Realtor Cass

11/01/2021

Veritas Vantage Home Team at Premiere Property Group is here for all your real estate needs. Anni Holter is a real estate broker with a background in construction and Cassandre Guillén is a Principal Broker with 19 years of experience, specializing in small acreage.

10/28/2021

Oh my, those views 😍 Key delivery day is my favorite day! I’m excited to see what my clients do with their own little place of peace on Earth 🌎💕🏡

03/20/2020

Happy Friday! Here is some good information to explain what the recent rate cut the Federal Reserve means to you.

Falling Mortgage Rates Will Likely Hit A Floor & Here Is Why.
We all have been glued to our news sources the last new weeks. You've likely seen that the Federal Reserve has taken action to cute rate to zero. While 0% interest rates sound great to anyone who is looking to purchase or refinance here are a few things you need to know.

1. The Fed does not control mortgage rates. Their cuts apply to rate for loans between the Fed and banks or from one bank to another.

2. The Fed's actions most quickly impact the rates on the U.S. Treasury Securities. These markets can influence Mortgage Backed Securities, which then in turn influences mortgage rates.

3. In times of uncertainty, there are other factors that can overrule the norm. Remember 2008? Despite aggressive cuts by the Fed, mortgage rates hit a floor and never fell further. The same is happening right now.

SO WHY IS THIS HAPPENING?

1. Volume. Demand for mortgage purchases and refinances are stretching the industries capacity. To slow the demand, rate may hover at higher levels.

2. Reduced Investment. When investors know that borrowers will refinance early, they expect to lose income. What that means is that investors will buy less new mortgages that are backed by securities. Less demand, means higher mortgage rates.

THE FACTS
a 0% Fed funds rate will not lead to a 0% mortgage loan rate. Mortgage bonds will always have a level under which investors will not purchase them, and mortgage rates reflect that threshold.

THE GOOD NEWS
Mortgage rates are still at historically lows. Now is the opportunity to save significantly by refinancing or locking in a great rate on a purchase. If you are considering purchasing or refinancing this year, now is the time to get your things in order so as rates fluctuate we can take advantage of this and save you money.

If you would like to discuss buying or selling in our current market, give Cassandre a call @ 503.810.3128 today!

03/15/2020

Two new listings coming on the market this week! Plus this great news. Remember that we as Americans have some control over our economy. We can panic and act like the sky is falling or we can act with reason and caution, realizing that this too shall pass.

The Fed took dramatic steps not seen since the 2008 financial crisis to bolster the U.S. economy in the face of coronavirus.

02/07/2020

New construction home inspection this morning

02/03/2020

https://youtu.be/beKiFbYBuQ4

Phil Dunphy of Modern Family talks about reading between the lines...Motivated Seller= Nasty Divorce FAIR USE NOTICE: This video may contain copyrighted mate...

12/29/2019

I’m absolutely in ♥️ with the new construction homes in NW Bend! No cookie cutter houses here, all of the unique styles mixed together.

12/14/2019

Work hard play harder

12/01/2019

How to successfully complete 30 hours of continuing education

11/20/2019

Loved looking at this 1929 home in Salem today! The owner may turn it into a vacation rental and have me manage it for them.