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Vivian L. Swiney
559-730-0300

DRE#01069364
Guarantee Real Estate DRE#00859360
Reedley, CA 93654

vivian@vivianls.com

Se Habla Espanol
Lupe Alvarez (559)318-0058
DRE#01506148

Se Habla Espanol
Gloria Banuelos (559)930-8449
DRE#01135306

Vivian Swiney reviews on Trulia
Vivian L Swiney on Zillow
Homes for Sale in Fresno, Madera, Tulare Counties and surrounding areas.

Vivian Swiney has lived in the Central Valley her whole life, and has a love for this area as well as the people that call it home.  She is very knowledgeable in the ever changing Real Estate market and constantly strives to provide the best service possible to her clients.  It is extremely important to her to be knowledgeable in her field, however, it is even more important to do the best possible job she can for her clients.  She truly takes the time to get to know them.  It is important to her to understand both their wants and their needs.  Bottom line is, this isn’t just Real Estate, this is finding that perfect place for you to call home.

For those of us that have grown up in the Central Valley, we have gotten used to two things; the agriculture all around us, and those foggy winter days where the fog never lifts.  The fog was in the air as Vivian, age 7, was getting off the school bus one winter day running home to warm up and have a much needed snack.  Just as she was warming up, Vivian’s mother reminded her to hurry along with her snack and to change her clothes.  You see it was her job, along with her two sisters and one brother, to tie the vines on her grandparent’s family farm.  Grandma and Grandpa had 20 acres of Thompson grapes and it was the responsibility of Vivian and her siblings, along with Mom, to tie a row or two a day.  This is what was needed in order to accomplish this family project.  They chatted as they worked and the time flew by.

As Vivian grew, school, daily chores, and dinner around the family table were all priorities in her family, as was church on Sundays and Wednesdays.  She was being taught family values and that you help one another.  She was taught that not only do you help your own family, but other families who need you as well.

Once Vivian became a mother to her three daughters, she realized even more how important it was to instill these same values in her girls.  Her desire was to be home with them and teach them what she had been taught.  Family values were continued; daily chores, dinner around the table as a family, and church on Sundays and Wednesdays.  During this time, the girls all became very active in swimming.  It was one of Vivian’s passions as well.  Vivian coached swim, gave private lessons and attended all the swim meets.  Although she loved this, as the girls excelled in this sport and swim meets came into play, she realized that it was necessary to bring a bit more income into the home.

It seemed as though Real Estate was the perfect fit.  It gave Vivian the opportunity to work with families and help them find the home where they could start creating their own memories.  And so her new adventure began!

Vivian and her husband Leroy enjoy spending time with their children and grandchildren.  Get-always to the family cabin take her back to her childhood.  As a child she would spend summers with her family at the small log cabin built by her Grandpa.  These are precious memories for Vivian.  Although the family no longer has that special little log cabin, she and Leroy decided to purchase their own cabin to give their children and grandchildren these same precious memories and carry on the tradition started by her grandparents.

It’s been over 25 years now since Vivian started helping families find the homes of their dreams.  She has been blessed to help generation after generation accomplish their home ownership goals.  The core value of family is what makes Vivian so passionate about what she does.  Her knowledge and expertise is what makes her so valuable to have by your side no matter what your real estate needs are.  So sit down with her, have a cup of coffee and share your story.  You will soon see why she is “Your Family Realtor.”


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Real Estate News

Latest Realty News from NAR

REALTORS® Confidence Index Survey: April 2018 Highlights

The REALTORS® Confidence Index (RCI) survey[1] gathers monthly information from REALTORS® about local real estate market conditions, characteristics of buyers and sellers, and issues affecting homeownership and real estate transactions.[2] This report presents key results about market transactions from April 2018. View and download the full report here.

Market Conditions and Expectations

  • The REALTORS® Buyer Traffic Index registered at 74 (75 in April 2017).[3]
  • The REALTORS® Seller Traffic Index registered at 45 (46 in April 2017).
  • The REALTORS® Confidence Index—SixMonth Outlook Current Conditions registered at 74 for detached single-family, 63 for townhome, and 59 for condominium properties. An index above 50 indicates market conditions are expected to improve.
  • Properties were typically on the market for 26 days (29 days in April 2017).
  • Eighty-eight percent of respondents reported that home prices remained constant or rose in April 2018 compared to levels one year ago (82 percent in April 2017).

Characteristics of Buyers and Sellers

  • First-time buyers accounted for 33 percent of sales (34 percent in April 2017).
  • Vacation and investment buyers comprised 15 percent of sales (15 percent in April 2017).
  • Sales of distressed properties (foreclosed or sold as a short sale) accounted for four percent of sales (five percent in April 2017).
  • Cash sales made up 21 percent of sales (21 percent in April 2017).
  • Eighteen percent of sellers offered incentives such as paying for closing costs (eight percent), providing a warranty (seven percent), and undertaking remodeling (two percent).[4]

Issues Affecting Buyers and Sellers

  • From February–April 2018, 78 percent of contracts settled on time (72 percent in April 2017).
  • Among sales that closed in April 2018, 75 percent had contract contingencies. The most common contingencies pertained to home inspection (55 percent), obtaining financing (44 percent), and getting an acceptable appraisal (41 percent).
  • REALTORS® report “low inventory”, “interest rates”, and “multiple offers” as the major issues affecting transactions in April 2018.

