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Real Estate Market Report/Conditions in Kitsap County WA for 10/07/2008

The following is a brief analysis of the combined single-family home and condo market within Kitsap County, Washington for October 2008, provided by Rich Jacobson of Realty Executives Brio, in Silverdale, WA (this includes data for Bainbridge Island WA)

  • Properties currently active on the market:  2599
  • Properties closed in the last 180 days:  1386
  • Average Sales Price:  $327,432
  • Average List Price:  $338,006
  • Ratio of List Price to Sales Price:  94%
  • Average Days on Market:  101
  • Sales Pending this Week:  13

crabbing-on-Hood-Canal-WA

Current Market Conditions: Area 150 (East Central Kitsap) and Area 166 (Poulsbo) share the highest ratio of List Price vs. Sale Price with 99%.  The lowest ratio was 93% for Area 161 (Hansville). Shortest Days on Market (DOM) was Area 149 (East Bremerton) at 74, and Area 166 (Poulsbo) coming in 2nd with 79. Longest DOM goes to Area 168 (Indianola) with 150, followed by Area 167 (Suquamish) at 126.

 

 

 

 

Bainbridge Island Stats separately: (Area 170)

  • Properties currently Active on the market:  367
  • Properties closed in last 180 days:  137
  • Average Sales Price:  $697,159
  • Average List Price:  $738,505
  • Ratio of List Price to Sales Price:  94%
  • Average Days on Market:  105
  • Sales Pending this week:  0

According to a recent Kitsap Sun news article, home prices have dropped by 18% when compared to this time last year. However, pending sales experienced a very sharp 31% increase in the month of September, but don’t expect that to be as robust as we head into the Winter months.

For Buyers: While current market conditions obviously favor Buyers, obtaining loan approval can have its challenges. Meet with an experienced local Loan Officer first, to verify that buying a home is within your budget, and ensure that you qualify.

For Sellers: Sellers must be prepared to ‘pull out all the stops’ to be successful in selling their homes. You must be priced aggressively and prepare the house to show well. Consider incentives, like a Buyers Home Warranty plan. Consult with your Listing Agent to determine ways to make your home stand out from the crowd.

For more additional information and resources concerning real estate in Kitsap County WA and the Western Puget Sound, access my website, Kitsap Life.

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Interest Rates Forecast

September 24, 2008 at 5:44 am · Filed under Finance

The banking system in the USA is in crisis. The Fed keeps lowering Federal interest rates, but mortgage interest rate predictions are still going up - how can this happen? And what might it mean for home owners today?

mortgage interest rate forecast

The relationship home owners need to grasp to understand interest rate predictions is the interplay between interest rates set by the Fed and mortgage interest rates charged by mortgage lenders.

Interest rates that are set by the Fed flow into the cost of funds to mortgage lenders. Banks and other lenders don’t possess all the funds they lend out when a mortgage is written - they borrow on the wholesale market 90% or more of what they lend out to home owners, at interest rates lower than the mortgage rates they charge home owners for their mortgages.

Banks make their profits from the difference between what they pay when they borrow money, and what they charge when they lend it out.

When the Federal Reserve lowers interest rates, it lowers the borrowing costs for financial institutions, so you would think that mortgage interest rate predictions would fall. However, financial institutions may choose not to pass on the savings to mortgage holders.

The reason for this is not greed - there is adequate competition in the mortgage lending market to ensure that no bank or other lender can profit unfairly. The real motivation is that being a bank that lends for mortgages just became a whole lot more risky, and risk tends to make banks raise interest rates.

Financial institutions are everyone more interest to compensate for their losses on the few who will miss payments on their mortgages.Until the current housing market settles, risks for lenders will remain elevated, and mortgage rates forecast will continue to be high.

The Fed can’t lower interest rates indefinitely. The actual interest rate (called the “nominal” rate) includes inflation. To find the “real” interest rate, you need to subtract the inflation rate from the nominal interest rate.

Today, when you do that, you get a negative number! This means that nominal interest rates are not even high enough to keep up with inflation.

Clearly, this is a situation that cannot continue for long. Sooner or later, probably sooner, the Fed will have to raise interest rates to at least break-even levels, matching the rate of inflation. As soon as it happens, the prime interest rate rise will flow through into mortgage interest rates. The only way is up for the mortgage interest rate forecast.

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Local Fishing and Boating Enthusiasts breathed a collective sigh of relief recently as the announcement was made that the seemingly ill-fated Olympic View Marina Project was revived from it’s death throes. According to reports in the Kitsap Sun, The WA State Department of Ecology formally approved the permit which allows the long-delayed demolition and construction work to finally commence.

However, the ultimate extent and scope of the project is still in question, pending a required amendment to the Kitsap County’s shorelines plan.

Evidently, back in 1976, for reasons no one seems to know, the surrounding shorelines were designated a ‘conservancy,’ and as such, prevents any expansion beyond the existing borders of the previous marina. The current development calls for a larger marina footprint and a much needed breakwater.

Fortunately, wiser and cooler heads at the Dept. of Ecology have prevailed. As quoted in the Kitsap Sun, Jeannie Summerhays, Director the the NW Region, stated, “Ecology has seen the benefits of this project from the time we first become aware of it. We thought a solution was possible, and I am pleased to we have arrived at one.”

When questioned about the pending amendment, Geoff Tallent, Manager of Ecology’s Regional Shorelines Section said, “We think an amendment makes sense and is consistent with the goals of the state Shoreline Management Act.”

To read the full story, go HERE.

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This coming Friday could be Doomsday for the long awaited and much-anticipated Olympic View Marina Project out in Seabeck.
How this has remained under my radar, I have no idea. Tonight, while taking a walk with my wife, I ran across fellow RE agent, Nick Blickhan (Nick and I had worked together at the Windermere office [...]

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The men’s slow pitch softball team from New Life Church here in Kitsap County WA has received the prestigious #1 ranking by the USSSA (United States Specialty Sports Association). Here’s a snapshot of the Top Ten team rankings:

(For a complete list of the team rankings, GO HERE)
Our family knows several of the team players, like [...]

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