As a residential loan specialist in San Diego, Kevin Kueneke has been helping people finance their homes for over nineteen years. A firm believer in the old saying that “land is the basis of all wealth”, as a residential loan specialist in San Diego, Kevin has worked hard to help his clients achieve a piece of that wealth through home ownership.
Helping clients navigate through the multitude of financing options available, Kevin is able to tailor a mortgage to fit their specific needs in what may be the largest financial transaction in their life.
Being a residential loan specialist in San Diego, Kevin is able to show his clients how to manage mortgage debt and achieve financial independence earlier than they thought possible.
A licensed loan originator and a residential loan specialist in San Diego with years of experience in the industry, Kevin is able to weed through the ever changing mortgage world and give his clients the help they need in picking the right product. Whether a purchase or a refinance, as a residential loan specialist in San Diego, he will meet their needs.
A residential loan specialist in San Diego, Kevin excels in new construction financing as a preferred lender to several new home builders. He also specializes in helping his Realtor partners grow their business.
As a residential loan specialist in San Diego with several outstanding marketing systems offered through Amerifirst Financial, Inc. Kevin is well qualified in conventional mortgages as well as FHA and VA.
As a direct lender, mortgage banker, and broker, Amerifirst Financial has access to just about every loan program available in the current mortgage market and as a residential loan specialist in San Diego, this has benefited Kevin's clients immensely.
Call or email Kevin and he will get you pre-approved to purchase or refinance right away.
As a residential loan specialist in Solana Beach, Kevin Kueneke has been helping people finance their homes for over nineteen years. A firm believer in the old saying that “land is the basis of all wealth”, as a residential loan specialist in Solana Beach, Kevin has worked hard to help his clients achieve a piece of that wealth through home ownership.
Helping clients navigate through the multitude of financing options available, Kevin is able to tailor a mortgage to fit their specific needs in what may be the largest financial transaction in their life.
Being a residential loan specialist in Solana Beach, Kevin is able to show his clients how to manage mortgage debt and achieve financial independence earlier than they thought possible.
A licensed loan originator and a residential loan specialist in Solana Beach with years of experience in the industry, Kevin is able to weed through the ever changing mortgage world and give his clients the help they need in picking the right product. Whether a purchase or a refinance, as a residential loan specialist in Solana Beach, he will meet their needs.
A residential loan specialist in Solana Beach, Kevin excels in new construction financing as a preferred lender to several new home builders. He also specializes in helping his Realtor partners grow their business.
As a residential loan specialist in Solana Beach with several outstanding marketing systems offered through Amerifirst Financial, Inc. Kevin is well qualified in conventional mortgages as well as FHA and VA.
As a direct lender, mortgage banker, and broker, Amerifirst Financial has access to just about every loan program available in the current mortgage market and as a residential loan specialist in Solana Beach, this has benefited Kevin's clients immensely.
Call or email Kevin and he will get you pre-approved to purchase or refinance right away.
As a residential loan specialist in Carlsbad, Kevin Kueneke has been helping people finance their homes for over nineteen years. A firm believer in the old saying that “land is the basis of all wealth”, as a residential loan specialist in Carlsbad, Kevin has worked hard to help his clients achieve a piece of that wealth through home ownership.
Helping clients navigate through the multitude of financing options available, Kevin is able to tailor a mortgage to fit their specific needs in what may be the largest financial transaction in their life.
Being a residential loan specialist in Carlsbad, Kevin is able to show his clients how to manage mortgage debt and achieve financial independence earlier than they thought possible.
A licensed loan originator and a residential loan specialist in Carlsbad with years of experience in the industry, Kevin is able to weed through the ever changing mortgage world and give his clients the help they need in picking the right product. Whether a purchase or a refinance, as a residential loan specialist in Carlsbad, he will meet their needs.
A residential loan specialist in Carlsbad, Kevin excels in new construction financing as a preferred lender to several new home builders. He also specializes in helping his Realtor partners grow their business.
As a residential loan specialist in Carlsbad with several outstanding marketing systems offered through Amerifirst Financial, Inc. Kevin is well qualified in conventional mortgages as well as FHA and VA.
As a direct lender, mortgage banker, and broker, Amerifirst Financial has access to just about every loan program available in the current mortgage market and as a residential loan specialist in Carlsbad, this has benefited Kevin's clients immensely.
Call or email Kevin and he will get you pre-approved to purchase or refinance right away.
As a residential loan specialist in Del Mar, Kevin Kueneke has been helping people finance their homes for over nineteen years. A firm believer in the old saying that “land is the basis of all wealth”, as a residential loan specialist in Del Mar, Kevin has worked hard to help his clients achieve a piece of that wealth through home ownership.
Helping clients navigate through the multitude of financing options available, Kevin is able to tailor a mortgage to fit their specific needs in what may be the largest financial transaction in their life.
Being a residential loan specialist in Del Mar, Kevin is able to show his clients how to manage mortgage debt and achieve financial independence earlier than they thought possible.
A licensed loan originator and a residential loan specialist in Del Mar with years of experience in the industry, Kevin is able to weed through the ever changing mortgage world and give his clients the help they need in picking the right product. Whether a purchase or a refinance, as a residential loan specialist in Del Mar, he will meet their needs.
A residential loan specialist in Del Mar, Kevin excels in new construction financing as a preferred lender to several new home builders. He also specializes in helping his Realtor partners grow their business.
As a residential loan specialist in Del Mar with several outstanding marketing systems offered through Amerifirst Financial, Inc. Kevin is well qualified in conventional mortgages as well as FHA and VA.
As a direct lender and broker, Amerifirst Financial has access to just about every loan program available in the current mortgage market and as a residential loan specialist in Del Mar, this has benefited Kevin's clients immensely.
Call or email Kevin and he will get you pre-approved to purchase or refinance right away.
As a residential loan specialist in Encinitas, Kevin Kueneke has been helping people finance their homes for over nineteen years. A firm believer in the old saying that “land is the basis of all wealth”, as a residential loan specialist in Encinitas, Kevin has worked hard to help his clients achieve a piece of that wealth through home ownership.
Helping clients navigate through the multitude of financing options available, Kevin is able to tailor a mortgage to fit their specific needs in what may be the largest financial transaction in their life.
Being a residential loan specialist in Encinitas, Kevin is able to show his clients how to manage mortgage debt and achieve financial independence earlier than they thought possible.
A licensed loan originator and a residential loan specialist in Encinitas with years of experience in the industry, Kevin is able to weed through the ever changing mortgage world and give his clients the help they need in picking the right product. Whether a purchase or a refinance, as a residential loan specialist in Encinitas, he will meet their needs.
A residential loan specialist in Encinitas, Kevin excels in new construction financing as a preferred lender to several new home builders. He also specializes in helping his Realtor partners grow their business.
As a residential loan specialist in Encinitas with several outstanding marketing systems offered through Amerifirst Financial, Inc. Kevin is well qualified in conventional mortgages as well as FHA and VA.
As a direct lender and mortgage banker, Amerifirst Financial has access to just about every loan program available in the current mortgage market and as a residential loan specialist in Encinitas, this has benefited Kevin's clients immensely.
Call or email Kevin and he will get you pre-approved to purchase or refinance right away.
As we all know, it is a full documentation lending world these days. Aside from the "known" paperwork required to even get pre-approved, there are some other items that prospective homebuyers should be ready to provide once they are actually in escrow.
Credit Card Information for the Appraisal Order: For Conventional and FHA loans, appraisals are ordered online through appraisal management companies' websites and must be paid at time of ordering. Real estate agents may also pay for their client's appraisal, but a credit card will still be required. VA appraisals are ordered directly through the VA and are charged to the buyer at closing.
Proof Earnest Money Deposit Cleared Account: Once the initial deposit clears the buyer's bank account, a copy of the cancelled check as well as an updated balance statement from that account will be required. These funds can also be wired, but a post-transfer balance will still be needed.
Homeowners Insurance Quote: Homeowners insurance is part of the housing expense and is therefore factored into the debt to income ratios. Having an accurate quote as early as possible in the transaction is helpful. Remember that "walls in" coverage is now required on all condominiums as well, known as an HO6 policy.
Letters of Explanation: If not already handled in the pre-approval process, buyers will need to explain any derogatory credit (no matter how old), any credit inquiries within the past 90 days and if they resulted in new accounts, any larger than normal bank deposits, job gaps, etc.
Gift Letter and Source of Funds of the Gift: Whenever the buyer is receiving a gift for the down payment and or closing costs, the donor must complete a gift letter and also provide a recent asset statement to source the gift. Some donors are reluctant to provide copies of their bank statements which can sometimes cause delays.
Updated Paystubs and Asset Statements: All income/asset documentation must be dated within 30 days of funding. Exceptions are quarterly asset statements. Also, online bank printouts are typically unacceptable unless they show the full account number and account holders name.
By the way, you may have heard about Fannie Mae's Loan Quality Initiative which is yet another effort to reduce loan defaults. Lenders are now required to monitor a borrower's credit throughout the transaction to make sure no new accounts are opened during escrow. A "soft" credit inquiry will be pulled at time of underwriting and any new accounts, or even any additional inquiries after the lender's initial inquiry, will need to be explained. Do not buy a new car while trying to buy a home!
I discuss the above items with every client, but it never hurts for them to hear it from someone else, namely their trusted real estate agent!
Closing on time? How about closing your San Diego County home purchase loan early? Here are some real escrows that AmeriFirst Financial closed in less than 30 days:
FHA purchase - initial application taken on 3/9/2012, escrow opened 3/14/2012, escrow closed 3/29/2012.
VA purchase - initial application taken on 3/1/2012, escrow opened 3/5/2012, escrow closed 3/27/2012.
FHA purchase - initial application taken on 4/5/2011, buyers purchased a short sale, seller's lender approved the short sale on 3/2/2012, but the short sale approval was only good until 3/16/2012. We closed the loan on 3/15/2012.
CONV purchase - client was working with another lender and was 47 days into a 30 day escrow when they called me. We closed in 2 weeks.
In-house processing, underwriting, doc drawing, fundingand a knowledgeable staff. That's how we do it.
The HARP Deal 2.0 - We often hear the term "owner occupancy ratio" which refers to the percentage of condominium owners that actually occupy their units in a condo project. The idea is that the lower the owner occupancy ratio, the greater the chance of a condo project going under.
Why? Because when hit with a financial hardship, a homeowner is more likely to stop paying the mortgage on a property in which they do not live vs. good ol' Home Sweet Home.
As I have stated in a previous post, Less Than 51% Owner Occupancy? OK For Conventional Loans, Fannie and Freddie do not care about the owner occupany ratio IF the home is a Principal Residence or a Second Home. The same goes for the HARP Deal 2.0. However, mortgage insurance companies (PMI) have their own overlays, anywhere from a 51% to 75% owner occupancy requirement.
The HARP Deal 2.0 does follow Fannie/Freddie guidelines for Investor owned condos, i.e., the owner occupancy ratio must be at least 51%.
California property owners interested in the HARP Deal 2.0, contact Kevin Kueneke with AmeriFirst Financial today by calling (760) 500-1919 or inquire online at: www.kevink.amerifirst.us
Posted by: Kevin Kueneke at 7:43pm
Tags: the harp deal 2.0 refinance condo owner occpancy ratio
New Homes In Vista CA Plan 1 In Phase 2 Of Vista's Tesoro
Prequalify today with Tesoro's Preferred Lender, Kevin Kueneke of AmeriFirst Financial, by calling 760-500-1919 or apply online: www.kevink.amerifirst.us
Only one Plan 1 remains in Phase 2 at Vista's Tesoro. Plan 1 in Vista's Tesoro features 3 bedrooms and 3 baths. This 1,800 square foot home also has an enormous tandem garage with enough space for four cars. Or use the extra space to store your toys and tools.
These detached condominiums live like single famliy homes. Sunny skies and warm ocean breezes, that's what Southern California is all about. What better place to experience it than at Tesoro, a picture perfect community of 55 detached homes in the heart of Vista, a city that touts 330 days of sunshine a year.
Your new Tesoro residence awaits you with home amenities that will make your life easier plus an abundance of neighborhood conveniences. You'll now have more time for yourself because shopping, restaurants, entertainment and schools are all just minutes from your doorstep.
Breeze Elementary, Washington Middle, and Murray High schools are all walking distance. For higher education, there is UC San Marcos, Mira Costa College, National University, and Palomar College all within easy reach.
Tesoro, with its ideal location, offers a wide assortment of nearby shopping. There are major stores like Costco and Walmart plus the many shops at Plaza Camino Real and North County Square. After you have shopped until you drop, there are plenty of other options like dining, entertainment, culture and sports.
City parks, hiking trails, workout gyms, theatres, art, the ocean and so much more are here for you. Come visit the TesoroNew Home Community today!
Only one Plan 1 remains in Phase 2 at Vista's Tesoro.
Plan 1 in Vista's Tesoro features 3 bedrooms and 3 baths. This 1,800 square foot home also has an enormous tandem garage with enough space for four cars. Or use the extra space to store your toys and tools. These detached condominiums live like single famliy homes.
Sunny skies and warm ocean breezes, that's what Southern California is all about. What better place to experience it than at Tesoro, a picture perfect community of 55 detached homes in the heart of Vista, a city that touts 330 days of sunshine a year.
Your new Tesoro residence awaits you with home amenities that will make your life easier plus an abundance of neighborhood conveniences. You'll now have more time for yourself because shopping, restaurants, entertainment and schools are all just minutes from your doorstep.
Breeze Elementary, Washington Middle, and Murray High schools are all walking distance. For higher education, there is UC San Marcos, Mira Costa College, National University, and Palomar College all within easy reach.
Tesoro, with its ideal location, offers a wide assortment of nearby shopping. There are major stores like Costco and Walmart plus the many shops at Plaza Camino Real and North County Square.
After you have shopped until you drop, there are plenty of other options like dining, entertainment, culture and sports. City parks, hiking trails, workout gyms, theatres, art, the ocean and so much more are here for you.
Come visit Tesoro today!
Features List
Tesoro Plan 1
Vista CA
Fireplace
Walk-In Closets
Designer Moen Faucet
30" Range
Microwave/Hood
Energy Star Rated
50gal Water Heater
Central A/C
Washer & Dryer
Maple Cabinets
HUGE Garage
Balcony
Breakfast Bar
Laundry Room
Views!
Equal Housing Opportunity.
Windermere Real Estate SoCal : 719 Copper Drive - Vista CA 92083 : 760.630.4757
The HARP Deal 2.0 - One thing to keep in mind for the HARP Deal 2.0 is that the new loan amount may exceed the "regular" Conforming limit of $417,000 for many California properties.
These loans, known as High Balance Conforming for Fannie Mae and Super Conforming for Freddie Mac, must still meet the income, credit, occupancy guidelines of the HARP Deal 2.0 for regular Conforming loans.
Here are some of the 2012 loan limits for the HARP Deal 2.0 for loans originated in various California counties:
San Diego: $546,250
Contra Costa: $625,500
Alameda: $625,500
Alpine: $463,450
El Dorado: $474,950 Los Angeles: $625,500
Marin: $625,500
Mono: $529,000
Monterey: $483,000
Napa: $592,250
Nevada: $477,250 Orange: $625,500
Placer: $474,950
Sacramento: $474,950
San Benito: $625,500
San Francisco: $625,500
San Luis Obispo: $561,200
San Mateo: $625,500 Santa Barbara: $625,500
Santa Clara: $625,500
Santa Cruz: $625,500
Sonoma: $520,950
Ventura: $598,000
Yolo: $474,950
All other California counties are capped at the regular Conforming loan limit of $417,000 for the HARP Deal 2.0.
California property owners, if you are ready to see if you qualify for the HARP Deal 2.0, contact Kevin Kueneke with AmeriFirst Financial today by calling (760) 500-1919 or inquire online at: www.kevink.amerifirst.us
Posted by: Kevin Kueneke at 4:10pm
Tags: harp deal 2.0 loan limits california san diego county
Only two Plan 1's remain in Phase 2 at Vista's Tesoro Plan 1 in Vista's Tesoro Selling Fast
Special financing incentives available through Tesoro's Preferred Lender, Kevin Kueneke with AmeriFirst Financial, including closing costs and first year payments of HOA. Contact Kevin today by calling 760-500-1919 or access Kevin's secure online application: www.kevink.amerifirst.com
Plan 1 at Vista's Tesoro features 3 bedrooms and 3 baths. This 1,800 square foot home also has an enormous tandem garage with enough space for four cars. Or use the extra space to store your toys and tools.
These Vista 3 bedroom detached condominiums live like single famliy homes. Sunny skies and warm ocean breezes, that's what Southern California is all about. What better place to experience it than at Tesoro, a picture perfect community of 55 detached homes in the heart of Vista, a city that touts 330 days of sunshine a year.
Your new 3 bedroom residence in Vista's Tesoro awaits you with home amenities that will make your life easier plus an abundance of neighborhood conveniences. You'll now have more time for yourself because shopping, restaurants, entertainment and schools are all just minutes from your doorstep.
Breeze Elementary, Washington Middle, and Murray High schools are all a short distance. For higher education, there is UC San Marcos, Mira Costa College, National University, and Palomar College all within easy reach.
Vista's Tesoro, with its ideal location, offers a wide assortment of nearby shopping. There are major stores like Costco and Walmart plus the many shops at Plaza Camino Real and North County Square.
After you have shopped until you drop, there are plenty of other options like dining, entertainment, culture and sports. City parks, hiking trails, workout gyms, theatres, art, the ocean and so much more are here for you.
Vista's Tesoro welcomes Conventional, FHA, and VA offers. Come visit Tesoro today!
Only two Plan 1's remain in Phase 2 at Vista's Tesoro.
Plan 1 in Vista's Tesoro features 3 bedrooms and 3 baths. This 1,800 square foot home also has an enormous tandem garage with enough space for four cars. Or use the extra space to store your toys and tools. These detached condominiums live like single famliy homes.
Sunny skies and warm ocean breezes, that's what Southern California is all about. What better place to experience it than at Tesoro, a picture perfect community of 55 detached homes in the heart of Vista, a city that touts 330 days of sunshine a year.
Your new Tesoro residence awaits you with home amenities that will make your life easier plus an abundance of neighborhood conveniences. You'll now have more time for yourself because shopping, restaurants, entertainment and schools are all just minutes from your doorstep.
Breeze Elementary, Washington Middle, and Murray High schools are all walking distance. For higher education, there is UC San Marcos, Mira Costa College, National University, and Palomar College all within easy reach.
Tesoro, with its ideal location, offers a wide assortment of nearby shopping. There are major stores like Costco and Walmart plus the many shops at Plaza Camino Real and North County Square.
After you have shopped until you drop, there are plenty of other options like dining, entertainment, culture and sports. City parks, hiking trails, workout gyms, theatres, art, the ocean and so much more are here for you.
Come visit Tesoro today!
Features List
Tesoro Plan 1
Vista CA
Fireplace
Walk-In Closets
Designer Moen Faucet
30" Range
Microwave/Hood
Energy Star Rated
50gal Water Heater
Central A/C
Washer & Dryer
Maple Cabinets
HUGE Garage
Balcony
Breakfast Bar
Laundry Room
Equal Housing Opportunity.
Windermere Real Estate SoCal : 719 Copper Drive - Vista CA 92083 : 760.630.4757
Prequalify today for this Santaluz 4 Bedroom Executive Home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 or apply online: www.kevink.amerifirst.us
The Pagnotta Team, Santaluz area specialists, offering a traditional sale on this highly upgraded Santaluz executive 4 bedroom home representing an exceptional opportunity for buyers looking for value within the gates.
Fabulous floorplan provides formal living spaces as well as casual areas. This home appeals to empty nesters who still want space as well as growing famililes.
The kitchen of this Santaluz 4 bedroom executive home features warmly stained cabinets,a butler's pantry, full granite breakfast bar and a walk in pantry. Appliances include 2 Bosch DW's, Thermador double ovens, 48" refrigerator and 6 burner gas stovetop+ warming drawer.
