“THERE IS NO BARRIER TOO HIGH, NO VALLEY TOO DEEP… NO DREAM TOO EXTREME, NO CHALLENGE TOO GREAT” ~ Charles Swindoll and that motivating phrase was a great motto for last week, as both Bonds and home loan rates ended up being greatly challenged as they dreamed of breaking through technical barriers to attempt some improvement. Lots of intra-week action ensued - but when the dust settled, Bonds and home loan rates rallied in the face of challenges and ended the week very close to where they began.

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Our San Antonio Creek neighborhood safety program started out with the goal of collectively preparing for a possible emergency/natural disaster. In doing so we accomplished something equally important, a closer community.

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The Santa Barbara real estate climate remains uncertain. On the one hand, there are many signs that indicate our market is improving: home sales have increased; residential loan activity has increased; property inventory has decreased since its high in late ’07; and the median sales price for South County continues to climb (thanks to robust activity in the $5 million + market). On the other hand, certain segments of the market are experiencing price declines to 2005 and, in some cases, even 2004 levels.

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