Pending home sales rose in May to the highest level since late 2006, implying a possible spark as mortgage interest rates began to rise, according to the National Association of REALTORS®.
The Pending Home Sales Index, a forward-looking indicator based on contract signings, increased 6.7 percent to 112.3 in May from a downwardly revised 105.2 in April, and is 12.1 percent above May 2012 when it was 100.2. Contract activity is at its strongest pace since December 2006, when it reached 112.8. Also, pending sales have been above year-ago levels for the past 25 months.
Lawrence Yun, NAR chief economist, said there may be a fence-jumping effect. “Even with limited choices, it appears some of the rise in contract signings could be from buyers wanting to take advantage of current affordability conditions before mortgage interest rates move higher,” he said. “This implies a continuation of double-digit price increases from a year earlier, with a strong push from pent-up demand.”
Regionally, the index went unchaged in the Northeast, but is 14.3 percent above a year ago. In the Midwest, it jumped 10.2 percent to 115.5 in May and is 22.2 percent higher than May 2012. Pending home sales in the South rose 2.8 percent and 16 percent in the West.
Source: NAR
Thursday, June 27, 2013
Wednesday, June 26, 2013
Delinquency, Foreclosure Rates Decrease to Post-Crisis Lows in May
The national
delinquency rate and foreclosure inventory rate each fell to post-crisis lows
in May, Lender Processing Services reported Tuesday. At 6.08 percent, the
national delinquency rate in May stood at the lowest level since May 2008, when
the rate was 5.96 percent.
At the same time, the foreclosure inventory rate slipped to 3.05 percent, which represents the lowest point since March 2009 when the rate was 2.90 percent. Over the last year, foreclosure inventory has plunged 27 percent and also fell by 3.9 percent over the last month.
LPS also reported about 3.04 million mortgages were past due by at least one month, but not yet in foreclosure. Of that total, about 1.34 million are 90 days or more past due but not in foreclosure.
The five states that topped the list for having the highest percentage of past due mortgages were Florida, New Jersey, Mississippi, Nevada, and New York.
The five states with the lowest percentage of non-current loans were Montana, Alaska, Wyoming, South Dakota, and North Dakota.
Source: dsnews.com; Lender Processing Services.
At the same time, the foreclosure inventory rate slipped to 3.05 percent, which represents the lowest point since March 2009 when the rate was 2.90 percent. Over the last year, foreclosure inventory has plunged 27 percent and also fell by 3.9 percent over the last month.
LPS also reported about 3.04 million mortgages were past due by at least one month, but not yet in foreclosure. Of that total, about 1.34 million are 90 days or more past due but not in foreclosure.
The five states that topped the list for having the highest percentage of past due mortgages were Florida, New Jersey, Mississippi, Nevada, and New York.
The five states with the lowest percentage of non-current loans were Montana, Alaska, Wyoming, South Dakota, and North Dakota.
Source: dsnews.com; Lender Processing Services.
Looking to Move To Chino Hills or other Southern California Communities With The Best Schools?
For many prospective homebuyers with children, secondary education is an important consideration when selecting a community to move into.
Consulting with friends, family and realtors can be a good source to begin to understand which areas are considered to be within the boundaries of the better school disctricts and ultimately the best schools.
If your are looking to move to Chino Hills, Walnut, Diamond Bar, Upland, Corona, Rancho Cucamonga or other surrounding communities, there are several good websites for those wanting to conduct their own research. Here are two:
http://www.education.com/schoolfinder/
http://www.usnews.com/education/best-high-schools/california
Consulting with friends, family and realtors can be a good source to begin to understand which areas are considered to be within the boundaries of the better school disctricts and ultimately the best schools.
If your are looking to move to Chino Hills, Walnut, Diamond Bar, Upland, Corona, Rancho Cucamonga or other surrounding communities, there are several good websites for those wanting to conduct their own research. Here are two:
http://www.education.com/schoolfinder/
http://www.usnews.com/education/best-high-schools/california
Tuesday, June 25, 2013
Wells Fargo, Citigroup Halt Foreclosure Sales
Wells Fargo and Citigroup have temporarily halted foreclosure sales in several states, taking precautions after a federal regulator released new guidance on minimum standards for foreclosure sales.
