Your Home Loan Gal, Carly Saltzman

My passion is to assist my clients in achieving their mortgage-related goals while empowering them with information so they can be best equipped to make decisions about their home financing needs. Whether you are buying a home or refinancing, getting a mo

NMLS #1361197 My passion is helping my clients achieve mortgage-related goals, while empowering them with information so they can be best equipped to make decisions about their home financing needs. I also work with Real Estate Agents to grow their business by educating them, helping them implement cutting-edge marketing strategies, and brainstorm about how we can best serve our past and future clients.

[03/15/20]   PSA: The Fed Funds rate has just been reduced to ZERO and that is great news for anyone with credit cards, auto loans, HELOCs, other short term debt, etc.

The Fed Funds Rate is NOT directly tied to mortgage rates.

Although the Fed is taking additional measures to stabilize our economy, we are facing unprecedented times, economically and beyond. Rates have seen all time lows and have slightly bounced back but we are still seeing historically low interest rates.

Stay safe/healthy, my friends!

#themoreyouknow #stillagreattimetobuyorrefi

forbes.com

The Most Popular Cities For Millennial Home Buyers

Which city do you think topped the list?

forbes.com Millennials make up a significant share of potential home buyers in certain markets, including Minneapolis; Buffalo, New York; and San Jose, California.

cnbc.com

Mortgage rates fall further, as buyers rush into the first open houses of 2020

“The average rate on the 30-year fixed mortgage fell to the lowest level since October this week, at 3.69%, according to Mortgage News Daily. That has an already competitive housing market heating even more.”

cnbc.com The average rate on the 30-year fixed mortgage fell to the lowest level since October this week, according to Mortgage News Daily.

Happy 2020! 🌟
Tip for the new year:

The real estate market may be a little chilly right now during the holiday season but 2020 looks like it is going to be hot, hot, HOT!

Fresh off the press! Have you been asking about whether we are in a housing bubble or not?

Per economist Steven Thomas: “The bottom line: today’s housing data illustrates a housing market that is on very strong footing. There is no bubble. The inventory is low, buyer demand is not weak, the Expected Market Time is low, and mortgage rates are at historically low levels.”

1860pch.com

1860 Pacific Coast Highway #B

*Open house alert, today from 2-4pm*
This is truly an awesome opportunity to live/invest in Hermosa Beach!
Financing questions? Let me know!

For more property info, contact Richard Warren

1860pch.com Live in the heart of it all! Beautiful turn key townhome in Hermosa Beach, very close to shopping (New Lazy Acres, Rabano, Mama D's) restaurants, great schools, the greenbelt, the Strand and soon to be redeveloped Redondo Beach Waterfront! Just . 9 miles to the Sand and Pier Avenue this home is by f...

So proud to call these people my colleagues and friends! Spent this past weekend masterminding with some of the brightest minds in real estate finance — feeling grateful and excited for Quarter 4, 2020, and beyond! Stay tuned...

Started out the week with a Homelessness Panel event featuring LA City Mayor Eric Garcetti put on by the South Bay Association of REALTORS.

DID YOU KNOW? There are 60,000+ homeless people in Los Angeles county.

Today I learned that Los Angeles County is the third most productive economy per capita in the world behind New York and Tokyo and we are making strides towards eliminating homelessness. Although this is a multi layered issue that will take multiple agencies, lots of dialogues, and A LOT of patience and perseverance to remediate, Los Angeles has already made strides in alleviating homelessness.

QUICK TIP: If you see someone that is homeless that needs some help, complete the form at the following site so an aid worker can go make them a visit: https://www.lahsa.org/portal/apps/la-hop/

Lillian Wang Real Estate

Happy happy Sunday!

#Grateful for today's AWESOME Open House @ this gorgeous $4.28 Isthmus View home in Rancho Palos Verdes. This home was so popular, I JUST finally shut the doors BC it's 6:30pm! Special shoutout to @csaltzy to cohost this with me!
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#OpenHouses #RanchoPalosVerdes #EstatesatTrumpNationalGolfClub #BreathtakingViews #ImmaculateKitchens #InEscrowButStillTakingOffers #SouthBay #SouthBayLove
#PalosVerdes #lillianwangrealestate

property.listreports.com

605 Pruitt Drive, Redondo Beach, CA 90278 - ListReports

Open House today from 1-4pm. Come check it out! This is a GREAT opportunity for a single family home that doesn’t break the bank in the El Nido neighborhood of Redondo Beach!
Financing questions? Let me know!

