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More Client Testimonials

Are you a long-time renter or current homeowner that’s ready to make a change and buy or sell a home? In this video I share more testimonials of past clients that achieved their real estate goals and moved on to their next chapter. We’ll hear about a variety of situations, wants, and needs and discover how I was able to assist my clients to get the results they wanted.

Making A Change

Many of my clients come to me as renters, many from San Diego along with those looking to move to our beautiful area. They often come to me ready to make a change and wanting to take the leap into homeownership. One of the driving forces is that they could be paying into their own equity instead of someone else’s.

Chiro and Peggy, for example, were renters that began to feel like they were throwing their money away into a black hole—never to be seen again. After living in their apartment for 4 years, they decided to seek out my help to get into their own home. They’re now happy homeowners with a space of their own.

Other clients, such as Jennifer, dream of moving to our fair city from other areas. While it can be a challenge to find a property with all their wants (such as space to breathe or the amenities of a condo), I love helping clients get into the exact home that fits their goals.

Working With Me

Because I pride myself on easy communication, I love to hear that my clients feel comfortable and reassured during our early meetings. My knowledge of the real estate industry is what I use to help guide their journey, whether they’re looking to buy or sell. I also have many friends and colleagues to connect clients with to help along the way.

Whether you’re in a rush to sell or are facing a difficult financial situation, I can find a way to help. Phil, for example, was behind on payments and facing foreclosure. I was able to connect with an investor, put thousands into a remodel, and get Phil’s property sold in record time for $755,000. Finding solutions to a variety of problems is part of my job, and I was thrilled to help Phil get out of a difficult situation.

When you work with me, I’ll go over every detail and take as much time as is needed to make sure you’re informed. As my client, you’re my priority, and I want to be accessible to you. I’ll bring my energy, enthusiasm, and knowledge to each situation so that you feel comfortable and taken care of. In addition to crossing all my T’s and dotting my i’s, I’ll always be honest with you while treating you with kindness.

I’m Here To Help

I hope these testimonials have helped you to see what it’s like to work with me as your Realtor. Whether you’re a renter looking to buy or a homeowner looking to sell, I’ll always do my best to help you navigate your particular situation.

If you’d like more information about the buying and selling process or are ready to make a change, please reach out to me and I’d love to connect with you. Don’t forget to also subscribe to my channel so you never miss an episode of my show. Stay tuned to see what real estate tips and San Diego spotlights I feature next!

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Understanding The Home Buying Process

Have you decided to buy a new home here in San Diego County and want to know what your next steps are? In this video, I’m going to walk you step-by-step through the process of buying a home in San Diego County. I’ll explain everything from finances to paperwork so you’ll know exactly what to expect.

Choosing The Right Agent

The most important part of the home buying process is preparation. This is because homes here in San Diego go fast, fast, fast. The very first thing you need to do is pick a great real estate agent. The reason why over 87% of all homebuyers in San Diego are represented by realtors is that number one, there’s no out of pocket expense, and number two, they keep you out of trouble.

How do they keep you out of trouble? Well, they’re going to answer important questions for you. Are you really making a good move? Have you considered all aspects of the inspection? Do you understand how the home buying process works? It’s your agent’s job to make sure you choose the best home for you. I don’t care where you buy, I care what you buy. If you’re happy with it and it’s a great investment for you, then I’m happy too.

Finding A Lender And Looking At Properties

After you get a good agent, it’s time to get a great lender. How you finance your home is extremely important—which is why you want to start working on that preapproval process with that great lender right away. Depending on the loan product that is right for you, we need to figure out what your down payment is going to be so that we can make sure we’re looking at the right things for you.

Now that you’ve got your financial ducks in a row, the fun part can begin. This is where we go and look at properties. It could take as little as one time, or it could take a year or more. It depends on you and your timeframe. Remember that when you’re buying a home, you’re not just buying a home. You’re also buying into the community as well. You want to make sure that that community serves your needs. Is it close enough to work for you? If you have kids, is it close enough to their school? Is it in the right school district that you want for them?

