Fallbrook Homes Rock!

bonnie-blogFallbrook offers amazing values, tucked away in some of the most breathtaking locations, including hilltops, lakefronts and golf resorts! Take a look at these gems:

Resort Living: Two bedroom condo with granite countertops, tile flooring, community pool and spa, tennis and golf. Priced under $190k. Click here to View.

Just listed: Three bedroom, four bath hilltop home, just under 4000 square feet, only four years old, with panoramic views. Under $700k. Click here to View.

Bank Owned: Three bedroom, three bath, lake view home, built in 2000. $299K. Click here to View.

Six bedroom hilltop home on three acres, just under 6000 square feet, only four years old. You won’t believe you can buy this “million-dollar” property at this kind of price. Click here to View.

Still not your cup of tea? Click here to search more Fallbrook Foreclosures.

Looking for a different type of home in Fallbrook, Carlsbad, Encinitas, or Leucadia?

Check with our area specialist,

Bonnie Maffei

760-730-2191

bonniemaffei@homereach.com

Let the Buyer Beware…

nov-just1When buying a home let the buyer beware. You need to dig beyond the preliminary title report. When purchasing a foreclosed home be cautious of whose house it is and who you are dealing with. You want to be certain that you are dealing with all the owners, as well as with the actual owners. An endless amount of people are gaining access to foreclosed and vacant homes, acting as if they are the owners. Unsuspecting and trusting buyers and tenants are being left with nothing; having deposits, option payments and rental payments stolen. It is always a good idea to check the record title to confirm that the parties who claim to own the property actually do. A careful review of the PTR will reveal any devastating claims. When it comes to monetary liens they are often recorded against a property. The buyer needs to disapprove of all monetary liens and require that the property be free and clear of liens by the close of escrow. Keep a watchful eye when it comes to transferring of property. Make sure documentation is clear that escaped assessments are the responsibility of the seller to pay, unless the parties have negotiated otherwise.

Looking for a great property in Hillcrest contact…

Justin Johnson

mobile: (619) 618-5513

The HomeReach Weekly: 10 Simple Steps to Go Green and Save Green at Home

Follow these easy steps that help the environment, and your wallet!

I love this time of the year because it reminds us to be thankful for what we have, who we share it with, and the opportunities that are open for us. In the spirit of giving, I’d like to share the following easy steps that anyone can take at home that will instantly save energy, therefore save you money, not to mention it’s good for the environment. Soon, new homes for sale will have to disclose an energy rating given by a licensed energy auditor showing how much energy the home consumes. This will let buyer’s know how much the home costs, on average, to run. The lower the cost, the more attractive it will obviously be for a buyer. Say for example, 2 homes, both on sale for $500,000. The difference? The first home uses an average of $500 / month in energy. The second home uses only $250. This will very quickly play a larger role in our home buying and selling process.

10 STEPS TO GO GREEN AND SAVE GREEN

1. In the winter, lower your thermostats 3-5% degrees more than usual and dress appropriately. Lowering the temperature just a few degrees can save you 25% on your heating costs!

2. Run your dishwasher and washing machines only when completely full. Fewer loads mean less energy and water. Use the air dry feature instead of the heat dry.

3. Wash your clothes in cold water!! 90% of the energy in a washing machine goes to heating the water.

4. Unplug appliances when you’re not using them, like toaster ovens, blenders, electric water kettles, hair dryers, TVs, computers and DVD players. Yes, they continue to use energy even when they are off. Use Smart Power Strips that sense when the appliances are off.

5. Buy an energy meter. They are only $20 and you can buy one at Costco. You place the meter between your appliance and your outlet and it shows you exactly how much energy and money it costs you in real time to have it on, and even off. Being more aware is one of the best ways you can save energy!

6. Replace your standard light bulbs with compact fluorescent light bulbs, known as CFLs. CFLs are extremely affordable now, there’s no excuse not to use them. They save you up to 75% on your lighting costs and the bulbs last much longer! If every Californian replaced just five standard bulbs with CFLs, it would be like taking 275,000 cars off the road!!

7. Use a water filter to purify your tap water instead of buying bottled water. Instead of expensive and environmentally toxic plastic water bottles, buy yourself a durable, reusable water bottle to take to work or the gym. Did you know American’s use up 10,000,000,000 water bottles each year! You read that correctly, 10 Billion water bottles a year.

8. Close air vents in rooms you don’t use. This will allow the hot or cold air you are pumping to reach you faster and more directly without dispersing (like a leak) into other rooms you don’t need to heat or cool. You’ll use the heating/cooling systems far less time this way, saving you money instantly.

