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Denise Gentile REALTOR® (DRE License Number 01392403)
Coldwell Banker Residential Brokerage
23823 Clinton Keith Rd. #102
Wildomar,  CA  92595
951.751.1311
951.304.2900 
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Demystifying the 'Obamacare' real estate tax
Q: When does the tax for "Obamacare" when selling a house go into effect? How will it be calculated?
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Are we in a housing bubble? Not even close, Trulia says
Though recent leaps in home prices may stoke fears of another bubble, the housing market is definitely not in one, listing site Trulia said in introducing “Trulia’s Bubble Watch.” Bubble Watch assesses the market’s susceptibility to bubble conditions by comparing today’s home prices with historical prices, incomes and rents. “Incomes determine how much people can pay for housing, and price increases aren’t sustainable if they push prices too high relative to incomes,” Trulia chief economist Jed Kolko wrote in a blog post. “Rents reflect how much people value housing even if they won’t benefit from price appreciation (as renters don’t, but owners do); the price-to-rent ratio is like the price-earnings (P/E) ratio for stocks.”
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Ellie Mae: Mortgage credit continues to ease
Whether lenders are actually relaxing standards remains subject to debate
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Protect yourself against loan lock scams
A price quote means nothing until it is properly locked with the lender. A rate lock, as it is commonly called, is the lender's commitment that it will make the specified loan at the specified price within a specified future period.
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What Buyers Want
Buying a new home is an exciting endeavor. Most buyers think about the house as a whole when they start looking, but it turns out that particular home features exert a big influence on the final decision.
The NATIONAL ASSOCIATION OF REALTORS® 2013 Profile of Buyers’ Home Feature Preferences examined which features buyers prefer when purchasing a new home and includes preferences for different age groups and areas of the country.
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Should I Refinance?

Estimate Payments
Fixed or Adjustable?
Should I Make Extra Payments?
Will I Qualify?
How Much Can I Afford?
Denise Gentile
REALTOR®
Coldwell Banker Residential Brokerage
23823 Clinton Keith Rd. #102
Wildomar,  CA  92595
951.751.1311
951.304.2900 
Contact Me
Visit My Web Site
Equal Housing Opportunity   
  
Fire Safety Tips for Your Home
Summer’s coming and, in many parts of the country, summer means fire season. Fire can hit anywhere--not just in isolated wilderness communities. With the right combination of hot dry weather, wind, flammable brush and an ignition source, any house is potentially in danger. ...more
 
Improve your chances in multiple-offer situations
Some buyers in hot markets with a low inventory of homes for sale are losing out over and over in multiple-offer competitions. You can improve your chances of having an offer accepted by clearing up any issues that might cause a seller to look askance at your offer when compared to one from another buyer. ...more
 
Fannie Mae sees housing upturn as “intact”
Despite some bumps in the road, the housing upturn is "intact" and rising home prices are expected to boost household net worth and offset fiscal tightening, according to a monthly economic outlook released by economists at Fannie Mae. ...more
 
Top 10 Projects for New Homeowners
You’ve found the home of your dreams, or you’ve at least come pretty close. There’s not quite enough space in the garage, the paint colors are outdated and there’s a spot in the kitchen where the floor squeaks. ...more
 
Subprime lending, 2013 edition
Think subprime mortgages have gone away? Think again, we have one lurking within FHA, with features that are eerily similar to those of the private market that went into hyper-drive in the 2000s, and collapsed in 2007. ...more
 
Numbers Game: The Upper Hand in Bargaining for a Bargain
A seat at the negotiating table can be an intimidating part of real estate transactions, and while your REALTOR® is an important partner and trusted advisor in this process, insights from a new study might serve as valuable food for thought when it comes to obtaining the best possible outcome. It turns out that precision can make all the difference when forming a first offer, according to professors Daniel Ames and Malia Mason. ...more
 
Nearly half of all US homeowners with a mortgage still ‘underwater’ in Q1
Despite rising home prices early in the year, a significant portion of U.S. homeowners with a mortgage — about 44 percent — sti ...more
 
Marketing lingo to avoid when selling your home
Q: What are some words to avoid using when selling a home? ...more
 
Investing in curb appeal pays off
It might seem counterintuitive to invest money in a home you're selling. Wouldn't it be better to save that money for improvements on your next home? ...more
 
Despite slight monthly decline, existing-home sales up 10.3% from a year ag
Existing-home sales slipped 0.6 percent from February to March as a lack of home inventory continued to constrain purchases, the NATIONAL ASSOCIATION OF REALTORS® (NAR) reported. At a seasonally adjusted annual rate of 4.92 million, existing-home sales were still 10.3 percent higher than a year earlier, NAR said. ...more
 
Avoid overcharges when refinancing
The process of deciding whether to refinance a mortgage in order to lower costs involves four steps: • Step one: Select the preferred type of new mortgage. • Step two: Find the best available price on that mortgage. • Step three: Determine whether the cost of the new mortgage will be lower than the cost of retaining the current mortgage. • Step four: Find a way to prevent being overcharged after committing to the transaction. ...more
 
 
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