tag:blogger.com,1999:blog-83336306858507284572024-03-13T23:16:32.747-04:00Tega Cay, SCEDI Real Estate would like to earn your business. We can show you any home you find for sale, including For Sale By Owner and New Construction. If you are relocating, let us help with your referrals and marketing your home. View local school stats and area crime and population on our website.
704-319-9069(NC) / 803-396-1423(SC)
www.EDIRealEstate.comTega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.comBlogger54125tag:blogger.com,1999:blog-8333630685850728457.post-80345518390884375752010-03-31T13:49:00.002-04:002010-03-31T14:08:15.486-04:00Sold - 1125 Molokai in Tega Cay<script type="text/javascript">
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<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/_O4lGl9dd1b0/S7OK_LI_rsI/AAAAAAAAACo/SLhlr5up1iw/s1600/Molokai.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" nt="true" src="http://1.bp.blogspot.com/_O4lGl9dd1b0/S7OK_LI_rsI/AAAAAAAAACo/SLhlr5up1iw/s320/Molokai.jpg" /></a></div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/_O4lGl9dd1b0/S7OLZBL8KyI/AAAAAAAAACw/mv5USio4Ao0/s1600/New+1125+Molokai+014.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" nt="true" src="http://2.bp.blogspot.com/_O4lGl9dd1b0/S7OLZBL8KyI/AAAAAAAAACw/mv5USio4Ao0/s320/New+1125+Molokai+014.jpg" /></a></div><br />
WE CAN SHOW YOU ANY PROPERTY YOU FIND FOR SALE, NOT JUST PROPERTIES WITH OUR TRUSTED SIGN...Doug Collins, Broker-In-Charge, www.EDIRealEstate.com North/South Carolina (704-319-9069 / 803-396-1423)Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-34807018340554110882010-03-25T19:17:00.000-04:002010-03-25T19:17:24.820-04:00Housing Activity on the Rise - Good News for All<script type="text/javascript">
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<div style="text-align: justify;">Home Buying and Selling is on the move. Although homes are still typically staying on the market much longer than this area is used to in the past, in the last few weeks, properties are pending and buyers are shopping! Busy is good!</div><br />
WE CAN SHOW YOU ANY PROPERTY YOU FIND FOR SALE, NOT JUST PROPERTIES WITH OUR TRUSTED SIGN...Doug Collins, Broker-In-Charge, www.EDIRealEstate.com North/South Carolina (704-319-9069 / 803-396-1423)Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-69917133016075774612010-03-25T19:15:00.001-04:002010-03-25T19:15:30.957-04:00Waiting to See what happens to PTL Towers<script type="text/javascript">
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<div style="text-align: justify;">MorningStar planned a 174 to 220 unit retirement center. The group has begun to collect $1,000.00 to hold units. Banks are not issuing letters of credit to begin until York County issues permits for the work. We'll keep watching this project. Could be a good thing for retirement in Fort Mill.</div><br />
WE CAN SHOW YOU ANY PROPERTY YOU FIND FOR SALE, NOT JUST PROPERTIES WITH OUR TRUSTED SIGN...Doug Collins, Broker-In-Charge, www.EDIRealEstate.com North/South Carolina (704-319-9069 / 803-396-1423)Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-61030986985675902902010-03-08T17:03:00.001-05:002010-03-08T17:03:33.033-05:00From A Lender in the Business<script type="text/javascript">
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<div style="text-align: justify;"><span style="color: #20124d; font-family: Arial, Helvetica, sans-serif; font-size: large;"><strong>Charlotte’s the second best place in the country to buy a home, according to Forbes. The magazine ranked Charlotte #2 based on quality of life, job stability and predictions home prices here will rise.</strong></span> </div><br />
WE CAN SHOW YOU ANY PROPERTY YOU FIND FOR SALE, NOT JUST PROPERTIES WITH OUR TRUSTED SIGN...Doug Collins, Broker-In-Charge, www.EDIRealEstate.com North/South Carolina (704-319-9069 / 803-396-1423)Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-72955016031352615492010-03-07T15:04:00.000-05:002010-03-07T15:04:43.706-05:00New Farmers Market may be coming to Uptown Charlotte<script type="text/javascript">
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Cheryl Myers, Center City Partners senior vice president for planning and development, says the market would be an ideal draw for tourists! BLTs for ALL! The sites being considered are:<br />
Daniel Levines' 20 acre First Ward<br />
Charlotte Transportation Center on Trade Street<br />
Brevard Street, near the bus hub<br />
A parcel near the proposed baseball stadium property in Third Ward<br />
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Isn't is nice to be SO CLOSE to Charlotte here in Tega Cay!!! <br />
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WE CAN SHOW YOU ANY PROPERTY YOU FIND FOR SALE, NOT JUST PROPERTIES WITH OUR TRUSTED SIGN...Doug Collins, Broker-In-Charge, www.EDIRealEstate.com North/South Carolina (704-319-9069 / 803-396-1423)Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-28296648089879294482010-03-07T14:59:00.000-05:002010-03-07T14:59:07.229-05:00TRY THIS FOR JOBS: TweetMyJobs.com<script type="text/javascript">
