Great News for Buyers!

Great news!!!  For home buyers!

 Contact Bill Yarnall at 727-209-7994.  Or check out my website at http://wyarnall.kwrealty.com/

Fed leaves rates alone: No change on bond buying

The Federal Reserve says it expects to continue its $85-billion-a-month bond purchase program for the foreseeable future, delaying at least to September hard decisions on when to start tapering its stimulus efforts.

This means the uncertainty – at least until September - is over……good news for buyers….but be warned there should be urgency to get buyers financed now – if they wait until the Fall to buy a home they will for run the risk of much higher rates…..

Now may be the time to buy.  Do not hesitate to contact me and see how I can help you find the home of your dreams.  

From contract to close I am here for you!  

"There is no I in Real Estate only YOU!"

Homes available in Treasure Island

Looking for your home in paradise?  Here are just a few of the properties that are for sell in Treasure Island.  Want more information on listings that are available?  Call Bill Yarnall Realty at 727-209-7994, or check out my website http://wyarnall.kwrealty.com/.

What a great place to call home.  Sunny, warm, and beautiful.  This slice of paradise could easily be yours.  With a whole team behind me to help find you the home of your dreams, you can not go wrong.  Contact me today and lets put you into your dream home right away.  From contract to close I will be with you every step of the way.  

"There is no I in Real Estate only YOU!"

Listing your home in Isla Del Sol

Thinking of putting your home on the market?  You should probably talk to me first call Bill Yarnall Realty at 727-209-7994 or check out my website http://wyarnall.kwrealty.com/.  Check to see what your home is worth below.





No time like the present to put your home on the Market here in Pinellas County.  Questions or concerns I am here for you from contract to close with all your Real Estate needs.  In today's market we are looking for homes to sell to the buyers that are out there.  If you are even thinking about entertaining the thought of selling your home now may be the time to take action.  Call me today!

Royal Palm Villages Town home 3bed 3bath with bonus room Gulfport, FL.

For more information on this home or homes like this call Bill Yarnall at 727-209-7994 or check out my website at http://wyarnall.kwrealty.com/.  This beautiful Town home is just waiting for you.

1610 Royal Palms Dr S #B Gulfport Fl.   3/3 plus bonus room.

This Gated Town Home has wonderful views of the Golf Course and the ponds.

Very secluded and away from the traffic.

Backs up to the Pasadena

Yacht and Country Club Hole #4

Beautiful Well Maintained Gated Town Home.

*New Roof *New Water Heater *New Refrigerator

3bedroom/3 Bathroom Plus Bonus Room.

Wood Floors. Granite Counter Tops

2 Car Garage. Community Pool

Living Sq Ft 2167

Contact Bill Yarnall for more information:

Keller Williams Realty Sun Coast
St. Pete Beach
263 Corey Avenue
St. Pete Beach, FL 33706, US
Cell: (859) 200-7449
Office: (727) 367-3756
Fax: (727) 367-6170
Website: http://wyarnall.kwrealty.com
Facebook: https://www.facebook.com/BillYarnallRealty
Twitter: @StPete_Homes

"There is no I in Real Estate only YOU!"

This week's Interest Rates Pinellas Co/St. Pete Beach!

For more information on today's interest rates call Bill Yarnall 727-209-7994 or check out my website at http://wyarnall.kwrealty.com/.  

Last week was pretty quiet as far as things go in the mortgage industry but with Mortgage Backed Securities (MBS) losing -49 basis points from the previous Friday’s close the two week Bond rally came to an end and mortgage rates moved slightly higher.

This small increase could have been much worse as we saw better than expected results from Durable Goods and Consumer Sentiment reports. One reason the rate increase wasn’t so bad is because of a report in the Wall Street Journal. They stated that the FED would continue to keep their interest rates low for quite some time and this had a calming effect on the market – but – the Fed Fund rates do not have an impact on your mortgage rates. Eventually they will have to start pulling back on Bond purchases which is what really drives the interest you pay.

