Westside Los Angeles area residential real estate specializing in Luxury Estates and Single Family homes in Santa Monica, Brentwood, Pacific Palisades
Selling or Purchasing a home in today’s market can be very stressful without the right Professional to guide you through the process. Susan Strutz started her career at Coldwell Banker in Brentwood California in 2002, in 2005 she received the “International President’s Elite” Award in Real Estate among various other awards throughout her 8.5 years with CB. In 2012, she moved her Business to Rodeo Realty where she continues to thrive and has been again recognized as a Top Producer earning Rodeo’s Executive Circle Award in 2012 and Director’s Club in 2013. Susan, previously sold Consulting Services on Wall Street to Banks and Brokerage Firms in New York City. Susan has lived in Santa Monica over 15 years with her Husband and raised their Son in the Santa Monica school system, she has endlessly volunteered for many years in the SM School System and currently volunteers at the American Cancer Society one day per week. Susan feel’s that ‘giving back’ is extremely important and the American Cancer Society is near and dear to her heart. With a keen understanding of the ever-shifting market, Susan continually strives to outperform the competition. Her ability to sell homes and negotiate deals, as well as her remarkable buying and selling experience means her clients always get top dollar when they list their properties with her. She is committed to successfully guiding you through the Real Estate Process, she is a 100% HANDS-ON Realtor and attentively listens to your needs and exceeds your expectations. She has received several designations including QSC, SFR, Certified Negiotator , CB Certified Green Agent and continues to keep abreast in the Industry with new and ever changing Law’s, Systems, Rules and Industry Trends.
From the bottom of our hearts, thank you to first responders and firefighters for keeping us safe ❤️ #californiafires
cloudattract.com Find out what your home is worth in today's market.
laist.com Here are 20 fun events happening in L.A. this weekend.
washingtonpost.com It could be a great year for owners, but renters can expect sharp increases.
keepingcurrentmatters.com In today's market, with homes selling quickly and prices rising, some homeowners might consider trying to sell their home on their own, known in the industry as a For Sale by Owner (FSBO). There are several reasons this might not be a good idea for the vast majority of sellers.
realtor.com A variety of vectors have dovetailed to make 2016 a great time to buy a home. Here are six good reasons to celebrate a house purchase.
Someone else put this video together in tribute to one of Tom Lehrer's greatest songs, but the original upload was out-of-sync, so I re-sync'd it and added s...
I think this say's it all!
Now, here's an idea.
Thanks to Janis Ian for sharing (author unknown).
Mountains of food. Catching up with distant relatives. Dirty dishes. Feeling a little overwhelmed by Thanksgiving? Check out these hilarious tips on how to survive the Turkey Day dinner. http://abc7.la/1SkxIK9
They deserve our full support in this difficult time. #jesuisparis
Image by Occupy Democrats please "like" our page for more.
On this 70th anniversary of the liberation of Auschwitz, we must never forget, and must together lock arms to vow NEVER AGAIN.
The Lighter Side of Real Estate
Who's got a busy day today? Don't lie, lying is the devil! :)
The Lighter Side of Real Estate
What a fantastic idea!
Economic update for the week ending October 10, 2015
Stocks close the week with big gains - Minutes from the Federal Reserve's September meeting released this week made investors feel that the Fed's first rate rise since 2006 will not happen this year. The notes revealed that The Fed is worried about unusually low inflation, spill over from slowing in China, and unusually low wage growth. They also said that the economy was still growing. The September jobs report showed job growth around 140,000 jobs a month for the last 2 months, after averaging 212,000 new jobs monthly for the first 7 months of the year. That slowdown also caused investors to expect that The Fed will not raise rates in the next couple of months as previously expected. Higher interest rates mean higher borrowing costs which cut into corporate profits, so continued low rates were seen as positive by investors. Oil prices also rose this week on fears of Russia's involvement in Syria. Low oil prices have hurt the energy sector, so energy stocks rose on higher oil prices. The dollar which has been strong this year and has caused U.S. goods to be more expensive overseas and overseas goods to be less expensive here in the U.S. also weakened this week. This was helpful as exports have suffered as a result of the strong dollar and slowing economies overseas. The Dow Jones Industrial Average closed the week at 17,084.49, up from last week's close of 16,472.37. The S&P 500 closed the week at 2,014.89, up from last Friday's close of 1,951.36. The NASDAQ closed the week at 4,830.47, up from last week's close of 4,707.78.