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What works? Try this? <a href="http://www.tweetmyjobs.com/">http://www.tweetmyjobs.com/</a> <br />
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WE CAN SHOW YOU ANY PROPERTY YOU FIND FOR SALE, NOT JUST PROPERTIES WITH OUR TRUSTED SIGN...Doug Collins, Broker-In-Charge, www.EDIRealEstate.com North/South Carolina (704-319-9069 / 803-396-1423)Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-3844459946082606672010-03-07T14:56:00.000-05:002010-03-07T14:56:57.027-05:00Clear Springs BACK TO DEVELOPMENT<script type="text/javascript">
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Like Baxter, small town feel, ready to go, FIRST PHASE!<br />
<div style="text-align: justify;">A mixed use development is moving forward, the first like this since the economy and the real estate market went south. According to the Business Journal, construction should move forward this fall in Fort Mill toward a 300,000 square foot Springfield Town Center. The completed retail and office components would likely be valued at $45 million. It will have a similar look and feel as the Baxter Town Center. Why quit when the formula works! </div><br />
WE CAN SHOW YOU ANY PROPERTY YOU FIND FOR SALE, NOT JUST PROPERTIES WITH OUR TRUSTED SIGN...Doug Collins, Broker-In-Charge, www.EDIRealEstate.com North/South Carolina (704-319-9069 / 803-396-1423)Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-72517936964095961732010-03-03T13:35:00.000-05:002010-03-03T13:35:32.394-05:00What Type is Your Home?<script type="text/javascript">
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My home is "unique"<br />
My home is "my haven"<br />
My home makes a "statement"<br />
My home is "carefree"<br />
<br />
From a recent article from the National Association of Realtors, a woman's perspective can be the deciding factor, in the purchase of 91 percent of ALL homes. What does YOUR HOME SAY?<br />
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WE CAN SHOW YOU ANY PROPERTY YOU FIND FOR SALE, NOT JUST PROPERTIES WITH OUR TRUSTED SIGN...Doug Collins, Broker-In-Charge, www.EDIRealEstate.com North/South Carolina (704-319-9069 / 803-396-1423)Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-18163555922625728922010-02-18T12:59:00.000-05:002010-02-18T12:59:27.196-05:00Average Home Sales Price Chart<script type="text/javascript">
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Click on Picture to Enlarge<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/_O4lGl9dd1b0/S31_8SG5xFI/AAAAAAAAACY/v0Ubs573DWg/s1600-h/Average+Sales+Price+from+Dec+2008+to+Dec+2009.bmp" imageanchor="1" style="clear: left; cssfloat: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" ct="true" height="292" src="http://2.bp.blogspot.com/_O4lGl9dd1b0/S31_8SG5xFI/AAAAAAAAACY/v0Ubs573DWg/s400/Average+Sales+Price+from+Dec+2008+to+Dec+2009.bmp" width="400" /></a></div><br />
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WE CAN SHOW YOU ANY PROPERTY YOU FIND FOR SALE, NOT JUST PROPERTIES WITH OUR TRUSTED SIGN...Doug Collins, Broker-In-Charge, www.EDIRealEstate.com North/South Carolina (704-319-9069 / 803-396-1423)Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-17673051440416741512010-02-18T12:42:00.001-05:002010-02-18T12:42:56.069-05:00Median Close $193,000<script type="text/javascript">
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<span style="color: red; font-size: large;">York County Closings from December 6, 2009 to January 5, 2010</span><br />
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<span style="color: red; font-size: large;">Units, Volume, Closed Average Price, Median</span><br />
<span style="color: red; font-size: large;">127, $28,345,825, $223,195, $193,000</span><br />
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WE CAN SHOW YOU ANY PROPERTY YOU FIND FOR SALE, NOT JUST PROPERTIES WITH OUR TRUSTED SIGN...Doug Collins, Broker-In-Charge, <a href="http://www.edirealestate.com/">http://www.edirealestate.com/</a> North/South Carolina (704-319-9069 / 803-396-1423)Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-43634239247071337552010-02-16T13:47:00.000-05:002010-02-16T13:47:10.775-05:00Want to Go Green? Thought This Interesting from the Realtor AssociationThere is a variety of reasons to go green, but most come back to supply and demand. We have a limited amount of resources available and more and more people using them up. If we want our future generations to enjoy the same standard of living we've experienced, we need to take action. <br />
Green building is a great place to start, as buildings consume 14% of potable water, 40% of raw materials, and 39% of energy in the United States alone (according to the US Green Building Council). That's 15 trillion gallons of water and 3 billion tons of raw materials each year! If that's not enough to convince you, here are some other reasons to go green:<br />
