Mortgage Rules You Should Know About

The latest mortgage initiative released by the Consumer Financial Protection Bureau (CFPB) is for the purpose of helping consumers stay informed about the loan options that are available to them. The Know Before You Owe rule has replaced four mortgage disclosure forms with just two: the Loan Estimate and Closing Disclosure, which can be viewed here. Here are a few …

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Do I Need Professional Listing Photos?

The answer to this question is almost always YES. When the typical buyer looks at your listing, the first thing that will draw their attention is the photos you have chosen to represent your home. Listing photos can either encourage more offers, or inhibit them. With an increasing number of buyers turning to online listing services to shop for homes, …

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The Latest Market Activity in San Diego County

Although San Diego County has seen a few months of slowing real estate transactions, recent market research carries good news for buyers, sellers, and real estate professionals alike. In a press release from earlier this month, the Greater San Diego Association of Realtors found a significant increase in home purchase prices for December 2015. Although current statistics have already shown …

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OPEN HOUSE at 1619 Mapleleaf Court in Encinitas, Jan. 23-24 from 1PM to 4PM

This gorgeous Encinitas 3-bedroom home is listed from $995,000 – $1,095,000. Stop by the open house THIS WEEKEND on Saturday, January 23 and Sunday, January 24 from 1PM to 4PM on both days. See supplement for more details. SPECTACULAR MINI-ESTATE. Ranch style single level 3BR/3BA Plus spacious sunny great room. Premium location. Tucked away double dead end cul-de-sac location. Huge, flat, usable, …

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What to Expect for Closing Costs as a Buyer

Closing costs are the fees paid at the end of a real estate transaction when the title is transferred from seller to buyer, which are usually required to be in the form of a cashier’s check. According to federal guidelines, all closing costs associated with residential transactions financed by a mortgage must be documented within an HUD-1 form, a standard …

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Open House at 1619 Mapleleaf Court in Encinitas Jan. 23 and Jan. 24 from 1PM to 4PM

This gorgeous Encinitas 3-bedroom home is listed from $995,000 – $1,095,000. Stop by the open house THIS WEEKEND on Saturday, January 23 and Sunday, January 24 from 1PM to 4PM on both days. See supplement for more details. SPECTACULAR MINI-ESTATE. Ranch style single level 3BR/3BA Plus spacious sunny great room. Premium location. Tucked away double dead end cul-de-sac location. Huge, …

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Stunning 3BR Available NOW at 1619 Mapleleaf Court in Encinitas, $995,000-$1,095,000

SPECTACULAR MINI-ESTATE. Ranch style single level 3BR/3BA Plus spacious sunny great room. Premium location. Tucked away double dead end cul-de-sac location. Huge, flat, usable, elevated lot with 180 degree panoramic hillside views. Large grassy areas, pool, spa & lush landscape. No HOA. Gated courtyard entry with stamped decorative concrete finishes. Fully fenced. Remodeled kitchen and baths. Hard surface flooring throughout. …

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Choosing the Right Home Insurance

The first thing you’ll want to do before shopping for homeowner’s insurance (ideally before even buying the home) is review the home’s insurance claim history report, which can either be obtained from the seller or one of the two largest insurance databases: CLUE and A-Plus. This is the best way to evaluate previous damages you may not have been aware …

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Understanding the Property Exchange Process

You’re probably already familiar with Section 1031 of the Internal Revenue Code, and it’s particularly useful to know when selling real estate. A 1031 exchange refers to the trade of one business or investment asset for another—in this case, property. If the exchange falls under certain conditions, both parties may be able to receive tax exemption for it. Below are …

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Modernize Your Kitchen Before Putting it on the Market

According to Remodeling’s 2015 Cost vs Value Report, a midrange major kitchen remodel costs about $62,441 on the West coast, but sellers were able to recoup an average of 81.1% of the cost. Below are the three best improvements to plan that promise the most return of investment. Cabinets Although replacing cabinetry is almost always the most expensive part of …

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