The formal dining room is currently used as an office since there are multiple options for dining in this Santaluz 4 bedroom executive home. The master suite features double french doors leading to an oversized covered patio that is ideal space for reading and relaxing. The master closet with custom dressers will provide storage for his, hers and more of hers.
The casita (Br4) of this Santaluz 4 Bedroom Executive Home has a seperate staircase entry and is an ideal quiet place for a home office, guests, teen or nanny.Seperate wall unit provides heat/air.
Enjoy al fresco dining by candlelight in covered loggias with cozy fireplaces and the background of the spashing wall fountain. The hardscape includes custom stone and tile work in multiple patios, privacy walls, a porte cochiere and electronic gate for security, mature olive trees and landscape lighting.
A Spa Level or Hacienda Level Membership may convey with sale of this Santaluz 4 Bedroom Executive Home as an added value. Club members can enjoy pool, tennis, fitness, restaurants,Camp Santaluz, social activities plus more with equity membership.
Buyers may elect to upgrade to GOLF membership at their expense. Contact The Pagnotta Team today and enjoy Santaluz at its finest!
Traditonal Sale on this highly upgraded Santaluz executive 4 bedroom home representing an exceptional opportunity for buyers looking for value within the gates.
Fabulous floorplan provides formal living spaces as well as casual areas. This home appeals to empty nesters who still want space as well as growing famililes.
The kitchen of this Santaluz executive home features warmly stained cabinets,a butler's pantry, full granite breakfast bar and a walk in pantry. Appliances include 2 Bosch DW's, Thermador double ovens, 48" refrigerator and 6 burner gas stovetop+ warming drawer.
The formal dining room is currently used as an office since there are multiple options for dining. The master suite features double french doors leading to an oversized covered patio that is ideal space for reading and relaxing. The master closet with custom dressers will provide storage for his, hers and more of hers.
The casita (Br4) has a seperate staircase entry and is an ideal quiet place for a home office, guests, teen or nanny.Seperate wall unit provides heat/air. Enjoy al fresco dining by candlelight in covered loggias with cozy fireplaces and the background of the spashing wall fountain.
The hardscape includes custom stone and tile work in multiple patios, privacy walls, a porte cochiere and electronic gate for security, mature olive trees and landscape lighting.
A Spa Level or Hacienda Level Membership may convey with sale as an added value. Club members can enjoy pool, tennis, fitness, restaurants,Camp Santaluz, social activities plus more with equity membership. Buyers may elect to upgrade to GOLF membership at their expense. Come enjoy Santaluz at its finest!
Features List
Santaluz Executive
San Diego CA
Equity Sale
Large Private Lot
Multiple Fireplaces
Master Retreat
Poway Unified
Formal Dining Room
Hardscape
Club Amenities
Casita
Thermador Ovens
48" Refigerator
Gas Stove
Covered Patio
Breakfast Bar
Butler's Pantry
Highly Upgraded
Attached Garage
Central A/C
Community Pool
Equal Housing Opportunity.
Coldwell Banker : 3810 Valley Center Drive #906 - San Diego CA 92130 : 760.715.0478
Posted by: Kevin Kueneke at 10:33am
Tags: the pagnotta team 4 bedroom santaluz executive home for sale
The HARP Deal 2.0 - I have been asked this question several times in the last week: I bought my home as my primary residence, but now I rent it out. Can I still qualify for the HARP Deal 2.0?
Assuming you meet all of the other criteria (click HERE to read the main guts of the HARP Deal 2.0), occupancy does not affect eligibility.
Will an Investment Property loan under the HARP Deal 2.0 cost a little more? Yep. But if you are currently stuck at 5%, 5.5%, 6% or more, dropping down into the 4's is probably going to help with cash flow. Or, refinance the HARP Deal 2.0 to a shorter term and lower the rate even more.
California property owners interested in the HARP Deal, contact Kevin Kueneke with AmeriFirst Financial today by calling (760) 500-1919 or inquire online at: www.kevink.amerifirst.us
The HARP Deal 2.0 - Are you underwater in San Diego County California? One of the main changes with the HARP Deal 2.0 is that loan to value (LTV) no longer matters.
What is loan to value? Loan to value is your loan amount divided by the value of the home. Previous versions of the HARP Deal capped this at 105% and 125%. This was still not enough for many underwater San Diego County California homeowners.
Great news! If you purchased your San DiegoCounty California home prior to June 1st, 2009, you may qualify for the HARP Deal 2.0. This applies to Primary residences, 2nd homes, and investment properties.
Step 1
Verify whether or not your San Diego County California home loan is owned by Fannie Mae or Freddie Mac
Are you current on your San Diego County California mortgage? Fannie Mae will not allow any 30-day late payments in the previous 12 months. Freddie Mac will not allow any 30-day late payments in the last six months, but will allow one in months 7 to 12.
Not current? Get current. The HARP Deal 2.0 is going to run through December 31, 2014, so you hopefully have enough time to get your San Diego County California loan current and stay current.
Step 3
Contact Kevin Kueneke with AmeriFirst Financial, San Diego County California Approved HARP Deal 2.0 Lender, today by calling 760-500-1919 or inquire online: www.kevink.amerifirst.us
***IMPORTANT NOTES***
To qualify for the HARP Deal 2.0 your underwater San Diego County California home loan must:
not be a Government loan (FHA, VA, USDA, etc)
must be a 1st lien
must not be a Reverse mortgage
must not be in default
If you have an FHA or VA loan on your underwater San Diego County California home, you may already qualify for a NO APPRAISAL transaction! Inquire with Kevin by clicking here
The HARP Deal 2.0 - Are you underwater in Orange County California? One of the main changes with the HARP Deal 2.0 is that loan to value (LTV) no longer matters.
What is loan to value? Loan to value is your loan amount divided by the value of the home. Previous versions of the HARP Deal capped this at 105% and 125%. This was still not enough for many underwater Orange County California homeowners.
Great news! If you purchased your Orange County California home prior to June 1st, 2009, you may qualify for the HARP Deal 2.0. This applies to Primary residences, 2nd homes, and investment properties.
Step 1
Verify whether or not your Orange County California home loan is owned by Fannie Mae or Freddie Mac
Are you current on your Orange County California mortgage? Fannie Mae will not allow any 30-day late payments in the previous 12 months. Freddie Mac will not allow any 30-day late payments in the last six months, but will allow one in months 7 to 12.
Not current? Get current. The HARP Deal 2.0 is going to run through December 31, 2014, so you hopefully have enough time to get your Orange County California loan current and stay current.
Step 3
Contact Kevin Kueneke with AmeriFirst Financial, Orange County California Approved HARP Deal 2.0 Lender, today by calling 760-500-1919 or inquire online: www.kevink.amerifirst.us
***IMPORTANT NOTES***
To qualify for the HARP Deal 2.0 your underwater Orange County California home loan must:
not be a Government loan (FHA, VA, USDA, etc)
must be a 1st lien
must not be a Reverse mortgage
must not be in default
If you have an FHA or VA loan on your underwater Orange County California home, you may already qualify for a NO APPRAISAL transaction! Inquire with Kevin by clicking here
The HARP Deal 2.0 - Are you underwater in Los Angeles County California? One of the main changes with the HARP Deal 2.0 is that loan to value (LTV) no longer matters.
What is loan to value? Loan to value is your loan amount divided by the value of the home. Previous versions of the HARP Deal capped this at 105% and 125%. This was still not enough for many underwater Los Angeles County California homeowners.
Great news! If you purchased your Los Angeles County California home prior to June 1st, 2009, you may qualify for the HARP Deal 2.0. This applies to Primary residences, 2nd homes, and investment properties.
Step 1
Verify whether or not your Los Angeles County California home loan is owned by Fannie Mae or Freddie Mac
Are you current on your Los Angeles County California mortgage? Fannie Mae will not allow any 30-day late payments in the previous 12 months. Freddie Mac will not allow any 30-day late payments in the last six months, but will allow one in months 7 to 12.
Not current? Get current. The HARP Deal 2.0 is going to run through December 31, 2014, so you hopefully have enough time to get your Los Angeles County California loan current and stay current.
Step 3
Contact Kevin Kueneke with AmeriFirst Financial, Los Angeles County California Approved HARP 2.0Lender, today by calling 760-500-1919 or inquire online: www.kevink.amerifirst.us
***IMPORTANT NOTES***
To qualify for the HARP Deal 2.0 your underwater Los Angeles County California home loan must:
not be a Government loan (FHA, VA, USDA, etc)
must be a 1st lien
must not be a Reverse mortgage
must not be in default
If you have an FHA or VA loan on your underwater Los Angeles County California home, you may already qualify for a NO APPRAISAL transaction! Inquire with Kevin by clicking here
The HARP Deal 2.0 - Are you underwater in Riverside County California? One of the main changes with the HARP Deal 2.0 is that loan to value (LTV) no longer matters.
What is loan to value? Loan to value is your loan amount divided by the value of the home. Previous versions of the HARP Deal capped this at 105% and 125%. This was still not enough for many underwater Riverside County California homeowners.
Great news! If you purchased your Riverside County California home prior to June 1st, 2009, you may qualify for the HARP Deal 2.0. This applies to Primary residences, 2nd homes, and investment properties.
Step 1
Verify whether or not your Riverside County California home loan is owned by Fannie Mae or Freddie Mac
Are you current on your Riverside County California mortgage? Fannie Mae will not allow any 30-day late payments in the previous 12 months. Freddie Mac will not allow any 30-day late payments in the last six months, but will allow one in months 7 to 12.
Not current? Get current. The HARP Deal 2.0 is going to run through December 31, 2014, so you hopefully have enough time to get your Riverside County California loan current and stay current.
Step 3
Contact Kevin Kueneke with AmeriFirst Financial, Riverside County California Approved Lender, today by calling 760-500-1919 or inquire online: www.kevink.amerifirst.us
***IMPORTANT NOTES***
To qualify for the HARP Deal 2.0 your underwater Riverside County California home loan must:
not be a Government loan (FHA, VA, USDA, etc)
must be a 1st lien
must not be a Reverse mortgage
must not be in default
If you have an FHA or VA loan on your underwater Riverside County California home, you may already qualify for a NO APPRAISAL transaction! Inquire with Kevin by clicking here
Posted by: Kevin Kueneke at 4:21pm
Tags: the harp deal 2.0 riverside county ca underwater
One of the main requirements of the HARP Deal 2.0 is that the loan must have been closed and delivered to Fannie Mae (FNMA) or Freddie Mac (FHMLC) prior to June 1, 2009. There are no exceptions to this requirement to qualify for the Fannie DU Refi Plus or the Freddie LP Open Access. As stated in a previous post, The HARP Deal, Does Your Loan Qualify?, not only does your loan need to be owned by Fannie or Freddie, but:
the loan must not be in default (additional credit requirements apply)
the loan can not be a Government loan (FHA, VA, USDA, etc.)
the loan can not be a Reverse Mortgage
the loan must be a 1st lien
If your loan does not meet the above criteria, then unfortunately you do not get to "pass go" for the HARP Deal 2.0. However, if none of the above apply to your loan, the next step is to check the Fannie and Freddie "look up" sites:
***Great news regarding loans that have been modified since 6/1/2009. A loan modification does not automatically disqualify you for the HARP Deal 2.0.*** California property owners, questions regarding the HARP Deal 2.0? Contact Kevin KuenekeMortgage Loan Officer with Amerifirst Financial by calling (760) 500-1919 or go online to: www.kevink.amerifirst.us
We have all heard the rumors over the last few months that the Federal Housing Administration (FHA) planned to increase their mortgage insurance premiums, but no one really knew when.
The Upfront Mortgage Insurance Premium (UFMIP), typically financed, will increase from 1.0% of the base loan amount to 1.75% of the base loan amount. On a $300,000 purchase price, this increase will affect a borrower's monthly payment by about $10 per month at today's interest rates.
FHA will also be increasing the Annual Mortgage Insurance Premium (MIP) which is paid monthly by 0.10% for all FHA insured loans with FHA case numbers assigned on or after April 9, 2012. There will be an additional 0.25% increase (a total of 0.35% over current levels) for loans greater than $625,500 with FHA case numbers assigned on or after June 1, 2012.
Assuming that interest rates stay at similar levels, how will the MIP increase affect a borrower's payment? Here are a couple examples:
Purchase price $200,000 with new UFMIP and MIP - increase of $23 per month
Purchase price $300,000 with new UFMIP and MIP - increase of $34 per month
Purchase price $400,000 with new UFMIP and MIP - increase of $46 per month
Purchase price $500,000 with new UFMIP and MIP - increase of $57 per month
Purchase price $600,000 with new UFMIP and MIP - increase of $69 per month
For High Cost Areas like San Diego County where FHA insured mortgages are allowed up $697,500 ($729,750 in other parts of CA), the additional increase after June 1st will have the following effects:
Base loan amount $625,500 (purchase price of about $648,186 with 3.5% down payment) with new UFMIP and MIP - increase of $204 per month
Base loan amount $697,500 (purchase price of about $722,797 with 3.5% down payment) with new UFMIP and MIP - increase of $228 per month
Base loan amount $729,750 (purchase price of about $756,217 with 3.5% down payment) with new UFMIP and MIP - increase of $239 per month
According the FHA's Carol Galante, "the mortgage insurance premium changes will enable FHA to increase revenues at a time that is critical to the ongoing stability of its Mutual mortgage Insurance (MMI) Fund, contributing more than $1 billion to the Fund, based on current volume projections through Fiscal Year 2013."
IMPORTANT REMINDER: These changes are for properties with FHA Case numbers assigned on or after April 1st (and June 1st for larger loans). The changes do not affect loans with FHA Case numbers assigned prior to April 9th, 2012.
Have questions regarding the FHA Mortgage Insurance Increase? Contact Kevin Kueneke, San Diego FHA Mortgage Loan Officer with AmeriFirst Financial, by calling (760) 500-1919 or click here to email.
We are finally getting more specifics regarding The HARP Deal, the most recent version of the Fannie Mae and Freddie Mac refinance program. Fannie's version of The HARP Deal 2.0 is called the DU Refi Plus. Freddie's version of The HARP Deal 2.0 is called LP Open Access.
LP - 0x30 in last 6 months, 1x30 OK in last 7-12 months
The HARP Deal is only for mortgage loans owned by Fannie Mae or Freddie Mac. To see if your mortgage may be eligible for The HARP Deal, check these two sites first:
More information to follow for The HARP Deal, but this is a great start. Contact Kevin Kueneke today to see if your California property may be eligible for The HARP Deal: www.kevink.amerifirst.us
Trigger Leads! Certain mortgage companies will pay top dollar to know exactly who is in the market for new financing. What's more, the major credit agencies not only allow files to be flagged whenever someone applies for a home loan, they actually sell this private information as leads to the highest bidders!
For a price tag of $25 to $100, names, addresses, phone numbers, mortgage histories, and even FICO score ranges are sold by the credit bureaus to mortgage companies, which then blindly solicit business.
Unfortunately, no legislation exists to prevent credit companies from profiting from this practice. As trigger leads, consumers are simply at the mercy of any number of solicitations designed specifically to discredit the mortgage professionals they've come to know and trust.
Remember, a limited number of sources exist for lenders to obtain mortgage money, and it's unlikely that a borrower will find an unbelievably low rate without an unbelievably high cost. That's why, prior to applying for any loan program, consumers should visit www.optoutprescreen.com to opt-out of credit bureau solicitations and avoid the problem altogether.
As consumers embark on what could be the largest financial transaction of their lives, it's important to work with a mortgage professionalwho clearly explains all available options and provides comprehensive solutions.
Prequalify today to purchase this 3 bedroom Villa Portofino home near Serra Senior High School with Kevin Kueneke, mortgage loan officer of Amerifirst Financial, by calling 760-500-1919 or visit Kevin's website: www.kevink.amerifirst.us
SELLERS ARE CONSIDERING ALL OFFERS BETWEEN $389,900 - $419,900. Single family 3 bedroom 2 bath home located in Villa Portofino, a planned residential development, which is located within minutes of Mission Valley, downtown San Diego, beaches, and near Serra Senior High School .
Elementary, middle, and Serra Senior High School are within walking distance of this Villa Portofino gem. Walk to library, shopping, and local restaurants.
Near Serra Senior High School,Villa Portofino features very nicely maintained landscaping, clubhouse, Olympic-size pool, jacuzzi, children pool, picnic area, playground, tennis courts, and a basketball court.
Located at 5051 Abuela Drive, San Diego CA 92124. FEATURES INCLUDE: Association maintained front fencing and landscaping, Double-car carport with built-in storage and open third space for guest parking or small RV or travel trailer, and Timed security lighting in carport, yard, and front patio.
This 3 bedroom Villa Portofino home near Serra Senior High School also features a front den/third bedroom with built-in teak cabinet and private patio, laundry room off kitchen, nicely designed patio & backyard.
Located away from street with large front greenbelt area, as a resident of this Villa Portofino 3 bedroom home, you will enjoy a community clubhouse, olympic-size pool, jacuzzi, children pool, tennis courts, basketball court, picnic area, and playground.
Don't forget the upgrades! Pella windows & sliding doors, plantation shutters in living room & den, professionally selected interior lighting, newly installed nylon carpeting, and gas logs & custom fire screen.
Complete remodel: Kitchen, downstairs bath, and upstairs bath with walk-in shower, wardrobe sliding mirrored doors in upstair bedrooms, large interior storage area off master bedroom. The list goes on and on. Come see this 3 bedroom Villa Portofino home near Serra Senior High School today!
SELLERS ARE CONSIDERING ALL OFFERS BETWEEN $389,900 - $419,900
Single family 3 bedroom 2 bath home located in Villa Portofino, a planned residential development, which is located within minutes of Mission Valley, downtown San Diego, and beaches.
Elementary, middle, and high schools are within walking distance of this Villa Portofino gem. Walk to library, shopping, and local restaurants.
Villa Portofino features very nicely maintained landscaping, clubhouse, Olympic-size pool, jacuzzi, children pool, picnic area, playground, tennis courts, and a basketball court
FEATURES INCLUDE: Association maintained front fencing and landscaping, Double-car carport with built-in storage and open third space for guest parking or small RV or travel trailer, and Timed security lighting in carport, yard, and front patio.
This 3 bedroom Villa Portofino home also features a front den/third bedroom with built-in teak cabinet and private patio, laundry room off kitchen, nicely designed patio & backyard.
Located away from street with large front greenbelt area, as a resident of this Villa Portofino 3 bedroom home, you will enjoy a community clubhouse, olympic-size pool, jacuzzi, children pool, tennis courts, basketball court, picnic area, and playground.
Don't forget the upgrades! Pella windows & sliding doors, plantation shutters in living room & den, professionally selected interior lighting, newly installed nylon carpeting, and gas logs & custom fire screen.
Complete remodel: Kitchen, downstairs bath, and upstairs bath with walk-in shower, wardrobe sliding mirrored doors in upstair bedrooms, large interior storage area off master bedroom. The list goes on and on. Come see this Villa Portofino home today!
Features List
Villa Portofino
San Diego Home
Remodel
Close to Beaches
Community Pool
Basketball Court
Pella Windows
plantation Shutters
Lots of Storage
Equal Housing Opportunity.
Newton3 Real Estate : San Diego CA : 619.987.6987
Posted by: Kevin Kueneke at 3:09pm
Tags: near serra senior high school, 3 bedroom villa portofino home
Carlsbad CA 5 Bedroom Near Olivenhain Pioneer Elementary School Las Olas Oasis In Carlsbad's Villagio
Prequalify today for this 5 bedroom home in Carlsbad's Villagio with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 or visit Kevin's website: www.kevink.amerifirst.us
Welcome to Villagio in Carlsbad CA! NOT A SHORT SALE!!! NOT AN REO!!! Motivated seller can close quick! Private semi-custom Home in the exclusive enclave of Villagio, located on the border of Olivenhain / South Carlsbad Near Olivenhain Pioneer Elementary School.
Among 28 Estate Homes, this 5 bedroom home in Villagio Near Olivenhain Pioneer Elementary School is on a cul-de-sac and has no neighbors in front or behind. Large Master Suite up stairs with views to the tranquil pool and spa with amazing dual water falls.