<br />
For The Environment<br />
Want to make the world a better place? Implementing green practices into your home or office can help reduce waste, conserve natural resources, improve both air and water quality, and protect ecosystems and biodiversity.<br />
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For The Savings<br />
Want to make your dollar go further? Green systems and materials reduce energy consumption, which in turn reduce your energy bills. They also increase asset value and profits and decrease marketing time; making your dollar go further for longer.<br />
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For Your Health<br />
Want to live healthier? Green building isn't just good for the environment; it's also good for YOU. Sustainable design and technology enhance a resident's overall quality of life by improving air and water quality and reducing noise pollution. According to a 2006 study by the Center of the Built Environment, University of California, green office buildings improve productivity and employee satisfaction in the workplace.Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-69504471201716464862010-02-16T13:44:00.000-05:002010-02-16T13:44:31.547-05:00House Logic?<a href="http://www.houselogic.com/"><span style="font-size: x-large;">House Logic</span></a><br />
<span style="color: red; font-family: Arial, Helvetica, sans-serif; font-size: large;"><strong><em>Want to stay informed about how federal, and eventually state and local, actions could impact homes and communitites. Sign up and be equipped to join with REALTORS to make your voices heard.</em></strong></span>Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-82307519799809118552010-02-14T11:46:00.000-05:002010-02-14T11:46:17.134-05:00New Mayor in Tega Cay needs Time. Let's Hope Our Real Estate Market Is On the Way UP!<a href="http://www.fortmilltimes.com/187/story/994360.html">Tega Cay's new mayor George Sheppard confronts challenges - Click to real Full Story.</a>Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-91559607144233479252010-01-30T18:16:00.002-05:002010-01-30T18:20:45.307-05:00Business Journal - Report on Charlotte loses bid to join Supreme Court water fightLake Wylie, our water here in Tega Cay. Interesting article recently in the Business Journal.<br />
<br />
Susan Stabley, Sjstabley@bizjournals.com<br />
Portions of the Article.<br />
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South Carolina v. North Carolina is designated as case 138 Original; there have been only 137 other times a legal matter has gone straight to the high court. Usually a lawsuit is seen by the nine judges last, after working its way up from lower courts.<br />
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The inter-basin transfer or the IBT, removes water from one river basin into another. That's a problem for downstream communities and businesses - and states - because an IBT reduces the amount of water flowing in a river.<br />
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Energy companies and water utilities account for 92% of the water pulled from N.C. rivers. Of that, public-water supplies account for just a tenth of the demand. Charlotte pulls 53% of the water drawn by municipalities along the river. The demand for treated water grew to 110 million gallons per day in 2006 from 57 million gallons per day in 1987. The projected need by 2050 is 215 million gallons per day.<br />
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The city can still file a "friend of the court" brief to comment on issues in the federal case that it finds important. <br />
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"The city will work actively with the state to have our voice heard," says City Attorney Mac McCarley.Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-2635744982007008642010-01-20T21:42:00.001-05:002010-01-20T21:43:37.023-05:00Home Sales Rose 13.1% in 2009 from December, 2008 ClosingsThe average sale price was $211,705, up 5.7% from $200,226 a year ago.<br />
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The average listing price of houses sold last month was $239,062, up 10.4% from December, 2008.<br />
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The number of home closings in the Charlotte area fell 23.7% in December from the 2,000 recorded a month earlier. The average sale price rose 8.4% from the $195,244 average in November. <br />
