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	<title>DreamTeam-Jo Cel Perez &#38; Hector Gamez &#187; points</title>
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	<link>http://dreamteamrw.com</link>
	<description>Realty World - Peninsula Mortgage</description>
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		<title>Under A Minute Facts</title>
		<link>http://dreamteamrw.com/2009/10/22/under-a-minute-facts/</link>
		<comments>http://dreamteamrw.com/2009/10/22/under-a-minute-facts/#comments</comments>
		<pubDate>Fri, 23 Oct 2009 01:19:32 +0000</pubDate>
		<dc:creator>Joe Perez</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[FEES]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[Interest]]></category>
		<category><![CDATA[Interest Rate]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Percent]]></category>
		<category><![CDATA[points]]></category>
		<category><![CDATA[prices]]></category>
		<category><![CDATA[rates]]></category>

		<guid isPermaLink="false">/?p=128</guid>
		<description><![CDATA[Calif. median home price &#8211; August 09: $292,960 (Source: C.A.R.)
Calif. highest median home price by C.A.R. region August 09: Santa Barbara So. Coast $828,750 (Source: C.A.R.)
Calif. lowest median home price by C.A.R. region August 09: High Desert $111,770 (Source: C.A.R.)
Calif. First-time Buyer Affordability Index &#8211; Second Quarter 2009: 67 percent (Source: C.A.R.)
Mortgage rates &#8211; week [...]]]></description>
			<content:encoded><![CDATA[<p><a rel="nofollow" href="http://takeaction.realtoractioncenter.com/ct/pdA_8yK1HTaJ/" target="_blank">Calif. median home price</a> &#8211; August 09: $292,960 (Source: C.A.R.)<br />
Calif. highest median home price by C.A.R. region August 09: Santa Barbara So. Coast $828,750 (Source: C.A.R.)<br />
Calif. lowest median home price by C.A.R. region August 09: High Desert $111,770 (Source: C.A.R.)<br />
<a rel="nofollow" href="http://takeaction.realtoractioncenter.com/ct/p1A_8yK1HTa-/" target="_blank">Calif. First-time Buyer Affordability Index</a> &#8211; Second Quarter 2009: 67 percent (Source: C.A.R.)<br />
<a rel="nofollow" href="http://takeaction.realtoractioncenter.com/ct/PpA_8yK1HTz1/" target="_blank"><span>Mortgage rates</span></a> &#8211; week ending 10/15/09 30-yr. fixed: 4.92% Fees/points: 0.7% 15-yr. fixed: 4.37% Fees/points: 0.7% 1-yr. adjustable: 4.60% Fees/points: 0.5% (Source: Freddie Mac)</p>
<p><strong><em>Local Median Home Prices&#8230;.</em></strong></p>
<p>  County/City/Area                August 2009               August 2008             % Change</p>
<table border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;background: yellow;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Santa Clara</span> <span>County</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;background: yellow;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    450,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;background: yellow;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $   570,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;background: yellow;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-21.1%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Campbell</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    615,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $   652,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-5.7%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Cupertino</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    870,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $1,153,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-24.5%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Gilroy</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    375,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $   415,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-9.6%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Los Gatos</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    900,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $1,250,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-28.0%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Milpitas</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    410,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $   565,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-27.4%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Morgan Hill</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    517,500.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $   641,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-19.3%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Mountain View</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    732,500.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $   810,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-9.6%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>San Jose</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    382,500.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $   500,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-23.5%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Santa Clara</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    525,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $   592,500.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-11.4%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Sara</span><span> toga</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $ 1,337,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $1,325,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>0.9%</span></p>
</td>
</tr>
<tr style="height: 12.75pt">
<td style="border-bottom: windowtext 1pt solid;border-left: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 144.25pt;padding-right: 5.4pt;height: 12.75pt;border-right: windowtext 1pt solid;padding-top: 0in" width="192" valign="bottom"><span>Sunnyvale</span></td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 100.25pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="134" valign="bottom">
<p align="right"><span> $    527,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 81pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="108" valign="bottom">
<p align="right"><span> $   650,000.00</span></p>
</td>
<td style="border-bottom: windowtext 1pt solid;padding-bottom: 0in;background-color: transparent;border-top-color: #e0dfe3;padding-left: 5.4pt;width: 63pt;padding-right: 5.4pt;height: 12.75pt;border-left-color: #e0dfe3;border-right: windowtext 1pt solid;padding-top: 0in" width="84" valign="bottom">
<p align="right"><span>-18.9%</span></p>
</td>
</tr>
</tbody>
</table>
<p>Source:CAR</p>
]]></content:encoded>
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