This Villagio 5 bedroom home Near Olivenhain Pioneer Elementary School features a full master bed and bath down stairs! Pictures and words do not do this amazing home justice. See it first, and then call it home!
Located at 2970 Las Olas Court, Carlsbad CA 92009 and Near Olivenhain Pioneer Elementary School. Parents enjoy piece of mind knowing your kids will be going to one of the top rated schools in the county.
Features: 5 beds & 5 baths, spacious floor plan with vaulted ceilings, designer granite kitchen with built in deluxe frig, travertine flooring. Lush tropical landscaping surrounds a beautiful waterfall, pool and spa. Built-in BBQ, fully equipped fire ring, outdoor speakers, great for entertaining. Over 4000 Sq. Ft. of living space!
Villagio in Carlsbad CA. Sellers will entertain offers from $998,900 to $1,049,900. Come view this amazing 5 bedroom Villagio Near Olivenhain Pioneer Elementary School home today!
Welcome to Villagio in Carlsbad CA! NOT A SHORT SALE!!! NOT AN REO!!! Motivated seller can close quick! Private semi-custom Home in the exclusive enclave of Villagio, located on the border of Olivenhain / South Carlsbad.
Among 28 Estate Homes, this 5 bedroom home in Villagio is on a cul-de-sac and has no neighbors in front or behind. Large Master Suite up stairs with views to the tranquil pool and spa with amazing dual water falls.
This Villagio home features a full master bed and bath down stairs! Pictures and words do not do this amazing home justice. See it first, and then call it home! Parents enjoy piece of mind knowing your kids will be going to one of the top rated schools in the county.
Features: 5 beds & 5 baths, spacious floor plan with vaulted ceilings, designer granite kitchen with built in deluxe frig, travertine flooring. Lush tropical landscaping surrounds a beautiful waterfall, pool and spa. Built in BBQ fully equipped fire ring, outdoor speakers, great for entertaining. Over 4000 Sq. Ft. of living space!
Encinitas CA - Many people that live in Southern California have some sort of emergency disaster kit stashed away in their garage. A typical kit may include drinking water, some can goods, flashlight, batteries, candles, medications, etc.
As a homebuyer, you should prepare your loan paperwork the same way and have all items ready in case of a loan emergency. Even though you provided your lender with the items necessary to process your loan, it is a good idea to keep a "shadow file" or Loan Emergency Kit just in case something gets misplaced...or the copier eats the only copy your lender had of your last paystub, W-2, you name it.
That credit card late payment or mortgage late payment you had removed last year might show up again. Do you have the letter from the creditor handy? What about your landlord from a year ago. Do you still know how to contact them?
Here are some other items to keep in your Loan Emergency Kit:
Proof judgments and/or tax liens have been paid.
Copy of divorce decree and/or child support order.
Paperwork regarding length of time a student loan is deferred.
If retired, awards letters for social security or pensions.
Quarterly asset statements (401k's for example).
Receipts or canceled checks for rent payments. More and more lenders are requiring this type of proof of payment if the landlord is a private individual.
Bankruptcy papers including list of creditors and the discharge paper. If your lender did not ask for these at the beginning of the process, chance are that they will need them at the end.
Tax returns with all schedules.
W-2's.
Paystubs and bank statements - save them all until the deal is closed.
Getting a call at the 11th hour from your lender requesting something you have already provided can be extremely frustrating. Sure, you could stomp your feet in anger and really give your lender a piece of your mind.
You could spend a few extra days thinking of ways to cause them the same emotional stress that they are causing you. Or, you could just re-fax or re-email the missing item. Remember, you are dealing with people and all people, including you, make mistakes.
Is there any excuse for these occurrences? Of course not. But underwriters are going over every file with a fine tooth comb these days and having your information at the tip of your fingers can iron out a small wrinkle before it becomes a giant speedbump.
San Marcos Short Sale
Belleza In San Marcos CA Come See This Model Perfect 3 Bedroom Home
Prequalify today for this Short Sale Belleza home in San Marcos, San Diego real estate with Kevin Kueneke of Amerifirst Financial by calling 760-500-1919 or go to his website: www.kevink.amerifirst.us
Model perfect 3 bedroom home in Belleza, a highly sought after gated community of San Marcos. Upgraded throughout, featuring a Chef's Kitchen with slab granite,center island,maple cabinetry and stainless steel appliances.
This California Short Sale in San Marcos features custom paint, crown moldings, recessed lighting throughout. Tile flooring downstairs, upgraded carpet upstairs with all 3 Bedrooms and Laundry Room.
All rooms of this Short SaleBelleza home have walk-in closets. Spacious Master Suite with his and hers sinks/vanities. Very private back wraparound patio for entertaining. Move in ready and gorgeous! Come enjoy all that Belleza in San Marcos has to offer.
Pre Short Sale package has been submitted to lender, ready to consider offiers on this Short Sale In San Marcos CA.
Short Sale in San Marcos CA. Model perfect 3 bedroom home in Belleza, a highly sought after gated community of San Marcos. Upgraded throughout, featuring a Chef's Kitchen with slab granite,center island,maple cabinetry and stainless steel appliances.
This 3 bedroom Belleza home in San Marcos features custom paint, crown moldings, recessed lighting throughout. Tile flooring downstairs, upgraded carpet upstairs with all 3 Bedrooms and Laundry Room.
All rooms of this Belleza home have walk-in closets. Spacious Master Suite with his and hers sinks/vanities. Very private back wraparound patio for entertaining. Move in ready and gorgeous! Come enjoy all that Belleza has to offer. Pre Short Sale package has been submitted, ready to consider offers.
Features List
Belleza San Marcos
Detached Home
Chef's Kitchen
Granite Countertops
Kitchen Island
Laundry Room
Gated Community
Walk-In Closets
Master Suite
Central Air
Attached Garage
Short Sale
Equal Housing Opportunity.
Windermere Real Estate SoCal : 124 Lomas Santa Fe Drive Suite 206 - Solana Beach CA 92075 : (619)788-4345
During a typical 30-day escrow period, there is ample opportunity for a potential home buyer to unwittingly sabotage his or her deal. Until the keys are in the buyer's hands, there are still several things that can cause a deal to unravel, even at the very end. Let's take a quick look:
Credit Issues: These days, a buyer's credit is monitored until the end. Not only will the lender find out if a new account is opened, but also if anyone else even inquired into the buyer's credit after the lender's credit inquiry. If the new furniture will require financing, best bet is to wait until the loan is closed. If the new home's garage is incomplete without a new car, wait until the loan is closed!
Employment: Changing jobs during an escrow is always an obvious no-no. But sometimes internal changes can destroy the deal. Examples include being switched from an employee (w-2) to an independent contractor (1099), or compensation switching from salary/hourly to commission. And lenders will call to verify that the buyer is still gainfully employed right before they hit the big "fund" button.
Assets: Many conventional loan programs require a minimum amount of assets or reserves in the bank. Although FHA and VA loans do not have minimums, some loan approvals are given based on compensating factors such as money in the bank after closing.
A loan may be approved based on an older bank statement with a certain amount of cash in the account. However, the approval might require that the most recent account statement be provided. If the new balance is lower, this could jeopardize the loan approval EVEN if there is still sufficient money in the account to cover down payment and costs.
I think every loan officer has had a loan die, or have a closing significantly delayed, from one or all of the above. Properly prepping buyers at the beginning helps, but sometimes you can only do so much. Have to admit, these things keep the industry interesting.
Yes, it is a full documentation lending world these days. That being said, the more prepared you are at the time of your initial loan application, the faster and smoother your transaction can go. The following is a list of items that may be required:
Copies of Federal tax returns personal and corporate (1040, 1120, 1120S, etc.) including all schedules for 2009 and 2010 (2008 if 2010 not yet filed). If corporate, include copies of K-1's as applicable.
Copies of w-2's and/or income 1099's for 2009 and 2010
Copies of paystubs covering the most recent 30-day period. If paid monthly, 2 consecutive paystubs will be required.
If income or pension is received, copies of Awards letters.
Copies of most recent 2 months bank statements (all pages), 401k, IRA, brokerage accounts, etc. (assets)
For real estate owned, copies of recent mortgage statements or coupons, homeowners insurance declarations pages, property tax bills, and HOA statements as applicable.
Copies of valid driver's licenses or other government issued picture ID's and social security cards
For permanent resident aliens, copy of current Green Card. For non-permanent resident aliens, copy of current work visa.
For VA buyers, copy of DD214 if discharged. Active duty will need a Statement of Service letter from their CO.
Letters of explanation for derogatory credit, job gaps, larger than normal bank deposits, etc.
Yes, this is a lot of information. But the Wild West of Lending is behind us now. As the Boy Scouts say, "Be Prepared!"
I will be the first to admit that I did not want to sit at an Open House on Sunday for three hours when I was asked on Friday. Another lender backed out at the last minute, so the broker called me to see if I wanted to do it. The agent that would be there is new to the area and trying to establish himself here.
The list of excuses of why I could not do it immediately came to mind. Sunday is for football, not for sitting at an Open House. This is San Diego and the sun will be out. The ocean will be warm. I have so many other things to do. But, this broker is one of my biggest supporters so I told him I would check my schedule and call back.
After 30 minutes, I called back and said, "I would love to."
Good thing. Within 10 minutes of opening, we had already had 5 couples come through. By the end of the day, a total of 20 people had walked in, for a Carlsbad home that has already been on the market for 26 days. Pretty good for a beautiful, sunny, football afternoon.
Turns out that the agent didn't want to do the open house either, kind of a necessary evil. The best part was that the agent and I came up with a plan for some joint marketing in the Aviara area of Carlsbad, a plan that we would not have come up with on our own.
So, now we have both added some new clients to our databases and all it cost was a little time on a Sunday afternoon. Not too shabby.
Lake San Marcos single level beauty with STUNNING kitchen. Lazy Susan corner cabinets, slab granite, stainless appliances, expanded footprint, and new stone flooring.
The main living areas of this Lake San Marcos 3 bedroom 2 bath home feature REAL wood flooring. Carpet in secondary bedrooms and stone in bathrooms. The master bedroom has mirrored closet doors with built-ins. Wonderful sunroom AND an office with French doors opening to the lap pool.
Located at 1485 San Pablo Drive, San Marcos CA 92078, this detached Lake San Marcos home is on a large lot.
Dual pane windows, extra large side yard for vegetable garden, dog run, or play area. Private back yard w/partial view of the lake. The lap pool has a security cover. In addition to the 2 car attached garage, there is also Golf Cart Storage. This Lake San Marcos 3 bedroom home also features a brand new roof.
To view this remodeled home, contact Roxinne McPhail with Distinctive Properties at (760)533-7625. Arrange financing with Kevin Kueneke of AmeriFirst Financial by calling (760)500-1919 today.
Lake San Marcos single level beauty with STUNNING kitchen. Lazy Susan corner cabinets, slab granite, stainless appliances, expanded footprint, and new stone flooring.
The main living areas of this Lake San Marcos 3 bedroom 2 bath home feature REAL wood flooring. Carpet in secondary bedrooms and stone in bathrooms. The master bedroom has mirrored closet doors with built-ins. Wonderful sunroom AND an office with French doors opening to the lap pool.
Dual pane windows, extra large side yard for vegetable garden, dog run, or play area. Private back yard w/partial view of the lake. The lap pool has a security cover. In addition to the 2 car attached garage, there is also Golf Cart Storage. This Lake San Marcos home also features a brand new roof.
Welcome To Greystone On The Park In Carlsbad CA Walk To La Costa Canyon High School
Great 4 bedroom Carlsbad home near La Costa Canyon High School in fantastic neighborhood of Greystone on the Park. Ideal, quiet location near end of a cul-de-sac street. Backs to open space.
This Greystone on the Park4 bedroom home near La Costa Canyon High School features vaulted ceilings in living room and dining room. Cozy family room off of kitchen w/stacked stone fireplace and built-in entertainment center.
Kitchen features granite countertops, stainless appliances (Viking Range/cooktop), center island, pantry and large breakfast nook. Upstairs laundry...4th bedroom currently being used as office/loft.
Down the street from Stagecoach Community Park, this home is located at 7723 Corte Promenade, Carlsbad CA 92009. Schools include La Costa Heights Elementary School and La Costa Canyon High School. Carlsbad's Greystone on the Park is a fabulous location close to all.
To view this 4 bedroom Carlsbad home in Greystone on the Park near La Costa Canyon High School, contact Jackie Bendix with Real Living Lifestyles by calling 760-214-3898. Arrange financing with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 today.
Great 4 bedroom Carlsbad home in fantastic neighborhood of Greystone on the Park. Ideal, quiet location near end of a cul-de-sac street. Backs to open space.
This Greystone on the Park home features vaulted celings in living room and dining room. Cozy family room off of kitchen w/stacked stone fireplace and built-in entertainment center.
Kitchen features granite countertops, stainless appliances (Viking Range/cooktop), center island, pantry and large breakfast nook. Upstairs laundry...4th bedroom currently being used as office/loft. Carlsbad's Greystone on the Park is a fabulous location close to all.
To view this 4 bedroom Carlsbad home in Greystone on the Park, contact Jackie Bendix with Real Living Lifestyles by calling 760-214-3898. Arrange financing with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 today.
Features List
Carlsbad Unified
Cul-De-Sac
Vaulted Ceilings
Fireplace
Viking Range/Cooktop
Kitchen Island
4 Bedrooms
2.5 Baths
1932 Square Feet
Attached Garage
Single Family Home
La Costa Canyon High
Equal Housing Opportunity.
Real Living Lifestyles : 1905 Calle Barcelona #230 - Carlsbad CA 92009 : (760)214-3898
Great 4 bedroom Carlsbad home in fantastic neighborhood of Greystone on the Park. Ideal, quiet location near end of a cul-de-sac street. Backs to open space.
This Greystone on the Park4 bedroom home features vaulted ceilings in living room and dining room. Cozy family room off of kitchen w/stacked stone fireplace and built-in entertainment center.
Kitchen features granite countertops, stainless appliances (Viking Range/cooktop), center island, pantry and large breakfast nook. Upstairs laundry...4th bedroom currently being used as office/loft.
Down the street from Stagecoach Park, this home is located at 7723 Corte Promenade, Carlsbad CA 92009. Schools include La Costa Heights Elementary School and La Costa Canyon High School. Carlsbad's Greystone on the Park is a fabulous location close to all.
To view this 4 bedroom Carlsbad home in Greystone on the Park, contact Jackie Bendix with Real Living Lifestyles by calling 760-214-3898. Arrange financing with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 today.
Great 4 bedroom Carlsbad home in fantastic neighborhood of Greystone on the Park. Ideal, quiet location near end of a cul-de-sac street. Backs to open space.
This Greystone on the Park home features vaulted celings in living room and dining room. Cozy family room off of kitchen w/stacked stone fireplace and built-in entertainment center.
Kitchen features granite countertops, stainless appliances (Viking Range/cooktop), center island, pantry and large breakfast nook. Upstairs laundry...4th bedroom currently being used as office/loft. Carlsbad's Greystone on the Park is a fabulous location close to all.
To view this 4 bedroom Carlsbad home in Greystone on the Park, contact Jackie Bendix with Real Living Lifestyles by calling 760-214-3898. Arrange financing with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 today.
Features List
Carlsbad Unified
Cul-De-Sac
Vaulted Ceilings
Fireplace
Viking Range/Cooktop
Kitchen Island
4 Bedrooms
2.5 Baths
1932 Square Feet
Attached Garage
Single Family Home
La Costa Canyon High
Equal Housing Opportunity.
Real Living Lifestyles : 1905 Calle Barcelona #230 - Carlsbad CA 92009 : (760)214-3898
Near Aviara Oaks Elementary School Aviara's Premier Neighborhood Of Mar Fiore Carlsbad 5 Bedroom Home For Sale
Located in the premier Aviara neighborhood of Mar Fiore Near Aviara Oaks Elementary School, this immaculate 5 bedroom 3.5 bath home offers soaring ceilings with an open floor plan and one of the largest great rooms you will see. This 5 bedroom Mar Fiore house Near Aviara Oaks Elementary School is an entertainer's delight.
The pool sized view yard features a built-in fireplace and seating area. The large remodeled kitchen has granite countertops and new stainless steel appliances. The large downstairs bedroom (currently used as an office) of this Mar Fiore 5 bedroom home Near Aviara Oaks Elementary School has an en-suite bathroom.
Located at 7224 Calidris Lane, Carlsbad CA 92011, this Mar Fiore home is near freeway access, beaches, Park Hyatt, top schools such as Carlsbad High School and Aviara Oaks Elementary. Views, views, views!
To view this wonderful 5 bedroom Mar Fiore home Near Aviara Oaks Elementary School, contact Patricia Smith with Windermere Real Estate SoCal at 760-576-6632. Arrange financing with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 today.
Located in the premier Aviara neighborhood of Mar Fiore, this immaculate 5 bedroom 3.5 bath home offers soaring ceilings with an open floor plan and one of the largest great rooms you will see.
This 5 bedroom Mar Fiore house is an entertainer's delight. The pool sized view yard features a built-in fireplace and seating area. The large remodeled kitchen has granite countertops and new stainless steel appliances. The large downstairs bedroom (currently used as an office) of this Mar Firoe home has an en-suite bathroom.
Mar Fiore is located near freeway access, beaches, Park Hyatt, top schools such as Carlsbad High School and Aviara Oaks Elementary. Views, views, views!
To view this wonderful 5 bedroom Mar Fiore home, contact Patricia Smith with Windermere Real Estate SoCal at 760-576-6632. Arrange financing with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 today.
Features List
Aviara's Mar Fiore
Carlsbad CA
5 Bedrooms
3.5 Baths
Low HOA's
Low Mello Roos
Multiple Fireplaces
Large Lot
3,934 Square Feet
Single Family Home
Attached Garage
Views
Remodeled Kitchen
Granite Countertops
Ocean Close
Equal Housing Opportunity.
Windermere Real Estate SoCal : 124 Lomas Santa Fe - Solana Beach CA 92075 : (760)576-6632
Aviara's Premier Neighborhood Of Mar Fiore Carlsbad 5 Bedroom Home For Sale
Located in the premier Aviara neighborhood of Mar Fiore, this immaculate 5 bedroom 3.5 bath home offers soaring ceilings with an open floor plan and one of the largest great rooms you will see. This 5 bedroom Mar Fiore house is an entertainer's delight.
The pool sized view yard features a built-in fireplace and seating area. The large remodeled kitchen has granite countertops and new stainless steel appliances. The large downstairs bedroom (currently used as an office) of this Mar Fiore 5 bedroom home has an en-suite bathroom.
Located at 7224 Calidris Lane, Carlsbad CA 92011, this Mar Fiore home is near freeway access, beaches, Park Hyatt, top schools such as Carlsbad High School and Aviara Oaks Elementary. Views, views, views!
To view this wonderful 5 bedroom Mar Fiore home, contact Patricia Smith with Windermere Real Estate SoCal at 760-576-6632. Arrange financing with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 today.
Located in the premier Aviara neighborhood of Mar Fiore, this immaculate 5 bedroom 3.5 bath home offers soaring ceilings with an open floor plan and one of the largest great rooms you will see.
This 5 bedroom Mar Fiore house is an entertainer's delight. The pool sized view yard features a built-in fireplace and seating area. The large remodeled kitchen has granite countertops and new stainless steel appliances. The large downstairs bedroom (currently used as an office) of this Mar Firoe home has an en-suite bathroom.
Mar Fiore is located near freeway access, beaches, Park Hyatt, top schools such as Carlsbad High School and Aviara Oaks Elementary. Views, views, views!
To view this wonderful 5 bedroom Mar Fiore home, contact Patricia Smith with Windermere Real Estate SoCal at 760-576-6632. Arrange financing with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 today.
Features List
Aviara's Mar Fiore
Carlsbad CA
5 Bedrooms
3.5 Baths
Low HOA's
Low Mello Roos
Multiple Fireplaces
Large Lot
3,934 Square Feet
Single Family Home
Attached Garage
Views
Remodeled Kitchen
Granite Countertops
Ocean Close
Equal Housing Opportunity.