9. Replace your air filters! Most people forget to ever check them. A new air filter costs $5 at Home Depot! Air filters are meant to be changed out. They accumulate dust and eventually block the airflow substantially, making your systems work much harder to get the air to reach your room.

10. Think before you print and pay as many of your bills online as you can! This will save you money in checkbooks, envelopes and stamps, not to mention things get lost in the mail all the time, so you eliminate late penalties too! Notify as many mailer companies that you don’t want to receive their spam anymore. For all of you new home buyers out there, you’re probably still receiving a lot of mail from the previous tenants or homeowners. Make sure you notify the post office ASAP of this and try to notify the old occupants.

Lastly, you can share this article with your friends and co-workers. They’ll thank you for saving them money. And let’s face it, it feels good too! Learn more and find government incentives to go green at www.flexyourpower.org.

Until next time, remember, at HomeReach.com, Sharing Is Caring.

David Tal

HomeReach.com

Broker/REALTOR/President


‘Move-up’ Buyers Get Tax Credit

novgloriapostThe new $6,500 federal tax credit for “move up” home buyers has been getting second billing to the original $8,000 credit for first-time purchasers. But take a look. This $6,500 credit for current homeowners just might have your name on it.

How does it work? When will it be available?

The new credit is available now. It took effect Nov. 6, the day President Obama signed the legislation. This means that if you fit the key criteria – you’ve owned and resided in your current home for five consecutive years out of the past eight years, and your adjusted household income doesn’t exceed $125,000 if you file as a single taxpayer, $225,000 if you are married filing jointly – you can claim the credit as soon as you close on a qualifying home.

That could be next week, next month or next spring. There is no actual move-up requirement in the new credit. In fact, homeowners who plan to downsize may prove to be significant users of the credit, along with people who are relocating because of employment changes. Search our website at the areas of San Diego county or the zip codes you are interested in, to see the available housing for sale. Also check the foreclosure properties. You will find excellent values there. You should also consider looking in the areas of Spring Valley, El Cajon, Lemon Grove, Encanto and Paradise Hills. You will find exceptional prices for homes in these areas.

If you fit the criteria and are considering buying another home sometime in the coming year, you might want to speed up the process and sign a contract by April 30 and close by the June 30 expiration date. Think of it this way: If the government is willing to give you $6,500 to act a little faster than you had originally planned, hey, why not?

Other key features of the $6,500 credit:

- The home cannot cost more than $800,000.

- The replacement home must become your main residence. There is no requirement in the legislation that you sell your current home. You could rent it out, turn it into a second home or list it for sale later in 2010 when prices might be higher. If you plan to retain it, however, make sure you move into the new house on the day you close so that there is no question it was your principal residence at that time. And if you do decide to sell it, don’t forget we give rebates to sellers of up to 50% of the selling price!

Like the first-time-buyer credit, the $6,500 version permits a broad range of dwelling types for your purchase. These include newly constructed or existing single-family homes, condominiums, manufactured or mobile homes, and boats that function as your principal residence. You cannot claim the credit if you are buying a second home or an investment property.

Purchase transactions among immediate family members are prohibited.

Home buyers who go to closing between Nov. 6 and Dec. 31 can claim the $6,500 credit on their 2009 federal tax returns or amend their 2008 returns. Similarly, eligible purchasers in 2010 will be able to file for the credit on their 2009 or 2010 returns.

Talk to your tax adviser regarding timing, which may be affected by your household income applicable to a given year.

If you aren’t sure whether you can make the deadlines established for the new credit – a binding contract by April 30 and a settlement by June 30 – do not assume that Congress will provide another extension. All the political and budgetary signs point the other way, and some of the primary authors of the credit insist that this is it – no more extensions next year. Take them at their word

. Call me if you have questions, or if you are ready to sell or purchase a home.

Gloria M. Baker

619-770-7753

What Home is Right for YOU?

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If you are like most people this is what you should consider when it comes to buying a home:

1) First, what can you afford?

2) Second, what desired area or location are you looking for?

3) If you have children, you want to consider the school district and crime stats in that area.

4) You need to determine what amenities you need; square feet, bedrooms, baths, garage, pool. Do you want to have a home with an attached garage?

5) Accessibility could be a factor, freeway access.

These are important factors to consider when purchasing a home. In today’s Real Estate market there are many options available for first time homebuyer’s. The latest of these options are the foreseeable foreclosures and the actual foreclosed properties.

Please contact us to start your home buying with HomeReach.com today as it is a great time to find the house that best fits your needs.

Patience is key when it comes to dealing with Short Sales, REO’s and Pre-Foreclosed homes.