About the RCI Survey

  • The RCI Survey gathers information from REALTORS® about local market conditions based on their client interactions and the characteristics of their most recent sales for the month.
  • The April 2018 survey was sent to 50,000 REALTORS® who were selected from NAR’s 1.3 million members through simple random sampling and to 7,082 respondents in the previous three surveys who provided their email addresses.
  • There were 4,555 respondents to the online survey which ran from May 1-9, 2018. The survey’s overall margin of error at the 95 percent confidence level is one percent. The margins of error for subgroups and sample proportions of below or above 50 percent are larger.
  • NAR weighs the responses by a factor that aligns the sample distribution of responses to the distribution of NAR membership.

The REALTORS® Confidence Index is provided by NAR solely for use as a reference. Resale of any part of this data is prohibited without NAR’s prior written consent. For questions on this report or to purchase the RCI series, please email: Data@realtors.org


[1] Thanks to George Ratiu, Managing Director, Housing and Commercial Research and Gay Cororaton, Research Economist for their data analysis and comments to the RCI Report.

[2] Respondents report on the most recent characteristics of their most recent sale for the month.

[3] An index greater than 50 means more respondents reported conditions as “strong” compared to one year ago than “weak.” An index of 50 indicates a balance of respondents

who viewed conditions as “strong” or “weak.”

[4] The difference in the sum of percentages to the total percentage of sellers who offered incentives is due to rounding.

March 2018 Housing Affordability Index

At the national level, housing affordability is down from last month and down from a year ago. Mortgage rates rose to 4.42 percent this March, up 8.2 percent compared to 4.28 percent a year ago.

  • Housing affordability declined from a year ago in March moving the index down 7.0 percent from 150.4 to 161.7. The median sales price for a single family home sold in March in the US was $252,111 up 5.9 percent from a year ago.
  • Nationally, mortgage rates were up 35 basis point from one year ago (one percentage point equals 100 basis points), while median family incomes rose 2.7 percent.

  • Regionally, the West recorded the biggest increase in price at 8.5 percent. The South had an increase of 6.0 percent while the Midwest had a gain of 5.1 percent. The Northeast had the smallest incline in price of 3.5 percent.
  • Regionally, all four regions saw a decline in affordability from a year ago. The West had the biggest drop in affordability of 9.2 percent. The South had a decline of 7.3 percent followed by the Midwest with a drop of 5.7 percent. The Northeast had the smallest drop of 2.7 percent.
  • On a monthly basis, affordability is down from last month in all four regions. The West had a decline of 4.7 percent followed by the Northeast with a dip of 5.6 percent. The South had a drop of 5.9 percent followed by the Midwest, which had the biggest; dip in affordability of 8.6 percent.
  • Despite month-to-month changes, the most affordable region was the Midwest, with an index value of 194.7. The least affordable region remained the West where the index was 105.6. For comparison, the index was 151.8 in the South, and 163.5 in the Northeast.

  • Mortgage applications are currently down 2.5 percent. Mortgage credit availability in April was flat. Rates are rising which will increase-housing costs. Home prices are up 5.9 percent while median family incomes are only growing 2.7 percent. Inventory gains will help ease the pressure on home prices.
  • What does housing affordability look like in your market? View the full data release here.
  • The Housing Affordability Index calculation assumes a 20 percent down payment and a 25 percent qualifying ratio (principal and interest payment to income). See further details on the methodology and assumptions behind the calculation here.

More Properties Were Sold at or Above the List Price in March 2018

In a monthly survey of REALTORS®, the survey asks, “Compared to the original listing price, at how much of a net discount or net premium did the property sell?”

According to a survey of REALTORS® who responded to the March 2018 REALTORS® Confidence Index Survey, 37 percent of properties that closed in February 2018 sold at or above the list price. One year ago, 35 percent sold at or above the list price, and during the months of January in 2012 through 2015, about one in four sold at or above the list price. Buyer demand continues to outpace supply of homes being listed for sale in the market, sustaining the upward pressure on home prices.

According to respondents who reported closing a sale, 17 percent of properties sold at a net premium in March 2018, an increase from the nine percent share in 2014 and 2015. Of properties that sold at a premium, 87 percent sold at 101 to 110 percent of the list price, seven percent were sold at a premium of 11 to 20 percent, and five percent were sold at more than 20 percent premium.

The price distribution continues to skew to the right. In 2012, 34 percent of properties were typically listed at $150,000 in 2012, but as of March 2018, only 22 percent of properties listed were typically at this price level.[1]

Use the data visualization below to view the median listing price of properties listed on Realtor.com in March 2018. Red areas are areas where the listing price is higher than the U.S. median sales price of all existing homes sold in March 2018, at $250,400. Hover on the map to see the distribution of listing prices from June 2012 through March 2018 on Realtor.com data.

 

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[1] To access Realtor.com data, go to https://www.realtor.com/research/data/.

 

 

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Testimonials

"Vivian's sales experience made us feel comfortable and confident. Vivian did a great job. She gave us ideas about how to make the house marketable. Great job Vivian!". Stan & Darlene Huebert
"Vivian is the best, always goes above and beyond". Peter Estes
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