Windermere Real Estate SoCal : 124 Lomas Santa Fe - Solana Beach CA 92075 : (760)576-6632
Near Felicita Elementary School 4 Bedroom Southwest Escondido Home With Pool And Views
Views, Views, Views from this 4 bedroom Southwest Escondido home Near Felicita Elementary School. This property is located in a great Escondido neighborhood with other great over sized impressive homes. The home boasts newer windows, vinyl flooring, a downstairs fourth bedroom with its own bath and a separate entrance.
Located at 1066 Pinecrest Avenue, Escondido CA 92025, schools include Felicita Elementary School, Del Dios Middle School, and Orange Glen High School.
This 4 bedroom home in Southwest Escondido Near Felicita Elementary School is situated on a large lot and features a wonderful backyard for entertaining. The pool has a great eastern view of Escondido, and has a huge bonus pool house. Don't miss out on this one. Buyer to verify all before close of escrow.
To view this Southwest Escondido Near Felicita Elementary School home, contact the Zavala Team at 760-414-2272. For financing questions, contact Kevin Kueneke with AmeriFirst Financial by calling 760-500-1919 today.
Views, Views, Views from this 4 bedroom Southwest Escondido home. This property is located in a great neighborhood with other great over sized impressive homes. The home boasts newer windows, vinyl flooring, a downstairs fourth bedroom with its own bath and a separate entrance.
This 4 bedroom home in Southwest Escondido is situated on a large lot and features a wonderful backyard for entertaining. The pool has a great eastern view of Escondido, and has a huge bonus pool house. Don't miss out on this one. Buyer to verify all before close of escrow.
To view this Southwest Escondido home, contact the Zavala Team at 760-414-2272. For financing questions, contact Kevin Kueneke with AmeriFirst Financial by calling 760-500-1919 today.
Features List
4 Bedroom Home
3 Full Baths
SW Escondido
Large Lot
2 Car Garage
Central Air
Pool
Views
Huge Pool House
Vinyl Flooring
Newer Windows
1,814 Square Feet
Equal Housing Opportunity.
Broadpoint Properties : 220 W. Second Street - Escondido CA 92025 : 760-839-3838
Views, Views, Views 4 Bedroom Southwest Escondido Home
Views, Views, Views from this 4 bedroom Southwest Escondido home. This property is located in a great Escondido neighborhood with other great over sized impressive homes. The home boasts newer windows, vinyl flooring, a downstairs fourth bedroom with its own bath and a separate entrance.
Located at 1066 Pinecrest Avenue, Escondido CA 92025, schools include Felicita Elementary School, Del Dios Middle School, and Orange Glen High School.
This 4 bedroom home in Southwest Escondido is situated on a large lot and features a wonderful backyard for entertaining. The pool has a great eastern view of Escondido, and has a huge bonus pool house. Don't miss out on this one. Buyer to verify all before close of escrow.
To view this Southwest Escondido home, contact the Zavala Team at 760-414-2272. For financing questions, contact Kevin Kueneke with AmeriFirst Financial by calling 760-500-1919 today.
Views, Views, Views from this 4 bedroom Southwest Escondido home. This property is located in a great neighborhood with other great over sized impressive homes. The home boasts newer windows, vinyl flooring, a downstairs fourth bedroom with its own bath and a separate entrance.
This 4 bedroom home in Southwest Escondido is situated on a large lot and features a wonderful backyard for entertaining. The pool has a great eastern view of Escondido, and has a huge bonus pool house. Don't miss out on this one. Buyer to verify all before close of escrow.
To view this Southwest Escondido home, contact the Zavala Team at 760-414-2272. For financing questions, contact Kevin Kueneke with AmeriFirst Financial by calling 760-500-1919 today.
Features List
4 Bedroom Home
3 Full Baths
SW Escondido
Large Lot
2 Car Garage
Central Air
Pool
Views
Huge Pool House
Vinyl Flooring
Newer Windows
1,814 Square Feet
Equal Housing Opportunity.
Broadpoint Properties : 220 W. Second Street - Escondido CA 92025 : 760-839-3838
PreQualify today for this luxurious 5 bedroom Henie Hills Estates home with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919.
Step through the glass and iron front entry doors into warm and cozy luxury. The original home was stripped to the studs and everything was upgraded and replaced. Each room has architectural details that could go unnoticed if you view this home too quickly. This Henie Hills Estates 5 Bedroom home features coffered ceiling and crown molding. Feel the quality of the rough hewn wood floors under your feet. Notice the way the drawers in the cabinetry close and the dovetail construction.
There are other quality construction details in this Henie Hills Estates 5 bedroom home you will never see but you can feel in the overall quiet solidness of this home. No expense was spared from floor to ceiling in this complete 2006 re-build and addition.
This Henie Hills 5 bedroom luxury home also features inviting lush tropical grounds on .59 of an acre with saltwater pool and spa are perfect for family fun and entertaining. The home is multi-generational with two master suites and a completely separate office-studio. The Downsview kitchen of this 5 bedroom Henie Hills Estates home is the pinnacle of gourmet design! Gorgeous cabinetry, top of the line appliances, beautiful granite countertops, any cook would be thrilled to operate in this work space that overlooks the pool.
Located at 1933 Valley Road, Oceanside CA 92056 and within a few minutes of the beach, you can take advantage of the cool ocean breezes. Easy access to Interstate 5 and Highway 78.
PRICE REDUCTION $1,075,000. Step through the glass and iron front entry doors into warm and cozy luxury. The original home was stripped to the studs and everything was upgraded and replaced. Each room has architectural details that could go unnoticed if you view this home too quickly. This Henie Hills Estates 5 Bedroom home features coffered ceiling and crown molding.
Feel the quality of the rough hewn wood floors under your feet. Notice the way the drawers in the cabinetry close and the dovetail construction. There are other quality construction details in this Henie Hills Estates 5 bedroom home you will never see but you can feel in the overall quiet solidness of this home. No expense was spared from floor to ceiling in this complete 2006 re-build and addition. This Henie Hills 5 bedroom luxury home also features inviting lush tropical grounds on .59 of an acre with saltwater pool and spa are perfect for family fun and entertaining. The home is multi-generational with two master suites and a completely separate office-studio. The Downsview kitchen is the pinnacle of gourmet design!
Gorgeous cabinetry, top of the line appliances, beautiful granite countertops, any cook would be thrilled to operate in this work space that overlooks the pool. Within a few minutes of the beach you can take advantage of the cool ocean breezes. Easy access to Interstate 5 and Highway 78.
Features List
Henie Hills Estates
5 Bedroom Home
Oceanside Home
5.5 Bath Home
0.59 Acre Lot
Pool And Spa
Coffered Ceilings
Ocean Close
Newly Remodeled
Granite Countertops
Gourmet Kitchen
Hardwood Floors
Low HOA
3 Car Garage
Luxury Home
Attached Garage
Fireplace In Master
5400 Square Feet
Large Lot
Dual Master Suites
Detached Home
Equal Housing Opportunity.
Century 21 Award :
2382 Faraday Avenue #160 -
Carlsbad
CA
92008
: (760)468-5642
PRICE REDUCTION Walking Distance To Escondido High School, Gorgeous Escondido Hills 3 Bedroom Home For Sale
PRICE REDUCTION. Absolutely gorgeous single family detached home in the community of Escondido Hills. This extremely well maintained home features 3 bedrooms with a bonus room, 2 full bathrooms, and one half bathroom. There is also the option of making the bonus room a downstairs master with a full bath.
There is a fireplace in the living room and an attached 2 car garage. The Escondido Hills area is full of walking trails and the community has 2 pools. Located at 262 Skyridge Lane, Escondido CA 92026, this Escondido Hills 3 bedroom home near Escondido High School has beautiful mountain views from the living room.
Schools for this Escondido Hills 3 bedroom home include North Broadway Elementary School, Rincon Middle School, and Escondido High School. This is a must see!!
To view this Escondido Hills home near Escondido High School contact Christine Kueneke with Windermere Real Estate SoCal at 760-613-1626. PreQualify today to buy this Escondido Hills 3 bedroom home near Escondido High School with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
PRICE REDUCTION. Absolutely gorgeous single family detached home in the community of Escondido Hills. This extremely well maintained home which is in walking distance to Escondido High School features 3 bedrooms with a bonus room, and with the option of making the bonus room a downstairs master with a full bath.
The Escondido Hills area is full of walking trails and the community has 2 pools. This home has beautiful mountain views from the living room. This is a must see!!
To view this Escondido Hills home contact Christine Kueneke with Windermere Real Estate SoCal at 760-613-1626. PreQualify today to buy this Escondido Hills home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
Features List
Escondido Hills
3 Bedroom Home
2.5 Bath Home
Single Family
Detached Home
1,766 Square Feet
Escondido CA
Low HOA's
Community Pools
Walking Trails
Attached Garage
Mountain Views
MLS #110045074
Fireplace
Equal Housing Opportunity.
Windermere Real Estate SoCal :
124 Lomas Santa Fe Suite 206 -
Solana Beach
CA
92075
: (760) 613-1626
Fallbrook Single Level Country Charmer 3 Bedroom Fallbrook Home For Sale
Single-level 3 bedroom Fallbrook country charmer on approximately 1/3 acre! STANDARD SALE... quick response time. The privately gated courtyard leads to a pristine, custom built, 3 bedroom Fallbrook home that exudes pride of ownership with open beam ceilings, fresh paint, and new baseboards.
Enjoy the private patio with portico of this 3 bedroom Fallbrook home and lovely mature landscaping with an assortment of fruit trees. Spacious living room with wood burning fireplace and custom built-in book shelves. 2-car attached garage room for RV parking. Close to downtown Fallbrook! Must see to truly appreciate. Seller will entertain offers from $299,000 to $345,000.
To view this Fallbrook home contact Barbara Martin with Coldwell Banker by calling 760-271-2710. PreQualify to purchase this 3 bedroom Fallbrook home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 today.
Single-level 3 bedroom Fallbrook country charmer on approximately 1/3 acre! STANDARD SALE... quick response time. The privately gated courtyard leads to a pristine, custom built, 3 bedroom Fallbrook home that exudes pride of ownership with open beam ceilings, fresh paint, and new baseboards.
Enjoy the private patio with portico of this 3 bedroom Fallbrook home and lovely mature landscaping with an assortment of fruit trees. Spacious living room with wood burning fireplace and custom built-in book shelves. 2-car attached garage room for RV parking. Close to downtown Fallbrook! Must see to truly appreciate. Seller will entertain offers from $299,000 to $345,000.
To view this home contact Barbara Martin with Coldwell Banker by calling 760-271-2710. PreQualify to purchase this 3 bedroom Fallbrook home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919 today.
Features List
Fallbrook Home
Large Lot
3 Bedroom 2 Bath
2 Car Garage
Fireplace
Fruit Trees
Private Patio
Open Beam Ceilings
Standard Sale
Single Story
Detached Home
Attached Garage
RV Parking
1,604 Square Feet
No HOA's
Equal Housing Opportunity.
Coldwell Banker : 162 S. Rancho Santa Fe Road - Olivenhain CA 92024 : (760)271-2710
Near Carlsbad High School - Single Level 3 Bedroom Home In Carlsbad's Montera
Excellent quiet desirable Carlsbad neighborhood of Montara. Single level 3 bedroom home Near Carlsbad High School features many upgrades including tile floors except for carpeted bedrooms. The kitchen features granite slab counters and stainless steel appliances.
This 3 bedroom Montara home in Carlsbad Near Carlsbad High School also has a patio with built-in BBQ grill and a golfer's three hole putting green. Large wide-open family room with fireplace adjoining the beautiful open kitchen with island. Great large dining room for the large family gatherings.
Montara features a community pool and tot lot within walking distance. Located at 3580 Flat Rock, Carlsbad CA 92010, this home is close to excellent Carlsbad such as Hope Elementary and Carlsbad High School.
To view this 3 bedroom single level home in Carlsbad's Montara Near Carlsbad High School , contact Sandra Keirns with Real Living Lifestyles at 760-822-8161. For questions about financing, contact Kevin Kueneke with AmeriFirst Financial at 760-500-1919.
Excellent quiet desirable Carlsbad neighborhood of Montara. Single level 3 bedroom home features many upgrades including tile floors except for carpeted bedrooms. The kitchen features granite slab counters and stainless steel appliances.
This 3 bedroom Montara home in Carlsbad also has a patio with built-in BBQ grill and a golfer's three hole putting green. Large wide-open family room with fireplace adjoining the beautiful open kitchen with island. Great large dining room for the large family gatherings. Montara features a community pool and tot lot within walking distance. Close Excellent Carlsbad Schools.
To view this 3 bedroom single level home in Carlsbad's Montara, contact Sandra Keirns with Real Living Lifestyles at 760-822-8161. For questions about financing, contact Kevin Kueneke with AmeriFirst Financial at 760-500-1919.
Features List
Montara in Carlsbad
3 Bedroom 3 Bath
2 Car Garage
Single Level Home
Granite Countertops
Fireplace
Built-In BBQ
Kitchen Island
Carlsbad Unified
Tile Floors
Stainless Steel
Family Room
Community Pool
Tot Lot
Putting Green
1,675 Square Feet
Carpeted Bedrooms
Short Sale
Equal Housing Opportunity.
Real Living Lifestyles : 300 Carlsbad Village Drive Suite 224 - Carlsbad CA 92008 : (760)822-8161
Carlsbad - Single Level 3 Bedroom Home In Carlsbad's Montera
Excellent quiet desirable Carlsbad neighborhood of Montara. Single level 3 bedroom home features many upgrades including tile floors except for carpeted bedrooms. The kitchen features granite slab counters and stainless steel appliances.
This 3 bedroom Montara home in Carlsbad also has a patio with built-in BBQ grill and a golfer's three hole putting green. Large wide-open family room with fireplace adjoining the beautiful open kitchen with island. Great large dining room for the large family gatherings.
Montara features a community pool and tot lot within walking distance. Located at 3580 Flat Rock, Carlsbad CA 92010, this home is close to excellent Carlsbad such as Hope Elementary and Carlsbad High School.
To view this 3 bedroom single level home in Carlsbad's Montara, contact Sandra Keirns with Real Living Lifestyles at 760-822-8161. For questions about financing, contact Kevin Kueneke with AmeriFirst Financial at 760-500-1919.
Excellent quiet desirable Carlsbad neighborhood of Montara. Single level 3 bedroom home features many upgrades including tile floors except for carpeted bedrooms. The kitchen features granite slab counters and stainless steel appliances.
This 3 bedroom Montara home in Carlsbad also has a patio with built-in BBQ grill and a golfer's three hole putting green. Large wide-open family room with fireplace adjoining the beautiful open kitchen with island. Great large dining room for the large family gatherings. Montara features a community pool and tot lot within walking distance. Close Excellent Carlsbad Schools.
To view this 3 bedroom single level home in Carlsbad's Montara, contact Sandra Keirns with Real Living Lifestyles at 760-822-8161. For questions about financing, contact Kevin Kueneke with AmeriFirst Financial at 760-500-1919.
Features List
Montara in Carlsbad
3 Bedroom 3 Bath
2 Car Garage
Single Level Home
Granite Countertops
Fireplace
Built-In BBQ
Kitchen Island
Carlsbad Unified
Tile Floors
Stainless Steel
Family Room
Community Pool
Tot Lot
Putting Green
1,675 Square Feet
Carpeted Bedrooms
Short Sale
Equal Housing Opportunity.
Real Living Lifestyles : 300 Carlsbad Village Drive Suite 224 - Carlsbad CA 92008 : (760)822-8161
Welcome To This 3 Bedroom Gem In Vista's Cupertino, a tucked away, beautiful, quiet gated community with cul-de-sacs and no pass through traffic.
This 3 BD/2.5BA Cupertino townhome lives like a detached home. Nobody above or below. This home features dramatic windows, a spacious master suite, and private back yard w/ patio. Located at 1841 Morning View Drive, Vista CA 92084. Schools include Foothill Oak Elementary and Vista High School.
The kitchen opens up to the living/dining rooms for a great family environment or entertainers delight. The Vista Cupertino HOA maintains the front yard landscaping. 2 Car garage has a great laundry space, finished walls and epoxy flooring.
The upstairs of this 3 bedroom Cupertino townhome has a Loft/Office area with built-ins. The Cupertino complex features parklike grassy areas for kids to play and has doggie station for the pups. Cupertino is a tucked away gem. Welcome home!
To view this great townhome, contact Chris Gorno with Windermere Real Estate SoCal at 619-788-4345. For financing questions about this 3 bedroom Cupertino townhome, contact Kevin Kueneke with Amerifirst Financial at 760-500-1919.
1841 Morning View Drive
Vista, CA 92084
Welcome To This 3 Bedroom Gem In Vista's Cupertino
Welcome To This 3 Bedroom Gem In Vista's Cupertino, a tucked away, beautiful, quiet gated community with cul-de-sacs and no pass through traffic.
This 3 BD/2.5BA Cupertino townhome lives like a detached home. Nobody above or below. This home features dramatic windows, a spacious master suite, and private back yard w/ patio.
The kitchen opens up to the living/dining rooms for a great family environment or entertainers delight. HOA maintains the front yard landscaping. 2 Car garage has a great laundry space, finished walls and epoxy flooring.
The upstairs of this 3 bedroom Cupertino townhome has a Loft/Office area with built-ins. The Cupertino complex features parklike grassy areas for kids to play and has doggie station for the pups. Cupertino is a tucked away gem. Welcome home!
To view this great townhome, contact Chris Gorno with Windermere Real Estate SoCal at 619-788-4345. For financing questions about this 3 bedroom Cupertino townhome, contact Kevin Kueneke with Amerifirst Financial at 760-500-1919.
Features List
Cupertino
3 Bedroom 2.5 Bath
Attached Townhome
Vista CA
2 Car Garage
Living Room
Gated Community
Master Suite
FHA Approved Complex
Attached Garage
1,458 Square Feet
Central Air
Equal Housing Opportunity.
Windermere Real Estate SoCal : 124 Lomas Santa Fe Drive Suite 206 - Solana Beach CA 92075 : (619)788-4345
We are fast approaching the deadline for the current High Balance Conforming (Fannie Mae) and Super Conforming (Freddie Mac) loan limits. Effective October 1, 2011, these temporary limits are dropping in many areas including San Diego County.
The current loan limit in San Diego County for single family purchases and refinances is $697,500 for Fannie, Freddie, and FHA loans. However, it is dropping to $546,250. In Los Angeles, Marin, and Orange Counties the current limit of $729,750 is dropping to $625,500.
This information is not new. However, different lenders have set different cut-off dates for taking in loans under the current limits. Some have actually already stopped accepting loans that exceed the limits that will go into effect on October 1st.
AmeriFirst Financial is still accepting these loans and will do so until mid-September. However, all loans under the "old" limits must close by September 30, 2011. NO EXCEPTIONS.
So, if you are purchasing or refinacing a home in California and having trouble with your lender because your loan amount will be too high after 9/30, give me call. I can probably help.
Walking Distance To Escondido High School, Gorgeous Escondido Hills 3 Bedroom Home For Sale
Absolutely gorgeous single family detached home in the community of Escondido Hills. This extremely well maintained home features 3 bedrooms with a bonus room, 2 full bathrooms, and one half bathroom. There is also the option of making the bonus room a downstairs master with a full bath.
There is a fireplace in the living room and an attached 2 car garage. The Escondido Hills area is full of walking trails and the community has 2 pools. Located at 262 Skyridge Lane, Escondido CA 92026, this Escondido Hills 3 bedroom home near Escondido High School has beautiful mountain views from the living room.
Schools for this Escondido Hills 3 bedroom home include North Broadway Elementary School, Rincon Middle School, and Escondido High School. This is a must see!! Seller will entertain offers from $299,900 to $332,500.
