1. MORTGAGE MATTERS
Maria Kuczynski Gibson
Office: 949-223-0373
Fax: 949-660-4908
Cell: 714-624-6209
E-mail: mgibson@uamco.com
BRE LIC #01159092 NMLS #2385953
Maria Kuczynski Gibson’s
Who do you know who
• is looking to purchase or
sell a home?
• is interested in getting a
lower interest rate?
• is considering home im-
provements?
• needs help with debt
consolidation?
• hasn’t considered the
benefits of an equity line
of credit?
I’d love the opportunity to
help them.
As the winter thaw takes place,
the approaching spring will soon
warm things up and bring on hot
selling in the 2015 real estate market.
Based on a Time magazine article
that discusses the psychology of
homebuyers and sellers in most
American markets, the best time to
make an offer on a house is in the
spring. Folks with tax refund checks
in bank accounts have greater bank
balances. In fact, sales peak in the
spring, which explains why about
60% of those moving do so in the
summer months.
Employment rates reported the
week of February 6, 2015, show a
strong economy with solid job
creation. Expanding employment
allows people to set up their own
households, and changes in
employment and income also drive
existing households to move.
Jonathan Smoke, chief economist
at www.realtor.com, points to rising
household formation. The quarterly
report on residential vacancies and
homeownership from the U.S. Census
indicates that the number of house-
holds increased substantially in the
fourth quarter. The pace of increase
in the fourth quarter approached an
annualized rate of 2 million new
households–compare that with the
historical norm of 1.2 million new
households.
Better employment conditions,
higher consumer confidence, and
demand for housing will be strong this
spring, states Mr. Smoke. The key
questions will be if listing and new
construction will keep up. If not, we
may see greater home appreciation
than was initially anticipated.
Interested in buying? Please get
a pre-approval letter, (again not a pre-
qualification letter) so you can make a
sincere offer on a property. Have funds
sitting in your bank accounts and get
your 2014 taxes filed. All these things
will put you in the driver’s seat if there
are multiple offers made on a home.
Please give me a call to discuss your
housing plan.
Spring Thaw Moves Towards Heated Housing Sales
March, 2015 Issue

2. I Homebuyers are getting relief on their
mortgage fees. The Federal Housing
Administration (FHA) will significantly
reduce annual premiums from 1.35
percent to 0.85 percent. Lower premiums
will entice some buyers to take out
federally insured loans.
WashingtonPost.com
I The U.S. Budget deficit shrank to its
lowest level since 2007 in the past
fiscal year, as falling unemployment and
faster economic growth boosted revenue.
The U.S. Treasury posted a shortfall of
$483 billion for the fiscal year ending
September 30, 2014, compared with a
deficit of $680 billion a year earlier.
The New Yorker
I Kidzania is a theme park for children
wanting to play grownups. Youngsters
can work on a car assembly line, ring up
purchases behind a supermarket counter,
and peer inside a dummy’s mouth for
cavities. Kids earn salaries in “kidzos.”
Current theme parks are in Mexico City,
Kuala Lumpur, Mumbai and Istanbul.
Owners are in talks about opening as
many as 16 parks in various U.S. locations.
Businessweek.com
I The median income for young adults
today, when adjusted for inflation, is
$2,000 less than what their parents
earned in 1980. Though real wages have
grown by double digits in coastal cities
like Washington, San Francisco, and
New York over the past three decades,
young workers’ earnings have actually
declined over that time in 35 states.
NYMag.com
I California had its driest January since
record keeping began in 1849. January
is usually California’s wettest month, but
no measurable rain fell on many parts of
the state, including San Francisco.
The Wall Street Journal
Noted
A R T A N D A R C H I T E C T U R E
Frozen has taken the design world by storm. Interior designers who
decorate high-end bedrooms for wealthy clients are busy creating
castle-themed rooms. Evelyn M Designs, a full service interior design
company located in Long Island, NY, has received calls from overseas
requesting princess boudoirs. Evelyn's recent design was inspired by a
room in an Italian palace and built for her client’s daughter at a cost
of $100,000. The room consists of antique furniture, luxurious window
treatments, a Nepalese silk rug, and Audrey Hepburn artwork.
Riding Frozen's popularity, specialty furniture shops tout bedroom
furnishings such as $3,000 Cinderella lamps and $35,000 carriage-
shaped beds. For those not on a Marie Antoinette budget, Pottery Barn
Kids has introduced tufted headboards and tulle canopies. Target and
Walmart carry fairy tale-themed linens and plates. For the grown-up
princess that is to be married, designers are out with exquisite wedding
gowns and, of course, a complete ice table setting to be a must in many
a newlywed’s home.
Photo: Dorothy Hong Photography
You can’t escape
Disney’s film Frozen.
The Royal Treatment

