El Cajon Real Estate - La Mesa Real Estate San Diego Real Estate's Most Advanced Search Engine "New!" Premier MLS Search Tool "New!" All Other Real Estate Search Engines are Now Obsolete
Search Tip of the Day - No Login Required
Once On Premier MLS Search page, There is no need to log in. Simply (1) Select the Search San Diego Drop Down Menu at top of page, then (2) Dynamic County Search ... you will be amazed at the search power, simplified zip code, & neighborhood viewing options now available to you)
As a CA Licensed, e-PRO Real Estate Broker, your email will only be used to inform you of property details or areas that you have expressed interest in. Your privacy will be respected at all times and information will never be traded or sold.
If you are interested in a bit more privacy, larger lots, and exquisite valley or mountain views, then the East County (Map) is an area that certainly should be included in your home search. Land is typically more affordable, recreational opportunities abound, and most areas are only a brief freeway commute to the Cleveland National Forest, to the coast, or into downtown San Diego as well as many of the North and South County communities.
Welcome to San Diego real estate. My Buyer's Exclusive Agent and wholesale refinance web site is an on-line guide designed to assist San Diego home buyers and small investors to function more effectively in the increasingly complex San Diego real estate market. To this end I have customized and made available to you the MLS's most effective community and neighborhood search tool.
Other very effective search tools available on this site include a neighborhood San Diego Map Search, and your own Custom MLS Web Page linked to the MLS Hot Sheet which updates new listings and price changes every 24 hours. Also view my San Diego County area maps.
Buyers Exclusive Consultant, Risk Management Specialist & Your Personal Loan Officer
I specialize in the exclusive, personal representation of buyers at any market range in the San Diego Area. Following a initial consultation with you as a client, I work with you to select the most suitable loan strategy and homes for preview. Since there are only virtual homes on the internet, I then personally take the time to physically preview the properties that appear to best fit your unique home search criteria. For further details view my Buyers Exclusive Agent page.
Buyers Exclusive Agency Commissions
Since there are increasingly complex considerations and contingencies encountered when making a purchase offer on a property, and the seller rather than the buyer pays my commissions, there is hardly any reason why a buyer might not want the assurance of having exclusive, professional representation throughout the entire purchase offer and loan transaction.
Become an Effective Buyer
There is considerable information that you as a home buyer and investor need to be aware of before offering a purchase contract, after the seller's acceptance, while in escrow, and even after the completed transaction. This web site provides my clients with the knowledge required to become more effective and informed buyers. To further your home buyer and general real estate knowledge base please review my buyer's tips, and current real estate news links.
Loan Programs Require Professional Counseling Relocating to San Diego or Moving Out of State
If you are relocating to San Diego, either leasing or buying, my exclusive buyer's representation and personalized Risk Management service is especially important. In addition, as an ePRO certified professional I can facilitate almost all of your required transactions over the internet. To further ease your relocation, the fundamental tools necessary to research a community's resources, schools, and area services are also provided.
The purchase of a home is likely one of the most important real estate investments that you will ever make. However, once you have become a savvy home buyer, consider that you might also now be ready for taking the next step as a real estate investor. I have provided a unique Income Property Search Page; in addition, for the new investor I have supported this section with modules leading to a better understanding of the Standard Cash Flow Models used by lenders and most successful income property investors, For those currently owning income property, I have included an extensive 1031 Deferred Tax Exchange module and Asset Protection comment.
Loan Calculator and Cash Flow
For home buyers and real estate investors alike there is also an interactive Java loan calculator linked to each detailed property search that projects a full loan amortization schedule supported by a visual graph clearly showing you the interest and principle that would be paid for the duration of the loan given the interest rates and terms that you enter.
Jumbo Loan Refi Opportunty: See home mortage opportunity details of the recent Stimulus Package and the steps Jumbo mortgage holders should take now to benefit when this unique window of opportunity (July 1,2007 - Dec. 31,2008) opens to mortgage brokers. Low rates (5% range for High FICO & low Loan to Value) for 30 year fixed products have been available to qualified borrrowers since late Nov.08.
Home Loan Refinance: Rates remain at historical lows for those with good credit and able to fully document their income. My clients are successfully restructuring their finances and closing exceptional home loans. Please don't hesitate to contact me for a refinance scenario and good-faith estimate meeting your unique personal and financial criteria.
Mortgage Debt Relief Act: H.R. 3648: Mortgage Forgiveness Debt Relief Act of 2007 passed into federal law Dec 20, 2007.assist "home-owner sellers" in Short Sale transactions. FAQ Reagarding the Debt Relief Act.
Short Sale Debt Relief Income Exempt from State Income Tax: Starting September 25, 2008, the federal income tax exemption for debt forgiven on a home loan now applies to state income taxes to a limited extent. Federal law provides a tax exemption for debt forgiveness on a loan incurred for acquiring, constructing, or substantially improving a principal residence up to $2 million if the debt is discharged from 2007 through 2012. Under the new California law, the maximum qualifying debt is only $800,000, not $2 million, and the maximum exclusion is $250,000. Moreover, the California law only applies to a debt discharged in 2007 or 2008. Senate Bill 1055.
FORECLOSURE RELIEF BILL BECOMES LAW This week, the State Legislature enacted foreclosure reform law to address the adverse effects of high foreclosure rates in California. The new law requires lenders to contact homeowners to explore options for avoiding foreclosure at least 30 days before filing a notice of default. It also requires owners acquiring property through foreclosure to maintain the exterior of vacant residential properties. The new law also extends from 30 to 60 days the time for residential tenants to move out of properties that have been foreclosed upon, unless other laws apply. These requirements will remain in effect until January 1, 2013. The full text of Senate Bill 1137 (Perata) is available at www.leginfo.ca.gov.
Emergency Economic Stabilization Act May Help Homeowners: Enacted on October 3, 2008, this historic federal legislation earmarks $700 billion for the Treasury Secretary to purchase troubled assets from financial institutions. The Secretary and other federal agencies are also charged with the task of mitigating foreclosures for mortgages and mortgage-back securities and encouraging loan modifications. Furthermore, this law strengthens the FHA-insured refinance loans for troubled mortgages under the HOPE for Homeowners program, including authority for the program's board of directors to increase the maximum loan amount above 90% of the appraised value. This bill also extends the tax exemption for debt forgiveness on home loans under the Mortgage Forgiveness Debt Relief Act of 2007 from December 31, 2009 to December 31, 2012. Source:H.R. 1424.
Good News!
Legistlation was introduced on 7/31/08 to reinstate the Down Payment Assistance Program. The Housing Bill signed into law on 7/30/2008 permanently increased conforming, FHA and VA loan limits to$625,000 effective 1/1/2009. FNMA announced, as of June 1st, that they are buying 95% and 97% loans in High Risk Areas. Even though rates have been edging up, they remain historically low and would appear to be dropping once again in the very new future.