To view this Escondido Hills home near Escondido High School contact Christine Kueneke with Windermere Real Estate SoCal at 760-613-1626. PreQualify today to buy this Escondido Hills 3 bedroom home near Escondido High School with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
Absolutely gorgeous single family detached home in the community of Escondido Hills. This extremely well maintained home which is in walking distance to Escondido High School features 3 bedrooms with a bonus room, and with the option of making the bonus room a downstairs master with a full bath. Seller will entertain offers from $299,900 to $332,500.
The Escondido Hills area is full of walking trails and the community has 2 pools. This home has beautiful mountain views from the living room. This is a must see!!
To view this Escondido Hills home contact Christine Kueneke with Windermere Real Estate SoCal at 760-613-1626. PreQualify today to buy this Escondido Hills home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
Features List
Escondido Hills
3 Bedroom Home
2.5 Bath Home
Single Family
Detached Home
1,766 Square Feet
Escondido CA
Low HOA's
Community Pools
Walking Trails
Attached Garage
Mountain Views
MLS #110045074
Fireplace
Equal Housing Opportunity.
Windermere Real Estate SoCal :
124 Lomas Santa Fe Suite 206 -
Solana Beach
CA
92075
: (760) 613-1626
Pacific Beach, Newer Construction Home 4 Blocks To The Ocean!
This newer construction 3BR/3.5BA Pacific Beach home is only 4 blocks to the beach and 3 blocks to the Bay. Gourmet kitchen with Viking range/oven. Kitchen Aid fridge.
Lots of outdoor living space with private front patio, large 2nd floor sundeck. This 3 bedroom Pacific Beach home also features a roof top deck plumbed for sink, bar, & grill! Enjoy panoramic views of Pacific Beach to the ocean from the roof-top deck!
The property also has a 2-car garage/car-port. Located at 1124 Thomas Avenue, San Diego CA 92109. Schools for this 3 bedroom Pacific Beach home include Pacific Beach Elementary, Pacific Beach Middle School, and Mission Bay High School.
To see this 3 bedroom Pacific Beach home, contact Matt Eller with RE/MAX Associates at (858)735-8661. PreQualify today with Kevin Kueneke of AmeriFirst Financial by calling (760)500-1919.
This newer construction 3BR/3.5BA Pacific Beach home is only 4 blocks to the beach and 3 blocks to the Bay. Gourmet kitchen with Viking range/oven. Kitchen Aid fridge. Lots of outdoor living space with private front patio, large 2nd floor sundeck.
This 3 bedroom Pacific Beach home also features a roof top deck plumbed for sink, bar, & grill! Enjoy panoramic views of Pacific Beach to the ocean from the roof-top deck! The property also has a 2-car garage/car-port.
Located at 1124 Thomas Avenue, San Diego CA 92109. Schools for this 3 bedroom Pacific Beach home include Pacific Beach Elementary, Pacific Beach Middle School, and Mission Bay High School.
To see this 3 bedroom Pacific Beach home, contact Matt Eller with RE/MAX Associates at (858)735-8661. PreQualify today with Kevin Kueneke of AmeriFirst Financial by calling (760)500-1919.
Features List
4 Blocks to Ocean
Panoramic PB Views
3 Blocks to Bay
Gourmet Kitchen
3BR / 3.5BA
Newer Construction
Pacific Beach
Viking Range
Kitchen Aid Fridge
Roof Top Deck
Outdoor Living
2-Car Garage
2nd Floor Sundeck
2294 Sq Ft
Private Front Patio
Equal Housing Opportunity.
RE/MAX Associates : 1010 Prospect Street, Suite 300 - La Jolla CA 92037 : 858-735-8661
Many borrowers have assets, but their income is not sufficient to qualify for a loan. Maybe the borrower is self-employed and their tax returns do not indicate enough. Or maybe the borrower is recently retired has had a dramatic income reduction. Asset Depletion is a way for an underwriter to use a borrower’s assets to provide more income to qualify.
After all, the borrower’s assets are in an income bearing vehicle, like checking, savings or money market accounts, or stocks, bonds and mutual funds…the assets are working for the borrower and generating income. We can use those assets to help the borrower qualify.
Although this makes perfect sense, it is highly irregular for an underwriter to approve a borrower using assets as income. However, our underwriters understand the logic in approving a borrower who has demonstrated their ability to save and accumulate assets. Asset Depletion is simply an Underwriter’s tool to apply more qualifying income by calculating a return on the borrower’s “liquidable” assets.
EXAMPLE 1: 43-YEAR OLD BORROWER:
ØBorrower’s income is $5,000/month but DTI is too high to qualify.
ØBorrower has $1,000,000 in liquid assets.
ØThe underwriter uses Asset Depletion to help with the DTI by running a mortgage calculation at 5% over a 30 year amortization on the borrower’s $1,000,000 assets. Why a 30-year amortization? Because the borrower’s age (40) subtracted from 85 is more than 30 years.
ØCalculation: $1,000,000 at 5% over a 30-year amortization:
Result: $5,368/month additional income for qualifying purposes…put this on the 1003 under “Other Income”. This amount is added to his existing $5,000 income so now he has $10,368/month for qualifying purposes.
EXAMPLE 2: 73-YEAR OLD BORROWER:
ØBorrower’s income is $5,000/month but DTI is too high to qualify.
ØBorrower has $1,000,000 in liquid assets, including a retirement account.
ØThe underwriter uses Asset Depletion to help with the DTI by running a mortgage calculation at 5% over a 12 year amortization on the borrower’s $1,000,000 assets. Why a 12-year amortization? Because the borrower’s age (73) subtracted from 85 equals 12 years. This gives a more favorable calculation for the borrower.
ØCalculation: $1,000,000 at 5% over a 12-year amortization:
Result: $9,250/monthadditional income for qualifying purposes…put this on the 1003 under “Other Income”. This amount is added to his existing $5,000 income so now he has $14,250/month for qualifying purposes.
CALCULATION SPECIFICS:
For use on a mortgage calculator such as an HP 12C…it’s a simple mortgage calculation:
Step 1.Determine the Present Value of the Assets: the total amount of eligible assets, less down payment, less required reserves of 12-months total debt service (PITI on the subject property plus all other payments including auto, credit cards, and other mortgage payments).
·Eligible assets must be cash or cash equivalent, trust funds, investment portfolios (stocks, bonds, mutual funds), and retirement accounts only if the borrower is of retirement age (62).
·Ineligible assets include retirement accounts if the borrower is not of retirement age (62), equity in REO, and private stock.
·No double-dipping…if your borrower is already receiving income from the assets which is reflected on the 1003, then you may not use Asset Depletion on those same assets.However, if the amount currently received is less than calculated with the above formula, the difference may be added (case by case basis).
Step 2.Rate: always use 5% - we could use a higher rate if it was necessary and with evidence that a higher rate is warranted.
Step 3.Amortization: subtract the borrower’s age from 85 and use that as the amortization period but no more than 30 years and no less than 10 years. For example, if the borrower is 61 years old, then the amortization period is 24 years (85-61). If there is more than one borrower, then use the borrower whose name appears on the asset account. If both borrowers’ names are on the asset account, then use the lower age.
Step 4.Resolve for Payment and include on the 1003: the resulting number is then added to the existing income for DTI purposes ��" on the 1003 under “Other Income”.
NOTES:
üThe target DTI is always 40%.
üAsset Depletion can be used on any scenario, at any LTV, and with any product…there is a pricing adjustment applied. Asset Depletion may be used for Foreign Nationals on an exception basis, but in that case the assets must be in U.S. accounts.
üAsset Depletion can be used together with Pledged Assets which I will talk about in another post...
Nice to see some more make-sense underwriting hitting the streets!
Near North Broadway Elementary School Gorgeous Escondido Hills 3 Bedroom Home For Sale
Absolutely gorgeous single family detached home in the community of Escondido Hills. This extremely well maintained home features 3 bedrooms with a bonus room, 2 full bathrooms, and one half bathroom. There is also the option of making the bonus room a downstairs master with a full bath.
There is a fireplace in the living room and an attached 2 car garage. The Escondido Hills area is full of walking trails and the community has 2 pools. Located at 262 Skyridge Lane, Escondido CA 92026, this Escondido Hills 3 bedroom home Near North Broadway Elementary School has beautiful mountain views from the living room.
Schools for this Escondido Hills 3 bedroom home include North Broadway Elementary School, Rincon Middle School, and Escondido High School. This is a must see!! Seller will entertain offers from $299,900 to $332,500.
To view this Escondido Hills home Near North Broadway Elementary School contact Christine Kueneke with Windermere Real Estate SoCal at 760-613-1626. PreQualify today to buy this Escondido Hills 3 bedroom home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
Absolutely gorgeous single family detached home in the community of Escondido Hills. This extremely well maintained home features 3 bedrooms with a bonus room, and with the option of making the bonus room a downstairs master with a full bath. Seller will entertain offers from $299,900 to $332,500.
The Escondido Hills area is full of walking trails and the community has 2 pools. This home has beautiful mountain views from the living room. This is a must see!!
To view this Escondido Hills home contact Christine Kueneke with Windermere Real Estate SoCal at 760-613-1626. PreQualify today to buy this Escondido Hills home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
Features List
Escondido Hills
3 Bedroom Home
2.5 Bath Home
Single Family
Detached Home
1,766 Square Feet
Escondido CA
Low HOA's
Community Pools
Walking Trails
Attached Garage
Mountain Views
MLS #110045074
Equal Housing Opportunity.
Windermere Real Estate SoCal : 124 Lomas Santa Fe Suite 206 - Solana Beach CA 92075 : (760) 613-1626
Absolutely gorgeous single family detached home in the community of Escondido Hills. This extremely well maintained home features 3 bedrooms with a bonus room, 2 full bathrooms, and one half bathroom. There is also the option of making the bonus room a downstairs master with a full bath.
There is a fireplace in the living room and an attached 2 car garage. The Escondido Hills area is full of walking trails and the community has 2 pools. Located at 262 Skyridge Lane, Escondido CA 92026, this Escondido Hills 3 bedroom home has beautiful mountain views from the living room.
Schools for this Escondido Hills 3 bedroom home include North Broadway Elementary School, Rincon Middle School, and Escondido High School. This is a must see!! Seller will entertain offers from $299,900 to $332,500.
To view this Escondido Hills home contact Christine Kueneke with Windermere Real Estate SoCal at 760-613-1626. PreQualify today to buy this Escondido Hills 3 bedroom home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
Absolutely gorgeous single family detached home in the community of Escondido Hills. This extremely well maintained home features 3 bedrooms with a bonus room, and with the option of making the bonus room a downstairs master with a full bath. Seller will entertain offers from $299,900 to $332,500.
The Escondido Hills area is full of walking trails and the community has 2 pools. This home has beautiful mountain views from the living room. This is a must see!!
To view this Escondido Hills home contact Christine Kueneke with Windermere Real Estate SoCal at 760-613-1626. PreQualify today to buy this Escondido Hills home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
Features List
Escondido Hills
3 Bedroom Home
2.5 Bath Home
Single Family
Detached Home
1,766 Square Feet
Escondido CA
Low HOA's
Community Pools
Walking Trails
Attached Garage
Mountain Views
MLS #110045074
Equal Housing Opportunity.
Windermere Real Estate SoCal : 124 Lomas Santa Fe Suite 206 - Solana Beach CA 92075 : (760) 613-1626
If you were paying attention to mortgage rates this week, then you witnessed one of the wildest rides in quite some time. Here is a quick blurb from MSBQuoteline:
"In one of the most volatile weeks ever seen, important economic news came out every day and produced major reactions in financial markets. Investor uncertainty is extremely high, amplifying the price movements. As stock prices fluctuated wildly, so did mortgage rates, which reached new lows for the year.
Into this highly charged environment, a steady flow of significant economic news added fuel to the flames. It began late last Friday with the announcement that S&P downgraded the credit rating of US debt. Then the Fed shocked investors with its statement (see below). A scare ran through financial markets that European banks, particularly in France, were at risk of failing, but these fears abated quickly. Investors were comforted by very strong demand for the 3-year and 10-year Treasury auctions, and then were taken aback by extremely poor results for the 30-year auction. It is not surprising that many financial markets set volatility records this week.
The biggest surprise in Tuesday's FOMC statement was that the Fed currently anticipates that economic conditions will call for the fed funds rate to remain exceptionally low through at least the middle of 2013. The Fed also downgraded its forecast for economic growth, saying that it will be "considerably slower" than previously expected at the last FOMC meeting on June 22. Slower economic growth with few signs of higher inflation will make it more difficult for the labor market to recover, but it is a favorable environment for mortgage rates."
There was a short period yesterday when a FHA 30 year fixed rate of 3.875% was available for ZERO points. That is borderline ridiculous! Let the good times roll.
Oceanside's Pacific Terrace Unobstructed White Water Views From This 3 Bedroom Condo
Unobstructed white water ocean views from this Pacific Terrace 3 bedroom 3.5 bath palatially sixed condo located in the heart of the beloved local coastal area of South Oceanside at famous Buccaneer Beach.
Views of the Pacific all the way to Catalina to the west, Coronado to the south and white capped mountains to the east. This Pacific Terrace property location is unparrallelled with access to bike paths, transit, Oceanside Pier, Oceanside Harbor, restaurants, shopping, and all the Southern California beach area has to offer. WOW factor here!
Located at 1602 S. Pacific Street #175, Oceanside CA 92054. This Pacific Terrace condo in Oceanside features 3 bedrooms and 3.5 bath, a massive 4 car tandem garage, granite slab counters, and custom lighting. Views from the main living area and the master bedroom. Master bath features jacuzzi tub, extra large shower, and ample storage space.
To view this Pacific Terrace condo in Oceanside, contact Susan "Sully" Sullivan today at 760-208-3382. Prequalify to buy this home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
Unobstructed white water ocean views from this Pacific Terrace palatially sixed condo located in the heart of the beloved local coastal area of South Oceanside at famous Buccaneer Beach.
Views of the Pacific all the way to Catalina to the west, Coronado to the south and white capped mountains to the east. This Pacific Terrace property location is unparrallelled with access to bike paths, transit, Oceanside Pier, Oceanside Harbor, restaurants, shopping, and all the Southern California beach area has to offer. WOW factor here!
This Pacific Terrace condo in Oceanside features 3 bedrooms and 3.5 bath, a massive 4 car tandem garage, granite slab counters, and custom lighting. Views from the main living area and the master bedroom. Master bath features jacuzzi tub, extra large shower, and ample storage space.
To view this Pacific Terrace condo in Oceanside, contact Susan "Sully" Sullivan today at 760-208-3382. Prequalify to buy this home with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
Equity Sale in La Costa Cay Live on the La Costa Golf Course In Carlsbad CA
Equity Sale in La Costa Cay. Live on the La Costa Golf Course in Carlsbad CA. Beautiful panoramic golf course views from this spacious La Costa Cay 2 bedroom condo. Loft can be used as a 2nd bedroom or office.
Enjoy the golf course views from the loft, living room, dining room and kitchen. This La Costa Cay 2 bedroom condo is located just a few minutes from the freeway, shopping, and the beach. The La Costa Cay complex also features a community pool, spa, and elevator.
Located at 2564 Navarra Drive #207, Carlsbad CA 92009, this La Costa Cay condo is move-in ready.
To view this La Costa Cay 2 bedroom condo, contact Christine Kueneke with Windermere Real Estate SoCal at 760-613-1626. PreQualify today with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919. La Costa Cay 2 Bedroom Condo, Carlsbad CA.
Equity Sale in La Costa Cay. Live on the La Costa golf course. Beautiful panoramic golf course views from this spacious La Costa Cay 2 bedroom condo. Loft can be used as a 2nd bedroom or office. Enjoy the views from the loft, living room, dining room and kitchen.
This La Costa Cay condo is located just a few minutes from the freeway, shopping, and the beach. The complex also features a community pool, spa, and elevator.
To view this La Costa Cay 2 bedroom condo, contact Christine Kueneke with Windermere Real Estate SoCal at 760-613-1626. PreQualify today with Kevin Kueneke of AmeriFirst Financial by calling 760-500-1919.
Features List
La Costa Cay
2 Bedroom Condo
1.5 Bath Condo
Golf Course Views
Spacious Loft
Community Pool
Central Air
Kitchen
1367 Square Feet
San Dieguito Union
Office
Equity Sale
Balcony
Fireplace
Living Room
Equal Housing Opportunity.
Windermere Real Estate SoCal : Solana Beach CA 92075 : (760) 613-1626
So, you want to purchase San Diego County real estate. You and your real estate agent have scoured the neighborhoods for the right size home, the right schools, maybe even a community pool. For what you want, maybe the prices are in the low- to mid-$700's. You have 3.5% down payment, or 5% down payment, or even 10% down payment.
Guess what...if you do not close by September 30, 2011, you will not be able to purchase that home without a full 20% down payment. Why? Because the current High Balance Conforming (Fannie Mae), Super Conforming (Freddie Mac), and FHA Jumbo loan limits are dropping from $697,500 to $546,250 for San Diego County loans that close October 1, 2011 or later.
Nationally, the loan limit drop is expected to have a minimal effect on housing. However, about one fifth of my monthly closings exceed this new lower loan limit.
And, even if you have 20% down payment, but your loan exceeds the new lower limit of $546,250 you will most likely pay a higher rate than you would today for the same loan balance. That is because any loan amount that exceeds this number will be considered a true Jumbo loan, thereby carrying higher rates and usually more strict qualifying guidelines.
Other "High Cost" areas, such as Los Angeles, San Francisco, and Orange County CA, currently have high balance and FHA Jumbo loan limits of $729,750. These limits will be dropping to $625,500.
This is not the end of the world. Just a quick kick in the pants, especially if you are planning on purchasing in the next two months. If you are looking to purchase anywhere in California, I can help with your financing. Please feel free to give me a call at 760-500-1919.
Near Carlsbad High School, Newer Executive Family 4 Bedroom Home In Olde Carlsbad
Buy this Newer Executive Family 4 bedroom home in Olde Carlsbad Near Carlsbad High School, large garage with third bay converted to work shop/play area, epoxy flooring and tons of storage space. Entry boasts dramatic vaulted ceilings and custom tile.
The living room of this 4 bedroom Olde Carlsbad home Near Carlsbad High School features remote control blinds, fireplace and lots of great light. Gourmet Kitchen with Island featuring granite slab countertops. This 4 bedroom Olde Carlsbad home Near Carlsbad High School has spacious secondary rooms and lavish master suite with spa bathroom. Dual A/C, open floor plan, private backyard with firepit and lush landscape and dog run for your favorite fur people!
Located at 1450 Chestnut Avenue, Carlsbad CA 92008, and a half block from prestigious Highland Drive in coveted Olde Carlsbad within walking distance to Carlsbad High School, the Jr High and Elementary Schools. If you don't want to give up modern amenities of a custom executive home, but want to live close to the Village in Olde Carlsbad, then look no further. No HOA or Mello Roos.
To view this 4 bedroom Olde Carlsbad home Near Carlsbad High School contact Susan "Sully" Sullivan with Beachside Realty at 760-208-3382 or email: beachsidesully@gmail.com
Newer Executive Family 4 bedroom home in Olde Carlsbad Near Carlsbad High School, large garage with third bay converted to work shop/play area, epoxy flooring and tons of storage space. Entry boasts dramatic vaulted ceilings and custom tile. The living room of this 4 bedroom Olde Carlsbad home features remote control blinds, fireplace and lots of great light.
Gourmet Kitchen with Island featuring granite slab countertops. This 4 bedroom Olde Carlsbad home has spacious secondary rooms and lavish master suite with spa bathroom. Dual A/C, open floor plan, private backyard with firepit and lush landscape and dog run for your favorite fur people!
Half block from prestigious Highland Drive in coveted Olde Carlsbad within walking distance to the High School, Jr High and Elementary Schools. If you don't want to give up modern amenities of a custom executive home, but want to live close to the Village in Olde Carlsbad, then look no further. No HOA or Mello Roos.
