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PGA West

by The Zwemmer Group

Palm Springs Thanksgiving Wishes...11/27/2008

by The Zwemmer Group

Good morning,

As we celebrating Thanksgiving today , we wanted to take a moment and reflect on all the things we're grateful for.  In these times of uncertainty, it seems easy to get caught up in the here and now rather than the big picture.  

Be Thankful

Be thankful that you don't already have everything you desire.
If you did, what would there be to look forward to?

Be thankful when you don't know something,
for it gives you the opportunity to learn.

Be thankful for the difficult times.
During those times you grow.

Be thankful for your limitations,
because they give you opportunities for improvement.

Be thankful for each new challenge,
because it will build your strength and character.

Be thankful for your mistakes.
They will teach you valuable lessons.

Be thankful when you're tired and weary,
because it means you've made a difference.

It's easy to be thankful for the good things.
A life of rich fulfilment comes to those who
are also thankful for the setbacks.

Gratitude can turn a negative into a positive.
Find a way to be thankful for your troubles,
and they can become your blessings.
~~ Author Unknown ~~

 Wishing you all a happy, healthy and safe Thanksgiving Holiday-

All the Best


Rob Zwemmer

Palm Springs, Palm Desert, Rancho Mirage, Cathedral City, La Quinta, Indian Wells, Indio,  Desert Real Estate


Monday Morning Palm Springs Real Estate Market Update 11/24/2008

by The Zwemmer Group


Good Monday morning

This week is already Thanksgiving! I can’t believe it.  Time is really flying here in the Palm Springs - La Quinta Area!
Thanksgiving is a time to spend with family and friends,celebrate and honor those who gave us this great country.

I wanted to say thank you for all of your support and I know 2009 is going to be even better! 
Thanks for your business! 
I’m never too busy for any of your referrals!

To have direct access to our properties:

If you are considering the sale of your home you can receive an e-mail analysis that will
give you a good indication of your homes current market value at

Mortgage Market update!

Remember FHA Guidelines are changing as of January 1, 2009 to a minimum down payment of 3.50%.

Fed Reserve member Jeffrey Lacker said that an economic recovery could begin in 2009 as low
interest rates, low energy prices, and less drag from the housing sector may shore up spending.
This is somewhat comforting news amidst all the negative news in recent economic reports and
the media.

E-mail me with any questions you might have

1 Canadian Dollar = 0.79270  U.S. dollars (Today)
1 Canadian Dollar = 0.82193  U.S. dollars  (Last Week)

Have a Great Thanksgiving Week!

Rob Zwemmer

Palm Springs, Palm Desert, Rancho Mirage, Cathedral City, La Quinta, Indian Wells, Indio,  Desert Real Estate

Palm Springs INSPIRATION FOR TODAY: 11/24/2008

by The Zwemmer Group
"To affect the quality of the day, that is the highest of arts."
~ Henry David Thoreau

"To be happy at home is the ultimate result of all ambition."
~ Samuel Johnson

"Before I built a wall I'd ask to know What I was walling in or walling out."
~ Robert Frost


To affect the quality of anything first requires action of some sort. Affecting is the opposite of passivity. In a passive state we can only BE affected, but we ourselves have no effect on our surroundings or other people. Hold that thought for a moment and consider next the result of your "affecting."

Ambition leads to action. Your ambition leads you to affect the quality of the day through some action. So what is the ultimate result of your ambition transformed into action? Johnson suggests it is "to be happy at home."

If, as Johnson recites, being "happy at home" is the ultimate result of your ambition, then why are you working so hard? Is there a way to avoid working evenings and weekends? Could you schedule your child's soccer game into the week's plans? Is that next appointment more important than celebrating life with your spouse at anniversary time?

One way to affect the quality of your day, which in turn may result in happiness at home, is to "build a wall," to paraphrase Frost. Keep in mind that walls may limit you if they are constructed of heavy gauge steel and mesh rimmed with concertina wire. Walls can also be formed as a low hedge or a split-rail fence - even more simply as a line in the sand. Rather than limiting us, they become a mere reminder of how far we are willing to go.

As we affect the quality of our life and push our ambition to the limit, we may also make choices about the boundaries of our lives. By choosing sound principles of living, for example, we may say "No" to friendships with those who operate outside our boundaries of accepted activities. We may decline meaningless activities, or the occasional committee appointment, which robs us of our valuable time.

In the end, WE are solely responsible for affecting the quality of our individual lives. We must choose wisely.

