Bedrooms: 2 Bathrooms: 2 Est.Square Feet: 1,020 Year Built: 1993 Great move-in ready end unit two story home with private yard and dual master suites. Over 1000 sqft of living space on two levels. Bedrooms and 2 bathrooms are upstairs with a half bath downstairs. NOT A SHORT SALE…Very move in ready
Bedrooms: 2 Bathrooms: 1 Est. Square Feet:800 Year Built: 1948 Cute-as-a-button two-bedroom, one-bath home on lot with mature landscaping. Perfect for the first-time home buyer.
Sales Price: $355,000 Bedrooms: 3 Bath: 2 Year Built: 1996 Est. Square Feet: 1,472 Another Crown Hills beauty! NOT a short sale or bank owned! Open floor plan with breakfast area in kitchen, pantry, fireplace in living room, indoor laundry room. Front yard landscaping is drought tolerant, “Sage & Songbird” like. Crown Hills features community [...]
1 Bedroom 1 Bathroom 830 Sq. Ft Year Built 1974 Peaceful park setting makes this spectacular 1bd+2 extra rooms a gem. All one level. Kitchen is absolutely stunning complete w/ custom maple cabinets w/ pullouts and lazy susans, beautiful granite, stainless steel and tile. Laminate wood flooring, recessed lights, forced air and heat, washer/dryer in [...]
Mortgage And Real Estate Fraud Continues
Reports of mortgage fraud; from appraisals being inflated to falsification of income documentation. Real Estate fraud; from straw buyers to short sale fraud. Foreclosure scams. Craigslist scams. Loan Modificati…
Homes For Sale Santee ~ Dakota Ranch
As one of the most highly desirable neighborhoods in Santee, Dakota Ranch lives up to it’s reputation! Located high on the hill between Cuyamaca and Magnolia, the homes in this community are Santee living at it’s fi…
This is some really great information to determine if a condo project has FHA approval. The condo’s on this list will still qualify for FHA financing through December 31 as long as they meet occupancy of 51%, 10% reserves and no litigation. The project…
Loan Modification ~ Don’t Be A Victim
There is constant talk that the economy is getting better. However, even today there are many that are losing jobs, taking employment with a lower pay scale than previously and still unable to afford their mortga…
Homes For Sale Santee ~ The Lakes
Located on the east side of Santee just off Magnolia is a quaint development of homes known as The Lakes.
With a beautiful park like setting, these 2-4 bedroom townhomes range from 1015 square feet to 1350 square fee…
Short Sale vs. Foreclosure ~ How it Affects Your Credit Score
Many homeowners are still facing tough financial situations. Although there have been positive reports on housing and employment, families are still struggling in todays economy. San Diego has been one of the hardest hit and with the announcement last week of General Dynamics laying off over 1200 employees from NASSCO in July, many will still face the challenge of meeting obligations.
There are many misconceptions as to which may affect your credit score in a more detramental way. Short 
Sale or Foreclosure. According to Fair Isaac, the developer of the software that calculates a score, if the mortgage debt is delinquent, the delinquincy is what causes the credit score to decrease. Both a Short Sale and a Foreclosure are considered “not paid as agreed” and will be scored accordingly and equally.
If you are faced with the potential of being in a position of not being able to make your mortgage payment, the first step would be to contact your lender immediately to see what the alternatives are. Many lenders are participating in new government backed program which was enacted as of April 5, 2010 for Loan Modifications and Foreclosure Alternatives.
If you need assistance or have questions on Loan Modification please give me a call. If you and your lender have determined a Short Sale as the alternative, I am available to assist you through the process.
Making the Home of Your Dreams A Reality. As your Agent of Possibibility it is my intent to make your home buying or selling process a smooth one!
Please feel free to Subscribe to All Possibilities Throughout San Diego or contact me at 619-838-4408.
Selling Your Home ~ The Listing Agent
So you have decided to sell your home. For what ever the reason, you have determined now is the time. How important is it when making a decision on a Listing Agent? In my opinion, this decision is the most 
important in the process. If your Listing Agent does not do a good job, your house will not sell.
Don’t be fooled by an agent who is willing to list your home for the highest price. By overpricing your home, it has the potential of sitting on the market for an extended period of time. You want to SELL your home, not just LIST your home! Ask for the numbers that support the sales price. A good Listing Agent will be able to provide you comparable sales in your neighborhood that justify your asking price. The same goes for a home priced too low. This may guarantee a quick sale, but have you gotten a fair price?
What should you look for when interviewing a Listing Agent?