To view this 4 bedroom Olde Carlsbad home contact Susan "Sully" Sullivan with Beachside Realty at 760-208-3382 or email: beachsidesully@gmail.com
PreQualify today with Kevin Kueneke of AmeriFirst Financial, Carlsbad Mortgage Expert, by calling 760-500-1919.
Newer Executive Family 4 Bedroom Home In Olde Carlsbad
Buy this Newer Executive Family 4 bedroom home in Olde Carlsbad, large garage with third bay converted to work shop/play area, epoxy flooring and tons of storage space. Entry boasts dramatic vaulted ceilings and custom tile.
The living room of this 4 bedroom Olde Carlsbad home features remote control blinds, fireplace and lots of great light. Gourmet Kitchen with Island featuring granite slab countertops. This 4 bedroom Olde Carlsbad home has spacious secondary rooms and lavish master suite with spa bathroom. Dual A/C, open floor plan, private backyard with firepit and lush landscape and dog run for your favorite fur people!
Located at 1450 Chestnut Avenue, Carlsbad CA 92008, and a half block from prestigious Highland Drive in coveted Olde Carlsbad within walking distance to Carlsbad High School, the Jr High and Elementary Schools. If you don't want to give up modern amenities of a custom executive home, but want to live close to the Village in Olde Carlsbad, then look no further. No HOA or Mello Roos.
To view this 4 bedroom Olde Carlsbad home contact Susan "Sully" Sullivan with Beachside Realty at 760-208-3382 or email: beachsidesully@gmail.com
Newer Executive Family 4 bedroom home in Olde Carlsbad, large garage with third bay converted to work shop/play area, epoxy flooring and tons of storage space. Entry boasts dramatic vaulted ceilings and custom tile. The living room of this 4 bedroom Olde Carlsbad home features remote control blinds, fireplace and lots of great light.
Gourmet Kitchen with Island featuring granite slab countertops. This 4 bedroom Olde Carlsbad home has spacious secondary rooms and lavish master suite with spa bathroom. Dual A/C, open floor plan, private backyard with firepit and lush landscape and dog run for your favorite fur people!
Half block from prestigious Highland Drive in coveted Olde Carlsbad within walking distance to the High School, Jr High and Elementary Schools. If you don't want to give up modern amenities of a custom executive home, but want to live close to the Village in Olde Carlsbad, then look no further. No HOA or Mello Roos.
To view this 4 bedroom Olde Carlsbad home contact Susan "Sully" Sullivan with Beachside Realty at 760-208-3382 or email: beachsidesully@gmail.com
PreQualify today with Kevin Kueneke of AmeriFirst Financial, Carlsbad Mortgage Expert, by calling 760-500-1919.
Ocean Knoll Elementary, Spyglass In Encinitas Single Level Spyglass 4 Bedroom Home On Cul-De-Sac
PreQualify to purchase this 4 bedroom Spyglass home near Ocean Knoll Elementary School in Encinitas with Kevin Kueneke, AmeriFirst Financial loan officer Encinitas CA, by calling 760-500-1919 today.
Welcome to this spacious single level 4 bedroom home located in the wonderful Encinitas community of Spyglass and near Ocean Knoll Elementary School. The kitchen is the heart of this Spyglass home and is completely remodeled with Oak cabinets, granite counter tops, built in wine racks along with a built in desk and book shelf that look out onto the green garden. It is a dream!
This 4 bedroom Spyglass home near Ocean Knoll Elementary School also features vaulted ceilings that open from the gourmet kitchen to the family room, and dining room which is perfect for entertaining. This Spyglass home boasts 4 comfortable bedrooms, 3 full baths, and an over sized great room.
The large backyard of this Spyglass Encinitas home near Ocean Knoll Elementary School wraps around and opens to a large play area along with an awesome space for gardening. The spiral stairs lead up to an ideal office space. There are also 2 fireplaces, a den, a 2 car attached garage, and the large yard is fully fenced.
Located at 1306 Calle Scott, Encinitas CA 92024, this 4 bedroom Spyglass home near Ocean Knoll Elementary School is offered from $679,900 to $699,900 and is ready to sell.
To view this wonderful Spyglass home, contact Shannon Van Wyk with Loree Nichols & Associates at 760-889-1478 or email: SVanWyk@SellREOassets.com
1306 Calle Scott
Encinitas, CA 92024
Single Level Spyglass 4 Bedroom Home On Cul-De-Sac
Welcome to this spacious single level 4 bedroom home located in the wonderful Encinitas community of Spyglass. The kitchen is the heart of this Spyglass home and is completely remodeled with Oak cabinets, granite counter tops, built in wine racks along with a built in desk and book shelf that look out onto the green garden. It is a dream!
This 4 bedroom Spyglass home also features vaulted ceilings that open from the gourmet kitchen to the family room, and dining room which is perfect for entertaining. This Spyglass home boasts 4 comfortable bedrooms, 3 full baths, and an over sized great room.
The large backyard of this Spyglass Encinitas home wraps around and opens to a large play area along with an awesome space for gardening. The spiral stairs lead up to an ideal office space. There are also 2 fireplaces, a den, a 2 car attached garage, and the large yard is fully fenced.
Located at 1306 Calle Scott, Encinitas CA 92024, this 4 bedroom Spyglass home is offered from $679,900 to $699,900 and is ready to sell. To view this wonderful Spyglass home, contact Shannon Van Wyk with Loree Nichols & Associates at 760-889-1478 or email: SVanWyk@SellREOassets.com
PreQualify to purchase this 4 bedroom Spyglass Encinitas home with Kevin Kueneke, AmeriFirst Financial loan officer, by calling 760-500-1919 today.
Welcome to this spacious single level 4 bedroom home located in the wonderful Encinitas community of Spyglass. The kitchen is the heart of this Spyglass home and is completely remodeled with Oak cabinets, granite counter tops, built in wine racks along with a built in desk and book shelf that look out onto the green garden. It is a dream!
This 4 bedroom Spyglass home also features vaulted ceilings that open from the gourmet kitchen to the family room, and dining room which is perfect for entertaining. This Spyglass home boasts 4 comfortable bedrooms, 3 full baths, and an over sized great room.
The large backyard of this Spyglass Encinitas home wraps around and opens to a large play area along with an awesome space for gardening. The spiral stairs lead up to an ideal office space. There are also 2 fireplaces, a den, a 2 car attached garage, and the large yard is fully fenced.
Located at 1306 Calle Scott, Encinitas CA 92024, this 4 bedroom Spyglass home is offered from $679,900 to $699,900 and is ready to sell.
To view this wonderful Spyglass home, contact Shannon Van Wyk with Loree Nichols & Associates at 760-889-1478 or email: SVanWyk@SellREOassets.com
1306 Calle Scott
Encinitas, CA 92024
Single Level Spyglass 4 Bedroom Home On Cul-De-Sac
Welcome to this spacious single level 4 bedroom home located in the wonderful Encinitas community of Spyglass. The kitchen is the heart of this Spyglass home and is completely remodeled with Oak cabinets, granite counter tops, built in wine racks along with a built in desk and book shelf that look out onto the green garden. It is a dream!
This 4 bedroom Spyglass home also features vaulted ceilings that open from the gourmet kitchen to the family room, and dining room which is perfect for entertaining. This Spyglass home boasts 4 comfortable bedrooms, 3 full baths, and an over sized great room.
The large backyard of this Spyglass Encinitas home wraps around and opens to a large play area along with an awesome space for gardening. The spiral stairs lead up to an ideal office space. There are also 2 fireplaces, a den, a 2 car attached garage, and the large yard is fully fenced.
Located at 1306 Calle Scott, Encinitas CA 92024, this 4 bedroom Spyglass home is offered from $679,900 to $699,900 and is ready to sell. To view this wonderful Spyglass home, contact Shannon Van Wyk with Loree Nichols & Associates at 760-889-1478 or email: SVanWyk@SellREOassets.com
PreQualify to purchase this 4 bedroom Spyglass Encinitas home with Kevin Kueneke, AmeriFirst Financial loan officer, by calling 760-500-1919 today.
PreQualify to buy this 3 bedroom Escondido home today with Kevin Kueneke, San Diego Mortgage Expert, AmeriFirst Financial, by calling 760-500-1919 or email: KevinK@AmeriFirst.us
Completely upgraded 3 bedroom Escondido Home for owner's own use and comfort with fantastic attention to every detail and every upgrade imaginable. Fantastic custom kitchen, Bardon Cabinets w/Blum slow close. Convection oven, granite, GE Monogram, Instahot filtered hot and cold drinking water.
This 3 bedroom 2 bath Escondido home features very expensive top of the line upgrades throughout. Gorgeous livingroom fireplace, new carpet, new dual pane windows, new 20x20 tile and new carpet. The home is approximately 1,470 square feet and has a 3 car attached garage.
Bathrooms updated with Moen brushed nickel pressure balanced fixtures. This 3 bedroom Escondido home is move in ready! Located at 2050 Susan Court, Escondido CA 92026. Sellers will entertain offers from $389,000 to $400,000.
To view this 3 bedroom Escondido home contact Steve Innis with Clairemont Realty at 858-922-2410 or email: Steve@ClairemontRealty.com
Completely upgraded 3 bedroom Escondido Home for owner's own use and comfort with fantastic attention to every detail and every upgrade imaginable. Fantastic custom kitchen, Bardon Cabinets w/Blum slow close. Convection oven, granite, GE Monogram, Instahot filtered hot and cold drinking water.
This 3 bedroom Escondido home features very expensive top of the line upgrades throughout. Gorgeous livingroom fireplace, new carpet, new dual pane windows, new 20x20 tile and new carpet. Bathrooms updated with Moen brushed nickel pressure balanced fixtures. This 3 bedroom Escondido home is move in ready!
Sellers will entertain offers from $389,000 to $400,000. To view this 3 bedroom Escondido home contact Steve Innis with Clairemont Realty at 858-922-2410 or email: Steve@ClairemontRealty.com
PreQualify to buy this 3 bedroom Escondido home today with Kevin Kueneke, San Diego Mortgage Expert, AmeriFirst Financial, by calling 760-500-1919 or email: KevinK@AmeriFirst.us
Features List
Escondido CA
3 Bedroom Home
2 Bath Home
Large Lot
Fireplace
Upgraded
Custom Kitchen
Bardon Cabinets
Convection Oven
GE Monogram
InstaHot Filter
New Carpet
Dual Pane Windows
3 Car Garage
No HOA
Single Story Home
Detached
2050 Susan Court
Equal Housing Opportunity.
Clairemont Realty : 1020 Prospect Street Suite 250 - La Jolla CA 92037 : 858-454-5600
Wonderful San Elijo Hills Opportunity! This 4 bedroom San Elijo Hills home is priced to sell at $645,000. Featuring 4 bedrooms and 3 full baths, this San Elijo Hills home is a traditional sale.
The attached garage has room for 3 cars as one bay is a tandem, or use that space for a workout area. This 4 bedroom San Elijo Hills home has a fireplace in the living room, central forced air cooling and heat. Located in the San Marcos Unified School District, this two story 4 bedroom San Elijo Hills gem is move in ready. Available financing types include Conventional, VA, and FHA.
To view this 4 bedroom San Elijo Hills home, contact Dave Henderson with Windermere Real Estate SoCal at 619-889-5511 or email: DaveHenderson@Windermere.com
Wonderful San Elijo Hills Opportunity. This 4 bedroom San Elijo Hills home is priced to sell at $645,000. Featuring 4 bedrooms and 3 full baths, this San Elijo Hills home is a traditional sale.
The attached garage has room for 3 cars as one bay is a tandem, or use that space for a workout area. This 4 bedroom San Elijo Hills home has a fireplace in the living room, central forced air cooling and heat.
Located in the San Marcos Unified School District, thistwo story 4 bedroom San Elijo Hills gem is move in ready. Available financing types include Conventional, VA, and FHA.
To view this 4 bedroom San Elijo Hills home, contact Dave Henderson with Windermere Real Estate SoCal at 619-889-5511 or email: DaveHenderson@Windermere.com
Prequalify today with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919 email: KevinK@AmeriFirst.us
Features List
San Elijo Hills
4 Bedroom Home
3 Bath Home
Low HOA
Fireplace
San Marcos CA
Attached Garage
Living Room
Tandem Garage
Central Air
2 Story
Detached Home
1543 Copper Court
San Marcos Unified
Equity Sale
Equal Housing Opportunity.
Windermere Real Estate SoCal : Solana Beach CA 92075 : (858)345-1377
Welcome To This4 Bedroom Luminara Home In San Elijo Hills!
PreQualify to buy this home today by calling Kevin Kueneke with Amerifirst Financial at 760-500-1919 or email: KevinK@AmeriFirst.us
Featuring an optional fifth bedroom and 3 full baths, this San Elijo Hills home is priced to sell. This 2 story 4 bedroom Luminara home is close to schools and the town center of San Elijo Hills.
Built in 2007, this 4 bedroom Luminara home in San Elijo Hills has central air conditioning, almost 2,500 square feet of living space, and a bedroom and bath on the first floor. Large Kitchen features stainless steel appliances.
To view this wonderful 4 bedroom Luminara home in San Elijo Hills, contact Dave Henderson with Windermere Real Estate SoCal by calling 619-889-5511 or email: DaveHenderson@Windermere.com
Welcome To This 4 Bedroom Luminara Home In San Elijo Hills! Featuring an optional fifth bedroom and 3 full baths, this San Elijo Hills home is priced to sell. This 2 story 4 bedroom Luminara home is close to schools and the town center of San Elijo Hills.
Built in 2007, this 4 bedroom Luminara home in San Elijo Hills has central air conditioning, almost 2,500 square feet of living space, and a bedroom and bath on the first floor. Large Kitchen features stainless steel appliances.
To view this wonderful Luminara home, contact Dave Henderson with Windermere Real Estate SoCal by calling 619-889-5511 or email: DaveHenderson@Windermere.com
PreQualify to buy this home today by calling Kevin Kueneke with Amerifirst Financial at 760-500-1919 or email: KevinK@AmeriFirst.us
Features List
Luminara
San Elijo Hills
San Marcos CA
4 Bedroom 3 Bath
Optional 5th Bedroom
Stainless Steel
1217 Regatta Court
Low HOA
San Marcos Unified
2 Car Garage
Detached Home
Single Family Home
Equal Housing Opportunity.
Windermere Real Estate SoCal : 1Solana Beach CA 92075 : (858)345-1377
Bedrooms Galore In This 5 Bedroom San Elijo Hills Home
Prequalify to buy this home today with Kevin Kueneke of Amerifirst Financial by calling 760-500-1919 or email: KevinK@AmeriFirst.us
Bedrooms Galore In This 5 Bedroom San Elijo Hills Home. 5 bedrooms with 2 optional bedrooms, 4 full baths, and almost a 1/4 acre lot. Lots of space.
This 5 bedroom San Elijo Hills home features a 2 car attached garage, living room, dining room, and gourmet kitchen with stainless steel appliances and granite countertops. Schools are San Marcos Unified.
To see this 5 bedroom San Elijo Hills home contact Dave Henderson with Windermere Real Estate SoCal at 619-889-5511 or email: DaveHenderson@Windermere.com
Bedrooms Galore In This San Elijo Hills Home. 5 bedrooms with 2 optional bedrooms, 4 full baths, and almost a 1/4 acre lot. Lots of space.
This 5 bedroom San Elijo Hills home features a 2 car attached garage, living room, dining room, and gourmet kitchen with stainless steel appliances and granite countertops.
To see this 5 bedroom San Elijo Hills home contact Dave Henderson with Windermere Real Estate SoCal at 619-889-5511 or email: DaveHenderson@Windermere.com
Prequalify to buy this home today with Kevin Kueneke of Amerifirst Financial by calling 760-500-1919 or email: KevinK@AmeriFirst.us
Features List
San Elijo Hills
5 Bedroom Home
4 Full Baths
Large Lot
Fireplace
Detached Home
Gourmet Kitchen
Stainless Steel
Central Air
Pool Sized Lot
726 Leeward Avenue
San Marcos CA
2,830 Square Feet
Opt 2 More Bedrooms
Built In 2006
Equal Housing Opportunity.
Windermere Real Estate SoCal : Solana Beach CA 92075 : (858)345-1377
The main focus this week was the June Employment report. Rising expectations during the week pushed mortgage rates higher ahead of the report. But when the Employment data came in far below expectations, mortgage rates improved significantly and ended the week a little lower.
Against a consensus forecast of 125,000 new jobs, the economy added just 18,000 jobs in June, the lowest level since September 2010. The figures from the prior two months were revised lower by 44,000. The Unemployment Rate rose to 9.2% from 9.1% in May.
Average Hourly Earnings, a proxy for wage growth, were unchanged from May, below the consensus for a rise of 0.2%. In short, economic bright spots were hard to find.
Following a series of stronger than expected economic reports in recent weeks, the Employment report was a surprise. The question for investors is how much weight to place on this report in determining the economic outlook.
Does this mean that the economy is recovering more slowly than previously thought? Or is it that the jobs data simply operates with a small lag? There is little doubt that the US economy slowed during the first half of the year, primarily due to rising oil prices and the Japanese earthquakes.
The impact of these obstacles was expected to be temporary, and nearly all the economic data in recent weeks appeared to support this. This Employment report will certainly make investors more cautious about the pace of future economic growth, but they will not overlook the wide range of other data which suggests that growth is accelerating. With mortgage rates at such low levels, solid evidence of a sustained deterioration in growth likely will be needed for rates to move much lower.
That being said, highly qualified buyers are still seeing 30 year fixed rate mortgages in the mid-4's. True Jumbo financing has also been priced very aggressively recently as more "players" are entering that market.
PreQualify today for this luxurious 5 bedroom Henie Hills Estates home with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919.
Step through the glass and iron front entry doors into warm and cozy luxury. The original home was stripped to the studs and everything was upgraded and replaced. Each room has architectural details that could go unnoticed if you view this home too quickly. This Henie Hills Estates 5 Bedroom home features coffered ceiling and crown molding. Feel the quality of the rough hewn wood floors under your feet. Notice the way the drawers in the cabinetry close and the dovetail construction.
There are other quality construction details in this Henie Hills Estates 5 bedroom home you will never see but you can feel in the overall quiet solidness of this home. No expense was spared from floor to ceiling in this complete 2006 re-build and addition.
This Henie Hills 5 bedroom luxury home also features inviting lush tropical grounds on .59 of an acre with saltwater pool and spa are perfect for family fun and entertaining. The home is multi-generational with two master suites and a completely separate office-studio. The Downsview kitchen of this 5 bedroom Henie Hills Estates home is the pinnacle of gourmet design! Gorgeous cabinetry, top of the line appliances, beautiful granite countertops, any cook would be thrilled to operate in this work space that overlooks the pool.
Located at 1933 Valley Road, Oceanside CA 92056 and within a few minutes of the beach, you can take advantage of the cool ocean breezes. Easy access to Interstate 5 and Highway 78.
PRICE REDUCTION $1,200,000. Step through the glass and iron front entry doors into warm and cozy luxury. The original home was stripped to the studs and everything was upgraded and replaced. Each room has architectural details that could go unnoticed if you view this home too quickly. This Henie Hills Estates 5 Bedroom home features coffered ceiling and crown molding.
Feel the quality of the rough hewn wood floors under your feet. Notice the way the drawers in the cabinetry close and the dovetail construction. There are other quality construction details in this Henie Hills Estates 5 bedroom home you will never see but you can feel in the overall quiet solidness of this home. No expense was spared from floor to ceiling in this complete 2006 re-build and addition. This Henie Hills 5 bedroom luxury home also features inviting lush tropical grounds on .59 of an acre with saltwater pool and spa are perfect for family fun and entertaining. The home is multi-generational with two master suites and a completely separate office-studio. The Downsview kitchen is the pinnacle of gourmet design!
Gorgeous cabinetry, top of the line appliances, beautiful granite countertops, any cook would be thrilled to operate in this work space that overlooks the pool. Within a few minutes of the beach you can take advantage of the cool ocean breezes. Easy access to Interstate 5 and Highway 78.