Palm Springs Monday Morning Real Estate Market Update 11/17/2008

by The Zwemmer Group

Good Monday morning

While the economic news is  negative, we continue to get great news out of the Real Estate market. Homes sales locally continued a strong showing as prices fall and rates are competitive. Sales in La Quinta jumped 42.6% in October compared to the year before.
                                                                                                                                                                          All across the desert first-time buyers and investors are tapping into some
hot deals... plus great Mortgage Loans are currently available as you will see
from the information provided below.

Remember, these are limited-time opportunities so don't let a golden one pass you by!

To have direct access to these properties:

If you are considering the sale of your home you can receive an e-mail analysis that will
give you a good indication of your homes current market value at

Mortgage Market update!

To continue with our theme for 2008 “Guideline Changes for the Mortgage Industry” we have another update! FHA loan limits will be decreasing to $355,350 for the County of Riverside for all loans that have an approval dated after Jan 1, 2009.
There will no longer be a classification of Jumbo Gov 30, just Gov 30.
Yesterday was the last day to lock loans Agency or FHA Jumbo between $417,000 to $500,000.

Conventional loans will also be lowering  their loan limits in Riverside County back to $417,000 down from $500,000. 

E-mail me with any questions you might have

1 Canadian Dollar = 0.82193   U.S. dollars (Today)
1 Canadian Dollar = 0.83946  U.S. dollars  (Last Week)


Have a Great Week!

Rob Zwemmer


by Rob Zwemmer

"Temperance in all things!"

~ Harry S. Truman

Extreme or Temperate?

You can see it on TV almost every day - extreme football, extreme wrestling, extreme police chases, extreme everything. The TV networks seem to be competing to capture our attention with one-upsmanship to the extreme.

If you're in your 20's to mid 30's, doing things to the extreme may be attractive to you. If you're 35-45, you may be starting to question whether it's necessary to carry things quite so far. If you're over 45, your age of wisdom may have set in - leading you in another direction - towards temperance. The good news is that it's beneficial at any age.

Recently on TV, there was an old interview with Harry Truman at the age of 77. The interviewer David Susskind asked, "To what do you attribute your energy and vitality at age 77?" Truman shot back with noticeable conviction, "Temperance in all things. I take plenty of rest, sleep well at night, and eat the right foods. That leaves me ready to face the challenges of being president."

What a simple word - "temperance." Webster defines it as "moderation in action or thought; restraint; marked by moderation, as in keeping within limits." It does not mean total abstinence or prohibition of action. It is merely a concept that takes into account reasonable, self-imposed limits.

Some see temperance as "clean living." By whatever name, it can bring peace, tranquility, good health, high self-esteem, satisfaction, and financial freedom. What are your self-imposed limits?

Palm Springs Monday Morning Real Estate Market Update 11/10/2008

by The Zwemmer Group



Good Monday morning

I spent the last week at a national Real Estate convention.  The majority of the talk was involved in what is taking place with the Real Estate market.
I can tell you in confidence that after talking to other agents from almost every market in this country, the Palm Springs area has clearly maintained a much healthier market.  The one thing that I can see from this is that even though we saw home prices rising in our area, we did not see the kind of housing inflation that many parts of the country saw.  Our ride down may be much more gentle as a result.  Time will tell the story here.

To have direct access to these properties:

If you are considering the sale of your home you can receive an e-mail analysis that will
give you a good indication of your homes current market value at

Mortgage Market update!

The Labor Department's Jobs Report came in much worse than analysts expected, with 240,000 jobs lost in October. In addition, the Unemployment Rate jumped to its highest level since 1994. In market news, Stocks are coming off their worst back-to-back days since the 1987 Stock Market crash.  Although Stocks opened higher this morning, they could be in for more of a decline as today's poor Jobs Report sinks in.  This could create selling pressure on Stocks, which may help bonds improve.

On a positive note the Canadian dollar is still on 28-year high  and continue to improve from week to week after his fall a few weeks ago.
This confirms my forecast that the C-Dollar will improve his purchasing power over the next few weeks.

1 Canadian Dollar = 0.85579  U.S. dollars (Today)
1 Canadian Dollar = 0.83946  U.S. dollars  (Last Week)


Have a Great Week!

Rob Zwemmer


by The Zwemmer Group



"Begin to be now what you will be hereafter."

~ St. Jerome


Regardless of who you have been in the past - why not give yourself a "present"? Each of us experiences regret from time to time over what we have done - or left undone - in the past. Perhaps our transgressions were great - or just seemed so in our heart.

