Month: November 2016

Is Getting a Home Mortgage Still Too Difficult?

Is Getting a Home Mortgage Still Too Difficult?

There is no doubt that mortgage credit availability is expanding, meaning it is easier to finance a home today than it was last year. However, the mortgage market is still much tighter than it was prior to the housing boom and bust experienced between 2003 – 2006.

毫無疑問,房屋貸款的可得性正在擴大,這意味著現在比去年更容易拿到貸款,然而,房貸市場仍然比2003 – 2006年房市繁榮和蕭條期間更為嚴格。

The Housing Financing Policy Center at the Urban Institute just released data revealing two reasons for the current exceptionally high credit standards:

城市研究所的住屋金融政策中心剛剛發布了最新數據,揭示了目前異常高信用標準的兩個原因: (more…)

[Rowland Heights] Jang Ga Nae 장가네 張家店

Jang Ga Nae

I met with college friends for lunch.
Our friend Linda picked the spot and Jang Ga Nae.
She said she watched a Korean drama “Let’s Eat”,
and the main characters had Gam Ja Tang so she wanted it, too.
Her Korean husband found this restaurant, and it was one of the best Gam Ja Tang she’s had.

這天和大學同學吃午餐,Linda同學選了Jang Ga Nae這家餐廳,
他說有次在看韓劇”一起吃飯吧”,男女主角吃了豬骨湯,所以他看了也好想吃,
Linda的韓國老公就找到這家餐廳,他們吃過以後覺得這家非常好吃。 (more…)

[Artesia] Kariya Shabu Shabu & BBQ 可利亞

Kariya Shabu Shabu & BBQ

When I was kid in Taiwan, my parents used to take us to those shabu and BBQ kind of restaurant.
They all have similar names… Kariya, Coriya, Cariya, Karaya and that sort.

小時候在台灣,記得爸媽會帶我們去吃這種火鍋加烤肉的餐廳,
而且每一家的名字好像都差不多,可利亞,可加利,都是什麼可什麼亞的。 (more…)

Mortgage Interest Rates Just Went Up… Should I Wait to Buy?

Mortgage Interest Rates Just Went Up… Should I Wait to Buy?

Mortgage interest rates, as reported by Freddie Mac, have increased over the last several weeks. Along with Freddie MacFannie Mae, the Mortgage Bankers Association and the National Association of Realtors are all calling for mortgage rates to continue to rise over the next four quarters.

Freddie Mac的報導指出房貸利率在過去幾周持續增漲,Freddie Mac、Fannie Mae、房貸銀行家協會和全國房地產經紀人協會皆呼籲,房貸利率會在未來四個季度繼續上漲。

This has caused some purchasers to lament the fact they may no longer be able to get a rate less than 4%. However, we must realize that current rates are still at historic lows.

使得一些購屋者感到遺憾的是,他們可能不再能夠獲得低於4%的利率,但是我們必須認知到的是,目前的利率仍然處於歷史低點。

Here is a chart showing the average mortgage interest rate over the last several decades.

以下為顯示了過去幾十年的平均利率圖表。 (more…)

[Fullerton] Samgeoli Korean Restaurant 家飯 삼거리집

Samgeoli Korean Restaurant

Samgeoli Korean Restaurant is about 5 minutes drive from our house.
We got take out from them a few times already.
We usually get their beef rib soup and dumpling soup.
Both are hearty Korean soup dishes that tastes like a Korean grandma made it.
Last weekend we dined in at the restaurant for the first time.

Samgeoli這家韓國餐廳離我們家開車只要五分鐘,
之前已經來買過外賣幾次,
通常我們都是點牛骨湯和餃子湯,
這兩道都非常好吃,吃起來像是韓國奶奶煮的那種家裡的味道,
上個週末我們第一次去餐廳內用餐。 (more…)

5 Reasons to Hire a Real Estate Professional When Buying & Selling!

5 Reasons to Hire a Real Estate Professional When Buying & Selling!

Whether you are buying or selling a home, it can be quite an adventurous journey; you need an experienced Real Estate Professional to lead you to your ultimate goal. In this world of instant gratification and internet searches, many sellers think that they can For Sale by Owner or FSBO.

無論您是買屋還是賣屋,都會是個充滿冒險的旅程,您需要一位經驗豐富的房地產專業人員,幫助您達成最終目標。在這個隨時都是即時滿足和網路搜索的世界,許多賣家認為他們可以自己出售房屋。

The 5 Reasons You NEED a Real Estate Professional in your corner haven’t changed, but rather have been strengthened, due to the projections of higher mortgage interest rates & home prices as the market continues to pick up steam. 

為什麼您需要一位房地產專業人員協助您的五個原因沒有改變,隨著利率升高的預測和房價持續增長,而更加需要。

1. What do you do with all this paperwork?
您該如何處理買賣文件?

(more…)

Existing Home Sales Surge Forward Through Fall [INFOGRAPHIC]

Existing Home Sales Surge Forward Through Fall [INFOGRAPHIC]

Some Highlights:
重點整理

  • The National Association of Realtors (NAR) recently released their latest Existing Home Sales Report.
    全國房地產經紀人協會(NAR)最近發布了最新的現有房屋銷售報告。

  • First-time homebuyers made up 33% of all sales in October.
    首次購房者佔10月份銷售額的33%。
  • Homes are selling quickly with 43% of homes on the market for less than a month.
    房屋在市場上快速銷售,43%的房屋在上市不到一個月內成交。
  • A limited supply continues to drive up prices for the 56th consecutive month.
    有限的供應量持續連續第56個月推高房價。

Thinking of Selling? Don’t Overlook an Outdated Kitchen, Buyers Won’t 想賣屋嗎?別忽視老舊廚房,買家們不會

Thinking of Selling? Don’t Overlook an Outdated Kitchen, Buyers Won’t

If you are planning on listing your home for sale, make sure that you don’t overlook the condition of your kitchen. A recent article on realtor.com listed “7 Signs Your Kitchen Is Way Overdue for a Renovation,” in which they warned:

如果您正計劃要出售房屋,請確保注重您廚房的狀況。 最近一篇realtor.com的文章列出了“7個您的廚房需要重新裝修的標誌“,文章中警告:

“Dated kitchens—just like bathrooms—are a major barrier for resale. Buyers want modern amenities and styling, and most aren’t interested in renovating post-purchase.”

“老舊的廚房 – 就像浴室 – 是賣屋的主要障礙。買家想要現代化的設施和造型,大多數人對購屋後裝修不感興趣。”

(more…)