Count on a educated Realtor to accomplish your goals. As a buyer, Kellie’s short sale, REO expertise will guide you smoothly threw the buying process. As a seller, you can count on Kellie to get the job done efficiently. Excellent communication skills accompanied by persistence and professional organized packages are a few of the tools Kellie implements to achieve success.

To determine America’s most pretty towns, Forbes asked for picks from several experts, including Salt Lake City-based architectural photographer Alan Blakely; residential designer Erin Anderson; painter John Vander Stelt; Bob Krist, photographer and host of PBS’ Restoration Stories; Sarah Tuff Dunn and Greg Melville, coauthors of 101 Best Outdoor Towns; Danno Glanz, a designer at urban planning firm Calthorpe Associates; and Greg Ward, coauthor of The Rough Guide USA.
Here’s what they had to say about Cambria, California:

This Central California coastal town is situated near Hearst Castle, just south of Big Sur. Designer Erin Anderson says Cambria “is truly a small town, complete with general store, antique shopping and shops featuring local artisans.” Moonstone Beach, she adds, is a “great place to view migrating whales, sea otters, and elephant seals.”

For additional facts and market information call the market specialist Kellie Williams

I will be at 642 Ashby in Cambria holiding an open house from 11 A.M. to 3 P.M on Saturday April 10, 2010. Come take a look at this incredible property and say hello.

This is the most impressive reports in the business.  LIVE MLS REPORTS PACKED WITH CUSTOM PROPERTY, MARKET, SCHOOL AND COMMUNITY INFO. WITH PHOTOS, LIVE INTERACTIVE MAPS AND GRAPHS.

If you are a buyer or seller you NEED this information in order to make informed decisions. Drop me an email at brokerkellie@inreach.com  for your custom market report.

Sales of existing detached homes hit bottom in the last quarter of 2007, and have since gradually climbed back. Following two years of steep declines exceeding 20 percent, annual sales in the California housing market are expected to increase 12 percent to $395,600 in sales in 2008, with a further 12.5 percent increase projected in 2009.
Information provided by the California Association of Realtors.
To obtain more information about the State of California Housing Market 2008-2009
go to: www.clarusresource.com/datamine.

Kellie Williams is your source for market information on the Central Coast
Interested in obtaining information about Shortsales, Foreclosures/ REO’s or unique properties on the Central Coast? Email brokerkellie@inreach.com

$529,900 1941 Astor Ave., Cambria

$1,199,000 611 Dover Lane, Cambria

$725,000 591 Morro Ave., Morro Bay

$819,000 589 Morro Ave., Morro Bay

$849,000 255 Driftwood St., Morro Bay

$999,900 221 Main St., Morro Bay

$1,450,000 225 Main St., Morro Bay

$404,900 180 4^th Street, Cayucos

.Information has not been verified, is not guaranteed, and is subject to change. Copyright 2009 by the following Associations of REALTORS® – Atascadero, Paso Robles, Scenic Coast, San Luis Obispo, Pismo Coast, Santa Maria, Santa Ynez Valley. All rights reserved.
Copyright ©2009 Rapattoni Corporation. All rights reserved

     1.     Friendly people.

With today’s combination of lower home prices, some of the lowest interest rates the industry has ever offered, and the $8000 tax incentive for first-time buyers, buying a home has never been so attractive. The only real hurdle left for many Americans is coming up with a down payment. With this in mind, I have put together some of the most frequently asked questions we get about down payments in today’s market.

Q. Are there any no-down payment programs left?

Yes. While it’s true that most of the popular no-down payment programs disappeared in the wake of the subprime mortgage collapse, there are still two longstanding government-backed programs that offer mortgages with no down payment: the USDA Rural Development Program and the VA Loan Program.

A USDA Guaranteed Loan is a government-insured, 100% purchase loan. YES CAMBRIA QUALIFIES.. inquire about other towns!! This means there is no down payment required if you – and the house you intend to buy – qualify for the program. Not all areas qualify, but you’d be surprised at how many neighborhoods in your area do. There are income and other limitations, but if coming up with a down payment is challenging, you might want to consider this program.

If you or your spouse is a military veteran, you may qualify for a 100% financed loan from the US Department of Veterans Affairs. More than 29 million veterans and service personnel qualify for this service benefit.

 Q. Are there any other government-insured programs that can help someone struggling with a down payment?Yes. In 1965, the federal government created the FHA loan programs to encourage homeownership throughout the country. FHA-insured mortgages offer many benefits, including a minimum down payment of 3.5%. FHA-insured loans have grown in popularity recently due to the seller’s ability to pay closing costs up to 6% and a temporary increase in loan limits up to $729,750 in certain high-cost areas, which allows more potential buyers to utilize this program.

Q. May I use funds from my IRA for my down payment?Yes. First-time home buyers can use funds from an IRA under certain circumstances for a down payment. The rules regarding this option, however, can be complicated, especially with a Roth IRA, and it’s important to understand any and all tax implications before tapping into these accounts. Please talk to your tax professional before making any decisions.

Q. May I use the $8,000 tax credit as my down payment?No. At the time of the writing of this article, qualified first-time home buyers do not have direct access to the $8,000 credit to use as a down payment. In May, HUD officials made an announcement to the contrary, but statements backing the announcement were quickly withdrawn from the HUD website. This doesn’t mean that HUD and lawmakers will not allow this in the future. 

Kellie Williams has sold a total of 149 properties totaling $80,956,098 in sales.

Buying or selling? You can count on Kellie’s local knowledge to assist you in a successful, smooth transaction.

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