Carmel-by-the-Sea

Home Loans

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Carmel-by-the-Sea Home Loans.

Whether you are a first time home buyer or trading up to a larger home in Carmel-by-the-Sea, we work to find the best home loan solution for you. Constantly surveying the hundreds of mortgage lenders as well as anonymously testing their staff, we are always aware of the conditions of the home loan market as well as the lenders involved in it.

Best Lender For Carmel-by-the-Sea Home Loans

Unfortunately, the subprime mortgage crisis has caused dramatic changes in the lending climate. Many lending institutions have suffered tremendous losses and as a result have tightened their lending standards drastically. Whereas it used to be very, very easy to meet the requirements in order to get approved, it is now much more difficult with most lenders. When searching for a mortgage lender in Carmel-by-the-Sea, it is important to find one that not only offers the lowest rates, but also has not tightened lending standards to the point that only a tiny percentage of applicants will qualify.

Carmel-by-the-Sea California Overview & Statistics

Carmel-by-the-Sea Overview

As of 2007, Carmel Valley Village's population is 4,387 people. Since 2000, it has had a population growth of -6.66 percent.

The median home cost in Carmel Valley Village is $1,469,000. Home appreciation the last year has been -8.13 percent.

Compared to the rest of the country, Carmel Valley Village's cost of living is 135.27% Higher than the U.S. average.

Carmel Valley Village public schools spend $5,771 per student. The average school expenditure in the U.S. is $6,058. There are about 20 students per teacher in Carmel Valley Village.

The unemployment rate in Carmel Valley Village is 5.80 percent(U.S. avg. is 4.60%). Recent job growth is Positive. Carmel Valley Village jobs have Increased by 1.93 percent.

Carmel-by-the-Sea Climate

Carmel Valley Village, CA, gets 17 inches of rain per year. The US average is 37. Snowfall is 0 inches. The average US city gets 25 inches of snow per year. The number of days with any measurable precipitation is 60.

On average, there are 265 sunny days per year in Carmel Valley Village, CA. The July high is around 78 degrees. The January low is 39. Our comfort index, which is based on humidity during the hot months, is a 80 out of 100, where higher is more comfortable. The US average on the comfort index is 44.

Carmel-by-the-Sea Housing

The median home value in Carmel Valley Village, CA, is $1,469,000. Home appreciation is -8.13% over the last year. The median age of Carmel Valley Village, CA, real estate is 38 years.

Carmel Valley Village, CA Apartments and Rentals

Renters make up 26.94% of the Carmel Valley Village, CA, population. 6.49% of houses and apartments in Carmel Valley Village, CA, are unoccupied (vacancy rate).

Carmel-by-the-Sea Crime

Carmel Valley Village, CA, violent crime, on a scale from 1 (low crime) to 10, is 4. Violent crime is composed of four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. The US average is 3.

Carmel Valley Village, CA, property crime, on a scale from 1 (low) to 10, is 5. Property crime includes the offenses of burglary, larceny-theft, motor vehicle theft, and arson. The object of the theft-type offenses is the taking of money or property, but there is no force or threat of force against the victims. The US average is 3.

For related resources see also:

www.ci.carmel.ca.us

Carmel-by-the-Sea Real Estate Agents

California First Time Home Buyers Grants

California First Time Home Buyer Programs

California Home Mortgage Loans