The Office of the Comptroller of the Currency (OCC) recently released the new standards. The OCC’s directive mostly consists of 13 questions banks need to ask themselves before selling a home in foreclosure, such as whether the borrower is protected from foreclosure by bankruptcy or if the borrower is in an active loan modification plan.
JPMorgan had also mostly stopped its foreclosure sales after the OCC’s standards were released, but has since resumed sales.
Wells Fargo, the nation’s largest mortgage originator, has seen a dramatic drop in foreclosure sales while significantly decreasing the number of sales it’s processing. For example, foreclosure sales by Wells Fargo in California, Nevada, Arizona, Oregon, and Washington plummeted from 349 a day in April to less than 10 a day, according to Foreclosure Radar, a real estate monitoring firm based in California.
"Wells Fargo has temporarily postponed certain foreclosure sales while we study the revised guidance from the OCC," a Wells Fargo spokeswoman confirmed for American Banker. Citibank officials also confirmed the reason behind their halt in sales was to carefully review the new guidance.
"The OCC did not direct a slowdown or pausing," says OCC spokesman Bryan Hubbard. "However, if servicers are not certain they are meeting these standards, pausing foreclosures is a responsible and productive step."
Source: “Wells, Citi Halt Most Foreclosure Sales as OCC Ratchets Up Scrutiny,” American Banker (May 17, 2013)
The Office of the Comptroller of the Currency (OCC) recently released the new standards. The OCC’s directive mostly consists of 13 questions banks need to ask themselves before selling a home in foreclosure, such as whether the borrower is protected from foreclosure by bankruptcy or if the borrower is in an active loan modification plan.
JPMorgan had also mostly stopped its foreclosure sales after the OCC’s standards were released, but has since resumed sales.
Wells Fargo, the nation’s largest mortgage originator, has seen a dramatic drop in foreclosure sales while significantly decreasing the number of sales it’s processing. For example, foreclosure sales by Wells Fargo in California, Nevada, Arizona, Oregon, and Washington plummeted from 349 a day in April to less than 10 a day, according to Foreclosure Radar, a real estate monitoring firm based in California.
"Wells Fargo has temporarily postponed certain foreclosure sales while we study the revised guidance from the OCC," a Wells Fargo spokeswoman confirmed for American Banker. Citibank officials also confirmed the reason behind their halt in sales was to carefully review the new guidance.
"The OCC did not direct a slowdown or pausing," says OCC spokesman Bryan Hubbard. "However, if servicers are not certain they are meeting these standards, pausing foreclosures is a responsible and productive step."
Source: “Wells, Citi Halt Most Foreclosure Sales as OCC Ratchets Up Scrutiny,” American Banker (May 17, 2013)
Monday, June 24, 2013
We're Forever Seeing Bubbles
The recent jump in home prices (near record month-over-month and year-over-year increases reported for May by the National Association of Realtors) has led to speculation that the rapid surge in home prices could be the sign of a new housing bubble similar to the one that led to the Great Recession. Is it? The not-so-short answer is, not yet.
Through May the median price of an existing single-family home has risen by double-digits for seven of the last eight months (and in the eighth, the year-over-year increase was 9.4 percent). For comparison’s sake, note that in the run-up to the collapse in 2006, the median price of an existing single-family home rose by double-digits year-over-year for 11 straight months.
An increase in prices itself does not signal a bubble. An unsustainable increase, not supported by other data, however, would. In the run-up to the 2006 collapse, the higher prices—which had been trending up for four years—led to a sharp uptick in construction wholly unsupported by demographics.
Despite the fact we still theoretically have more potential sellers than buyers, which should drive prices down, the inventory of homes listed for sale has remained low. That low inventory, combined with low interest rates keeping affordability high, has driven prices up.
Many analysts contend the current prices are justified by low rates, which keep home affordable even as prices rise. This would suggest that as rates rise, prices will move in the opposite direction, a replay of the post-2006 economy. That’s not though what history tells us. If prices fall in response to higher rates, it would mean market behavior has changed, a phenomenon for which we may not be prepared.
For more...see We're-forever-seeing-bubbles-2013-06-21
Through May the median price of an existing single-family home has risen by double-digits for seven of the last eight months (and in the eighth, the year-over-year increase was 9.4 percent). For comparison’s sake, note that in the run-up to the collapse in 2006, the median price of an existing single-family home rose by double-digits year-over-year for 11 straight months.