Features List
Henie Hills Estates
5 Bedroom Home
Oceanside Home
5.5 Bath Home
0.59 Acre Lot
Pool And Spa
Coffered Ceilings
Ocean Close
Newly Remodeled
Granite Countertops
Gourmet Kitchen
Hardwood Floors
Low HOA
3 Car Garage
Luxury Home
Attached Garage
Fireplace In Master
5400 Square Feet
Large Lot
Dual Master Suites
Detached Home
Equal Housing Opportunity.
Century 21 Award : 2382 Faraday Avenue #160 - Carlsbad CA 92008 : (760)468-5642
Totally Remodeled 3 Bedroom South Escondido Home Near Juniper Elementary
Prequalify today for this 3 bedroom South Escondido home Near Juniper Elementary with Kevin Kueneke, San Diego Mortgage Expert by calling 760-500-1919 or visit his website: kevinkloans.com
Totally Remodeled 3 Bedroom South Escondido Home Near Juniper Elementary. Just in time for summer,1755 square feet, 3 bedrooms 2 bath home for sale. Gated, this beautiful property has been totally remodeled.
This beautiful 3 bedroom South Escondido home Near Juniper Elementary features granite counter tops, beautiful kitchen with views to pool and plush lawn, new appliances, new carpet and interior paint, tile kitchen and bathroom floors, wood entry and hallway.
Enjoy summer BBQs on your large back yard of this 3 bedroom South Escondido home Near Juniper Elementary and cool off on your sparkling pool and jacuzzi. Large lot (.68 acres) with mature fruit and shade trees, circular driveway, views from your front yard.
Located at 715 Bear Valley Parkway, Escondido CA 92025, offered for sale at $385,000. Schools include Juniper Elementary School, Bear Valley Middle School, and San Pasqual High School.
To view this 3 bedroom South Escondido home Near Juniper Elementary, contact Al Serrato Jr. with Hanson Realty at 760-525-9223 or email AlSerrato1@netscape.net
Totally Remodeled 3 Bedroom Escondido Home. Just in time for summer,1755 sq ft,3 bedrooms 2 bath home for sale. Gated, this beautiful property has been totally remodeled.
This beautiful 3 bedroom South Escondido home features granite counter tops, beautiful kitchen with views to pool and plush lawn, new appliances, new carpet and interior paint, tile kitchen and bathroom floors, wood entry and hallway.
Enjoy summer BBQs on your large back yard of this 3 bedroom South Escondido home and cool off on your sparkling pool and jacuzzi. Large lot (.68 acres) with mature fruit and shade trees, circular driveway, views from your front yard.
To view this 3 bedroom South Escondido home, contact Al Serrato Jr. with Hanson Realty at 760-525-9223 or email AlSerrato1@netscape.net
Prequalify today with Kevin Kueneke, San Diego Mortgage Expert by calling 760-500-1919 or visit his website: kevinkloans.com
Features List
South Escondido
3 Bedroom Home
2 Bath Home
Remodeled Home
715 Bear Valley Pkwy
1755 Square Feet
Large Lot
Pool
Gated
Granite Countertops
New Appliances
New Carpet
Circular Driveway
San Diego County
Real Estate
Detached Home
Single Family Home
Jacuzzi
Equal Housing Opportunity.
Hanson Real Estate : Escondido CA 92025 : 760-525-9223
Totally Remodeled 3 Bedroom South Escondido Home. Just in time for summer,1755 square feet, 3 bedrooms 2 bath home for sale. Gated, this beautiful property has been totally remodeled.
This beautiful 3 bedroom South Escondido home features granite counter tops, beautiful kitchen with views to pool and plush lawn, new appliances, new carpet and interior paint, tile kitchen and bathroom floors, wood entry and hallway.
Enjoy summer BBQs on your large back yard of this 3 bedroom South Escondido home and cool off on your sparkling pool and jacuzzi. Large lot (.68 acres) with mature fruit and shade trees, circular driveway, views from your front yard.
Located at 715 Bear Valley Parkway, Escondido CA 92025, offered for sale at $385,000. Schools include Juniper Elementary School, Bear Valley Middle School, and San Pasqual High School.
To view this 3 bedroom South Escondido home, contact Al Serrato Jr. with Hanson Realty at 760-525-9223 or email AlSerrato1@netscape.net
Totally Remodeled 3 Bedroom Escondido Home. Just in time for summer,1755 sq ft,3 bedrooms 2 bath home for sale. Gated, this beautiful property has been totally remodeled.
This beautiful 3 bedroom South Escondido home features granite counter tops, beautiful kitchen with views to pool and plush lawn, new appliances, new carpet and interior paint, tile kitchen and bathroom floors, wood entry and hallway.
Enjoy summer BBQs on your large back yard of this 3 bedroom South Escondido home and cool off on your sparkling pool and jacuzzi. Large lot (.68 acres) with mature fruit and shade trees, circular driveway, views from your front yard.
To view this 3 bedroom South Escondido home, contact Al Serrato Jr. with Hanson Realty at 760-525-9223 or email AlSerrato1@netscape.net
Prequalify today with Kevin Kueneke, San Diego Mortgage Expert by calling 760-500-1919 or visit his website: kevinkloans.com
Features List
South Escondido
3 Bedroom Home
2 Bath Home
Remodeled Home
715 Bear Valley Pkwy
1755 Square Feet
Large Lot
Pool
Gated
Granite Countertops
New Appliances
New Carpet
Circular Driveway
San Diego County
Real Estate
Detached Home
Single Family Home
Jacuzzi
Equal Housing Opportunity.
Hanson Real Estate : Escondido CA 92025 : 760-525-9223
Move In Ready Villa La Jolla 1 Bedroom Condo For Sale
Welcome home to Villa La Jolla. This 1 bedroom 1 bath Villa La Jolla condo is a former model, upgraded, and move in ready. First floor unit easy to find and easy to access. Offered from $199,000 to $219,000 and is a Short Sale.
Located at 8666 Via Mallorca #A, La Jolla CA 92037, this 1 bedroom Villa La Jolla condo features a large private patio and upgraded windows. The kitchen of this 1 bedroom Villa La Jolla condo has stainless steel appliances, premium cabinetry, granite countertops, and tile floors.
The Villa La Jolla community features a large community pool, spacious clubhouse, laundry facilities and is conveniently located near freeways, shopping, and the University of California, San Diego.
To view this 1 bedroom Villa La Jolla condo, contact Joey Clement at 858-922-4546 or Matt Eller at 858-735-8661. Visit their website at www.HomesinSD.com
Welcome home to Villa La Jolla. This 1 bedroom 1 bath Villa La Jolla condo is a former model, upgraded, and move in ready. First floor unit easy to find and easy to access. Offered from $199,000 to $219,000 and is a Short Sale.
Located at 8666 Via Mallorca #A, La Jolla CA 92037, this 1 bedroom Villa La Jolla condo features a large private patio and upgraded windows. The kitchen of this 1 bedroom Villa La Jolla condo has stainless steel appliances, premium cabinetry, granite countertops, and tile floors.
The Villa La Jolla community features a large community pool, spacious clubhouse, laundry facilities and is conveniently located near freeways, shopping, and the University of California, San Diego.
To view this 1 bedroom Villa La Jolla condo, contact Joey Clement at 858-922-4546 or Matt Eller at 858-735-8661.
Prequalify today with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919 or visit his website at kevinkloans.com
Features List
Villa La Jolla Condo
La Jolla Condo
8666 Via Mallorca #A
1 Bedroom
1 Bath
Community Pool
Clubhouse
Upgraded
Former Model
Large Patio
First Floor Unit
Granite Countertops
Stainless Steel
Upgraded Windows
Premium Cabinetry
Near UCSD
Laundry Facilities
Exercise Room
Equal Housing Opportunity.
RE/MAX Associates : 1010 Prospect Street - La Jolla CA 92037 : (858) 922-4546
Welcome home to this cozy 1 bedroom 1 bath Mission Verde condo in the Mission Valley area of San Diego. Enjoy a great view of the pool while relaxing on your balcony. The cozy floor plan of this Mission Verde 1 bedroom condo features two levels with upstairs bedroom.
Located at 6111 Rancho Mission Road #306, San Diego CA 92108, this Mission Verde condo is offered from $105,000 to $135,000. This is a short sale and all terms and conditions are subject to lender approval.
The Mission Verde community is conveniently located near shopping, freeways, the University of San Diego, and walking distance to Qualcomm Stadium. This 1 bedroom Mission Verde condo is also just a short drive to beautiful San Diego County beaches.
To view this Mission Verde condo, contact Zoraya and Lisa, Z Best Team In Real Estate, by calling 800-804-0545 or go to www.SanDiegoHomeGalley.com
Pre-Qualify today to purchase this Mission Verde condo with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919.
Features List
Mission Verde Condo
San Diego Condo
1 Bedroom 1 Bath
Pool View
660 Square Feet
2 Stories
Great Location
Short Sale
Cozy Floor Plan
HOA $304 Per Month
Assigned Parking
6111 Rancho Mission
Mission Valley
San Diego Beaches
Central Location
Equal Housing Opportunity.
Keller Williams Realty : 12265 El Camino Real Suite 180 - San Diego CA 92130 : (800)804-0545
Welcome home to this cozy 1 bedroom 1 bath Mission Verde condo in the Mission Valley area of San Diego. Enjoy a great view of the pool while relaxing on your balcony. The cozy floor plan of this Mission Verde 1 bedroom condo features two levels with upstairs bedroom.
Located at 6111 Rancho Mission Road #306, San Diego CA 92108, this Mission Verde condo is offered from $105,000 to $135,000. This is a short sale and all terms and conditions are subject to lender approval.
The Mission Verde community is conveniently located near shopping, freeways, the University of San Diego, and walking distance to Qualcomm Stadium. This 1 bedroom Mission Verde condo is also just a short drive to beautiful San Diego County beaches.
To view this Mission Verde condo, contact Zoraya and Lisa, Z Best Team In Real Estate, by calling 800-804-0545 or go to www.SanDiegoHomeGalley.com
Pre-Qualify today to purchase this Mission Verde condo with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919.
Welcome To The Rolling Hills Of Emerald Heights In Escondido
Sitting on top of the rolling hills of EmeraldHeights in Escondido is this immaculate 4bed/3bath home. The kitchen has a center island and breakfast nook. The views from this 4 bedroom Emerald Heights home go on forever.
With a bedroom and bath downstairs, this 4 bedroom Emerald Heightshome in Escondido also features an attached 3 car garage. Emerald Heights is a gated community in Escondido featuring large pool, tennis courts, and clubhouse.
The yard of this 4 bedroom Emerald Heights home is professionally manicured and landscaped and has a beautiful Patio Cover. Located at 2247 Rock View Glen, Escondido CA 92026, in the San Marcos Unified School District.
To view this 4 bedroom Emerald Heights home, contact Patty Welker with Hanson Realty at 760-822-4417 or email: pattywelker@yahoo.com
Sitting on top of the rolling hills of Emerald Heights in Escondido is this immaculate 4bed/3bath home. The kitchen has a center island and breakfast nook. The views from this 4 bedroom Emerald Heights home go on forever.
With a bedroom and bath downstairs, this 4 bedroom Emerald Heights home also features an attached 3 car garage. Emerald Heights is a gated community in Escondido featuring large pool, tennis courts, and clubhouse.
The yard of this 4 bedroom Emerald Heights home in Escondido is professionally manicured and landscaped and has a beautiful Patio Cover. Located at 2247 Rock View Glen, Escondido CA 92026, in the San Marcos Unified School District.
To view this 4 bedroom Emerald Heights home, contact Patty Welker with Hanson Realty at 760-822-4417 or email: pattywelker@yahoo.com
Near Carmel Creek Elementary, Renovated San Remo 4 Bedroom Home In Carmel Valley
Renovated San Remo 4 Bedroom Home Near Carmel Creek Elementary In San Diego's Carmel Valley. Interior lot with 4 bedrooms, 2.5 baths and freshly painted inside and out. Wide-open spacious floor-plan.
This 4 bedroom San Remo home in Carmel Valley Near Carmel Creek Elementary features new porcelain tile floors throughout and new slab granite kitchen and bathrooms. Two updated fireplaces and vaulted ceilings.
Walk to award winning schools, parks, shopping & entertainment. This 4 bedroom San Remo home in Carmel Valley Near Carmel Creek Elementary is in a quiet neighborhood, features new landscaping and a larger backyard which is great for entertaining.
Located at 4259 Federman Lane, San Diego CA 92130. Schools for this 4 bedroom San Remo home in Carmel Valley include Carmel Creek Elementary School, Carmel Valley Middle School, and Torrey Pines High School.
To view this 4 bedroom San Remo home in Carmel Valley Near Carmel Creek Elementary contact Melina Camey with Prudential California Realty at 858-353-8806 or email: melinacamey@gmail.com
Pre-Qualify today with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919.
Renovated San Remo 4 Bedroom Home In San Diego. Interior lot with 4 bedrooms, 2.5 baths and freshly painted inside and out. Wide-open spacious floor-plan.
This 4 bedroom San Remo home in Carmel Valley features new porcelain tile floors throughout and new slab granite kitchen and bathrooms. Two updated fireplaces and vaulted ceilings.
Located at 4259 Federman Lane, San Diego CA 92130. Walk to award winning schools, parks, shopping & entertainment. This 4 bedroom San Remo home in Carmel Valley is in a quiet neighborhood, features new landscaping and a larger backyard which is great for entertaining.
To view this 4 bedroom San Remo home in Carmel Valley contact Melina Camey with Prudential California Realty at 858-353-8806 or email: melinacamey@gmail.com
Pre-Qualify today with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919.
Features List
San Remo Community
Carmel Valley
4 Bedroom Home
2.5 Bath Home
Fireplaces
Vaulted Ceilings
Large Backyard
Porcelain Tile
4259 Federman Lane
2 Car Garage
Low HOA's
Low Mello Roos
San Dieguito Union
Interior Lot
Open Floor-Plan
Equal Housing Opportunity.
Prudential California Realty : 3790 Via De La Valle Suite 201 - Del Mar CA 92014 : (858)353-8806
There are still some folks that are trying to do mortgage loans and also sell real estate, and vice versa. Please...just...stop. Let's try and do one of those well, not both of those poorly.
I have been licensed by the California Department of Real Estate (DRE) since 1996. This was a requirement to work for a mortgage company that was governed by the DRE. However, the only time that I have actually used my real estate license in a "real estate" sense was when I purchased my own home. The commission came in handy for some new carpet, plumbing, and paint.
Selling homes does not float my boat and I realized that a long time ago. I do mortgage loans...period! Heaven knows why, but there are still some that are trying to sell real estate and mortgage loans. How can anyone keep up with both sides of the industry these days?
If you are able to do both, kudos to you. You are special.
San Diego 3 Bedroom Home In San Carlos Neighborhood
Estate Sale! 3 bedroom 2 bath home in San Carlos area of San Diego. Bright and cheery 3 bedroom San Carlos home with red brick fireplace in family room and ceiling fan in kitchen. The vaulted ceilings of this 3 bedroom San Carlos home give you a more spacious feeling.
Located at 6659 Ballinger Avenue, San Diego CA 92119. This 3 bedroom home is in the great San Diego area of San Carlos. Schools include Gage Elementary School, Pershing Middle School, and Henry High School. The lush backyard of this 3 bedroom San Carlos home features mature trees which provide welcoming shade in the summertime.
Close to schools, parks, and shopping. Great start for a 1st time buyer or a great investment opportunity. To view this 3 bedroom San Carlos home, contact Derk Simonson with Sampson California Realty at 619-534-1904 or email: derk@derk1.com
Pre-Qualify today with Kevin Kueneke, San Diego County Mortgage Expert, by calling 760-500-1919 or emial: kkueneke@primeres.com
Estate Sale! 3 bedroom 2 bath home in San Carlos area of San Diego. Bright and cheery 3 bedroom San Carlos home with red brick fireplace in family room and ceiling fan in kitchen. The vaulted ceilings of this 3 bedroom San Carlos home give you a more spacious feeling.
The lush backyard of this 3 bedroom San Carlos home features mature trees which provide welcoming shade in the summertime. Close to schools, parks, and shopping. Great start for a 1st time buyer or a great investment opportunity.
To view this 3 bedroom San Carlos home, contact Derk Simonson with Sampson California Realty at 619-534-1904 or email: derk@derk1.com
Pre-Qualify today with Kevin Kueneke, San Diego County Mortgage Expert, by calling 760-500-1919 or emial: kkueneke@primeres.com
Features List
San Carlos Home
3 Bedroom Home
2 Bath Home
Fireplace
No HOA's
San Diego Unified
Lush Backyard
Vaulted Ceilings
6659 Ballinger Ave
Single Story Home
2 Car Garage
Detached Home
Attached Garage
Central Air
Ceiling Fan
Equal Housing Opportunity.
Sampson California Realty : 12702 Via Cortina #101 - Del Mar CA 92014 : (619)534-1904
San Diego 3 Bedroom Home In San Carlos Neighborhood Near Gage Elementary School
Estate Sale! 3 bedroom 2 bath home in San Carlos area of San Diego Near Gage Elementary School. Bright and cheery 3 bedroom San Carlos home with red brick fireplace in family room and ceiling fan in kitchen. The vaulted ceilings of this 3 bedroom San Carlos home Near Gage Elementary School give you a more spacious feeling.
Located at 6659 Ballinger Avenue, San Diego CA 92119. Schools include Gage Elementary School, Pershing Middle School, and Henry High School. The lush backyard of this 3 bedroom San Carlos home features mature trees which provide welcoming shade in the summertime.
Close to schools, parks, and shopping. Great start for a 1st time buyer or a great investment opportunity. To view this 3 bedroom San Carlos home Near Gage Elementary School, contact Derk Simonson with Sampson California Realty at 619-534-1904 or email: derk@derk1.com
Pre-Qualify today with Kevin Kueneke, San Diego County Mortgage Expert, by calling 760-500-1919 or emial: kkueneke@primeres.com
Estate Sale! 3 bedroom 2 bath home in San Carlos area of San Diego. Bright and cheery 3 bedroom San Carlos home with red brick fireplace in family room and ceiling fan in kitchen. The vaulted ceilings of this 3 bedroom San Carlos home give you a more spacious feeling.
The lush backyard of this 3 bedroom San Carlos home features mature trees which provide welcoming shade in the summertime. Close to schools, parks, and shopping. Great start for a 1st time buyer or a great investment opportunity.
To view this 3 bedroom San Carlos home, contact Derk Simonson with Sampson California Realty at 619-534-1904 or email: derk@derk1.com
Pre-Qualify today with Kevin Kueneke, San Diego County Mortgage Expert, by calling 760-500-1919 or emial: kkueneke@primeres.com
Features List
San Carlos Home
3 Bedroom Home
2 Bath Home
Fireplace
No HOA's
San Diego Unified
Lush Backyard
Vaulted Ceilings
6659 Ballinger Ave
Single Story Home
2 Car Garage
Detached Home
Attached Garage
Central Air
Ceiling Fan
Equal Housing Opportunity.
Sampson California Realty : 12702 Via Cortina #101 - Del Mar CA 92014 : (619)534-1904
Santa Rosa 4 Bedroom Home In Pacific Highlands Ranch Near Cathedral Catholic High School
Pacific Highlands Ranch Santa Rosa welcomes the home buyer looking to live in a neighborhood of exceptionally fine homes in a premier master-planned coastal community and looking to enjoy an elegant home designed to accommodate an active family.
Located at 13458 Ginger Glen Road, San Diego CA 92130, this Santa Rosa 4 Bedroom home is move-in ready.
This 4 bedroom Santa Rosa home in Pacific Highlands Ranch Near Cathedral Catholic High School features beautiful stone, wood and ironwork. In its coveted location just east of Carmel Valley, master-planned Pacific Highlands Ranch occupies one of San Diego's Best coastal-close locations.
Surrounded by 1,300 acres of preserved natural habitat, this exciting community of Pacific Highlands Ranch Near Cathedral Catholic High School offers its residents a convenient opportunity to enjoy a multi-use trail system for hiking and biking and an open country feel. Among the other many amenities connected with Pacific Highlands Ranch are its highly-ranked school districts (Solana Beach San Dieguito), state-of-the-art private community recreation center and a proposed Village Center which will include a variety of everyday shopping conveniences.