Treasury bonds rise from last week's lows - The 10 year Treasury bond yield closed week at 2.12%, up from 1.99% last Friday. The 30 year treasury bond yield closed Friday at 2.94%, up from last week's close of 2.82%. Bond yields follow stocks as money moves. Often when investors sell stocks on fears in the stock market they buy bonds which are safe but offer a low return. This week they bought stocks and sold bonds which drove bond yields higher.
Mortgage rates rise from last week's lows of the year – The 30 year fixed rates are around 3..875% for loans up to $417,000, and around 4.00% for loans over $417,000. The 15 year fixed rate loans are about 3.20% for loans up to $417,000, higher loan amounts have rates that are around 3.375%. 5-Year-ARM and 3–Year ARM rates are both around 3.00%.
www.modernwellnessguide.com This generation truly appreciates the long-term benefits and economic security of homeownership. In a recent survey, 84 percent of millennials said they consider their home purchase a good financial investment.
Truth in Lending Real Estate Settlement Integrated Disclosure Rule ("TRID") - What every REALTOR needs to know - Quick Ten Tips:
1) Implementation date: October 3, 2015
2)The purpose: Protect the consumer (buyer) in order that they "Know Before They Owe"
3) Four disclosures combined into two: Loan Estimate ("LE") and Closing Disclsoure ("CD")
4) Timing for delivery of LE - Within three days of Lender's receipt of a completed loan application
5) Loan documents cannot be signed less than seven days after delivery of LE
6) LE should include all fees and costs including title and escrow
7) CD must be delivered to the consumer (buyer) at lease three business days prior to signing loan documents - CD should match LE
8) Three day waiting period between delievery of CD and signing loan documents is mandatory and unlikely to be waived
9) Lenders will act with an abundance of caution with regard to timelines and waiting periods
10) Communication between REALTORS, Lenders, Title, Escrow, buyers and sellers is critical
More to come!!!
Economic update for the week ending August, 8, 2015
Stocks have losing week - Stock markets dropped in every session this week marking 7 straight days of losses. Key reasons for stocks dropping this week were: Oil prices dropped further hitting as low as $44 per barrel, a 6 year low. One year ago oil prices were over $100 per barrel. This hit energy sector stocks hard. The dollar continued to gain strength against other currencies making American goods more expensive overseas. The strength of the dollar is broadly recognized as a force weighing on U.S. growth. On Friday, the jobs report came out for July showing 215,000 net new jobs added. This was in line with expectations. The report also showed wages rose in July about 0.2% after falling in June. With strong job gains, and the unemployment rate down to 5.3% investors are convinced that the Fed will raise interest rates in September. It will be the first interest rate rise since 2006. This also is weighing on the markets.
The Dow Jones Industrial Average closed the week at 17,373.38, down from last week's close of 17,689.96. The S&P 500 closed the week at 2,077.57, down from last Friday's close of 2,103.84. The NASDAQ closed the week at 5,043.54, down from last week's close of 5,128.28.
30 year fixed mortgage rates below 4% for second week – The 30 year fixed rates ended the week around 3.875% for loans up to $417,000, and around 4.00% for loans over $417,000. The 15 year fixed rate loans are about 3.125% for loans up to $417,000, higher loan amounts have rates that are around 3.375%. The 5 Year-ARM rate is around 3.00% and 1 Year-ARM mortgages are around 2.50%.
Treasury Bond yields stable this week – The 10 year Treasury bond yield closed week at 2.18%, the same as it was last Friday. The 30 year treasury bond yield closed Friday at 2.83%, down from last week's close of 2.91%. It is widely felt that with low inflation a Fed rate hike won't heavily affect the longer term bond rates, especially with such a strong dollar.