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Either way, this is good news for the area.Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-86653759444254923192010-01-14T14:09:00.000-05:002010-01-14T14:09:59.558-05:00California posts nation's largest foreclosure total in 2009, from Business Journal Report<div style="text-align: justify;">About 4 million foreclosure filings -- default notices, scheduled foreclosure auctions and bank repossessions -- were reported on U.S. properties in 2009, according to RealtyTrac.<br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">That represents a 21 percent increase in total properties from 2008 and a 120 percent increase in total properties from 2007, RealtyTrac reported. One in 45, or 2.21 percent of all U.S. housing units, received at least one foreclosure filing during the year, up from 1.84 percent in 2008, 1.03 percent in 2007 and 0.58 percent in 2006.<br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Foreclosure filings were reported on 349,519 U.S. properties in December, a 14 percent jump from the previous month and a 15 percent increase from December 2008, when a similar monthly jump in foreclosure activity occurred.<br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Despite the increase in December, foreclosure activity in the fourth quarter decreased 7 percent from the third quarter, although it was still up 18 percent from the fourth quarter of 2008<br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Four states accounted for more than 50 percent of the nation’s 2009 total, with more than 1.4 million properties receiving a foreclosure filing in California, Florida, Arizona and Illinois combined.<br />
</div>Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-31784180824351929212010-01-11T19:10:00.001-05:002010-01-11T19:11:26.132-05:00Where do you get the most for your money? Home Additions ...Cost vs. ValueNational Averages: Addition to Recoup Value<br />
Attic Bedroom, 83.1% <br />
Bathroom, 59.5%<br />
Composite Deck, 70.9%<br />
Wood Deck, 80.6 %<br />
Family Room, 65.3%<br />
Garage, 62.2 %<br />
Master Suite, 65.2%<br />
Sunroom, 50.7%Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-13170253330314947642010-01-10T19:08:00.001-05:002010-01-10T19:10:47.587-05:00Tim Newman, CEO of the Charlotte Regional Visitors Authority, possible Democratic National Convention in Charlotte...has Tega Cay LinkFrom the Business Journal:<br />
In May, the $200 million NASCAR Hall of Fame opens, just as the National Rifle Association brings its annual convention to town.<br />
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...Later this month, Newman, along with Mayor Pro Tem Susan Burgess and other leaders, will decide whether to move forward on a potential bid to host the 2012 Democratic National Convention...<br />
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On a personal note, nice man and family...met them when they visited Tega Cay on a short term rental on the lake, one of EDI Real Estate's properties.Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-48463853160150051562010-01-10T18:59:00.002-05:002010-01-10T18:59:06.326-05:00February 9, 2010 Special Election in Tega CayDon't forget to Vote!Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-41762310782704003852010-01-05T16:05:00.000-05:002010-01-05T16:05:12.509-05:00Beginning 11/06/2009 and Ending 12/05/2009 - Average Closed Home by CountyMecklenburg:<br />
Units - 935<br />
Average Closed Price - $210,811.00<br />
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York:<br />
Units - 176<br />
Average Closed Price - $186,247<br />
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Union:<br />
Units - 175<br />
Average Closed Price - $250,709.00<br />
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Lancaster:<br />
Units - 45<br />
Average Closed Price - $232,325.00<br />
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Gaston:<br />
Units - 143<br />
Average Closed Price - $123,187.00Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-38691555655571721472010-01-05T09:15:00.000-05:002010-01-05T09:15:17.663-05:00988 Knob Creek, Tega Cay, SC 29708<div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/_O4lGl9dd1b0/S0NJPfJpLwI/AAAAAAAAACQ/b3J0_CwAKUo/s1600-h/Knob+Crek.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" ps="true" src="http://4.bp.blogspot.com/_O4lGl9dd1b0/S0NJPfJpLwI/AAAAAAAAACQ/b3J0_CwAKUo/s320/Knob+Crek.jpg" /></a><br />
</div><div class="separator" style="clear: both; text-align: center;">Price Adjustment - Now $334,000<br />
</div><div class="separator" style="clear: both; text-align: center;">Ranch with Basement - MUST SEE!<br />
</div>Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-74855786468374760082010-01-03T11:34:00.000-05:002010-01-03T11:34:38.951-05:00Welcome to Sugar Creek Garden Center - Owners from Tega CayJan and George Wallace, from Tega Cay are planning to open a garden center in the Spring of 2010. It will cater to homeowner demographics according to their website. Looking forward to this opening!<br />
