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Arnie Levine Broker for County Properties

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Here is the link for your show that is set to air on Sunday 06/14/2015 6-7pm pst.
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1.       Intro: Cancer answer show is about cancer related topics on how to survive and on how your family will survive.
How to get answers and a discussion on how to deal with treatments side effects.

2.       my personal biography as a cancer survivor 3 times first being staged four

3.       *Topics, with Nutrition vs conventional chemo treatments,

4.       my experiment:  To find out if the high alkaline diet n raw diet known as the Gershon diet Therapy For Cancer diet. Vs chemo.

5.       To discuss if I relapse from my cancer non-Hodgkin’s lymphoma and to experiment on my personal treatment testing the Gershon diet if it works by monitoring via blood tests and CAT scan test.

6.       Medical marijuana and chemotherapy.

7.       To advise as if there is no tomorrow and how to live as there is many tomorrows. To discussing the fear on what you don’t know may happen next.

8.       How I’m being on spiritual path effects myself and why I’m still here alive as a survivor.

9.       Kabbalah, Judaism and Christianity.


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Join cancer survivor and host Arnie Levine for a show of inspiration and encouragement about cancer related topics that can give guidance on how one and their family can be a survivor!

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Urban Institute: Rental surge to drop homeownership rate to 61.3% by 2030

The Urban Institute’s Housing Finance Policy Center just released a major new longitudinal study of expected household formation and homeownership rates from 2010 to 2030.

The paper predicts that the homeownership rate will continue to decline through 2030 and that a major rental surge is upon us, a surge the United States is not truly prepared to meet.

Most concerning, they forecast the homeownership rate to drop to 61.3% by 2030.

For context, the homeownership rate in the first quarter of this year fell to 63.7%, the lowest since 1990, according to the U.S. Census.

The homeownership rate is the ratio of households that own to overall households — the remaining being rental households.

A blog written by the study authors highlights five key take-aways:

  1. A rental surge is coming. 13 million of the 22 million new households that will form between 2010 and 2030 will seek to rent, rather than buy, their homes.
  2. Most of the new households that will form between 2010 and 2030 will be non-white.
  3. The homeownership rate will decrease for all age groups, except those over 75. The authors predict that the overall homeownership rate will be 61.3% by 2030: 70% for whites, 40% for African Americans, and 48% for Hispanics.
  4. African Americans will fall further behind all racial groups in homeownership. By 2030, the homeownership rate for African Americans will be 40%, a large drop from 46% in 2000. The rate for Hispanics will move in the opposite direction, increasing from 46% in 2000 to 48% in 2030.
  5. The number of senior-headed households will increase dramatically. The number of households over age 65 will increase from 25.8 million in 2010 to 35.4 million in 2020 and to 45.7 million in 2030.

According to NAR Home prices have climbed in 85% of U.S. metropolitan home markets as low mortgage rates and the strongest labor market in almost 7 years spurred demand.

The median price of an existing single-family home rose from a year earlier in 148 of the 174 areas measured, the NAR said in a recent report.

Fifty-one areas had price gains of 10% or more; prices declined in 25 areas.

“The housing market is benefiting as employment returns to pre-crisis levels” says a spokeperson at NAR.

Contracts to buy homes rose in March to the highest level for the month since 2005, according to the NAR. (March is the latest statics available).

The unemployment rate was 5.5% in February and March, (a level the Federal Reserve defines as full employment) the rate dropped to 5.4% in April.

Also “boomerang buyers” have become eligible again and studies have shown that once consumers have owned a home (but then forced to rent because of “life circumstances”) purchase home in higher numbers than those who are currently renting.

Related Post: Renter Marketing

Rates are down from 2014.

Lower interest rates are bolstering affordability for buyers.

The avg. rate for a 30-year fixed mortgage was 3.71% this year through April, compared with 4.36% in April 2014.

For 2015, the avg. rates are projected at 3.9%, down from 4.2% last year.
The median price for an existing single-family home in the first 3 months (2015) was $205,200, up 7.4% from the 1ST quarter of 2014.

Prices probably will gain 5.9% in 2015, compared with 5.7% in 2014, the association said in a forecast on its website.

Sales of existing homes this year probably will rise 6.8% to 5.3 million after dropping about 3% in 2014.

That would be the most since 2013, the first year of the housing recovery.

for California’s Keep Your Home California Transition Assistance Program


If your financially distressed California clients can no longer afford their homes and are pursuing a short sale or a deed in lieu of foreclosure, they may be eligible for financial help with their relocation to alternative housing.  


The funds come from the Transition Assistance Program (TAP), part of the Keep Your Home California Program.  


The state of California is providing up to $5,000 in transition assistance to qualified homeowners who can no longer afford to stay in their homes.  You can help by advising your distressed clients that they must:

  • Apply for the funds through their state’s website or by calling 1.888.954.5337.
  • Maintain their property until their house is sold or returned to the lender via a negotiated deed in lieu of foreclosure.

For qualified homeowners, these state funds may be used in addition to any other transition assistance that the homeowner may receive by participating in the Federal Home Affordable Foreclosure Alternatives (HAFA) program or in any other pre-offer short sale program.    


To learn more about the Transition Assistance Program’s guidelines,  please fill out

this form.

Stop Foreclosure Now

Things to do in San Diego in June 2015

by Arnie Levine on June 12, 2015

in Latest News

June 5 – July 5, 2015
Del Mar Fairgrounds 22nd DAA

Jun 5 – Jul 5, 2015
Price: Adult: $15* Seniors age 62+: $8 Children age 6-12: $8 Children age 5 and under: Free *Discount admission available at Albertson’s

San Diego’s annual county fair is the largest fair in California, offering a variety of food, entertainment, exhibits, rides & games throughout the beautiful and historical Del Mar Fairgrounds in the oceanfront village of Del Mar.