BOTTOM LINE:

 

Expect much more volatility this week. There is a lot of economic data due to be released which will have a very strong effect on the MBS Market.

 

You must be prepared and let your buyers know this week could be a real roller coaster. The trend has been for interest rates to go up. Now would be a good time to talk to your mortgage professional (that would be me) about locking in on a rate and not potentially risking a hefty hike.

 

Meantime….back down on the Farm - there was some really great news in the Real Estate industry with Pending Home Sales climbing from this time last year by 10.9% (according to NAR). The market had expected a drop due to increased mortgage rates over the last term but the demand was greater than consumer fears and the housing market was able to absorb those increases. Based on the YTD activity and stable contract signings expected for the balance of the year existing home sales are projected to rise by more than 8% through the course of 2013. With inventory shortages continuing NAR is projecting median prices to rise by nearly 11% this year. 

Prepared by:

Craig Inglis

Loan Officer

VanDyk Mortgage

Thinking about Listing your home in Vina Del Mar!

Get more money for your listing.  Call Bill Yarnall at 727-209-7994, or check out my website at http://wyarnall.kwrealty.com/ for more information.

Trying to get the most out of your home then I am the Realtor for you.  From contract to close I will be with you every step of the way.  Now is the time to sell and I can help.

"There is no I in Real Estate only YOU!"

Fell Free to contact me with any questions or concerns you may have about listing your home.

Bill Yarnall
Real Estate Expert 

Keller Williams Realty Sun Coast

St. Pete Beach
263 Corey Avenue
St. Pete Beach, FL 33706, US
Cell: (859) 200-7449
Office: (727) 367-3756
Fax: (727) 367-6170
Website: http://wyarnall.kwrealty.com
Facebook: https://www.facebook.com/BillYarnallRealty
Twitter: @StPete_Homes

Condo looking over Paradise!

Can you see yourself "living the dream" in a condo like this?  Call Bill Yarnall at 727-209-7994 or check out my website http://wyarnall.kwrealty.com  for more information.

 - $299500 Beautiful Condo 2bd/2ba. Casa Del Mar (St. Petersburg)

For a complete list of condos for sale in Isla Del Sol please email me at byarnall590@yahoo.com.  Looking for the condo of your dreams I am Realtor for you!

"There is no I in Real Estate only YOU!"



VIEW:VIEW: VIEW: The views from this unit are spectacular!!!! A full view of Baca Ciega Bay over looking the Don C Sar and on to the Gulf of Mexico. This unique 2/2 11th floor unit features an updated kitchen with breakfast bar, granite counter tops, newer appliances. There all tile floors in the living area, the windows and sliding doors have been replaced and there are hurricane shutters throughout. The master bath has been redone as have the walk-in closets. .The A/C has been upgraded and has special filters included. This is truly an outstanding property and many hours of tranquility can be spent on the waterfront balcony. The furnishings are negotiable.

Keller Williams Realty Sun Coast
St. Pete Beach
263 Corey Avenue 
St. Pete Beach, FL 33706, US
Office: (727) 367-3756
Fax: (727) 367-6170
Website: http://wyarnall.kwrealty.com
Facebook: https://www.facebook.com/BillYarnallRealty
Twitter: @StPete_Homes

Listing courtesy of Anettee Lawler Keller Williams Realty SunCoast

Your Pass-A-Grille's Home Value!

Wondering what your Pass-A-Grille's home is worth?  Now is the time to sell!  Do not hesitate to contact Bill Yarnall at 727-209-7994 or check my website at http://wyarnall.kwrealty.com/.

We have entered a Seller's market and now is the time to sell.  You want to know what your home is worth?  Thinking about selling your home?  Talk to me and I can help you.
 727-209-7994 or check my website at http://wyarnall.kwrealty.com/.

"There is no I in Real Estate only YOU!"

From contract to close I will be there for you and all your needs.