Listed by Richard Warren

property.listreports.com House photos, info graphics, and listing agent details for 605 Pruitt Drive, Redondo Beach, CA 90278. This home is priced at $850,000, with 3 bed, 1 bath, and 1,200 sqft.

Fresh off the press from the office of LA County Tax Assessor, Jeffrey Prang! Among the greatest single additions to the roll are $1.95 billion for the partially-completed construction of the NFL stadium in Inglewood and $200 million for LAFC's Banc of California stadium in Exposition Park. Other benchmarks set by the 2019 roll include the $620 million in tax savings for seniors, veterans, and charitable organizations.

Want to see more info? Take a look athttps://assessor.lacounty.gov/wp-content/uploads/2019/07/2019-Assessment-Roll-PR-final.pdf

property.listreports.com

3431 Anchovy Avenue, San Pedro, CA 90732 - ListReports

Views, views, views! Come visit Angela Conterno and I anytime from 1-4pm this Saturday and Sunday to check out the views from this JUST listed San Pedro single family home. This place is neat!!!

This ocean view home doesn’t break the bank either! Questions about financing? Look no further, ask away! 😊

property.listreports.com House photos, info graphics, and listing agent details for 3431 Anchovy Avenue, San Pedro, CA 90732. This home is priced at $859000, with 3 bed, 2 bath, and 1,666 sqft.

property.listreports.com

700 Meyer Lane, #13, Redondo Beach, CA 90278 - ListReports

Open house alert! Just listed! Rare detached and freestanding 2200+ square foot 4 bedrooms, 3 baths townhouse with a private patio in Redondo Beach.

I’ll be there from 1-4pm today to answer any financing questions. Come visit Christine Wang and I and check this place out!

property.listreports.com House photos, info graphics, and listing agent details for 700 Meyer Lane, #13, Redondo Beach, CA 90278. This home is priced at $1,070,000, with 4 bed, 2.5 bath, and 2,225 sqft.

property.listreports.com

5525 Laurette Street, Torrance, CA 90503 - ListReports

Come visit me and Sandy Keller this weekend at this newly listed, turnkey West Torrance home!

Financing questions? Let me know!

property.listreports.com House photos, info graphics, and listing agent details for 5525 Laurette Street, Torrance, CA 90503. This home is priced at $1,150,000, with 3 bed, 2 bath, and 1,428 sqft.

property.listreports.com

5767 75th Street, Westchester, CA 90045 - ListReports

Know anyone looking for an amazing home to call their own in Westchester? Just hit the market and first open house is this weekend from 1-4pm - come visit The Paz Team Realty and myself at the Entertainer's Dream House!
Financing questions? Let me know!

property.listreports.com House photos, info graphics, and listing agent details for 5767 75th Street, Westchester, CA 90045. This home is priced at $1,449,000, with 4 bed, 2 bath, and 2,040 sqft.

cnbc.com

10-year Treasury yield drops as low as 1.97%, first time below 2% since November 2016

WOAH! The 10-year Treasury Bond broke beneath 2% for the first time in 2+ years! This is HUGE! The importance of the 10-year Treasury bond yield goes beyond just understanding the return on investment for the security. The 10-year is used as a proxy for many other important financial matters, such as mortgage rates.
So, what does this mean for you and your financing scenario(s)? Give me a shout and let’s talk about it!

cnbc.com The 10-year Treasury yield fell below 2% for the first time since 2016 overnight after the Fed signaled rate cuts may be on the way.

Feelin’ lucky to have the LA Coliseum as my mobile office today! Kudos to the Beverly Hills/Greater Los Angeles Association of Realtors (BHGLAAR) putting on a great event with an informative Real Estate Legal Update for 2019.

searchallproperties.com

OPEN HOUSE - Redondo Beach

Open House Alert from 1-4pm today!
Newly renovated and a nice walk to the beach! :)
Financing questions? Ask away!

searchallproperties.com Get the current price, photos, details and more now!

washingtonpost.com

Mortgage rates extend decline, sinking to 16-month lows

*PSA* If you have even thought about refinancing - to lower your payment, get out of mortgage insurance, take cash out, or just improve your overall rate & terms - now may be an opportune time based on current market activity!

