soon are advised to treat their credit score as one of their most valuable assets.  Most borrowers need a credit score of at least 720 to get the best rate.  Borrowers with a credit score of 680 or more can still get a good deal.
  • Sellers with equity should be considering on selling their property to be able to upgrade or down grade, kids moved away, too many rooms, need smaller homes, etc.
  • Struggling with your mortgage payments?  not able to make it ?  need help please consider a short sale, you can benefit from the type of market we are having right now here in Chula Vista and San Diego.  Short Sales are selling fast too!  
This is just a little bit of help for people looking to buy or sell their home. 

We can always help you give us a call or visit us at:
ARE YOU THINKING ON LISTING?
Do you want to know the Short Sale Facts for Short ? 


HAFA program Explained? 

Do you Qualify for a Short Sale? 

Know the facts before you foreclose!: To all my Friends watch your passwords!

Take care of your password!  
http://www.sandiegohouseshop.com

Know the facts before you foreclose!: To all my Friends watch your passwords!: Brought to you by    WWW.SANDIEGOHOUSESHOP.COM    (619) 354-4636      or Click here  http://www.sandiegohouseshop.com/contact  to Reach a C...

To all my Friends watch your passwords!

Brought to you by   WWW.SANDIEGOHOUSESHOP.COM  (619) 354-4636    or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor








To all my Friends watch your passwords!  

90% percent of passwords vulnerable to hacking
Global consulting firm Deloitte released a report recently with an alarming prediction: More than 90 percent of user-generated passwords will be vulnerable to hacking.  The report, prepared by Deloitte’s Canadian Technology, Media & Telecommunications arm, said even those passwords traditionally considered strong — with eight characters and a combination of numbers, letters and symbols — are at risk.
Most people have been told that a strong eight-character password — with a number or two and a random symbol — is sufficiently secure for even relatively high-value financial transactions. Such a password chosen from all 94 characters available on a standard keyboard is one of 6.1 quadrillion possible combinations. It would take about a year for a relatively fast 2011 desktop computer to try every variation, Deloitte says.
And because the longer and more @, * and % symbols are in passwords, the harder they are to remember. So many end up using a very small subset of those possible combinations — which makes user-generated passwords susceptible to getting cracked.
“Most people put a capital letter at the beginning, and if you use a symbol, you probably use an exclamation mark,” says Richard Lee, national managing partner in Deloitte’s Technology, Media & Telecom group.
Deloitte cites a recent study of 6 million user-generated passwords; the 10,000 most common passwords would have accessed 98 percent of all accounts.
The bigger problem, however, is password re-use, says Lee. A study by credit-checking firm Experian last year found that the average user has 26 password-protected online accounts but uses only five different passwords.
So for those who use the same password for their bank account online as for their PlayStation account, a security breach at the gaming site could expose the password that protects their bank account.
Deloitte notes advances in the hardware used to crack passwords that have made sensitive information increasingly vulnerable. One of these includes so-called brute-force attacks, which applies each of the 6.1 quadrillion combinations for an eight-character password until one works.



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Know the facts before you foreclose!: SOME THINGS TO CONSIDER WHILE BUYING AND MAYBE SEL...

Consider these before you buy or Sell !
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Know the facts before you foreclose!: SOME THINGS TO CONSIDER WHILE BUYING AND MAYBE SEL...: Brought to you by    WWW.SANDIEGOHOUSESHOP.COM    (619) 354-4636      or Click here  http://www.sandiegohouseshop.com/contact  to Reach a C...