An increase in prices itself does not signal a bubble. An unsustainable increase, not supported by other data, however, would. In the run-up to the 2006 collapse, the higher prices—which had been trending up for four years—led to a sharp uptick in construction wholly unsupported by demographics.
Despite the fact we still theoretically have more potential sellers than buyers, which should drive prices down, the inventory of homes listed for sale has remained low. That low inventory, combined with low interest rates keeping affordability high, has driven prices up.
Many analysts contend the current prices are justified by low rates, which keep home affordable even as prices rise. This would suggest that as rates rise, prices will move in the opposite direction, a replay of the post-2006 economy. That’s not though what history tells us. If prices fall in response to higher rates, it would mean market behavior has changed, a phenomenon for which we may not be prepared.
For more...see We're-forever-seeing-bubbles-2013-06-21
Sunday, June 23, 2013
Trulia: Asking Prices Accelerate in Least Affordable Housing Markets
Asking prices are rising at an especially fast pace in the least affordable housing markets, according to Trulia.
Nationally, asking prices increased 9.5 percent year-over-year in May, but in the ten least affordable metros, asking prices spiked 16.3 percent during the same time period.
Trulia also found out of the 100 largest metros, 98 saw asking prices increase over the last year.
Among the least affordable markets, seven were in California.
Honolulu was found to be the least affordable metro, where 74 percent of monthly household income is used to pay a mortgage. In San Francisco, households spend 55 percent of their monthly wages on their mortgage.
In the 10 least affordable markets, households spent at least a third of their income towards their mortgage.
The calculation assumed a 3.8 percent interest rate on a home that is 1800 square feet.
For the full article, see trulia-asking-prices-accelerate-in-least-affordable-housing-markets-2013-06-07
Nationally, asking prices increased 9.5 percent year-over-year in May, but in the ten least affordable metros, asking prices spiked 16.3 percent during the same time period.
Trulia also found out of the 100 largest metros, 98 saw asking prices increase over the last year.
Among the least affordable markets, seven were in California.
Honolulu was found to be the least affordable metro, where 74 percent of monthly household income is used to pay a mortgage. In San Francisco, households spend 55 percent of their monthly wages on their mortgage.
In the 10 least affordable markets, households spent at least a third of their income towards their mortgage.
The calculation assumed a 3.8 percent interest rate on a home that is 1800 square feet.
Jed Kolko, Trulia’s chief economist, gave two reasons for why the gap in affordability matters.
For one, it leads to a migration out of less affordable markets.
“[M]ore people in expensive markets like California will look to relocate to cheaper markets like Texas when the time comes to buy,” he said.
For the full article, see trulia-asking-prices-accelerate-in-least-affordable-housing-markets-2013-06-07
Saturday, June 22, 2013
Friday, June 21, 2013
Housing Pushes Economy’s Recovery
Fannie Mae’s Economic & Strategic Research Group has announced that the
strengthening of the housing market is pushing the economy forward but the
country’s growth has yet to reach its full potential.
While we are currently experiencing a prolonged period of steady economic growth, it is expected that growth will remain below 2.0 percent for the first half of the year, with gradual strengthening in the second half of 2013 and into 2014.
The ongoing recovery in housing has contributed greatly to an economy moving in a positive direction, thanks to home prices, home sales, and homebuilding activity showing signs of long-term improvement. In fact, growth is expected to surpass 2.5 percent in 2014 due to improved conditions in the housing market.
For more info see fanniemae news/2013/
While we are currently experiencing a prolonged period of steady economic growth, it is expected that growth will remain below 2.0 percent for the first half of the year, with gradual strengthening in the second half of 2013 and into 2014.
The ongoing recovery in housing has contributed greatly to an economy moving in a positive direction, thanks to home prices, home sales, and homebuilding activity showing signs of long-term improvement. In fact, growth is expected to surpass 2.5 percent in 2014 due to improved conditions in the housing market.
For more info see fanniemae news/2013/
Thursday, June 20, 2013
NEARLY 1 MILLION HOUSES FLOAT BACK INTO POSITIVE EQUITY
Approximately 850,000 more residential properties
returned to a state of positive equity during the first quarter of 2013,
according to the CoreLogic first quarter home equity report.
The recovery is still far below peak home price levels, but tight supplies in many areas coupled with continued demand for single family homes should help close the gap.