What about the actual house that you’re looking for? Does your budget match your realistic expectations? Once you find that home that speaks to you and that you love, it’s time to move on to the next step: submitting an offer.

Negotiations And Escrow

It’s your agent’s job to handle all the negotiations for you and get your offer accepted. Once you get your offer accepted, now we enter stage five, which is escrow. Now the real work begins. This is the part of the process where you are under contract but you don’t yet own the property.

Escrow is the time where we do all of our due diligence, like home inspections, title searches, the appraisal, and more. This is also when your loan application can be finalized since the last piece that they’re waiting for is your executed purchase contract. Once they have that, they go to town on doing their appraisal and working with the title company to make sure that they have a clear title.

The average time that an escrow takes from an accepted offer to closing in San Diego County is between 21 and 30 days. Just before the end—usually five days or so before the close of escrow—we’re going to schedule our final walkthrough. This is to establish that the property is in substantially the same condition as it was when you agreed to buy the home. It’s not a condition of the close of sale. The condition, rather, was the request for repairs, binding the seller to do anything that you agreed to.

This is just to make sure that everything has been done. If it hasn’t, it gives the seller a heads up to make sure that it gets done.

Closing On Your New Home

Once we finish our final walkthrough, we’re going to be in our last step: closing. That’s when you’re going to hear from the escrow or title company, and they’re going to arrange a time and place for you to sign your loan documents. The title company will take that title or send it electronically to the County Recorder’s Office. We’ll get an email confirmation that says, “You have confirmation and recording.” That’s when you officially own your home!

I hope this gave you a good idea of the steps that it takes to buy a home here in San Diego County. If you have any questions at all, or are excited to jump into this awesome pool of buying a home here in San Diego, please give me a call at (619) 925-2322. You can also text or email me and I’ll get back to you as soon as possible. I can’t wait to hear from you!

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How to Bridge the Appraisal Gap in Today’s Real Estate Market

If you’re searching for drama, don’t limit yourself to Netflix. Instead, tune in to the real estate market, where the competition amongst buyers has never been fiercer. And with homes selling for record highs,[1] the appraisal process is receiving more attention than ever. That’s because, in a rapidly appreciating market, a property is more likely to appraise below the sales price—which can lead to major repercussions for both buyers and sellers.

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Why Work With Me: Client Testimonials

Are you thinking of buying or selling a house here in San Diego and want to work with a realtor? In this video, I’m going to share some client testimonials so you can hear first-hand what working with me is like. We’ll learn how my past clients were able to overcome the challenges of the housing market and successfully buy and sell properties here in sunny San Diego.

Helping You Sell

One of the most important aspects of my business is referrals. When past clients recommend me to their friends, I’m proud to come in with my knowledge and expertise to get them started in the process. Regardless of whether you’re looking to buy or sell, I strive for attention to detail. My goal is to ensure that your house shows well, impresses buyers, and sells as quickly as possible so you can move forward with your journey.

Real estate decisions are one of the biggest you’ll make in your life. It’s natural to have high expectations. Rather than convince you to lower your standards, I strive to meet you where you are and do my best to get you where you want to go.

One of the ways I do this is with a creative, strategic marketing plan that isn’t underhanded or dishonest. Rather, it’s based on my extensive knowledge of the market and what buyers are looking for here in San Diego. The best outcome when selling is to get you multiple offers so you end up with a sale price you’re happy with.

Finding The Right Home For You

When buying, my clients come from all walks of life and are dealing with varying circumstances. Many who move to San Diego may be undergoing transitions in employment or family life, which can all create a measure of stress. I desire to help you find the right house that works best for you, not for my commission.

Helping clients through the financing process and getting to closing is my ultimate goal for you—and I’ve even made lasting friendships along the way. I love hosting client parties and calling clients on their birthdays to check in and see how everything is going. You see, being professional doesn’t have to mean not being a great friend to those I’ve helped get into the exact home they were looking for.

I’m Here To Help

I hope these testimonials have given you an idea of what you can expect when you work with me. I’ll always go above and beyond for my clients and use all of my resources to find them what they need. I’ll negotiate on your behalf and make sure your best interests are represented.

