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Phil & Gayle Valenti

Agent Member Since December `04

Agent Statistics

Avg Photos per Listing: 10

Carlsbad, CA  
United States

Phone: 949-887-3886
Cell: 760-429-5600

5/22/2012 9:46:00 PM

The Closing Process

Closing consists of all the necessary final steps involved in sealing the deal on a home purchase. It includes: The offer to purchase There's no foolproof way to make an offer that's guaranteed to be accepted by the seller. But once you find your perfect ...

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5/19/2012 9:03:00 PM

FHA May Ease Rules For Mortgages On Condos

Thousands of condo unit owners and buyers around the country could soon be in line for some welcome news on mortgage financing: Though officials are mum on specifics, the Federal Housing Administration is readying changes to its controversial condominium rules ...

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2/28/2012 2:51:00 PM

California home prices down due to distressed properties!

California home prices decreased in January as sales shifted toward “distressed” property and brought the average lower, the California Association of Realtors California Association of Realtors Latest from The Business Journals California home ...

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2/17/2012 1:32:00 PM

The February 2012 HomeDex™ Report provides January 2012 housing statistics.

Inside this month's report: The median price for all North County home sales - attached and detached - decreased to $344,500 in January 2012 compared to $357,250 in December 2011. Detached homes in North County decreased 3.37 percent to $400,000 in January ...

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2/16/2012 9:11:00 PM

Home buying: Most affordable in decades!

NEW YORK (CNNMoney) -- Buying a home is now more affordable than it has been in the last twenty years. Thanks to continued declines in home prices and rock -bottom mortgage rates , the National Association of Home Builders/Wells Fargo Housing Opportunity Index ...

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2/15/2012 9:03:00 PM

Home value index declines in fourth quarter

Some of Nation's Hardest-Hit Markets Likely to Reach Bottom This Year, According to New Q4 2011 Zillow® Home Value Forecast SEATTLE, Feb. 9, 2012 / PRNewswire / -- Home value declines in the United States accelerated in the fourth quarter, with the ...

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2/13/2012 9:48:00 PM

California to Receive $18 Billion in Mortgage Settlement!

On February 9, Attorney General Kamala D. Harris announced that California secured up to $18 billion for its distressed homeowners as part of a $25 billion national multistate settlement with the country's five largest loan servicers. More than $12 billion ...

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1/23/2012 3:03:00 PM

Mortgage lenders, states reach draft settlement over deceptive foreclosure practices

The nation's five largest mortgage lenders have agreed to overhaul their industry after deceptive foreclosure practices drove homeowners out of their homes, government officials said Monday. A draft settlement between the banks and U.S. states has been ...

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1/20/2012 1:05:00 PM

Housing taxed to pay for extension of existing tax, Medicare, and unemployment benefits

NAR recently reported on legislation signed into law by President Obama that taxes housing to pay for the extension of the payroll tax, and maintain Medicare payments and unemployment benefits. Despite NAR's strong opposition to the diversion of housing ...

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1/18/2012 9:06:00 PM

Independent Foreclosure Review process.

The Federal Reserve Board issued enforcement actions against four large mortgage servicers --GMAC Mortgage, HSBC Finance Corporation, SunTrust Mortgage, and EMC Mortgage Corporation--in April 2011. Under those actions, the four servicers were required to retain ...

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