U.S. Employers add 215,000 jobs in July – unemployment rate remains at 5.3% - The Labor Department reported that US employers added 215,000 net non-farm new jobs in July. Every sector showed modest job growth gains with the exception of the energy sector which lost 4,000 jobs in July. The energy sector has lost 75,000 jobs so far in 2015 due to falling oil prices. Average hourly wages were up 5 cents an hour to $25.99. This was good news after a 1 cent per hour drop in June. Weak wage growth has been a drag on the economy. Last week The Labor Department reported that wage growth in the second quarter of 2015 was the slowest pace of wage growth in a quarter since 1982. Fortunately, the third quarter appears to be starting off with a better pace.
rodeore.com By last count, there are approximately a zillion bagillion restaurants in LA. And yet, despite there being plenty (PLENTY) of really, really good ones, the same handful end up on basically every si...
How To Tell If Your Dog is Involved in a Sex Scandal.
If you're considering #renting or #selling to millennials, this graphic might be really helpful! #realestate #marketing
http://fal.cn/BATL Tweet Thanks to our friends at Appfolio, they’ve created this fun infographic of Millennial Renters. Source: AppFolio.com Related rental articles: The Mobile Impact: Insights Into Renter Behavior 5 Must-Know Tips for the Best Renter Relationships It’s a Numbers Game: How to Qualify Your Leads
Buying #vintage #real #estate might require a lot of fixer-upper tasks, but in the end, it could be extremely rewarding. Take a look how this couple bought a 1940's vintage #home as their first home purchase, and how they turned it around.
http://fal.cn/BiqJ Chip and Joanna Gaines help a young couple update a modest 1941 single-story, giving it a fresh, clean look and transforming it into a charming home for starting a family. From the experts at HGTV.com.
"If you are first-time #homebuyer, you might be surprised at the pitfalls that can beset you. Here are 5 #mortgage #mistakes to avoid as a first-time homebuyer."
http://fal.cn/Br2Z If you are first-time homebuyer, you might be surprised at the pitfalls that can beset you. Here are 5 mortgage mistakes to avoid as a first-time homebuyer.
First-time #homebuyer? Here are some more really helpful tips on things to take with you on your #house hunt. #realtytips
http://fal.cn/BSKN Whether you're looking for a home right now or plan to be on the hunt some time this year, don't just stumble into a house hunt unprepared. While the process is exciting, there might be a few things you want to make sure you have on hand during the search so you can hunt for the home of your dreams smarter.
Even if you decide to #build from the #ground up, we want you to #save as much #money as possible!
"Tax Write-Offs When #Building a New #Home." #realestate
http://fal.cn/BynF Whether you build it or buy it, your new home is likely to be the most expensive purchase you will ever make, according to CNN Money. The Internal Revenue Service provides some financial assistance ...
See a fixer-upper you might like? Here's a great guide to figuring out if it's worth the #investment and #work. #realestate #homerenovations
http://fal.cn/B4Rr Should You Buy a Fixer-Upper? There are lots of questions you need to ask yourself before you venture into fixing up a Portland home. Have you ever done this before? Do you have a reserve of cash or financing in place? Have licensed and bonded contractors to help you? These are but a few.
These are some of the most important questions to ask when you're about to #buy a #house. Great tips!
http://fal.cn/Bqvo Let's take a step back from decorating and thrift stores for a second....and let's talk HOME BUYING. The reason I'm bringing this up is for 2 reasons. First, I got into a conversation with a friend who's about to start the arduous process of HOUSE HUNTING. I started spewing off bits of advice to her, based on my own experience in buying this house. And then I realized, "HEY! Other people should know this, too!" Thus, this blog post :) The second ...
Economic update for the week ending June 18, 2015
Stocks have good week with Nasdaq breaking into all time highs- Stocks soared after the Federal Reserve announced that they were not going to raise their benchmark rate this session. They further states that even though we were nearing "full employment" there were some signs of slowing in the economy, and that the economy is growing modestly. If the last sentence makes no sense, welcome to FedSpeak! More failed talks to extend Greece's debt crises. Greece on the verge of bankruptcy and leaving the Euro. Friday the European Central Bank provided emergency funding to cover a run on Greek Banks. This weighed on stocks. The Dow Jones Industrial Average closed the week at 18,015.95, up from 17,898.84 last week. The Nasdaq closed at 5,117.00, up from 5,051.10 last Friday. The Nasdaq hit highs of 5137 this week, finally surpassing the previous record of 5132 set in 2000 during the .Com bubble. The S&P 500 closed at 2,109.99, up slightly from 2,094.11 last Friday.