Rising home values in many areas including many areas within San Bernadino, Riverside and Los Angeles counties are responsible for causing the negative equity burden to recede.
For the full article visit 1-million-houses-float-back-positive-equity
The recovery is still far below peak home price levels, but tight supplies in many areas coupled with continued demand for single family homes should help close the gap.
Rising home values in many areas including many areas within San Bernadino, Riverside and Los Angeles counties are responsible for causing the negative equity burden to recede.
For the full article visit 1-million-houses-float-back-positive-equity
Wednesday, June 19, 2013
5 Federal Programs Homeowners Should Review for 2013
As homeowners receive their annual property assessments
& taxable valuations in the mail, many will see the continued drop in the
value of their home. Despite recent reports of declining “underwater”
homeowners in the fourth quarter of 2012, there are still many homeowners
looking for help.
Property values in many California markets to include, Chino, Chino Hills, Diamond Bar and
surrounding areas are starting to see property values creeping up; but, many
homeowners are still underwater and owe more than their home is worth.
Information & education is imperative on housing
programs that are available to homeowners. Qualifying for one of these programs
can mean the difference between losing or staying in their home.
The following is a list federal programs compiled by
Greenpath Debt Solutions.
- HAMP (Home Affordable Modification Program) - Tier 1 & Tier 2
- HAFA (Home Affordable Foreclosure Altrnatives) - Updates
- Independent Foreclosure Review Alternative Settlement
- Fannie Mae Refinancing Incentive
- Hardest Hit Funds - See http://www.ncsha.org/housing-help
Monday, June 17, 2013
10 Hottest Rental Markets
Realtor.com® recently released a list of the top rental markets in the country, based on the most-searched markets at its site the last month. Among the top 10 markets:
1. Las Vegas
Median rent: $1,100
2. Austin, Texas
Median rent: $1,450
3. Charlotte, N.C.
Median rent: $1,195
4. San Antonio, Texas
Median rent: $1,100
5. Orlando, Fla.
Median rent: $1,195
6. Raleigh, N.C.
Median rent: $1,095
7. Chicago
Median rent: $1,550
8. Los Angeles
Median rent: $2,650
9. Atlanta
Median rent: $1,353
10. Houston
Median rent: $1,355
Source: “The Top 10 U.S. Rental Markets,” realtor.com® (June 5, 2013)
1. Las Vegas
Median rent: $1,100
2. Austin, Texas
Median rent: $1,450
3. Charlotte, N.C.
Median rent: $1,195
4. San Antonio, Texas
Median rent: $1,100
5. Orlando, Fla.
Median rent: $1,195
6. Raleigh, N.C.
Median rent: $1,095
7. Chicago
Median rent: $1,550
8. Los Angeles
Median rent: $2,650
9. Atlanta
Median rent: $1,353
10. Houston
Median rent: $1,355
Source: “The Top 10 U.S. Rental Markets,” realtor.com® (June 5, 2013)
Sunday, June 16, 2013
More Home Owners Regain Long-Lost Equity
Rising home prices are helping to propel more home owners back into positive equity. About 850,000 residential properties returned to positive equity during the first quarter of 2013, according to new data released by CoreLogic. That brings the total to 1.7 million borrowers who have regained positive equity in the past year.
In total, 39 million residential properties now have positive equity.
"The negative equity burden continues to recede across the country thanks largely to rising home prices," says Anand Nallathambi, president and CEO of CoreLogic.
By the end of the first quarter, 19.8 percent of all residential properties with a mortgage -- or 19.7 million -- still had negative equity. At the end of the fourth quarter of 2012, 10.5 million or 21.7 percent of residential properties were underwater.
The states with the highest percentage of negative equity properties are:
In total, 39 million residential properties now have positive equity.
"The negative equity burden continues to recede across the country thanks largely to rising home prices," says Anand Nallathambi, president and CEO of CoreLogic.
By the end of the first quarter, 19.8 percent of all residential properties with a mortgage -- or 19.7 million -- still had negative equity. At the end of the fourth quarter of 2012, 10.5 million or 21.7 percent of residential properties were underwater.