By taking the time to understand the process and finding a Listing Agent that will work for you will enable you to sell your home for the highest price possible while keeping the transaction on course. An experienced Listing Agent will properly advise you with all the required disclosures while keeping real estate transactions from falling apart, or being brought into court. When selling your home, make sure you have a Listing Agent that will work for YOU, not their pocketbook!
Making the Home of Your Dreams A Reality. As your Agent of Possibibility it is my intent to make your home buying or selling process a smooth one!
Please feel free to Subscribe to All Possibilities Throughout San Diego or contact me at 619-838-4408.
Have you been waiting for the sun, moon and stars to align before buying your home in San Diego California? Well the time has come….Don’t miss out on not only the Federal Tax Credit but the California Tax Creditas well. Janet Guilbalt provides us with some great information for potential California Home Buyers!
If EVER there was a reason to get off the fence and BUY YOUR HOUSE in California, this is it. We’re talking a once in a lifetime, 24 karat golden opportunity to have the government subsidize your home purchase for up to $18000 in tax credits.
But the window of opportunity is EVER so brief if you are going to attempt to double dip and get both the state and the federal tax credits.
Here’s how the double dip works: The federal home buyer tax credit for first time buyers states you must be in contract to buy your house by April 30th and close before June 30th to be eligible for the credit.
But a newly enacted California stimulus for home buyers actually OVERLAPS the federal first time home buyer tax credit!
You can also receive $10,000 in tax credits as a first time buyer, from the State of California for transactions that CLOSE after May 1.
If you have followed me so far (and there are 18,000 reasons to pay attention and follow) you have probably figured this out:
- By being in a RATIFIED CONTRACT before April 30, you can qualify for the $8000 first time homebuyer tax credit from the Federal government (as long as it closes by June 30)
- By CLOSING that RATIFIED CONTRACT after May 1, you can qualify for the $10,000 first time homebuyer tax credit from the State of California.
ADVICE:
Already in contract and set to close at the end of April? A delay of close until May 3 will not endear you to your Realtor or to your seller, but could qualify you for $10,000 in tax goodies (May 1 and 2 are a weekend).
If you are NOT already in a contract, you are going to need to contact a mortgage professional and get thoroughly pre-approved NOW. Make sure closing the loan before June 30th will be possible based on your situation. (60 days is NOT unreasonable for most loans).
Once preapproved, seek out a great Realtor who knows the ropes, will work FAST, and will work as a team with your chosen mortgage professsional.
Disclaimers: As a mortgage professional, I am not qualified to give tax advice. Please consult your tax advisor. Be aware there are income limitations on the federal tax return, and there could be other factors that limit your ability to receive the tax credits.
For more information, a speedy preapproval, or a referral to a great Realtor, call me at 925-552-3867.
Making the Home of Your Dreams A Reality. As your Agent of Possibibility it is my intent to make your home buying or selling process a smooth one!
Please feel free to subscribe to my blog or contact me at 619-838-4408.
For anyone considering buying property in Mexico, here is a free eBook to help navigate through the process. It is imperative when looking to buy property in Mexico you be aware of all the nuances. Thomas Lloyd helps guide through the process.
A new Mexico Real Estate guide is now being offered to help new buyers understand the process and to give tips on purchasing real estate in Mexico. What is interesting about this Mexico real estate guide, is that it is not made up of the opinion of only one person, but this is a collaboration of various experts that are currently active in the Mexican industry.
(click here to download a free copy)The main goals that we have with our organization and our web sites, is to help non-Mexicans find and purchase properties safely. The brokers that we have invited to make up our network and to contribute in our goals are people who have these same principals and who have had many years of experience in working here in Mexico. There are many things that cannot be learned from text books, and this is where experience plays such an important factor for a realtor to be succesful in representing buyers.
The Mexico real estate guide / E-Book has no charge and is very interesting layout. As our goal was to share the opinions of various top brokers from Mexico, the ebook allows for quick navigation to see the answers with ease by clicking onto the photo of the expert. It is a unique and efficient method to scan quickly over the responses and we hope this will make “looking up answers” a much quicker method for non-Mexicans. Please link this page and download, and give us your feed back!
“Mexico’s Leading Network of Specialists for Finding and Purchasing Mexican Properties Safely!”
Thomas Lloyd, graduated from Purdue University Krannert School of Management with a degree in Management/Financial Option Investments. He has been living, investing, and working professionally in Mexico for over 15 years. Mexico Real Estate Degree & Professional Identificacion Number S.E.P. #5978657. He is the current president of TOPmexicorealestate
Making the Home of Your Dreams A Reality. As your Agent of Possibibility it is my intent to make your home buying or selling process a smooth one!
Please feel free to subscribe to my blog or contact me at 619-838-4408.
Stephanie Reynolds 
Colleen Mitchell 