Homes for sale in Pass-A-Grille, Florida

Looking to buy in Pass-A-Grille...
For more information on these homes in Pass-A-Grille and more homes like this contact Bill Yarnall at 727-209-7994 or check out my website http://wyarnall.kwrealty.com

Pass-A-Grille

This Beautiful beach community is waiting for you.  Interested in purchasing a home in Pass-A-Grille?  Then contact me and let me help you find the home of your dreams.


 Bill Yarnall at 727-209-7994 or check out my website http://wyarnall.kwrealty.com

"There is no I in Real Estate only YOU!"

Get your St. Petersburg Home Value Now!

For information on listing your home contact Bill Yarnall 727-209-7994 or check out my website at http://wyarnall.kwrealty.com/

The market has shiffted and we are now in what we refer to as a Seller's Market!

What does that mean for you?  For those of you that have been waiting for the price of your house to rise so you can sell for whatever reason, now may be that time.

If you are in a situation where you feel as if your mortgage is to much, and you are having trouble making payments please do not hesitate to call.  There are options out there that homeowners do not know or understand please do not wait until it is to late.  Get your home on the market today or even if you do not want to list your home there are refinacing options avialable to you!

Please fell free to call or email me any questions you may have about today's Real Estate Market!

Bill Yarnall Realtor.

"There is no I in Real Estate only YOU!"

727-209-7994 

http://wyarnall.kwrealty.com/

This Week In Intrest Rates!

What happened last week?

Mortgage backed securities (MBS) improved from last Friday's close which caused 30 year fixed rates to move lower. This marks the second straight week of over +100 BPS gains in the benchmark mortgage backed security and therefor, lower mortgage rates.

We focused on Fed Chairman Ben Bernanke who testified before the House and Senate last week as part of his semi-annual monetary policy report. Traders are watching for signs of when the Federal Reserve will begin to reduce the amount of monthly Treasury and MBS bond purchases. Indeed the MBS rallied as traders speculated that Bernanke's most recent comments pointed to the Fed was going to be waiting longer to "taper" their monthly purchases. The prior speculation was that this tapering would begin in September and as a result had sent interest rates soaring on what was just a rumor.

Bernanke's commented that tapering will occur once the economic data (with particular focus on the labor market) shows enough of an improvement. Traders do not perceive that there is enough economic improvement yet for this to happen and so, project the timing of the “tapering” is shifting later on down the road. Of course, this sentiment could change next week.

MBS also received renewed interest from foreign investors as concerns mounted about Italy and Greece being able to meet their latest round of bailout requirements.

 

Sooooo what is on the agenda for this week?

 

The bond market will get a breather from Bernanke this week as he is not appearing in public.

The biggest reports of the week will be Initial Jobless Claims and Durable Goods Orders.

Last month, MBS sold off sharply (worse rates for you) in direct reaction to a very strong reading in Durable Goods.

So, a variance from market expectations can really move your pricing.

We do have three U.S. Treasury auctions this week:
07/23 - 2 year note
07/24 - 5 year note
07/25 - 7 year note - most important of the three

ate	Time (ET)	Economic Release	Actual	Market Expects	Prior
22-Jul	10:00 AM	Existing Home Sales	-	5.28M	5.18
23-Jul	9:00 AM	FHFA Housing Price Index	-	NA	0.70%
24-Jul	7:00 AM	MBA Mortgage Index	-	NA	NA
24-Jul	10:00 AM	New Home Sales	-	481K	476K
24-Jul	10:30 AM	Crude Inventories	-	NA	-6.902M
25-Jul	8:30 AM	Initial Claims	-	328K	334K
25-Jul	8:30 AM	Continuing Claims	-	2990K	3114K
25-Jul	8:30 AM	Durable Orders	-	1.50%	3.70%
25-Jul	8:30 AM	Durable Goods -ex transportation	-	0.40%	0.50%
25-Jul	10:30 AM	Natural Gas Inventories	-	NA	58 bcf
26-Jul	9:55 AM	Michigan Sentiment - Final	-	84.2	83.9

Information Provided by Craig Inglis with Vandyke Mortgage
http://wyarnall.kwrealty.com

Historic Intrest Rates!