So if you’re ready to buy or sell, please reach out to me and I’d love to connect with you. You can also subscribe to my channel so you never miss an episode of my show, all about real estate and living in San Diego. See you next time!

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What Are The Closing Costs For The Buyer??

Are you thinking about buying a house and wonder how much you’ll pay in closing costs? In this video, I’m going to walk you through typical closing costs when buying a home here in San Diego. I’ll explain how understanding these fees will help you budget and be best prepared to snag a great deal.

Down Payment And Title Fees

The good deals in San Diego go fast, so it’s super important that you are prepared. By knowing all about your closing costs, you’ll be ready to rock and roll as soon as you find the house that’s right for you.

Your first and biggest out-of-pocket expense is known as your down payment. While your down payment is not a true cost, it’s going to feel like one when it leaves your bank account. It will go towards the equity in your home and plays heavily into what kind of price range, home, and location you’ll look at.

Aside from the down payment, let’s talk about the actual costs of the home buying process here in San Diego. Some of the first things you’re going to see on your closing statement are title fees. Title fees are charged by a company that searches the history of the property to ensure that you have a clear title. This means that whoever legally owns the house has the right to sell the house. 

With a clear title, the bank feels comfortable lending you the money because they have confirmation that whoever owns the house can legally sell it to you. Since your lender will require that clear title, the title company will charge your lender the fee. And guess what? The lender is not going to pay it. They’re going to pass that on to you.

 

Escrow And Miscellaneous Fees

Another line item you’re going to see on your closing statement is escrow. Escrow is a neutral third party that technically works for both the seller and the buyer like Switzerland. They hold monies, disperse monies, collect documents, and disperse documents. We get charged for all that. 

You will close your property with an escrow company, and your property will be insured with a title company. Escrow fees will vary depending on the purchase price. Everything in real estate is always dependent and is usually a percentage of your purchase price. We’ll talk about that before we go looking at your potential home so you have a great idea of what to expect.

The next nebulous item you’ll see on your closing statement are miscellaneous fees associated with the loan on your purchase. While each lender is going to have their own fees, you’re going to be paying for the lender to process and fund your loan in the end. While all the little steps in between should be line items, some won’t. These are the miscellaneous items. 

Estimates, Taxes, And Inspections

One of the first things you want to do when you go through the pre-approval process with your lender is to find a ballpark figure for your closing costs. While they’re going to be different based on the exact purchase price of your home, you should get a close estimate. This will help you set your expectations as you move forward.

Another line item you’re going to see on your closing statement is the property transfer tax. Just like everything else bought or sold, there is a tax. In San Diego County, the rate is $1.10 per $1,000 of the purchase price. So if you buy a home for $500,000, then you can expect roughly $550 in transfer tax. This will be due payable to the San Diego County Treasurer’s office.

Another cost that you’re going to have (which won’t be on your closing statement) is your home inspection fee. This is part of the home buying process. Did you know that the average time a person spends in a home before they decide to buy it is about 15 minutes? This is why it’s super important to do a home inspection. We’re going to test all the big systems of the house and look at the roof, foundation, electrical, and plumbing to make sure that you’re buying something that works, is functional, and safe.

Your Total Closing Costs

I hope this gives you a good idea of what to expect for closing costs when purchasing a home here in San Diego County. It’s best to budget between 1.5-2.5% percent if you want to be conservative. It’s very doubtful it’ll be more than that. A big share of those closing costs—about  70%–is related to the loan fees. So if you’re going to be a cash buyer, your closing costs will be quite a bit less. 

If you’d like to get a more accurate idea of what your closing costs would be, please feel free to give me a call or shoot me a text or email and I’ll be happy to help. I can give you a more accurate number based on where you’re looking and what your budget is. If you don’t have a lender, I’ll also introduce you to a great one who will make sure that those closing costs are as little as possible. 

And remember, make sure to subscribe to my channel so you never miss a future episode all about San Diego real estate!

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Could Rising Home Prices Impact Your Net Worth?

Learn how to determine your current net worth and how an investment in real estate can help improve your bottom line.

