|
Click chart for article |
Home Sales Volume and Price Peaks:
Homes sold in California, per month, from September 2003-present, with accompanying analysis and predictions. |
|
Click chart for article |
Tracking the Market:
The value of stocks in the market, represented by the S&P 500 index, is contrasted with the price/earnings (PE) ratio, along with first tuesday insight and forecasting. |
|
Click above for additional charts and article |
CA Home Values 1989-Present:
Tiered pricing from the Case-Shiller index, comparing the prices of all homes in San Diego, Los Angeles, and San Francisco over the past twenty years. |
|
Click above for additional charts and article |
Jobs Move Real Estate:
The past and future of jobs in California: current, detailed employment numbers for the state and its biggest counties. |
|
Click chart for article |
CA Unemployment 1976-Present:
The dark side of Jobs Move Real Estate: the unemployed percentage of the labor force, with analysis of the vital role jobs play in the market at large. |
|
Click chart for article |
Monthly Residential Construction:
New homes constructed in California on a monthly basis, displaying trends in the construction of new single-family residences (SFRs) and Apartments/Condos. |
|
Click chart for article |
Annual Residential Construction:
New homes constructed in California on a yearly basis, displaying trends in the construction of new single-family residences (SFRs) and Apartments/Condos. |
|

Click chart for article |
Homeownership Statewide
The rate of single-family homeownership in California since 1990. |
|

Click chart for article |
Homeownership by Age in the Western Census Region:
2009’s rate of single-family homeownership in the western region, broken down by age group. |
|

Click chart for article |
Rental Vacancies Statewide:
The rental vacancy rate in California from 1990-present, courtesy of the United States Census Bureau. |
|

Click chart for article |
State population over 65:
The total California population of “Senior Citizens,” citizens aged 65 and over, from 1980-present, with first tuesday projections based on the current population of Baby Boomers. |
|
Click chart for article |
First Time Homebuyers and New Housing:
The annual number of 1st time homebuyers, aged 25-34, with the construction of single- and multi-family residences from 1980, with first tuesday forecasts. |
|
Click chart for article |
ARM Ratio in the Market:
The ratio of adjustable rate mortgages (ARMs) to all loans originated in the United States. |
|
Click chart for article |
Personal Bankruptcy in CA:
California’s annual number of personal bankruptcies filed, and a brief explanation of bankruptcy’s often-overlooked tie to homeownership. |
|
Click above for additional charts and article |
NODs and Trustee’s Deeds:
Notices of Default (NODs) issued quarterly, from 1994-present, giving an in-depth look at foreclosures past and future. |
|
Click chart for article |
How CA’s Mighty Have Fared, One Year On:
The number of agents employed by California’s 30 largest brokers in July 2008 and August 2009. |
|
Click chart for article |
Trends in Homebuyer Sentiment:
Homebuyer opinion on the housing market and personal financial conditions |
|
Click chart for article |
Broker and Agent Population:
The total number of DRE-licensed brokers and sales agents in California from 2001-2009. |
|
Click chart for article |
Broker and Agent Licensing:
The number of sales agent and and broker licenses issued by the California Department of Real Estate from 1997-present. |
|
Click chart for article |
Rate of Population Growth:
The rate of population growth for California since 1990, compared with growth rates for the entire nation. |
|
Click chart for article |
REIT Values and Returns:
Historical Values and Returns from all US Real Estate Investment Trusts (REITs). |
|
Click chart for article |
Buyer Purchasing Power:
The buyer’s ability to purchase a home, as influenced by the annual change in federal rates. |
|
Click chart for article |
The Yield Spread:
An essential tool used to predict economic conditions affecting the real estate market. |
|
Click chart for article |
91-Day Treasury Bill —Average Auction Rate:
Used to determine the minimum interest rate the seller must impute in a delayed §1031 transaction. |
|
Click chart for article |
3-Month Treasury Bill:
The base price of borrowing money in the short-term, used to determine the yield spread. |
|
Click chart for article |
10-Year T-Bonds —Average Market Yield:
Indicates the direction of future FHLMC rates. |
|

Click chart for article |
Average 30-Year Conventional Commitment Rate:
The 30-year rate at which a lender commits to lend mortgage money in the United States-West as reported by FHLMC. |
|

Click chart for article |
Average 15-Year Conventional Commitment Rate:
The 15-year rate at which a lender commits to lend mortgage money in the United States-West as reported by FHLMC. |
|
Click chart for article |
6-Month Treasury Bill —
Average Auction Rate:
The ARM interest rate equals the 6-month T-Bill rate (at time of adjustment or an average of several prior rates), plus the lender’s profit margin. |
|
Click chart for article |
Treasury Securities Avg. Yield — 1-Year Constant Maturity:
The ARM interest rate equals T-Bill yield, plus the lender’s profit margin. The index is an average of T-Bill yields with maturities adjusted to one year. |
|

Click chart for article |
12-Month Treasury Average:
The ARM interest rate equals T-Bill average yield plus the lender’s profit margin. The index is an average of the one-year T-Bill rates for the past 12 months. |
|

Click chart for article |
Cost-of-Funds Index (11th FHLBB District):
The ARM interest rate equals the Cost-of-Funds, plus the lender’s profit margin. The current index reflects the cost of funds two months’ prior in the Unites States-West. |
|
Click chart for article |
Combined average rates and 12 month treasury average:
The average 15- and 30-year conventional commitment rates as reported by the FHLMC, superimposed with the 12 month treasury average. |
|

Click chart for article |
London Inter-Bank Offered Rate:
The ARM interest rate equals the LIBOR rate plus the lender’s profit margin. The rate is set by the banks in London, England. |
|

Click chart for article |
Prime Rate:
The prime rate is used by banks to price short-term business loans and set ARMs. |
|

Click chart for article |
Discount Rate —
Federal Reserve Bank of San Francisco:
Usury law limits the annual interest yield on nonexempt loans to 10%, or the discount rate plus 5%, whichever is greater. |
|

Click chart for article |
Applicable Federal Rates:
Determines minimum interest yield reportable on carryback financing. The AFR category is determined by the carryback due date. |