Check out these RATES! 

 

 

Let me know if you would like to get more information on properties in your area.   

 

 

 

 

This week's MORTGAGE Rates Forecast

Mortgage Rates Currently Trending: NEUTRAL

This week there are a number of key economic releases but the major focus this week is Bernanke testifying in the House and Senate on the economy, employment and inflation.

Likely he will field a lot of questions from politicians about what the Fed intends to do with its QEs and more grilling on the state of the economy and unemployment that refuses to subside.

He goes before the House Financial Services Committee on Wednesday and then to the Senate’s Banking Committee on Thursday.  

 

At this moment markets continue to lean towards the Fed beginning to taper as soon as September but Bernanke is keeping markets on edge by changing his tune from one speech to another.

 

 

 

 

 

 

BOTTOM LINE: 

 

Right now mortgage rates are taking a breath, but don't be lulled to sleep.  Be sure to watch the live MBS (Mortgage Backed Securities) market with your Mortgage Loan

Originator to stay a step ahead of lender re-pricings and to cash in on market gains that help mortgage rates. 

 

Be prepared for movement at a moment's notice, and beware the volatility that is still rampant.

 

In plain English, this means 30 year Fixed Rate Mortgages are varying between 4.75 – 5.375% depending on loan type (conventional, FHA, VA, etc.), LTV, FICO & about 50 other things lenders won’t tell you about!

It also means that rates are more than likely going to be changing again soon if Bernanke tells the Senate that the Fed intends to lower their QE purchasing (or not)….right now rates have shot up on a rumor they might be easing up...I guess we will all know on Thursday

 

Special thank you to:

Craig Inglis

Loan Officer

VanDyk Mortgage

"There is no I in Real Estate only YOU!"
Bill Yarnall
Real Estate Expert

Keller Williams Realty Sun Coast
St. Pete Beach
263 Corey Avenue
St. Pete Beach, FL 33706, US
Cell: (859) 200-7449
Office: (727) 367-3756
Fax: (727) 367-6170
Website: http://wyarnall.kwrealty.com
Facebook: https://www.facebook.com/BillYarnallRealty
Twitter: @StPete_Homes

 

 

 

This Month In Real Estate Newsletter!

Extra Extra Read all about it!

 

 

 

Connect with me on:

Keller Williams | 263 Corey Avenue | St Pete Beach | FL | 33706-4360

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Rates Soar after Holiday Weekend!

There is nothing worse than coming into the office on Monday morning after a Holiday weekend, and talking to our in house mortgage broker about the rise in interest rates.  One of the largest jumps he has seen in years and now rates are higher than they have been in a long time.  That does not mean that now is not the time to buy.  There are so many options out there and with my help we can decide the best way to go about financing the home of your dreams. 

If you are interested in buying or selling your home the time is now!  So do not hesitate to contact me with any questions you have about the market. 

"There is no I in Real Estate only YOU!"
Bill Yarnall
Real Estate Expert

Keller Williams Realty Sun Coast
St. Pete Beach
263 Corey Avenue
St. Pete Beach, FL 33706, US
Cell: (859) 200-7449
Office: (727) 367-3756
Fax: (727) 367-6170
Website: http://wyarnall.kwrealty.com
Facebook: https://www.facebook.com/BillYarnallRealty
Twitter: @StPete_Homes

Happy 4th of July!!!

Foreclosure Vs. Short Sale

With a team of professionals behind me, we can help list your home and get you back on track. 
Please fell free to contact me and see what I can do for you, in your time of need. 
Below you find some very useful information that can help you see why it is better to Short Sale your home instead of going into Foreclosure.

I understand that a lot of people do not want to talk about how or why they are having to short sale their home.  I also understand that some people want to be discrete about their home going on the market.  Let me help you!  There does not have to be a sign in your yard telling everyone in the neighborhood that you are selling your house.

Click on the print outs below for more information: