San Diego Real Estate And Lifestyle

New Homes for Sale San Elijo Hills in San Marcos – just outside San Diego

admin — Sat, 26 Nov 2011 21:06:22 +0000

I was showing new construction to a buyer recently and ran across an incredible community at San Elijo. Convenient to the 15, the 5 and the 78, this community appears to be an awesome lifestyle for all. Retired? Newly weds? Single professional? Family? This neighborhood ( a true community anchored by a central marketplace ) appeals to all.

There are two builders right now D.R. Horton and Lennar. Lennar has Terraza and the less expensive Belmont both worth the stop! D.R.Horton has Altaire. The models are incredible and worth perusing.

Certified New Home Specialist

I am a new construction fanatic and a CNHS (Certified New Home Specialist). If you are interested in looking in San Marcos, call me, I will take you on a tour of all the models at San Elijo. And…I am a serious negotiator and will get you an incredible deal over there (but you have to go with me – don’t worry, very friendly guy here). Call me at (619) 985-6528.

Feel free to check out the community and the floorplans, but…call me before you visit – your wallet will thank you in the end.

I am also a HAFA certified short sale specialist in case you know anyone with mortgage problems. Avoid foreclosure at all cost. Check out www.shortsaledignity.com.

Selling your property via short sale? If you qualify, it is so easy to do.

admin — Sun, 20 Nov 2011 19:35:55 +0000

Are you having a hardship? That mortgage payment difficult? Headed for foreclosure? No. Foreclosure is not an answer. Short sales are now part of a banks NORMAL procedures.

The mortgage companies now have (finally) standard processes for handling Short Sales. The entire process now takes about 45 days. You have to have somewhat of a hardship and not just a desire to get out of an upside down property.

For some, the change in the economic environment might be enough if living on the edge.

If you are in San Diego and think a short sale is for you, call me, we can easily determine the right path for you.

A few KEY points:

The effect on your credit is minor!

You do have to move out of your house or condo.

Fighting Foreclosure

The new HAFA short sale provides $3,000 to help with relocation.

If a San Diego short sale is for you, I am a HAFA certified agent and am happy to assist you. CALL ME! (619) 985-6528. If you are anywhere else, I can still help. I will refer you to the top Certified Residential Specialist (CRS) in your area.

Here is a link to my free book…..Fighting Foreclosure.

Short Sales – Bad words? Not if you are in San Diego

admin — Wed, 16 Nov 2011 22:15:04 +0000

Short sale properties in San Diego. Reason to stay away? Are you kidding. Short sales are golden. You can get short sales in San Diego for about 80% of market value. The process is now refined. Short sales can be an incredible investment with very little pain involved. It has taken the banks about 4 years but , believe it or not, they finally have their stuff together. With the record low interest rates on San Diego mortgages if you are going to invest , San Diego short sales is the place and the time is now. My San Diego short sale site is called Short Sale Dignity at www.shortsaledignity.com. for the other side of the coin (San diego Short sales – sellers this is for you) will be posted tomorrow.

Come back then. In the meantime, please check out my website and get my free book Fighting Foreclosure at www.shortsaledignity.com and for the most advanced state-of-the-art San Diego property search which includes the entire San Diego MLS head straight for the At Home In San Diego website:

www.AtHomeInSanDiego.com

San Diego New Home Construction. Suburbs Only.

admin — Sun, 13 Nov 2011 20:23:12 +0000

I was looking for new construction with a client over the last few weeks. What we found were new homes in Oceanside, new homes in Carlsbad, new homes in San Marcos, new homes in Vista and a whole bunch of new homes in Chula Vista.

What we didn’t find was a whole bunch of construction in the metro area. It seems even the high rise construction downtown has come to a halt. I have an incredible search for new homes at www.athomeinsandiego.com.