The states with the highest percentage of negative equity properties are:
- Nevada: 45.4% of the properties there are still underwater
- Florida: 38.1% underwater
- Michigan: 32% underwater
Saturday, June 15, 2013
LIST OF IMPROVING HOUSING MARKETS RISES IN JUNE
The number of U.S. housing markets on the mend rose by five to a
total of 263 in June, according to the National Association of Home
Builders/First American Improving Markets Index. The list includes entrants
from 49 states and the District of Columbia.
The Index identifies metropolitan areas that have shown
improvement from their respective troughs in housing permits, employment, and
house prices for at least six consecutive months. Nearly 30 (29) new markets
were added to the list while 24 others were dropped from it this month. New
entrants included such many geographically diverse metros; however, Salinas was the only market area added from California.
“This is the fifth consecutive month in which the IMI has designated more than 70 percent of U.S. metros as improving,” observed NAHB Chairman Rick Judson. “While that’s a good sign that the housing recovery is on solid footing, we know that various challenges are slowing its progress – including continuing issues with credit availability for builders and buyers, as well as appraisals that aren’t keeping up with the rising cost of construction.”
Friday, June 14, 2013
ASKING PRICES UP IN LEAST-AFFORDABLE HOUSING MARKETS
Asking prices continue to increase steadily nationwide
in May, rising in 98 of the largest 100 metros, according to Trulia’s Price
Monitor. Nationally, prices are up 9.5 percent year-over-year. Seasonally
adjusted, prices increased 4 percent quarter-over-quarter and 1.1 percent
month-over-month.
Eight out of the 10 least affordable markets, with seven in California, are all showing double digit increases in asking prices, making home affordability even tougher for would-be buyers. Orange County, Oakland, and San Jose all had price increases of more than 20 percent, making these already expensive markets even less affordable. Prices are up 16.3 percent, on average, in these 10 least affordable housing markets.
Eight out of the 10 least affordable markets, with seven in California, are all showing double digit increases in asking prices, making home affordability even tougher for would-be buyers. Orange County, Oakland, and San Jose all had price increases of more than 20 percent, making these already expensive markets even less affordable. Prices are up 16.3 percent, on average, in these 10 least affordable housing markets.
Thursday, June 13, 2013
RACIAL, ETHNIC MINORITIES FACE HOUSING DISCRIMINATION
Blatant acts of housing discrimination faced by minority home-seekers continue to decline in the U.S., yet more subtle forms of housing denial stubbornly persist, according to a new study released by the U.S. Department of Housing and Urban Development and the Urban Institute. The study, Housing Discrimination Against Racial and Ethnic Minorities 2012, finds African-Americans, Hispanics, and Asians learn about fewer housing options than equally qualified whites.
According to the study, real estate agents and rental housing providers recommend and show fewer available homes and apartments to minority families, thereby increasing their costs and restricting their housing options. The study concludes this is a national, not a regional, phenomenon.
Key findings of the report include:
According to the study, real estate agents and rental housing providers recommend and show fewer available homes and apartments to minority families, thereby increasing their costs and restricting their housing options. The study concludes this is a national, not a regional, phenomenon.
Key findings of the report include:
- African American renters who contact real estate agents about recently advertised housing units learn about 11 percent fewer available units and are shown roughly 4 percent fewer units.
- Asian renters learn about 10 percent fewer available units and are shown nearly 7 percent fewer units.
- Hispanic renters learn about 12 percent fewer available homes and are shown nearly 19 percent fewer units.
- African American home buyers who contact real estate agents about recently advertised homes for sale learn about 17 percent fewer available homes and are shown about 18 percent fewer units.
- Asian home buyers learn about 15 percent fewer available homes and are shown nearly 19 percent fewer units.
Interest Rates Makes A Sharp Turn Upward
Interest rates were around the 3.5% mark at the beginning of this year; and now it is approximately 4%. Is it just fluctuating or is it a trend. It appears many economists are seeing a trend.
The increase in rates translates to approximately $1000/year increase in payments on a $250,000 loan. What this means for the homeowner is that it may be time to think about locking in your interest rates.
The increase in rates translates to approximately $1000/year increase in payments on a $250,000 loan. What this means for the homeowner is that it may be time to think about locking in your interest rates.
Wednesday, June 12, 2013
Relocating & Need A Realtor? Call Howard Curry 714-323-1233
At no cost to you, I can find you a Realtor to assist you when you relocate to San Diego, Northern California or almost anywhere in the U.S.
