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Buying or Selling a Home

Buying or selling your home is one of the most important financial decisions in your life. The Lund Team has created several resources for home buyers and home sellers to ensure that your process is successful.

Found 22 blog entries about Buying or Selling a Home.

After months of sneaking home searches during work hours, you found your dream home in North County San Diego.  Perfect size, weird carpet (you can change that) and the right neighborhood nearby your favorite community park.  You call your agent to set a time the home and maybe make an offer.  When you arrive, there is already a line of buyers and their agents forming.  The beginning of a classic bidding war.  How do you avoid being a casualty and miss out on THE home? 

The Do’s

  • Get your credit report and know your credit score.  Find any fixable challenges that could boost your score.  It's worth real money.  Higher score means a lower rate and access to more loan programs.
  • Figure out how much for a down payment and where you will get it.
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Views from Rancho Penasquitos Home for SaleThis recent listing in the desired neighborhood of Rancho Penasquitos is currently in escrow and was only on the market for 8 days! Situated on a private corner lot, at one of the highest points in the area, this home doesn't just have stunning views, it provides views that are simply outrageous. At the base of Black Mountain Open Space Park, views extend to La Jolla, the beautiful blue Pacific and beyond.

This 5 bedroom, 3 bath, 2,888 square foot home makes careful use of its location, views and interior space. Soaring ceilings make the entrance way welcoming and open.  The kitchen has upgraded counter tops, a greenhouse window over the sink area and plenty of storage and cabinet space. Attached to the kitchen is a cozy dining area with a bay window

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Find a Home in North CountyWhether it has been a lifelong dream or you recently made it part of your life plan, you want to start looking at properties to find your new home. Before you start looking at homes for sale, there are five important things to consider to make the process smooth and to narrow your search of North County real estate to genuine prospects.

Target Areas

The first question is: where do you want to live? Depending on your needs, you can narrow your search by county, city or cities, or even neighborhoods. For example, if your dream is to live close to the beach, focus on coastal communities such as Carlsbad or Encinitas. It’s helpful to write down the names or zip codes of target areas or you can create your own map.

Determine a Price Range

After

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The sand, the sun and the surf are powerful reasons to consider buying a home in the communities of Carlsbad, Oceanside, Encinitas, La Costa, Vista or San Marcos. However, buying a home with its own casita has numerous added benefits for North County San Diego homeowners.

What is a Casita?

Home with a Casita in CarlsbadA casita is a small, usually detached, living area, included with the main single family home. Although they can be attached, or semi-attached, most are separated from the main house and often have their own entrance and access for privacy. Typically designed as a comfortable suite with a full bath, some casitas are built with a basic kitchen or kitchenette as well.

Why Buy a Home with a Casita?

Buying a home with a casita makes excellent sense in terms of both

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Our North County real estate team has been in the business since 1982 and one of the number one things we still see as a huge factor into the success of selling your home is curb appeal. Attracting a potential home buyer begins by how your home looks on the outside. While it will take some work to get your yard in tip-top shape, the outcome will be worth it.

Landscaping Tips for Selling Your HomeHere are some tips to get started to help spruce up your home:

      • Clean up the yard. Rake up all dead leaves and branches. Make sure the grass is clear of animal waste, ant hills, trash, or anything else unsightly. Your grass should look green and pristine.
      • Create beautiful, but simple landscaping. Mow the lawn and make sure any bare patches have been filled in with grass. Prune any bushes
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Types of MortgagesHave you decided 2015 is your year to become a homeowner? Mortgage rates are at the lowest they’ve been since June 2013 and we can help you find the option that works best for you. Our North County real estate, family-owned business has led people to the home of their dreams since 1982. There are several different mortgage options to choose from if you are considering buying a new home. Below are the types and rates of mortgages available as of January 14, 2015.

Conforming Mortgage

There hasn’t been a change to loan limits backed by Fannie Mae or Freddie Mac since 2006 and conforming loan limits remain unchanged for 2015. These two associations are legally restricted to purchase single-family mortgages with origination balances below a certain

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Mortgage rates have plummetted in the past week.  Homeowners who have purchased in the last 18 months should review their personal situation to see if a refinance or purchase makes sense.  

For additional questions on specific rates and terms contact:

Jennifer Lund
Jennifer.lund@CaliberHomeLoans.com
8910 University center lane, suite 265 | San Diego, ca 92122
M: (760) 420-6670 - nmls#925352

As of January 14th:

30 year Jumbo 3.875% with 20% down at NO POINTS 21 day Close Guarantee~!

Conf 30 3.65% 30 yr fxd Conforming: (loan amounts under $417,000) APR 3.8%

Conf 30 HB 3.75% High Balance 3o yr fxd (loan amounts up to $546,250) APR 3.919%

Conf 15 3.0% Conforming 15 yr fxd APR 3.36%

FHA & VA 30 3.5% 30 yr fxd APR 3.52%

Conv. and Gov’t. Loan

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The holidays can be a busy time with shopping, vacations, and parties. With all the activity and events, it’s easy to put off selling a home. What many homeowners don’t know, though, is that this time of year is ideal for listing a home on the North County real estate market. If you are considering selling your home in the near future, now is the time to list and show your home as competition is minimal and rates are lower to incentivize buyers.

Make Your Home Stand Out

When it comes to North County real estate, November and December are a great time to list and sell a home. Due to all the hustle and bustle of the holidays, other homeowners are putting off listing their homes until January. By listing your house now, you can be sure that your home has

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Are you considering buying a Carlsbad home? We’ve got 5 reasons why Carlsbad stands out as one of the best cities in North County San Diego.

1) City Wide Growth Management Plan With 40% Open Space

The city’s growth management plan has dedicated 40% to open space with strict, permanent developmental restrictions, which translates into well planned parks, roads, commercial spaces, and residential areas. Buying a Carlsbad home is not only a great investment for all of the amenities that the city hold, it also means continued growth of home values as the development quotas reach their maximum limits.

2) Convenience of McClellan-Palomar Airport

Skip the long, hectic drive to LA or San Diego.  A local airport saves time and hassle for both business

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The North County of San Diego is a highly desirable place to live.  World-class beaches, top ranked schools and year-round recreation help it to consistently rank as one of the best places in the west to retire and raise a family.  So it might surprise homeowners to find out that North County homes don’t sell themselves.  Owners need to take steps to prepare their home prior to putting up a ‘for-sale’ sign in order to minimize the time on market and maximize their selling price.

 

#1: Know the Importance of Curb Appeal and Landscaping

10 Tips to Sell Your Home for the Most Money

When it comes to selling your house, first impressions are critical.  Homeowners should review their front yard landscaping.  Planting fresh flowers, trim overgrown trees and repaint or repair fence if needed.  If

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The Lund Team

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