Any mortgage challenges? Get my free book Fighting Foreclosure at the best short sale site on the internet:

Short Sale Dignity . com

Slight increase in home ownership – maybe this is the start of something big!

admin — Thu, 03 Nov 2011 16:13:53 +0000

Housing Market Woes

The Census Bureau and the Wall Street Journal reported Wednesday that the nation’s seasonally adjusted home-ownership rate stood at 66.1% in the third quarter, up slightly from 66% in the previous quarter, though down from 66.7% a year earlier. The rental vacancy rate was 9.8%, up from 9.2% in the second quarter and down from 10.3% a year earlier.Rentals will continue to have strength as the displaced homeowners move into the rental marketplace.
Industry watchers warn against reading too much into results from a single quarter. The increase is small and the number might begin declining again in the fourth quarter, when colder weathermeans fewer Americans buy homes. Paul Dales, a senior U.S.economist with Capital Economics, said he was initially surprised by the increase. “I don’t think this alters the long term trends that have been going on,” he said. “The overall housing market will remain weak and the rental market will remain strong.”

It appears that the status quo might remain for a while. Many believe that 2012 will be virtually flat but that it will be a great year to buy investment property.

We have an incredible track record with short sales. Get my free book Fighting Foreclosure at www.shortsaledignity.com

San Diego and breakfast!

admin — Thu, 27 Oct 2011 17:46:32 +0000

I like plain ol’ breakfasts. Ham and eggs, pancakes, hash browns, OJ. Nothing too exciting. Well I have found my top 10 places for you to “breakfast” in San Diego. They don’t have to be fancy or cheap. They don’t have to be a hole-in-the-wall or lavishly expensive.

I just like the food and like to eat there. They are not “rated” as I like them all. They are not categorized geographically, as you can pretty much drive to all of them in under 15 minutes.

Just go and enjoy.

Original Pancake House

Richard Walkers

Ricky’s

Brians’ American Eatery

Cafe on Park

The Mission

Hash House A Go Go

The Huddle

Du Pars

San Diego Home Cookong

These are my ten favorite

Choosing a home- I saw these helpful hints. Check it out.

admin — Wed, 26 Oct 2011 22:55:32 +0000

There’s no doubt that choosing a home is a big decision and you want to do it right. As a buyer, here’s what actually happens. A home has been placed on the market for which the seller has established an asking price as well as other terms. In effect, this is an offer.

At this point, you have three choices: accept the seller’s offer and create a contract; reject it and not make an offer; or suggest different terms and make a counter-offer. If you choose this last option, the seller may accept, reject or make a counter-offer.

No aspect of the home buying process is more complex, personal or variable than bargaining between buyers and sellers.
This is the point where the value of an experienced REALTOR® is clearly evident because he or she knows the community, has seen numerous homes for sale, knows local values and has spent years negotiating realty transactions.

Is it THE house? Is this the one? A house is shelter, but a home is far more. It’s where you live, relax, entertain friends, raise families, and work. A home is where you spend much of your life, and so choosing a house is an enormous decision.

How do you know if a house is THE one? Probably the best approach is to look at as many homes as possible, something
made easy by Realtor.com, where you can quickly and easily view huge numbers of homes, check prices, take video tours and view extensive neighborhood information. Once your choices have been narrowed, you can then contact a local REALTOR® to find specific information and options.

Can you really afford it? And remember get a pre-approval? Getting pre-approved means you have a very good idea of how much you can borrow, what loan programs will most likely work best in your situation and how much home you can afford.

How reliable is a pre-approval? While pre-approval is not a loan commitment, it’s still necessary for lenders to check
such items as appraisals and the latest credit reports. Despite fluctuating interest rates, pre-approval nonetheless provides a reasoned, careful analysis of what you can afford. After all, loan officers are routinely paid only when loans are originated. It doesn’t make much sense for loan officers to suggest high loan limits that later can’t be delivered.

Please call me if you are ready to buy. Also, if you are having any issues with your mortgage, contact us. Get my free book Fighting Foreclosure by visiting ShortSaleDignity.com

Underwater? – This might help! FHFA

admin — Mon, 24 Oct 2011 15:13:02 +0000

FHFA announces new program to help ‘underwater’ homeowners

The Federal Housing Finance Agency announced on Monday morning new rules that will allow many more “underwater” homeowners – who owe more than their properties are worth – to refinance at today’s ultra-low rates.

