Another SOLD Listing in Clintonville - 524 E Lincoln Ave

Own 4 less than rent! Clintonville Charm-Convenience of today! Newer furnace, AC, windows, upgraded electric, refinished hwd flrs, remodeled bath & kitchen w/newer dishwasher, microwave & new floors. Awesome privacy fenced yard w/private dog run, deck & pond, HUGE 2 car garage w/NEW ROOF & wide private drive - agt related 2 seller. Contact your Clintonville Realtor - Debbie Harr 614-778-0985 or visit www.HomesThatClick.com

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Clintonville Ohio Home SOLD! - 449 Piedmont Rd

Abundance of updates including large dine in kitchen with granite countertops,updated baths, refinished hardwood floors, updated electrical & more. Spacious rooms ! Blend of historical Clintonville home with convenience of today! Natural woodwork. Sold for $223,300. Contact your Clintonville Realtor - Debbie Harr 614-778-0985 or visit www.HomesThatClick.com

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SOLD Clintonville Listing in 46 Days!!! - 460 Tibet Rd

Blending charm of Clintonville Ohio with modern day convenience! 3 Bedroom, 2 Bath with updates ! Enjoy a new roof, remodeled kitchen with granite countertops, new stainless steel appliances, ceramic tile floors, updated bath with new fixtures and ceramic tile floors, updated lighting fixtures, gleaming hardwood floors. Additional features include an oversized 2+ car garage with workshop and privacy fenced yard with a patio. Contact Debbie Harr 614-778-0985 www.HomesThatClick.com This home sold in 46 days!!!

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SOLD Clintonville Listing-170 E Pacemont Rd

Clintonville charmer waiting for the next owner to make it their own. Mechanical updates include NEW furnace & AC-03, NEW roof 08, NEW driveway 04. Abundance of windows, gleaming original hardwood under carpet, spacious rooms and original molding sold for $165,500

For more Clintonville listings - Contact your Clintonville Realtor - Debbie Harr 614-778-0985 or visit www.HomesThatClick.com

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WELCOME 2011—

Freddie Mac analysts point to five features that they believe will likely characterize the 2011 housing and mortgage markets:

1. Low mortgage rates. With Fed observers expecting the central bank to keep the federal funds rate at its current target range of 0% to 0.25% for most (or all) of 2011, relatively low mortgage rates will be a feature of the 2011 mortgage market. Thirty-year fixed-rate loans are likely to remain below 5% throughout the year, and initial rates of 5/1 hybrid adjustable-rate mortgages will likely remain below 4% in 2011.

2. Prices have hit bottom. House prices are likely to begin a gradual, but sustained recovery in the second half of 2011.

3. Housing will remain affordable. With affordability high, many first-time buyers will be attracted to the housing market in the New Year, likely translating into more home sales in 2011 than in 2010.

4. Refinances will dwindle. Many eligible borrowers have already refinanced and the federal Making Home Affordable refinance program is expiring on June 30. While fixed-rate loans are likely to remain low, they will move up gradually, making it even less likely that refinances will be attractive to most home owners.

5. Delinquency rates will decline. Based on the last several business cycles, the share of loans that are 90 or more days delinquent or in foreclosure proceedings--known as the "seriously delinquent rate"--generally crests within a year of the start of the recovery in payroll employment, and this economic recovery appears to fit within that pattern. Payrolls began to rise last January, and by the spring the seriously delinquent rate had begun to fall.

Source: Freddie Mac

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Sold Home in Clintonville - 127 E Royal Forest Blvd

Abundance of updates-Modern Convenient w/charm of Clintonville.$30K+ in last 4 yrs inc new dimensional roof, new kitchen & baths.Gleaming hardwood floors, 3/4 BR on 2nd flr!Finished Lower Level. Relax on your summer porch.Private & Fenced Yard. Larger than it looks-Convenient Location- Contact your Clintonville Realtor - Debbie Harr 614-778-0985 or visit www.HomesThatClick.com

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Now in Clintonville

"Where do we go from here?" That question from Alicia Keys’ song is on the minds of many Americans, as they wonder where home loan rates are headed after the recent negative news for Bonds.

Last week, Congress was busy at work on negotiations to extend the Bush-era tax cuts. That news kept a lid on any improvement for Bonds and home loan rates, due to the prospect of an ever-increasing deficit.

And adding to the troubles for Bonds and home loan rates last week was news that inflation is growing in China... and growing fast. How does that impact us? Remember, it's a global economy, so Bond prices all over the world worsen on news of inflation, which is bad for home loan rates.

So the big question is: Will home loan rates go back down to where they were in early November?

Although rates are still near historic lows, they have been headed up... and indications are that those unbelievably low home loan rates may be behind us. In fact, there are only a few things that would bring back the lows that we saw in early November:

• If the tax cut package doesn't get passed, it would be very bad news for the economy and Stock market - but it would help interest rates.
• If the Fed’s recent round of Quantitative Easing falls on its face and doesn't meet its mission of creating inflation, boosting Stock prices, lowering unemployment and creating consumer demand - Bond prices could make some gains as the threat of deflation reemerges. But this is a long shot.
• If the financial problems in Europe worsen significantly - which would drive investors into the safe haven of the US Bond market - it could help Bond prices, but probably only modestly.

Realistically, the chances of these events happening are unlikely - and in the end, rates may see some brief and fleeting improvements, but many experts believe they will likely continue to creep up over time. And when you include the simulative action of extending the present tax rates and adding further cuts, it’s tough to see Bonds or home loan rates improving much.

The good news is that home loan rates are still extremely attractive and are still near historic lows for now. If you or someone you know has been thinking about purchasing or refinancing a home, NOW is the time to call or email to get started.

Remember, as a general rule, weaker than expected economic data is good for rates, while positive data causes rates to rise.

Fortunately, there’s still time to lock in at near historic lows. It only takes a few minutes to see if this makes sense for you, or one of your friends, family members, neighbors, coworkers to buy a home NOW in Clintonville Ohio. Please take the time to call or email to get started.

The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, we do not make any representations as to its accuracy or completeness and as a result, there is no guarantee it is without errors.

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