Century 21 is partnered with the largest relocation network in the U.S. & assists many Fortune 500 companies in relocation. Whether the agent works with Century 21, Coldwell-Banker, Sotheby's or another Realty firm, we will find you a premiere Realtor in your new city to work with you in your real estate needs. Yes, at no cost to you!
Call Howard Curry at 714-323-1233 for more information or visit http://chinohillsresidentialhomes.com/
Century 21 is partnered with the largest relocation network in the U.S. & assists many Fortune 500 companies in relocation. Whether the agent works with Century 21, Coldwell-Banker, Sotheby's or another Realty firm, we will find you a premiere Realtor in your new city to work with you in your real estate needs. Yes, at no cost to you!
Call Howard Curry at 714-323-1233 for more information or visit http://chinohillsresidentialhomes.com/
Tuesday, June 11, 2013
Thinking About Selling Your Home? I have Cash Buyers Looking For Homes in Chino Hills & Surrounding Commnities
If you are looking to sell your home in Chino Hills, Diamond Bar, Corona and surrounding communities, call Howard Curry at 714-323-1233 your Southern California premiere realtor at Century 21 Beachside Fine Home & Estates.
Monday, June 10, 2013
Closed Escrow Today in Chino Hills! Ready to Sell in the Inland Empire? Call Howard Curry
Closed escrow on my Chino HIlls listing today and in 30 days! I have cash & pre-approved buyers. If you want to close fast, call Howard Curry 714.323.1233 or visit http://chinohillsresidentialhomes.com/
Forces Driving Up Prices Are Temporary
Despite improvements in home values, Radar Logic continues to contend the factors underpinning the recovery will not lead to sustainable price gains.
In March, Radar Logic’s home price index, which tracks 25 metro areas, showed a 13.1 percent year-over-year gain.
Even with the double-digit gain, the data and analytics firm touched on several points to explain why the trend won’t last, with the main one being the temporary issue of limited supply.
To see the full article, go to http://www.dsnews.com/articles/index/report-forces-driving-up-prices-are-only-temporary-2013-06-03
In March, Radar Logic’s home price index, which tracks 25 metro areas, showed a 13.1 percent year-over-year gain.
Even with the double-digit gain, the data and analytics firm touched on several points to explain why the trend won’t last, with the main one being the temporary issue of limited supply.
To see the full article, go to http://www.dsnews.com/articles/index/report-forces-driving-up-prices-are-only-temporary-2013-06-03
Sunday, June 9, 2013
Asking Prices Accelerate in Least Affordable Housing Markets
Asking prices are rising at an especially fast pace in the least affordable housing markets, according to Trulia.
Nationally, asking prices increased 9.5 percent year-over-year in May, but in the ten least affordable metros, asking prices spiked 16.3 percent during the same time period.
Trulia also found out of the 100 largest metros, 98 saw asking prices increase over the last year.
Among the least affordable markets, seven were in California.
See the full article at http://www.dsnews.com/articles/trulia-asking-prices-accelerate-in-least-affordable-housing-markets-2013-06-07
Wednesday, June 5, 2013
Home Prices Soar to Largest Gain in 7 Years
This RealtorMag article highlights CoreLogic's latest data release citing national-level home price gain of 12.1% in April year-over-year. California saw the 2nd highest gain of all states with a 19.4% gain. See more in this link Home Prices Soar to Largest Gain in 7 Years
Sunday, June 2, 2013
California Market is Dominated By Cash Buyers
Did you know that approximately a third of all residential properties were purchased by cash buyers? In the current market with limited inventory, it is difficult for pre-approved buyers to compete and buy a home. To increase your chances, your down payment should be in the 30%+ range and be prepared to waive some some contingencies. Prices in the Chino Hills and Inland Empire are continuing to increase this increase this year. If want more information, or are ready to buy or sell your home, call Howard Curry your premiere Century 21 Beachside Realtor of choice at- 714-323-1233 or visit www.chinohillsresidentialhomes.com.
Saturday, June 1, 2013
Searching for Luxury Homes? Checkout my Website at www.chinohillsresidentialhomes.com
If you are looking to buy or sell your home in Chino Hills, Diamond Bar, Corona and surrounding communities, call Howard Curry at 714-323-1233 your Southern California premiere realtor at Century 21 Beachside Fine Home & Estates.
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