FHFA estimates up to a million borrowers will use the program, which was originally rolled out in early 2009 and has fallen far short of the number of people it was supposed to help.

Only mortgages backed by Fannie Mae and Freddie Mac will be eligible.

In the past, borrowers who owed only more than 25 percent more than their homes are worth could participate in the program. Now, there is no cap on how much a borrower owes.

Officials hope that by reducing monthly payments, more homeowners will avoid foreclosure, and free up more cash to spend on the economy.

Read more at at this site. If you need ANY real estate help in San Diego, call me for assistance – anywhere else, call me for a referral.

Fight Foreclosure – get my free book Fighting Foreclosure

Why Use an ABR®: REALTORS® Experienced in Buyer Representation !

admin — Fri, 21 Oct 2011 00:34:53 +0000

Buying a home is no small matter. Besides being the largest financial transaction you may ever undertake, it’s probably also the most complex. There are many good reasons to work with a qualified real estate professional—especially a trained professional who has earned the Accredited Buyer’s Representative (ABR®) designation, representing best-in-class buyer services.

When you look for an ABR® before you look for a home, you’ll be served, not sold. Your interests become their interests. And you’ll be working with someone who has gone the extra mile by completing specialized training in delivering the best in buyer-representation services. Plus, a REALTOR® who has an ABR® Designation also has an established track record, with proven experience in representing the concerns of home buyers.

The ABR® Designation is awarded through the Real Estate Buyer’s Agent Council, or REBAC, which was founded in 1988 to promote superior buyer-representation skills and services. REBAC is an affiliate of the National Association of REALTORS® (NAR).

If you are in San Diego, I work with buyers throughout the county. Call me at 619.985.6528. If you are anywhere else, call me and I will refer you to an incredible ABR in your area. (or just email if you prefer).

And…if you are behind on your mortgage payments, go to ShortSaleDignity.com

San Diego’s own Susan Davis proposes the Short Sale Transparency Act.

admin — Wed, 19 Oct 2011 22:33:51 +0000

Susan Davis (D-San Diego)

A bill authored by House member Susan Davis (D-San Diego) was introduced to Congress to give homeowners at risk of foreclosure a fair chance to avoid further damage to their credit rating. The Short Sale Transparency Act would require the nation’s giant mortgage lenders, Freddie Mac and Fannie Mae to disclose the minimum price they would be willing to accept for a short sale property if the first offer to purchase a home is not accepted.

This law would force bankers to provide the minimum price in an effort to aid the housing market.

Properties that are sold as short sales sell for less than what is currently owed on the mortgage principal, and must be approved by lenders in order to transfer title without blemishes on their title.

Short sales have increased as a last ditch effort by homeowners to avoid foreclosure. When the price a lender requires is unknown, short sales often become less viable. The “shot in the dark” method for determining bids to offer the bank are creating much wasted effort on all involved.

Loan servicers often repeatedly deny short sale offers without providing homeowners any guidance on the price the lender is willing to accept. As a result, many homeowners that may have sold their property as short sales end up as foreclosures. The bill would require lenders to disclose the minimum price that banks would take for their home to provide a level playing field for homeowners, banks and investors.

“People deserve a real chance to avoid foreclosure,” said Davis. “It is unfair to expect someone to complete a short sale instead of abandoning their home to foreclosure, if the banks don’t meet them half way. So many homeowners are willing, even eager to work with banks to get out from under the mortgage and protect their credit rating,but far too often, they find themselves in a guessing game as to what dollar amount will complete the sale.”

The bill was offered just weeks after another California Congresswoman, Maxine Waters (D-Los Angeles) called on President Barack Obama to offer bold solutions on jobs and the foreclosure crisis. Waters said Obama should demand bankers modify mortgages for millions of homeowners at risk of foreclosure.

The veteran Congresswoman has been a leading voice for homeowners at risk of losing their homes, calling for a foreclosure moratorium after the robo-signing scandal made headlines a year ago, and has lobbied to help homeowners and tenants renting properties at risk of foreclosure.

It appears the call to action is building, but it needs to happen now. For many, the legislation will be to little , too late.

All the short sale information you need go to ShortSaleDignity.com