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Rachel LaMar, J.D.
Broker, Attorney, Owner
LaMar Real Estate
Rachel@LaMarRealEstate.org
Cellular 760-310-9466
CA BRE# 01399682

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News, Views and Opinions on Real Estate, Law and the North San Diego Community

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rachel
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Rachel LaMar, J.D.
Broker, Attorney, Owner
LaMar Real Estate
Rachel@LaMarRealEstate.org
Cellular 760-310-9466
CA BRE# 01399682

News, Views and Opinions on Real Estate, Law and the North San Diego Community

Why the Real Estate Market WON’T Crash in 2021

By Rachel LaMar | January 13, 2021

There has been a lot of buzz lately about whether the real estate market will crash in 2021…I say that will not happen! Let’s look at the reasons why. 1. Loans and the inability to repay them are treated differently today.. Unlike the 2008 market crash, lenders have not been making a plethora of bad loans since the market corrected; instead they have been very cautious about assuring that borrowers are well qualified and have low debt to income ratios. This is the opposite to the 2008 crash, where lenders had been making bad loans to virtually any buyer with…

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Why the Real Estate Market WON’T Crash in 2021

By Rachel LaMar | January 13, 2021

There has been a lot of buzz lately about whether the real estate market will crash in 2021…I say that will not happen! Let’s look at the reasons why. 1. Loans and the inability to repay them are treated differently today.. Unlike the 2008 market crash, lenders have not been making a plethora of bad loans since the market corrected; instead they have been very cautious about assuring that borrowers are well qualified and have low debt to income ratios. This is the opposite to the 2008 crash, where lenders had been making bad loans to virtually any buyer with…

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2021 Real Estate Market Predictions

By Rachel LaMar | December 9, 2020

It’s the time of year for my annual real estate market prediction for the coming year. First of all I want to say that this has been a difficult and strange year for all humankind. Life as we knew it is no more, we have changed the way we do everything – work, play, congregate,…

Coming Right Up: More Buying Power For Buyers

By Rachel LaMar | November 27, 2020

Attention buyers using loans to purchase property: your buying power will be increasing this Spring. The Federal Housing Finance Agency announced it will be increasing conforming loan limits almost $38,000 starting in March. First let’s look at what exactly a conforming loan limit is. Fannie Mae and Freddie Mac are the guarantors of the majority…

Most Costly (But Preventable) Home Maintenance Issue

By Rachel LaMar | October 30, 2020

It always amazes me when I list homes that most sellers do not do the one thing annually to protect themselves from hefty costs at selling time…and it only has to be done once a year and costs very little. If you guessed “termite inspection” you are correct! Here in California termites are pretty common…

Federal Down Payment Help May Soon Be Here!

By Rachel LaMar | September 9, 2020

Do you want to buy a home but don’t have the down payment? That may soon no longer be a problem. Lack of money for a down payment is the number one obstacle to homeownership. Many would have no problem qualifying for a loan if they had the cash to put down on a purchase,…