To become a different person in the future, St. Jerome suggests that you must "begin to be" that person now. If your career is overwhelming you, begging to be tamed, begin now to untangle it. Begin today to simplify your activities.

If you would like to be more caring, begin today by complimenting someone. Want to be more understanding? Listen carefully to one you love - today. Want greater financial independence? Analyze your income and your expenses, then earn more and live on less - beginning today.

Nothing happens until you "begin to be." Interestingly, however, the moment you BEGIN, you actually ARE the person you desire to be, provided you continue to be. The moment you change anything in your life, the past is over, forever.

Want a new beginning in your life? Don't wait for some earth-shattering, life-changing event to get your attention. Get started today!


Palm Springs Monday Morning Real Estate Market Update 11/02/2008

by The Zwemmer Group

Good Monday morning

Again a week filled with sports, politics and Real Estate.
I would like to start off with announcing that immigrating from The Netherlands  after 8 great years ago, I finally became a United States Citizen.
I could not be more proud to be part of this country. After sworn in last week I was able to vote for the first time of my life..
So, please go out there and do what I did and VOTE!

We also had some positive news from Canada, after a steep drop of the Canadian dollar last week,
it started making it’s comeback by the second part of the week.
We are expecting the dollar to rise even more by the beginning of this week and start stabilizing by next week until January.

With that said the month of November is also the start of the season here in the desert.
Snowbirds are returning, the golf communities are opening their freshly seeded courses and
 the temperatures have dropped into the eighty’s. This also means  more housing inventory to choose from.

To have direct access to these properties:

If you are considering the sale of your home you can receive an e-mail analysis that will
give you a good indication of your homes current market value at

Mortgage Market update!

A quick update on loan programs.  See the flyers attached. Rate Sheet Update Attached. Please call with questions.

Agency Jumbo Loans : Loans that are between $417k -500k... your clients have 2 weeks to lock their loans in to get
 the benefit of conforming jumbo pricing which have lower interest rates than loan amount over $500,000.
An agency jumbo loan was part of the economic stimulus program rolled out by the Government in February 2008
and is set to expire at the beginning of 2009.  Loans must be locked by November 13th and closed by year end.

Cal- HFA (Chaffa) still allows 100 percent financing with a 680 fico or better if you meet the low income requirements.

Calsters - teacher program.  3% down 80% 1st and 17% 2nd with no mortgage insurance and payments are deferred on the 2nd mortgage for 5 years
FHA is still my favorite program because it has no income or property eligibility restrictions and is the most lenient for underwriting guidelines. 
Current down is 3%; however it will change January 1, 2009 to 3.5%.

Canadian/ Foreign Nationals: 30% down with a minimum loan amount of $200,000.  Full Documentation with an International
Credit Report and reserves with the servicing bank.



30 yr fixed mtg 6.41% 6.08%
15 yr fixed mtg 6.06% 5.71%
5/1 ARM 6.09% 6.01%
30 yr fixed jumbo mtg 7.63% 7.52%
5/1 jumbo ARM 6.27% 6.23%

1 Canadian Dollar = 0.83946   U.S. dollars (Today)
1 Canadian Dollar = 0.74531  U.S. dollars  (Last Week)


Have a Great Week!

Rob Zwemmer


by The Zwemmer Group


"Just because you're the lone voice in the wilderness,
it doesn't mean you're wrong."

~ Ghandi


Remember this tune from the protest era? "One is the loneliest number that you'll ever do." The poignant lyrics call attention to the reality that being alone, being a group of one, can be a very lonely, uncomfortable, and sometimes challenging situation.

When it comes to the important issues in your life, it's much more comforting to know that others are standing with you. You stand up for a student issue at a PTO meeting, and others stand with you. You call attention to a social injustice, and are backed by a majority of the members in your organization. Together, the group gives strength and credibility to the views of its leader.

What, then, if the leader and followers are a group of just one? What value is there in taking a position with no one to back you up? What's more, acting alone often stimulates inner questioning, self-doubt, and ultimately self-defeat.

So, where do you stand when it comes to defending your own principles of living? When you witness cheating, dishonesty, or unfair criticism of others, do you stand up as a group of one when no one else cares to stand with you? Do you then feel like the "lone voice in the wilderness?"

Our world has few leaders and many followers. The stand you take alone may provide the inspiration needed by followers who agree, but who do not have the ability to speak out on their own. As Ghandi counseled, just because you're "the lone voice . . . doesn't mean you're wrong."

Displaying blog entries 1-10 of 10