Bond yields drop following Fed announcement - After weeks of rising rates it was nice to see a second week of rates settling. While they are still about 1/4% higher than 6 weeks ago they are about 1/4% lower than the highs for the year set just a couple weeks ago. The 10 year U.S. Treasury Bond closed the week at a 2.26% yield, down from 2.39% last week. The 30 year U.S. Treasury Bond closed Friday yielding 3.05%, down from 3.10% last Friday.
Mortgage Rates slightly lower than last week– The 30 year fixed rate ended the week around 4.125% for loans up to $417,000, around 4.325% for loans between $417,000 and $625,500, and 4.375% for loans over over $625,500. The 15 year fixed rate loans are about 3.25% for loans up to $417,000, around 3.375% for loans between $417,000 and $625,500, and around 3.50% for loans over $625,500. The 5 Year-ARM rates are around 3.10% 1 Year-ARM mortgages are around 2.60%.
Resale home sale pace continues to exceed last year - The California Association of Realtors reported that statewide home sales of existing single-family homes totaled 423,360 in May on a seasonally adjusted annualized rate. That was down 1.1% from April, but up 8.9% from May 2014. It was the second straight month that statewide sales were above the 400,000 annualized mark. Last year we saw sales below the 400,000 sales mark, which was about 14% below the rate of an average year since 1988. This year we are still below average sales rates, but much closer than last year. Low inventory is one factor that is keeping sales numbers down. CAR reported that there is just a 3.5 month supply of homes on the market. A 6 to 7 month supply is a normal market.
Home prices continue to rise - The California Association of Realtors reported that the median price paid for a resale home in California increased 0.8% from April and 4.4% from May 2014. While price gains are moderating from double digit gains seen in 2012, 2013, and the beginning of 2014, they are still increasing. CAR also released more local statics. Los Angeles County had prices up 1.3% from April and 5.1% from last May. Ventura County had prices up 3.7% from April and 8.2% from last May. Orange County had prices up 1.8% from April and just 2.8% from last May.
"Looking for the right #house? First, find the right #Realtor!"
Here's some benefits to finding a realtor to help you.
http://fal.cn/Bt3T This Cape Cod with full-front dormer has three bedrooms and one bath, a three-season porch with vaulted ceilings, formal dining room, updated eat-in kitchen, fenced rear yard and partially finished basement. The North Plainfield home was built in 1951...
Things are certainly looking up!
"Thanks to increased purchase #mortgage demand and loosening #credit standards, mortgage lenders are optimistic about the near-term #housing #market, according to Fannie Mae’s second-quarter 2015 Mortgage Lender Sentiment Survey."
http://fal.cn/BuD7 Thanks to increased purchase mortgage demand and loosening credit standards, mortgage lenders are optimistic about the near-term housing market, according to Fannie Mae’s second-quarter 2015 Mortgage Lender Sentiment Survey.
Check out this article for some BIG changes that have happened in with U.S. real estate over the last decade!
http://fal.cn/BQC3 There is a notable difference in seller psychology today compared with a decade ago, and not all of it is financial in nature.
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Help find loan solutions for residential, multi-family development, and commercial properties. Access to multiple funding sources.
A mortgage veteran with over 15 years of experience, Larisa Lutes has the know-how and expertise to get the job done, smoothly and efficiently.
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DIVORCIOS DESDE $100 CIUDADANIA APOSTILLAS TPS TRADUCCIONES Y RESIDENCIA A BAJO COSTO
Integrity, Efficiency, Innovation, Outstanding Customer Service, Cost-effective Financial Options and Building Clients for Life
REAL ESTATE SERVICES
Nationwide Mortgage Licensing System & Registry (NMLS) #258476 - California Bureau of Real Estate. CalBRE ID# 01215974
Scott Griffin Financial specializes in high-end residential mortgages, offering loans in California.
Trained Bloomberg Auditor/Examiner. We produce Mortgage Audits, Wrongful Foreclosure Complaints, Loan Modification Appeals. *Broken Chain of Title (*ask). I file complaints against the banks and servicers for mortgage violations!
No annoying tax professional lingo. Just straight, authoritative and friendly expert advice.