For those of you looking for a home in Poway, I will be able to walk you through the above questions and help you make one of the best decisions you can make – buying a home! We care about you and your homeownership and we want to express our care by sharing our commissions with you. Stop paying high rent and start owning real estate in San Diego today. Find your home by searching through our area listings and get pre-qualified through HomeReach.com. Once you are ready, I will be  here to serve your Poway needs!

Your HomeReach.com Specialized Agent,

Henry Guerrero

(619)301-1773

The HomeReach Outlook- Exclusive to FOX San Diego

Welcome to The HomeReach.com Outlook, the weekly San Diego real estate update, exclusively for FOX San Diego. We bring you the latest local housing trends and real estate news affecting home owners and home prices across the County.

http://www.fox5sandiego.com/media/graphic/2009-10/49834547.jpgI am pleased to announce that for the 5th straight month, San Diego has seen positive growth in home sales, as compared to the same time last year. Single Family Home sales increased 5% and sales of condos, townhomes, and other attached homes increased 7%, compared to the same time last year. Another important indicator of a housing recovery is the amount of time a home spends sitting on the market before selling, and that number is down 25% from last year, meaning homes are being absorbed at a faster rate.

Home sales have received a boost from government incentives like the $8,000 tax credit for first time home buyers, radically affordable mortgage rates, FHA programs, and countless of down payment assistance programs. Then we add to that depressed home prices, which have remained mostly flat since July, and with the stock market up over 50% since the bottom, investors on the sidelines have taken this as a sign of local economic stabilization, the first sign to a housing recovery.

View San Diego Foreclosures by Area

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As for inventory, foreclosure listings have all but dried up. This is largely due to the government ordered moratorium on foreclosures which was supposed to last 90 days, but was extended another 90 days, and was lifted mid-September. The idea was to place a temporary freeze on foreclosure proceedings to give home owners some breathing room, and give them a chance to refinance or consider other options. Thousands of homes have been saved from foreclosure, but even still, banks own a lot of property right now that they haven’t released, most of which will be trickled out slowly to keep housing prices in check.

It is important to note that home trends can best be studied when applied to a localized focus area, like La Jolla, Chula Vista, or Downtown San Diego specifically. In each of these submarkets, trends, inventories, and foreclosure rates vary. HomeReach.com hires agents that specialize in specific areas. Feel free to contact one of our agents to get a better idea of trends in your neighborhood. Meet A HomeReach Agent.

Stay tuned for new editions of The HomeReach.com Outlook for updated and fresh weekly San Diego Real Estate market updates and news.

Until next time, remember, at HomeReach.com, Sharing Is Caring.

David Tal,

Broker/REALTOR®/President

HomeReach.com Partners with FOX 5 San Diego!

new logo-Sharing Is Caring

SAN DIEGO, October 26, 2009 – In an effort to continue to benefit the local San Diego community, local Real Estate Agency, HomeReach.com is proud to announce their partnership with FOX 5 San Diego. The online partnership was created in order to provide further value to the San Diego Real Estate enthusiast and the FOX 5 San Diego viewer. “Our partnership with FOX allows us to share relevant local San Diego housing market trends to FOX’s loyal viewers and helps HomeReach.com extend a hand to a larger audience,” David Tal, founder of HomeReach.com explains.

With an established Real Estate portal on FOX5SanDiego.com, online users will be able to search San Diego homes for sale directly from the FOX San Diego’s Real Estate page, using an innovative search widget powered by HomeReach.com. In an ever-changing housing market, home buyers and sellers need to be aware of industry news and updates on a weekly basis. To address this, HomeReach.com is launching the “The HomeReach Outlook,” the exclusive FOX San Diego weekly real estate update. “Local real estate trends are changing rapidly.” Tal Explains, “Foreclosures, government incentives, mortgage rates and affordability indexes are all affecting the market. Staying up to date is critical for buyers and sellers to be making the best decisions.”

HomeReach.com is changing the way real estate is bought and sold, with its innovative “Sharing is Caring” company business model. Utilizing smart real estate technology and the internet drastically reduces their overhead, allowing them to pass the savings onto their customers.

Simply put, ‘Sharing is Caring,’ means HomeReach.com rebates (shares) 33% of their commission with clients who buy a home with them, and rebates 50% of their commission with clients who sell a home with them.

“Typically, real estate commissions are 3% for the buyer’s agent and 3% for the seller’s agent. When HomeReach represents a buyer, we keep 2% and share the other 1% with the buyer. When HomeReach represents a seller, they take 1.5% and rebate the seller 1.5%, saving our clients many thousands of dollars!” Tal explains.

In dollars and cents, that means a buyer who purchases a home for $500,000 would get up to $5,000 cash back from HomeReach.com; a home owner who sells a home for $500,000 would get up to $7,500 cash back as a rebate from HomeReach.com.

