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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 - New! - $584,800
The perfect 2br/1ba Glenview
craftsman-updated kitchen &
bath, dual pane win, recessed
ceiling sur-sound theater system,
& much more!
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
07/16/2010:

Rates are at historic lows as
consumer confidences dips
lower. The housing market
which had experienced a bit of
a recovery in the last many
months is being tested by the
lack of buyer confidence even
with rates at historic lows.  
Interest rates over the last
many weeks have not changed
all that much, trading in a fairly
narrow range.  Looking into the
future, rates should remain
fairly stable as poor economic
conditions should continue
thus keeping rates stable.  The
long term outlook is for rates to
move much higher sometime in
the next year due to the
inflationary pressures
combined with the ever
growing US debt.
Counter
Joseph Mendes, MBA
Realtor   and Mortgage Broker

Your Realtor   and More
510-281-0501
®
®
Proud Title Sponsor of the
Click on the logo above to go to the Series home page
And the
May Jeremy Regalado's memory be eternal.  Our thoughts and prayers
go out to Jeremy's family.  Please click on the link below to contribute to
the Jeremy Regalado Memorial fund.

www.sportsbaseonline.com/events/index.xhtml?categoryId=26212
Wholesale Interest Rates
as of 7/16/2010:

Conforming:
30 year fixed - 4.25%
15 year fixed - 3.75%
10/1 ARM - 3.75%
7/1 ARM - 3.375%
5/1 ARM - 3.125%

Priced closest to par for
borrowers who have a credit
score of 720 or higher

Jumbo (up to $729,750):
10/1 ARM - 4.0%
7/1 ARM - 3.75%
5/1 ARM - 3.125%
15 year fixed - 4.125%
30 year fixed - 4.5%

Priced at par, 80% LTV
using full doc guidelines for
borrowers who have
a credit score of 720 or higher"

FHA/VA - $417,000 or less:
30 year fixed - 4.5%
15 year fixed - 4.0%
5/1 ARM - 3.25%

Priced nearest to par for
borrowers who have a credit
score of 620 or higher

FHA/VA - $417,001 or more:
30 year fixed - 4.5%
15 year fixed - 4.0%
5/1 ARM - 3.625%

Priced nearest to par for
borrowers who have a credit
score of 640 or higher
Results Page 1
Results Page 2
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M1/2, E3, M35+ 1/2/3, & M45+1/2/3
M4, M35+ 4, M45+ 4, & M55+
W1/2, W3, W4, & W35+
Post Wente Road Race