Limit Distractions and Stay Focused


By Kay Wilson-Bolton

President, Ventura County Coastal Assn of REALTORS®

If there is an encouraging word to be said in these times of adjustment and tweaking, may it be to simply stay focused.

Losing your vision and your perspective is easy when a bump in the road comes your way and interest rates are a most telling example.  It has been said many times that the public memory is very short.

Take the Northridge earthquake of January 1994 which caused tremendous damage in the city of Fillmore.  Sales stats show that there were more sales in Fillmore in that year than there were in 1993.  I suppose you could argue that things were so bad in 1993 that the following year had to be better.  You could also state that from June to December after the earthquake, the public simply forgot how bad the earthquake was and they went back to living.

In this season of changing interest rates, we encourage you to continue living and simply consider modifying the loan product to accommodate the new environment.  Every lender has responded quickly with programs to ease the uncertainty and the delay and to keep buyers in the home purchase arena.

Looking back on interest rate trends, one can see that rates under 12% are well within the Fannie Mae 30-year averages and anything under 10% is still okay.  Everyone knows that our beginner buyers are jeopardized with rising rates, but a good lender with a good eye for the client’s interest will keep home ownership in the forefront of the American dream.

Keeping your eye on the big picture will also help because housing appreciation and resale value are still commodities to count on.

Also at the forefront is your REALTOR® who is trained to keep a watchful eye for bargains. In your search for a home, consider contacting a REALTOR® first. Not every real estate agent can use that name and there is a difference.  REALTORS® have subscribed to the National Code of Ethics that are clear and commanding and provide a baseline for performance.



Kay Wilson-Bolton is president of the Ventura County Coastal Association of REALTORS® .  For more information, contact Bob Seitz, CEO, Ventura County Coastal Assn of REALTORS® at 981.2100. Our website is


About Kay Wilson-Boltonhttp://www.kaywilsonbolton.netWith a full-time career in real estate, I can add to your bank of knowledge, not only in real estate but in many areas of life that deal with people and relationships and choices. My real estate career has taught me many lessons about planning ahead and looking forward. I believe in helping along the way so that they can be the best they can be in any situation. I serve as a Fire Department Chaplain and Coordinator for the Many Meals Project which serves homeless and hungry families in my community. The event is far more than many meals. As a result of my work with the homeless population in my community, I received the Good Neighbor Award 2017 from the National Association of Realtors and named as a Champion of Homes in 2015 by the California Association of Realtors. I make pastoral visits to the inmates in the County Jail System and offer them what God says about "all things being new" and His remarkable plan for our lives. I have served my community as Mayor and in many volunteer capacities. I serve others by serving God first. My husband is involved in prison ministry and is a graphic artist. We live a simple life in Santa Paula with an office cat named Scout, three rescued poodles and a cat named Tony Diane at home.

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