Among its many impacts, COVID-19 has had a pronounced effect on the housing market. Low home inventory and high buyer demand have driven home prices to an all-time high.1 This has given an unexpected financial boost to many homeowners during a challenging time. However, for some renters, rising home prices are making dreams of homeownership feel further out of reach.

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How To Buy And Sell Your House At The Same Time

 

Do you currently own a home that you need to sell before you buy your next home? In this video, I show you how to seamlessly buy and sell a home at the same time. Because there are so many moving parts in this situation, it’s important to time your sale just right to avoid ending up homeless in between transactions.

Planning Your Transactions

Buying and selling at the same time can be really tricky. It requires a lot of planning, and if you don’t plan accordingly and act accordingly, you could be homeless in between transactions—which is not a good thing.

When you’re buying and selling a home at the same time, there’s a lot of moving parts that can be contingent upon each other. We’ll go through exactly how to navigate this type of transaction and keep you out of trouble. Timing the sale of your current house and the purchase of your next house is what’s most crucial in this process.

The first question you need to ask yourself is if you need to sell your current home before you buy your next home. If the answer is no, this just became a lot easier. If your answer is yes, then the situation is a little bit trickier.

The Right Timing

Ideally, you have an offer on your existing home before you make an offer on your next home. Let me explain how that works.

The reason this is important is that you will need to sell your current home and get rid of that debt before your lender will give you more money to buy your next home. In our dream world, we would sell our current home in the morning, and later that afternoon or the next day we would buy our new home.

There are a few reasons why you’ll want to line up your transaction this way. When you make an offer to purchase a home, that seller wants to know that your offer is not contingent on your need to sell something to buy their home. Let’s imagine that you’re the seller and I’m your agent for listing your home. We’re not going to accept an offer from a buyer who has to sell their home first to buy your home. That’s a contingent offer and is not a strong position. However, if they have an offer that is an executed, legitimate purchase agreement to buy their home, then that’s a whole different story.

How To Do It

Here’s the best way that we recommend doing this process. First, you can loosely start window shopping. As we get further on in the process where we’ve listed your home for sale and we have an accepted offer, then we start more aggressively looking. It’s important, as a buyer, to be prepared to write an offer and perform on it, specifically once you get an offer on your property or you are expecting one.

In a perfect world, it looks like this: we get an offer on your existing home, and then we make an offer on your next home—in that order. We want to line up those closing dates so that they can ideally be on the same day, concurrently, or within 24 hours of each other. This is exactly how you end up not being homeless in between two transactions.

Do You Need Help Buying And Selling?

In the past 15 years of my doing this, no two transactions have ever gone exactly the same. While they all have their different roadmaps, one of the most complex types of transactions anyone will ever do is to buy and sell at the same time.

I hope this helped to simplify and explain a little bit about how to buy and sell a home at the same time. Since everyone’s situation is different, feel free to reach out to me if you’d like any advice or help. Give me a call at (619) 925-2322, and I’ll be happy to connect with you!

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Imagine the first place you lived as a young adult. Now imagine trying to fit your life today into that space. Not pretty, right?

For most of us, our housing needs are cyclical. A newly independent adult can find freedom and flexibility in even a tiny apartment. That same space, to a growing family, would feel stifling. For empty nesters, a large home with several unused bedrooms can become impractical to heat and clean. It’s no surprise that life transitions often trigger a home purchase.

Click the image to read my full article on LinkedIn!

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Can I Buy or Sell a Home Without a Real Estate Agent?

Today’s real estate market is one of the fastest-moving in recent memory. With record-low inventory in many market segments – particularly, the San Diego area – we’re seeing multiple offers for homes in the most sought-after neighborhoods. This has led some sellers to question the need for an agent. After all, why spend money on a listing agent when it seems that you can stick a For Sale sign in the yard and just wait for a line to form around the block?

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Is the Real Estate Market Going to Crash?

When COVID-related shutdowns began last March, real estate brokers scrambled to respond to the shift, and homeowners debated whether or not to put their houses on the market. What followed was a period of unprecedented demand in the U.S. real estate market, which ended the year with increasing average-home prices and shrinking days on market.