“This makes a huge difference for a seller in a down market like we’re in today,” Tal says. “And it helps buyers tremendously; they can use this money as a credit towards their closing costs or elect to receive a check at the close of Escrow. All of our agents are willing to give up a share of their commissions in an effort to make home buying more affordable and easier for everyone. We understand that times are tough and we want to change the face of real estate using our innovative and user friendly business model.

HomeReach is now proudly pursing their journey with their exciting FOX San Diego partnership. Click here to visit the FOX 5 San Diego Real Estate Portal Brought you by HomeReach.com!

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News from Hillcrest

Hillcrest real estate is one of the areas doing exceedingly well as of late in San Diego. It offers a more diversified neighbor hood with access to the best local hot spots and restaurants.

Search San Diego Foreclosures

The Prado at Balboa Park is one of the Cohn Restaurant Group’s finest San Diego dining enterprises. A warm spirited and diverse crowd meets a truly eclectic atmosphere for lunch and dinner throughout the week. Majestic, historic charm and an innovative menu selection allure fine diners while Technicolor excitement and garden patio comfort speak to families and tourists in the park plaza. The Prado patio follows a day at the San Diego Natural History Museum, The Prado dining room precedes an evening show at The Old Globe and a blend of both stands strong in solitude.

This October, The Old Globe Theatre in Balboa Park is also playing Sammy, based on Sammy Davis Jr.’s life and career. They have also started selling tickets for “How the Grinch stole Christmas.”

For the younger crowd and Halloween buff, The Haunted Trail in Balboa Park is also happening on September 26 through November 1st. So, if you want to wind past graveyards and ghosts, past menacing trees and down dark, scary trails at San Diego’s favorite outdoor haunted attraction, come check it out. Are you looking for a home in Hillcrest? If so, contact your specialized HomeReach.com Agent.

Justin Johnson

(619) 618-5513

North Park Events – Be sure to check out the great area!

The upper north side of Hillcrest boasts of North Park’s booming music and art festivities for the month of October. The Birch Theatre of North Park, in cooperation with Lyric Opera San Diego brings “Anything Goes,” which runs October 2nd to the 11th. The monthly Film Out San Diego will play “Mommie Dearest” on October 14th. On the 22nd to the 24th “Shut up Sweet Charlotte” will be playing and “Tantrums and Tiaras” will be on the 25th of this month.

Search Homes for Sale in North Park by Clicking Here

Oktoberfest and Halloween will be celebrated through-out the month as well. The First Annual Oktoberfest is going on the 24th. So, please come and celebrate an authentic German-style festival. It’s a full-day of Bavarian entertainment with live bands, foamy beer, great food, and fun activities. So come hungry for a plate of German food, shop for interesting merchandise, and enjoy the entertainment. Located on 29th Street by 5 Star Parking and it’s from 10 am to 10 pm.

On October 27th, it’s Craft Night at Filter!
Go and spend some quality crafting time with them at their monthly craft night! This event is open to all. Just bring a project to work on and meet other crafty types. Also, enjoy some cold adult beverages because Filter is now serving beer and wine!

Looking for a home in North Park contact you Area Specialist and begin searching homes for sale in San Diego with HomeReach.com

Your HomeReach.com Specialized Agent,

Justin Johnson

(619) 618-5513

FREE Mortgage Protection Program for First Time Home Buyers

blog-gloria2If you are a first time homebuyer and are just about to purchase a home, or are actively seeking to purchase through HomeReach.com before the tax credit deadline, then you must take a look at the California Association of Realtors’ Mortgage Protection Program. The program was developed to help ease the anxiety of consumers who are concerned about potential job loss and its impact on their ability to pay their mortgage should they purchase a home. It provides peace of mind to buyers who are actively searching for a home. There is NO COST to you!

Through the Housing Affordability Fund Mortgage Protection Program, first-time home buyers who lose their jobs due to layoffs may be eligible to receive up to $1,500 per month, for six months, to help make their mortgage payments. A qualified co-buyer also can participate in the program, and receive a monthly benefit of $750 per month for up to six months. Program benefits also include coverage for accidental disability and a $10,000 death benefit.

To qualify for the Mortgage Protection Program, applicants must:
. Be a first-time home buyer – someone who has not owned a home in three or more years
. Open escrow April 2, 2009, or later, and close on or before Dec. 31, 2009
. Use a California REALTOR® in the transaction
. Purchase the property in California
. Be a W-2 employee (cannot be self-employed)

To apply for the program, home buyers must request an application for the H.A.F. Mortgage Protection Program from one of our REALTORS®.

Contact us for additional information. The deadline for this program is December 31, 2009.

Your Specialized HomeReach.com Agent,

Gloria M. Baker

619-770-7753