Full Service At A Fair Price

Serving All Of San Diego County

Ca. DRE License 00659882

"When there is unfettered competion from brokers with innovative and efficient approaches to the residential market, comsumers are likely to receive better service and pay lower commissions" said Deborah A Garza, deputy assisant attorney general for the Justice Department's antitrust division.

The Internet has dramatically changed both the selling and buying process of real estate today. It now allows innovative brokerages to become much more efficient. This process now saves listing and selling brokers time-a lot if time. Saving brokers time equals savings and those savings can now be passed on to you. Don't make the mistake and iqnore the highest cost of any real estate transaction-commissions. 

*What We Do

*Why select me to help you sell your San Diego Home.

*Select me when you buy your next San Diego Home.

* Is this the time for you to buy? - In almost all cases the answer is yes. Interest rates are not going to get any lower. In many cases values have declined up to 50%. Listen about Fence Sitters and Buyer Strength. It might help you make up your mind.(Turn on you speakers)

SAN DIEGO REAL ESTATE NEWS

* A study of life expectancy of home componets (PDF)  How long are the major componets of your home going to last?

* Make money in 2010: Your Home.

* House Flipping (PDF) - House flipping is now dominated by investors.

* Going to sell your home? (PDF) - Don't wait until "spring" in February.

* Housing Inventory declines (PDF) - But more mouses likely to hit market in early 2010.

* Home Values (PDF) - 6 signs your home will increase in value.

* Flood Insurance (PDF) - Homeowners forced to buy flood insurance after FEMA redraws maps.

* Mortage Modifications (PDF) - Most successful modifications reduce borrowers' principal.

* Leaseback (PDF) - Picking up momentum for fannie Mae loans.

* Credit Score (PDF) - How to learn your credit score.

* Home-Improvement (PDF) - Homeowners now paying as much as 20% less for home-improvement projects.

* What sellers don't tell buyers (PDF) - Sellers often do a lot of fibbing.

* Property Walk Score  Find out how your properties walkable score.

* Vacation rentals Vacation rentals by owners

* Title Wizard Compare the cost of title insurance from various title companies.

* Agents License Status   Sellers and buyers might want to check the status of the agent or broker that is about to represent them. One can see when they were first licensed and any disciplinary action.

* San Diego Price/Rent Ratio  One way to determine how much values may fall.

* Showings your home & Open Houses  Something to consider.

* California Foreclosure Scams (PDF)   Some will promise you the moon. Why pay someone a lot of money for foreclosure advice, when you can do it yourself.

* Is every home in San Diego in Foreclosure?  The media certainly leads you to believe that.

* What is dual agency?   Sellers and Buyers should be advised not to let this happen to them.

* San Diego real estate buyer's bonus   Buyers are can save thousands when purchasing property today.  

* San Diego real estate median price  Don't be mislead when reading about median prices. 

*  Mortgage workout programs for San Diego (PDF)  Get the latest information on troubled San Diego Mortgages.

* San Diego Real Estate affordability index  the ability for buyers to purchase real estate continues to improve. 

*  San Diego REO Property  REO property is property that the lender now owns due to foreclosure. These can be bargins, but buyers need to know what to expect.

*  Rent vs to buy (PDF)  There are many advantages to owning vs. renting.

*  San Diego Foreclosure Laws (PDF)  Important things to know about California Foreclosure laws.

REAL ESTATE TAXATION

* Supplemental Taxes When you purchase real estate, the buyer will receive a "one time" tax bill or refund. Calculate what that amount will be.

* San Diego property tax relief information form (PDF)

* San Diego Mello-Roos Taxes (PDF)  These are property taxes in addition to regular property taxes. Not all areas of the county are subject to these taxes. Mello-Roos districts have been established in many new developments.

* San Diego property tax information (PDF)  Sone property owners may be in a position to have their property taxes lowered if they can prove the value has decreased.

* Update on Federal Tax credit (PDF)

* First time home buyer federal tax credit form (PDF)  Use this form when filing your tax return.

* New $6,500 tax credit (PDF) - May help "move-up" home buyers.

* Ca. Tax Credit (PDF) - Proposed tax credit for homeowners.

* San Diego County property tax rates  Property tax rates for cities within San Diego County.

* San Diego County property tax transfers (PDF)  If you are 55 years of age and over, you can now transfer your current property tax from within another county of California.

* IRS Discharge of debt (PDF)  Under certain circumstances in the sale of a home, the owner may request the IRS to discharge its tax claim.

* IRS loan subordination (PDF)  If a homeowner is refinancing and has a IRS tax lien, the homeowner may request the IRS to subordinate to a new loan.

SHORT SALES

* San Diego short sales (PDF)   Many homes today are being sold in a process called a short sale. See what it means to both buyer and seller.

* Standarized short-sale plan (PDF) - Obama's plan could help troubled homeowners.

* Short sale credit effects (PDF)  If a seller is thinking about selling using  a short sale, it will have an effect on your credit.

* Mortgage debt forgivness  A homeowner that sells their residence using a short sale can for a limited time exclude the amount of the debt forgivness from income taxes for both federal and state.

SAN DIEGO MORTGAGE INFORMATION

* Loan loss mitigation (PDF)  If you are thinking about selling your home via a short  or you fear foreclosure, the first step should be to contact the lender. Phone numbers of leading lenders.

* Low interest rates for just a few. (PDF)

* New HUD Rules- Aim to get rid of closing cost suprises.

* New FHA Rules (PDF)- FHA to toughen rules for borrowers.

* Reverse Mortages (PDF) - Older homeowners can now get more help in decision-making process.

* Appraisals (PDF) - Foreclosures weigh on appraisals.

* FHA quick reference guide (PDF)

* VA loan refinance (PDF)  The VA now has a program that allows veterans to refinance conventional loans in distress.

* VA Loan Eligibility (PDF)  Do you qualify for a VA loan?

* Proof of a Loan (PDF)  When a buyer makes an offer, the seller needs to know that loan funds are in place. The quality of the proof is important. The best quality is sirectly from the lender and not just from a loan broker.

*  Buyer's net sheet (PDF)  Make sure your agent provides you woth this early in the buying process. You need to know where you stand.

* Sellers's net sheet (PDF)

* Fico Scores Get an estimate of your FICO score.

* Intrest rates and loan programs for San Diego plus loan calculators  Get the lates information on interest rates, loan programs and the use the many calculators for all your needs.

* FHA loans (PDF)

* VA County loan limits (PDF)  Purchase prices greater than the county limits means the buyer will have to make a larger down payment.

* Mortgage qualification (XLS)  One of the first steps to qualify for a loan are your debt ratios. You may change the debt ratios on this form depending on the type of loan.

* Mortgage Protection program (PDF)  You are a first time buyer. You have completed a sale and now you loose your job. Before you buy, make sure you have this mortgage insurance that will not cost you anything.

* Examples of how the mortgage protection program works. (PDF)

* Find out if you qualify for making home affordable financing

 Click HERE for a custom search or click below for a quick search