Follow the link for more info. <a href="http://www.sugarcreekgardencenter.com/Sugar_Creek_Garden_Center/Welcome.html">http://www.sugarcreekgardencenter.com/Sugar_Creek_Garden_Center/Welcome.html</a>Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-81621527935333398572010-01-02T23:17:00.000-05:002010-01-02T23:17:14.265-05:00Catawba Bridge!<div style="text-align: justify;">York County is vying for federal stimulus money to help pay for a bridge across the Catawba River. <br />
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The $20 million dollar project would create a gateway connecting Rock Hill and Fort Mill, replacing a narrow two-lane bridge that spans the water on U.S. Highway 21. The county and municipalities would contribute more than $700,000 for bridge enhancements.Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-90803421840827457762010-01-01T14:47:00.000-05:002010-01-01T14:47:23.612-05:00Manila Bay Ranch - For Sale WATERVIEW<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/_O4lGl9dd1b0/Sz5RL8rqdWI/AAAAAAAAACI/9ESTJlD5ceU/s1600-h/29251686%5B2%5D.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" ps="true" src="http://2.bp.blogspot.com/_O4lGl9dd1b0/Sz5RL8rqdWI/AAAAAAAAACI/9ESTJlD5ceU/s320/29251686%5B2%5D.jpg" /></a><br />
</div><div class="separator" style="clear: both; text-align: center;">Call Today if You Would Like to See this Ranch in Tega Cay<br />
</div><div class="separator" style="clear: both; text-align: center;">803-396-1423 Ex: 203<br />
</div>Tega Cay, SChttp://www.blogger.com/profile/18292466266159484152noreply@blogger.com0tag:blogger.com,1999:blog-8333630685850728457.post-24725326596448700962010-01-01T12:57:00.000-05:002010-01-01T12:57:36.804-05:00Higher-End Homes Face the Price Pressure (This and the Point of Sale in SC is hurting us all)<div style="text-align: justify;">Though the cheapest houses on the market may not get much cheaper, more-expensive homes still have further to fall, which will likely slow the broader housing recovery.<br />
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</div><div style="text-align: justify;">The Standard & Poor's/Case-Shiller home-price indexes for October are due on Tuesday morning. Economists estimate the index tracking prices in 20 major cities was down 7.7% from a year ago.<br />
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</div><div style="text-align: justify;">That would mark the smallest year-over-year decline since November 2007, but would also leave prices slightly lower than in September, ending a four-month string of month-to-month improvements. That might cause some anxiety about the housing recovery.<br />
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</div><div style="text-align: justify;">Despite recent signs of a bottom, many observers expect home prices to fall an additional 10% before the bust ends.<br />
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</div><div style="text-align: justify;">A pipeline clogged with future foreclosures is the most-cited reason for such forecasts. Another has to do with the shifting mix of home sales.<br />
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</div><div style="text-align: justify;">So far this year, between a third and half of all sales in any given month have been foreclosures and other "distressed" properties, which have mostly hit lower-priced homes, typically the most available to subprime borrowers. Distressed properties have kept home prices falling, even as the government tax credit has boosted sales.<br />
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</div><div style="text-align: justify;">The worst of the subprime-mortgage defaults has likely passed, most analysts agree. That could explain why low-end homes are decreasing as a percentage of total foreclosures, while middle- and high-end homes are taking bigger shares, according to Zillow.com data.<br />
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</div><div style="text-align: justify;">That shift suggests price declines will prove more pronounced in middle and higher-end housing brackets, which haven't yet fallen as far as the broader market. In San Francisco, high-end prices are down just 25% from their peak, compared with 39% for the broader regional market, according to Case-Shiller data.<br />
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</div><div style="text-align: justify;">Monthly payments for adjustable-rate mortgages, which helped many buyers afford more-expensive homes, could rise next year, either due to payment resets or rising interest rates. That trend threatens more defaults on higher-priced properties, which would weigh on prices.<br />
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</div><div style="text-align: justify;">Further government aid could ease the sting, but may not be enough to offset market fundamentals—it couldn't stop prices from falling this year.<br />
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</div><div style="text-align: justify;">Printed in The Wall Street Journal, page C1<br />
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