After plunging in June, housing starts and housing permits recovered in July, printing at 1,093,000 and 1,052,000, respectively.

This represents a 15.7% gain in starts and permits, which is the good news that will make headlines, according to the U.S. Census Bureau and the Department of Housing and Urban Development.

The bad news is that almost all of those gains from June to July in starts and permits are in multifamily rental housing.

In permits, almost all of the increase was due to multi-family unit construction, which soared by 73,000 to 382,000, a 24% increase, while single-family residential permits were up by just 6,000, or less than 1%.

Click the graph to enlarge.

Housing starts in July likewise gained mostly on multifamily strength. Single-family units rose to 656,000, while multifamily unit starts soared by 33% in one month, from 318,000 to 423,000.

Click the graph to enlarge.

Notably, this has multifamily starts coming in at its highest level since January 2006.

“There were 585,000 total housing starts during the first seven months of 2014 (not seasonally adjusted, NSA), up 9.1% from the 563 thousand during the same period of 2013,” notes Bill McBride at Calculated Risk. “Single family starts are up 3%, and multi-family starts up 24%.  The key weakness has been in single family starts.”

Housing is improving but it is becoming apparent that the market has changed. Single-family housing is not as attractive financially as in the past and multifamily housing is the current trend. But at least it is on an uptrend.

Nevertheless, homebuilder stocks were up on the news Tuesday.

New Pro-Property Search. We will setup a customized search for you by our professional REALTOR® Team. Sit back relax and shop at home! We will make changes to your Pro-Property Search any time you like, just let us know. Have fun!

By the way…if you know of someone who would appreciate the level of service in real estate we provide, please call me or have them go to and I’ll be happy to follow up and take great care of them.


We would love to hear from you! Please fill out this form and we will get in touch with you shortly.


In a real estate transaction, there are usually expenses and payments that must be “prorated” (or properly distributed or divided proportionately) so that the parties are equitably responsible for amounts owed during their respective ownership of the property.

For example, the seller is the beneficial owner of the property until the close of escrow, when ownership and possession is delivered to the buyer. Naturally, there are some items or expenses that have been prepaid by the seller. In order to equitably reconcile these prepaid items or recurring costs in connection with the property, the escrow holder may be instructed by the parties to prorate those expenses.

Examples of these items/expenses include:

  • property taxes
  • rental income
  • security deposits
  • property insurance
  • interest
  • homeowner association dues

The items are usually prorated using the date of the close of escrow and some other “paid to” date. For example, if a seller paid $300 in homeowner association dues for the month of May and escrow were scheduled to close on May 15th, the escrow officer, if instructed, would likely prorate said dues from the close of escrow to June 1st. This proration would result in a credit (reimbursement) to the seller for the period of time he or she is no longer the owner of the property, and a debit to the buyer for the period of time that he or she has been the owner of the property and responsible for the dues.

If you are a buyer or borrower and obtaining a loan, you will most likely pay a proration of mortgage interest in connection with, and as a requirement of, your new loan. If you have questions regarding the prorations of items on your estimated or final closing statement, we will be able to help you.


Home's value request form.

Jumbo, interest-only mortgage borrowers are in for monthly sticker shock when their principle comes due.

During the peak of the housing boom, from 2004-07, interest-only mortgages gave some buyers access to bigger or better homes than they likely could have afforded with a traditional principal-and-interest monthly payment.

The interest-only mortgage was meant for borrowers who had variable cash flow, such as independent contractors or salespeople who got large year-end bonuses. The loans attracted people who expected their income to rise over time, allowing them to handle principal payments later.

But a product meant for a select few was oversold, says Mark Livingstone, president of Cornerstone First Financial, a mortgage broker in Washington, D.C. Borrowers in high-price markets who had steady incomes and could afford a principal-and-interest payment instead opted for interest-only loans. Many borrowers who put down less than 20% with these loans were told that the rising real-estate prices would cover their lack of equity.

An estimated $934 billion in jumbo interest-only mortgages of all types were sold during the peak years of the housing boom, averaging about $234 billion a year, according to Inside Mortgage Finance, a research group that publishes data on the mortgage industry. By comparison, just $55 billion in jumbo interest-only products were originated in 2002, and $140 billion in 2003, Inside Mortgage Finance says. (Jumbo loans exceed $417,000 in most markets, and $625,500 in high-price markets such as San Francisco and New York.)

Interest-only mortgages come in various forms, including five-year and seven-year initial periods, but the 10-year type, followed by a reset, was popular when the housing market was hot. Now with those loans starting to enter the principal-payment period, borrowers face a dilemma: They can refinance or take their chances on a new, possibly higher, payment. When the payment resets, the principal typically must be paid back over the remaining 20-year life of the loan, instead of over 30 years, says Mr. Livingstone.

County Properties, 26 years of brokerage experience, trust.

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We offer free counseling in real estate regarding; home values and information on options of selling vs. Foreclosure.

To get started on viewing homes, condos, investment properties, pre-foreclosures, bank owned foreclosures (REO’s) or thinking of selling your property, please contact me today for free counseling at (619) 540-5811.

New Pro-Property Search. We will setup a customized search for you by our professional REALTOR® Team. Sit back relax and shop at home! We will make changes to your Pro-Property Search any time you like, just let us know. Have fun!

By the way…if you know of someone who would appreciate the level of service in real estate we provide, please call me or have them go to and I’ll be happy to follow up and take great care of them.

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