3. Best Websites
Keep in mind, there isn't a substitute
for a professional appraisal
or a comparative market analysis,
but for a quick search you might try:
www.zillow.com
Zillow is famous for the "zestimate."
Type in your address and you can get a
good idea on what your home might sell
or rent for.
www.trulia.com
This is an excellent tool if you're house
hunting. It’s very helpful, whether you are
moving across town or across the country.
www.realtor.com
This is the official site of the National
Association of Realtors. Interested in selling
your home and want an informative report?
Visit this site for comparable sales.
This newsletter is published for home owners and real
estate investors. Please refer to my phone number for
my specific opinion on various topics and loan programs.
This information is provided for general use only and
should not be relied upon in making an investment, tax
or legal decision.
Bond Marketing ® 3/2015
I n s i g h t s
What’s your number?
How much do you need to retire comfortably? The conventional wisdom
is you should aim to have a nest egg of $1.5 million. Yet that depends
where you live.
For people approaching retirement, those figures might be a source of
panic, denial and dread. But a true retirement number is different for
everyone. While there is no magic amount, some questions you can ask
yourself are:
What will your living costs be?
The first step is to figure out how much you’re spending. Start by creating
a budget to track your expenses. A much touted rule of thumb says you’ll
need 70 to 80 percent of your pre-retirement income after you finish
working. Some financial planners are suggesting that might not be
enough–that you’ll need at least 100 percent of your pre-retirement income
each year for at least the first 10 years after you stop working.
Will your nest egg last as long as you will?
People are living a lot longer and that makes retirement planning more
challenging than ever. A healthy, upper middle-class couple who are 65
today have a 43 percent chance that one or both partners will live to see
95. Savings needs to be adjusted accordingly.
Will your saving generate enough cash?
There is no way of knowing what will happen to interest rates and inflation
in future years. But for a retiree to generate $40,000 a year after finishing
work, he or she will need savings of $1.18 million to support a 30-year
retirement.
What if you haven’t saved enough?
Get your nose to the grind stone. Save, save, save. If you have two cars,
go to one. Move. A couple who lived in New York retired to Myrtle Beach,
South Carolina. Their dollars bought them more of a home for less money,
and they pay a fraction of property taxes.
Retirement – How Much You’ll Need
$1,500,000? $2,000,000? $4,000,000?

4. Fannie Mae and Freddie Mac have expanded their guidelines allowing us to
help Homeowners that were previously unable to obtain a new home loan at
these historical low rates.
Please contact me if you were previously unable to get a new loan, or tell a
relative, co-worker, friend or neighbor to contact me and I will be happy to
see if I can help.
Thank you all for your continued business
and referrals.
Maria Kuczynski Gibson
Office: 949-223-0373
Fax: 949-660-4908
Cell: 714-624-6209
E-mail: mgibson@uamco.com
BRE LIC #01159092 NMLS #2385953
714-624-6209
19782 Mac Arthur Blvd. #250
Irvine, CA 92612
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Great news!