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A real estate professional and cyclist active in his
community and in support of future riders


















Having fun teaching children a little bit about bicycle safety and maintenance
at Chabot College's Children Center Trike-athon Fundraiser.
Listing - Sold!  June 2009
5066 Saint Patricia Court
Concord, CA
Sold Price - $483,000
Listed for $327,950
Charming Sky High Ranch
Cabin near Bear Valley
1280 sqft of living space plus ~300
sqft of unpermitted living space
2 Bedrooms/1 Bath
Where rates are headed
as of 6/26/2009:

Sideways from here with
small movements up and
down, but the long term
outlook is for rates to move
higher due to the
inflationary pressures

Wholesale Interest Rates
as of 6/26/2009:

*Conforming:

30 year fixed - 5.125%
15 year fixed - 4.625%
10/1 ARM - 5.0%
7/1 ARM - 4.625%
5/1 ARM - 4.125%
3/1 ARM - 3.625%


*Priced at par for borrowers
who have a credit score of
720 or higher

**Jumbo (up to $729,900):

15 year fixed - 5.125%
30 year fixed - 5.25%

**Priced at par, 80% LTV
using full doc guidelines
for borrowers who have
a credit score of 700 or
higher"
Counter
Joseph Mendes, MBA
Realtor   and Mortgage Broker

Your Realtor   and More
510-281-0501
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