Have questions? Let’s run through the numbers together!

washingtonpost.com The 30-year fixed-rate average fell below 4 percent for the first time since January 2018.

property.listreports.com

22010 Reynolds Drive, Torrance, CA 90503 - ListReports

OPEN HOUSE from 1-4pm today by Teresa Workman Realty and Sold by Sarah Kemp. This 4bed/2bath home hasn’t been on the market in decades!

Have financing questions? Let me know and let’s explore your options!

property.listreports.com House photos, info graphics, and listing agent details for 22010 Reynolds Drive, Torrance, CA 90503. This home is priced at $1072000, with 4 bed, 2 bath, and 1746 sqft.

cnbc.com

Those credit scores you see may not be what lenders use

Questions regarding credit are one of the most common questions I get and sadly, it is apparent that the general public has very little education about how their credit score is derived. I can’t count how many times someone had told me their credit karma score and it come out different when I run credit. Nowadays it is easier for a consumer to look into their credit history but the credit system is a little bit more complex, due to multiple scoring models used for example, than consumers are led to believe — “...the specific algorithms used to arrive at your numbers are different. And both brands have multiple versions — upgraded editions, often — which also contribute to variations in the scores that you see. Even the credit-reporting companies can provide same-named scores that differ from one to the next due to differences in the information reported to them or the timing of it.”

This is why I urge anyone looking to obtain any sort of financing to work with a loan officer early in the process so you can understand your credit situation and optimize for your financial future! #themoreyouknow

cnbc.com Consumers are often surprised to discover that the number they've been monitoring isn't the one that their would-be lender uses as part of its loan decision.

As an affiliate in action and elected Member-at-Large for the South Bay Association of REALTORS, I invite you to join us for our biggest fundraiser of the year - No Tap Bowling Tournament - on May 22. With the funds raised from this event, our group is able to touch a multitude of families in our local community throughout the year. Have fun and make a difference with us!

Click the link to register: https://netforum.avectra.com/eWeb/DynamicPage.aspx?Site=SBAOR&WebCode=EventDetail&evt_key=f44c1344-d9fd-4953-986b-2e689db61d50

DID YOU KNOW?
The amount of individuals turning the median home buying age, which is 34, is increasing significantly over the next several years. That means that there will be a larger amount of individuals coming to market to either purchase or rent a home. Zillow estimates that 3.11 million people are projected to enter the market by 2028, which is an increase of 7.4% from the past 10 years.

property.listreports.com

5206 Calle De Ricardo, Torrance, CA 90505 - ListReports

Another OPEN HOUSE alert for the Riviera from 1-4pm. This home is fabulous with an open floor plan and practical layout. Check it out and let me know if you’d like to explore financing options.

Listed by Teresa Workman Realty & Sarah Kemp

property.listreports.com House photos, info graphics, and listing agent details for 5206 Calle De Ricardo, Torrance, CA 90505. This home is priced at $1499900, with 4 bed, 3 bath, and 2,523 sqft.

property.listreports.com

263 Calle De Madrid, Redondo Beach, CA 90277 - ListReports

Open House today! Check it out - open from 1-4pm. This lovely home is walking distance to the beach from one of the most sought after streets in the Hollywood Riviera! Listing courtesy of Michael Majid Real Estate.

property.listreports.com House photos, info graphics, and listing agent details for 263 Calle De Madrid, Redondo Beach, CA 90277. This home is priced at $1,449,000, with 3 bed, 2 bath, and 1,951 sqft.

Thanks and congrats to my fantastic clients and fellow colleagues on this transaction. Sometimes escrows can have their challenges due to no fault of any party involved, but pushing through with a good attitude really helps!
#whoyouworkwithmatters

Existing Home Sales fell 4.9% in March, which was a little worse than the 3.8% decline expected. The previous month was a very strong reading, so a pullback was expected. Some of the decline was due to bad weather in the Midwest with the polar vortex and flooding, which explains why the Midwest was down the most. Additionally, Existing Home Sales for March likely represents buyers shopping in January. And that was after the big decline in Stock prices in December. Investors looking at their statements in January were likely not psychologically in a position where they wanted to purchase homes.

What a great luncheon yesterday with the Women's Council of Realtors South Bay! Feeling inspired to have had the opportunity to introduce our talented panelists and moderator.

Want your business to be the top-listed Finance Company in Los Angeles?

Click here to claim your Sponsored Listing.

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11777 San Vicente Blvd
Los Angeles, CA
90049
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