http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. 12/12/2011

Date: 12/10/2011 Time: 5:30 PM TO 7:00 PM Location:King Harbor Marina 208 Yacht Club Way  Redondo Beach, CA 90277 12/09/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. 12/09/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. 12/08/2011

Wow, another week of excitement.  Wild winds, no power, and no fires.  However, the flight in the windstorm was crazy, the tail winds were so fast that the plane never stopped shaking.  The temperatures in SoCal are so bad, that in the high desert, the temperature is 16F degrees.  Anyway, it is definitely feeling like a Christmas, the only thing missing is the snow on the beach????  Well anyway, the good news is that the Chirstmas spirit is alive and well.  Tomorrow is 2 hours first thing in the morning at church, wrapping gifts for the less fortunate.  I have just cleaned out one home, donating $1000's of dollars worth of possessions that I have collected over 10 years.  I have now learned that possessions are junk and what really counts is spirit and love.  I always knew that but now ... 12/07/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. *Sorry, I mixed up my dates in video; but this is actually for 12/7/11 12/07/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. *At time of Upload, YouTube was going thru Maintenance. If Video is not working, then please try again later.* 12/06/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. 12/05/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt.   12/02/2011

  It feels like just yesterday when my sister, mom and I were sitting by the fire pit at HT Grill enjoying martinis when Santa pulled up on his horse and carriage. The road had been closed down for the annual Holiday Stroll. There were families everywhere and the street was filled with twinkling lights, laughter and holiday cheer. We teased my sister that this kind of thing happens every day here in the South Bay. It sure did help her want to move back! ;)       It reminded me of the part in the movie Funny Farm when Chevy Chase is trying to sell his home and he bribes his neighbors to put on a whole festive show for the interested buyers. (Great movie, by the way).. In the end they decide they really don't want to move after all....Well, I am happy to report that a few years after the... 12/01/2011

Redondo Beach CA real estate market today offers many home buying opportunities.  Prices have come down, making Redondo Beach CA real estate even more attractive. and much more accessible. One of the most attractive options for today's homebuyer is buying Redondo Beach REO bank owned foreclosures. Currently there are 13 foreclosures in Redondo Beach: 5 single family homes, 5 condos and 3 townhomes. These homes have been taken back (foreclosed) by lenders who now have listed them for sale as REOs (real estate owned). Here is the list of all bank owned Redondo Beach homes as of 11/30/11. PLEASE CALL KRYSTYNA BATY AT 310.918.5027 OR VIA E-MAIL AT INFO@ISELLSOUTHBAY.COM FOR MORE INFORMATION OR TO ARRANGE A SHOWING 12/01/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage.   Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. 12/01/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. 11/30/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt.   11/29/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. 11/28/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. 11/23/2011

http://MikesDailyMarketReport.com: Provides the mortgage interest rate trends and navigates through the current interest rates for home loans.  Mike Bjork provides this daily service by watching the interest rates in California by projecting his thoughts on the mortgage interest rates forecast.  By trade, Mike Bjork is a Sr. Mortgage Planner with First Cal Mortgage. Please Subscribe to MikesDailyMarketReport.com or my YouTube Channel at MikesDailyMarketRpt. 11/22/2011

Redondo Beach is one of the three Beach Cities in Los Angeles County located in the South Bay. As of 2010, there were 66,748 people living in Redondo Beach. An outgoing community, Redondo Beach is a mix of neighborhoods, people, and activities separate from the beach lifestyle. The main attraction in the city is the Municipal Pier and strand where you'll see surfers year-round, bicyclists, skateboarders, runners, and pro volleyball players such as Kerri Walsh and Casey Jennings. Redondo Beach is divided into North and South. South Redondo is home to the pier and harbor complex bordering Hermosa Beach with wide sandy beaches and a laid-back feel. It offers several close-knit neighborhoods. The Riviera Village gives locals a common area to eat, shop, and engage with one another. North Red... 11/22/2011

I was sorting my photos today in anticipation of getting a new computer soon.  The sorting and organizing revealed some interesting photos I have yet to use on my various blogs. I'm sure the beaches were fairly deserted today after yesterday's rains ushered in a cold front.  However, there will still be walkers and runners on the beach even on the coldest days.  And sometimes I'm one of them.  Years ago I received a big yellow slicker and now have no excuse for not walking on rainy days. The lifeguard shack photo was taken by my son and it captures the endless blue water of the Pacific, the sandy beach and the colorful shack on a summer day in coastal California. The winter is wonderful time to enjoy the uncrowded beaches in coastal California and it is also a favorable time to purchase... 11/21/2011

Just thought I'd jot some notes from a conference call that we received regarding the latest on the HARP program that the Obama Administration announced a few weeks ago. The DU Refi + (Fannie Mae owned loans) and LP Open Access (Freddie Mac owned loans) will be rolled out in March 2012, as they prepare the new guidlines in their automated underwriting systems.  They will be improving the pricing (capped at .75%), which we currently see larger price adjustments based on the LTV (ratios between the mortgage balance and appraised home value).  Also, in most cases, the Appraisal requirements will be waived.  Loans will still need to have originated before June 1, 2009 to qualify.  They will allow 1 30 day late within past 12 months, but 0 within last 6 months. Most of the big Banks will be ... 11/21/2011