To view this 4 bedroom Santa Rosa home in Pacific Highlands Ranch Near Cathedral Catholic High School, contact Melina Camey with Prudential California at 858-353-8806 or email: melinacamey@gmail.com
Pre-Qualify today with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919 or email: kkueneke@primeres.com
Pacific Highlands Ranch Santa Rosa welcomes the home buyer looking to live in a neighborhood of exceptionally fine homes in a premier master-planned coastal community and looking to enjoy an elegant home designed to accommodate an active family.
This 4 bedroom Santa Rosa home in Pacific Highlands Ranch features beautiful stone, wood and ironwork. In its coveted location just east of Carmel Valley, master-planned Pacific Highlands Ranch occupies one of San Diego's Best coastal-close locations.
Surrounded by 1,300 acres of preserved natural habitat, this exciting community offers its residents a convenient opportunity to enjoy a multi-use trail system for hiking and biking and an open country feel.
Among the other many amenities connected with Pacific Highlands Ranch are its highly-ranked school districts (Solana Beach San Dieguito), state-of-the-art private community recreation center and a proposed Village Center which will include a variety of everyday shopping conveniences.
To view this 4 bedroom Santa Rosa home in Pacific Highlands Ranch, contact Melina Camey with Prudential California at 858-353-8806 or email: melinacamey@gmail.com
Pre-Qualify today with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919 or email: kkueneke@primeres.com
Features List
Santa Rosa Plan
Pacific Highlands
4 Bedroom Home
3 Bath Home
13458 Ginger Glen
Fireplace
Built-In BBQ
Outdoor Fireplace
3 Car Garage
Detached Home
Central Air
Community Pool
Rec Center
Attached Garage
Single Family Home
Equal Housing Opportunity.
Prudential California Realty : 3790 Via De La Valle - Del Mar CA 92014 : (858)353-8806
Santa Rosa 4 Bedroom Home In Pacific Highlands Ranch
Top Floor Corner Unit in Carmel Pointe in Carmel Valley. This 2 bedroom Carmel Pointe condo has Dual Master Suites, breakfast nook, and granite counters. The kitchen of this 2 bedroom Carmel Pointe condo also features stainless steel appliances.
Enjoy the open floorplan of this 2 bedroom Carmel Pointe condo with high ceilings and spacious living room with gas fireplace. The 2 bedrooms feature walk-in closets and there is a full size washer/dryer in the unit. The balcony of this 2 bedroom Carmel Pointe condo overlooks the park. There is a single car garage and ample guest parking.
The Carmel Pointe condo complex features a club house with kitchen, community pool and jaccuzi, and fitness center. To view this 2 bedroom Carmel Pointe condo contact Melina Camey with Prudential California Realty at 858-353-8806 or email: melinacamey@gmail.com
Pre-Qualify today with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919 or email: kkueneke@primeres.com
Offer submitted and awaiting short-sale approval. Top Floor Corner Unit in Carmel Pointe in Carmel Valley. This 2 bedroom Carmel Pointe condo has Dual Master Suites, breakfast nook, and granite counters. The kitchen of this 2 bedroom Carmel Pointe condo also features stainless steel appliances.
Enjoy the open floorplan of this 2 bedroom Carmel Pointe condo with high ceilings and spacious living room with gas fireplace. The 2 bedrooms feature walk-in closets and there is a full size washer/dryer in the unit. The balcony of this 2 bedroom Carmel Pointe condo overlooks the park. There is a single car garage and ample guest parking.
The Carmel Pointe condo complex features a club house with kitchen, community pool and jaccuzi, and fitness center. To view this 2 bedroom Carmel Pointe condo contact Melina Camey with Prudential California Realty at 858-353-8806 or email: melinacamey@gmail.com
Pre-Qualify today with Kevin Kueneke, San Diego Mortgage Expert, by calling 760-500-1919 or email: kkueneke@primeres.com
Features List
Carmel Pointe Condo
San Diego Condo
Granite Counters
High Ceilings
Open Floorplan
Corner Unit
2 Bedroom Condo
Fireplace
Walk-In Closets
Dual Master Suites
1 Car Garage
Guest Parking
Community Pool
Fitness Center
Stainless Steel
Equal Housing Opportunity.
Prudential California Realty : 3790 Via De La Valle Suite 201 - Del Mar CA 92014 : (858)353-8806
Short Sale Approved, Morningside Plan 2 3 Bedroom Home In San Diego
Short sale approved, Morningside Plan 2! This Morningside 3 bedroom home is on a large interior lot with limited Poway Road noise. Gorgeous hardwood floors and plantation shutters.
This 3 bedroom 3 bath Morningside home has the possibility of a 4th bedroom on the entry level. Wide open, spacious floorplan with a teen/bonus/loft area, and upstairs laundry room.
Located at 11542 Trailbrook Lane, San Diego CA 92128, this 3 bedroom Morningside home has fresh paint and new landscaping! Walk to Poway Unified's award winning elementary school! This home is near everything: recreation, entertainment, shopping, dining, freeways...minutes to downtown, beaches, colleges and much more.
To view this 3 bedroom Morningside home contact Melina Camey at 858-353-8806 or email: melinacamey@gmail.com
Pre-Qualify today with Kevin Kueneke, San Diego County Mortgage Expert, by calling 760-500-1919 or email: kkueneke@primeres.com
Short sale approved, Morningside Plan 2! This Morningside 3 bedroom home is on a large interior lot with limited Poway Road noise. Gorgeous hardwood floors and plantation shutters.
This 3 bedroom 3 bath Morningside home has the possibility of a 4th bedroom on the entry level. Wide open, spacious floorplan with a teen/bonus/loft area, and upstairs laundry room.
Located at 11542 Trailbrook Lane, San Diego CA 92128, this 3 bedroom Morningside home has fresh paint and new landscaping! Walk to Poway Unified's award winning elementary school! This home is near everything: recreation, entertainment, shopping, dining, freeways...minutes to downtown, beaches, colleges and much more.
To view this 3 bedroom Morningside home contact Melina Camey at 858-353-8806 or email: melinacamey@gmail.com
Pre-Qualify today with Kevin Kueneke, San Diego County Mortgage Expert, by calling 760-500-1919 or email: kkueneke@primeres.com
Features List
Morningside Plan 2
3 Bedroom Home
3 Bath Home
Poway Unified
Approved Short Sale
Loft
Laundry Room
Open Floorplan
Fireplace
Low HOA's
Low Mello Roos
2 Car Garage
Detached Home
Sabre Springs
Fresh Paint
Equal Housing Opportunity.
Prudential California Realty : 3790 Via De La Valle Suite 201 - Del Mar CA 92014 : (858)353-8806
Model Perfect, Kensington Plan 2 by Davidson!
Del Sur 3 Bedroom Home Near Del Sur Elementary
Offered From $649,000 to $699,876
Classic Architecture...in the Heart of Community Oriented Del Sur! The Epitome of Style and Grace...Model Perfect, 3 bedroom Kensington Near Del Sur Elementary Plan 2 by Davidson! The Impressive Hand-Distressed Maple Floors of this 3 bedroom Kensington home in Del Sur Greet You at the Entrance.
Enjoy the Spacious Family Room w/ Custom Fireplace Mantle. This 3 bedroom Kensington home in Del Sur Near Del Sur Elementary also features Fabrica Solis Ensanto Carpet. The All Stainless Kitchen boasts of Elegance w/White Wave Granite, Kitchen-Aid Architect Appliances, Cooks Pantry, Ceramic Slate Floors & more.
There is a large Master Bed & Bath in this 3 bedroom Kensington home in Del Sur Near Del Sur Elementary. Located at 8269 Austin Hill Court, San Diego CA 92127, schools include POWAY UNIFIED SCHOOL DISTRICT: Del Sur Elementary, Oak Valley Middle & Del Norte High School.
To view this 3 bedroom Kensington home in Del Sur Near Del Sur Elementary, contact Melina Camey with Prudential California Realty at 858-353-8806 or email: melinacamey@gmail.com
Pre-Qualify today for this 3 bedroom Kensington home in Del Sur Near Del Sur Elementary with Kevin Kueneke, North San Diego County Mortgage Expert, by calling 760-500-1919 or email: kkueneke@primeres.com
Classic Architecture...in the Heart of Community Oriented Del Sur! The Epitome of Style and Grace...Model Perfect, Kensington Plan 2 by Davidson! The Impressive Hand-Distressed Maple Floors of this 3 bedroom Kensington home in Del Sur Greet You at the Entrance.
Enjoy the Spacious Family Room w/ Custom Fireplace Mantle. This 3 bedroom Kensington home in Del Sur also features Fabrica Solis Ensanto Carpet. The All Stainless Kitchen boasts of Elegance w/White Wave Granite, Kitchen-Aid Architect Appliances, Cooks Pantry, Ceramic Slate Floors & more. Offered From $649,000 to $699,876.
There is a large Master Bed & Bath in this 3 bedroom Kensington home in Del Sur. Located at 8269 Austin Hill Court, San Diego CA 92127, schools include POWAY UNIFIED SCHOOL DISTRICT: Del Sur Elementary, Oak Valley Middle & Del Norte High School.
To view this 3 bedroom Kensington home in Del Sur, contact Melina Camey with Prudential California Realty at 858-353-8806 or email: melinacamey@gmail.com
Pre-Qualify today for this 3 bedroom Kensington home in Del Sur with Kevin Kueneke, North San Diego County Mortgage Expert, by calling 760-500-1919 or email: kkueneke@primeres.com
Features List
Kensington Plan 2
Davidson Home
Rancho Bernardo
Del Sur
3 Bedroom Plus Loft
2.5 Bath Home
2 Car Garage
Fireplace
Stainless Steel
Poway Schools
Granite
Built-In BBQ
Community Pool
8269 Austin Hill Ct
San Diego
Slate Floors
Maple Floors
Views
Equal Housing Opportunity.
Prudential California Realty : 3790 Via De La Valle Suite 201 - Del Mar CA 92014 : (858)353-8806
Architectural Gem In Quiet Del Mar Cul-De-Sac, Del Mar 3 Bedroom Home
Contemporary and seldom available design by award winning architects, Batter Kay Associates. Constructed in 1989, this Del Mar 3 bedroom architectural gem is located in a quiet cul-de-sac adjoining Torrey Pines Reserve.
Located at 13611 Mercado Drive, Del Mar 92014, this 3 bedroom Del Mar home is offered for sale from $1,599,000 to $1,799,000.
Dramatic, panoramic canyon and ocean views can be enjoyed from both the upstairs kitchen, dining room, living rooms and from the downstairs bedroom. The 3 bedroom Del Mar home features soaring ceilings and extensive windows which provide an abundance of natural light.
Maintained by an avid gardener, the front access of this 3 bedroom Del Mar home is dominated by low-maintenance drought tolerant plants. The uniquely private and tranquil backyard contains several multilevel outdoor decks, and a profusion of colorful, butterfly-attracting foliage provides a serene setting for outdoor living.
Located in a great neighborhood within minutes of downtown Del Mar, the beaches at Torrey Pines and Del Mar, and the I-5 Freeway access. Del Mar Union and San Dieguito School Districts.
To view this Del Mar 3 bedroom home contact Melina Camey with Prudential California Realty at (858)353-8806 or email: melinacamey@gmail.com
Pre-Qualify today for this Del Mar 3 bedroom home with Kevin Kueneke, Area Mortgage Expert, by calling (760)500-1919 or email: kkueneke@primeres.com
Contemporary and seldom available design by award winning architects, Batter Kay Associates. Constructed in 1989, this architectural gem is located in a quiet cul-de-sac adjoining Torrey Pines Reserve. Dramatic, panoramic canyon and ocean views can be enjoyed from both the upstairs kitchen, dining room, living rooms and from the downstairs bedroom. The home features soaring ceilings and extensive windows which provide an abundance of natural light. Maintained by an avid gardener, the front access is dominated by low-maintenance drought tolerant plants. The uniquely private and tranquil backyard contains several multilevel outdoor decks, and a profusion of colorful, butterfly-attracting foliage provides a serene setting for outdoor living. Located in a great neighborhood within minutes of downtown Del Mar, the beaches at Torrey Pines and Del Mar, and the I-5 Freeway access. Del Mar Union and San Dieguito School Districts.
To view this Del Mar 3 bedroom home contact Melina Camey with Prudential California Realty at (858)353-8806 or email: melinacamey@gmail.com
Pre-Qualify today for this Del Mar 3 bedroom home with Kevin Kueneke, Area Mortgage Expert, by calling (760)500-1919 or email: kkueneke@primeres.com
Features List
Del Mar Home
Cul-De-Sac
3 Bedroom Home
2.5 Bath Home
2 Car Garage
Ocean Views
Canyon Views
Fireplace
West of I-5
Del Mar Union School
Detached Home
13611 Mercado Drive
2,963 Square Feet
Ocean Close
Level Lot
Equal Housing Opportunity.
Prudential California Realty : 3790 Via De La Valle Suite 201 - Del Mar CA 92014 : (858)353-8806
Unique contemporary design 3 Bedroom 2.5 bath home in beautiful Del Mar. This 3 bedroom Del Mar home is West of I-5 and near the beach. Also near Del Mar Village, shops, and restaurants.
Spacious, open floor plan w/ different levels separating living area from family room & bedrooms. The master bedroom suite of this Del Mar 3 bedroom home West of I-5 features balconies & ocean view roof deck. Large living room with fireplace & balcony. Bedrooms open to enclosed patio & garden.
This 3 bedroom Del Mar home West of I-5 is located at 2401 Del Mar Heights Road, Del Mar CA 92014. Schools include Del Mar Heights Elementary, Carmel Valley Middle School, and Torrey Pines High School.
The spacious family room of this Del Mar 3 bedroom home has a fireplace & wet bar and opens to a covered patio. Travertine flooring in living room, dining room, and kitchen. The kitchen of this 3 bedroom Del Mar home has exotic granite slab countertops & GE Monogram stainless appliances.
To see this 3 bedroom Del Mar home West of I-5, contact Melina Camey with Prudential California at (858)353-8806 or go to www.MelinaCamey.com
Unique contemporary design 3 Bedroom 2.5 bath home in beautiful Del Mar. This 3 bedroom Del Mar home is West of I-5 and near the beach. Also near Del Mar Village, shops, and restaurants. Spacious, open floor plan w/ different levels separating living area from family room & bedrooms.
The master bedroom suite of this Del Mar 3 bedroom home West of I-5 features balconies & ocean view roof deck. Large living room with fireplace & balcony. Bedrooms open to enclosed patio & garden.
The spacious family room of this Del Mar 3 bedroom home has a fireplace & wet bar and opens to a covered patio. Travertine flooring in living room, dining room, and kitchen. The kitchen of this 3 bedroom Del Mar home has exotic granite slab countertops & GE Monogram stainless appliances.
To see this 3 bedroom Del Mar home West of I-5, contact Melina Camey with Prudential California at (858)353-8806 or go to www.MelinaCamey.com
La Costa 5 Bedroom Home in Alga Hills Near La Costa Meadows Elementary School
Drop Dead Gorgeous La Costa 5 Bedroom Home in Alga Hills Near La Costa Meadows Elementary School. Seller will entertain offers between $599,000-$629,000. This La Costa 5 bedroom home in Alga Hills Near La Costa Meadows Elementary School has lovely ocean lagoon views. The 2-car attached garage has plenty of storage. Light, bright & pristine, featuring 1 bedroom & full bath on entry level, vaulted ceilings, beautiful hardwood flooring & plantation shutters.
This La Costa 5 bedroom home in Alga Hills is located at 7081 Murillo Lane, Carlsbad CA 92009. Schools include La Costa Meadows Elementary, San Elijo Middle School, and San Marcos High School.
The kitchen of this La Costa 5 bedroom home in Alga Hills Near La Costa Meadows Elementary School boasts solid granite countertops, center island & stainless steel appliances. Private yard with custom portico & vibrant low maintenance landscaping. Enjoy cool breezes & spectacular sunsets from the elevated location of this La Costa 5 bedroom home in Alga Hills. No Mello-Roos.
To see this La Costa 5 bedroom home in Alga Hills Near La Costa Meadows Elementary School, contact Barbara Martin with Coldwell Banker at (760)271-2710.
Drop Dead Gorgeous La Costa 5 Bedroom Home in Alga Hills. Seller will entertain offers between $599,000-$629,000. This La Costa 5 bedroom home in Alga Hills has lovely ocean lagoon views. The 2-car attached garage has plenty of storage.
Light, bright & pristine, featuring 1 bedroom & full bath on entry level, vaulted ceilings, beautiful hardwood flooring & plantation shutters. This La Costa 5 bedroom home in Alga Hills is located at 7081 Murillo Lane, Carlsbad CA 92009.
The kitchen of this La Costa 5 bedroom home in Alga Hills boasts solid granite countertops, center island & stainless steel appliances. Private yard with custom portico & vibrant low maintenance landscaping. Enjoy cool breezes & spectacular sunsets from the elevated location of this La Costa 5 bedroom home in Alga Hills. No Mello-Roos.
To see this La Costa 5 bedroom home in Alga Hills, contact Barbara Martin with Coldwell Banker at (760)271-2710.
Drop Dead Gorgeous La Costa 5 Bedroom Home in Alga Hills
Drop Dead Gorgeous La Costa 5 Bedroom Home in Alga Hills. Seller will entertain offers between $599,000-$629,000. This La Costa 5 bedroom home in Alga Hills has lovely ocean lagoon views. The 2-car attached garage has plenty of storage. Light, bright & pristine, featuring 1 bedroom & full bath on entry level, vaulted ceilings, beautiful hardwood flooring & plantation shutters.
This La Costa 5 bedroom home in Alga Hills is located at 7081 Murillo Lane, Carlsbad CA 92009. Schools include La Costa Meadows Elementary, San Elijo Middle School, and San Marcos High School.
The kitchen of this La Costa 5 bedroom home in Alga Hills boasts solid granite countertops, center island & stainless steel appliances. Private yard with custom portico & vibrant low maintenance landscaping. Enjoy cool breezes & spectacular sunsets from the elevated location of this La Costa 5 bedroom home in Alga Hills. No Mello-Roos.
To see this La Costa 5 bedroom home in Alga Hills, contact Barbara Martin with Coldwell Banker at (760)271-2710.
Drop Dead Gorgeous La Costa 5 Bedroom Home in Alga Hills. Seller will entertain offers between $599,000-$629,000. This La Costa 5 bedroom home in Alga Hills has lovely ocean lagoon views. The 2-car attached garage has plenty of storage.
Light, bright & pristine, featuring 1 bedroom & full bath on entry level, vaulted ceilings, beautiful hardwood flooring & plantation shutters. This La Costa 5 bedroom home in Alga Hills is located at 7081 Murillo Lane, Carlsbad CA 92009.
The kitchen of this La Costa 5 bedroom home in Alga Hills boasts solid granite countertops, center island & stainless steel appliances. Private yard with custom portico & vibrant low maintenance landscaping. Enjoy cool breezes & spectacular sunsets from the elevated location of this La Costa 5 bedroom home in Alga Hills. No Mello-Roos.
To see this La Costa 5 bedroom home in Alga Hills, contact Barbara Martin with Coldwell Banker at (760)271-2710.
This newer construction 3BR/3.5BA Pacific Beach home is only 4 blocks to the beach and 3 blocks to the Bay. Gourmet kitchen with Viking range/oven. Kitchen Aid fridge. Lots of outdoor living space with private front patio, large 2nd floor sundeck.
This 3 bedroom Pacific Beach home also features a roof top deck plumbed for sink, bar, & grill! Enjoy panoramic views of Pacific Beach to the ocean from the roof-top deck! The property also has a 2-car garage/car-port.
Located at 1124 Thomas Avenue, San Diego CA 92109. Schools for this 3 bedroom Pacific Beach home include Pacific Beach Elementary, Pacific Beach Middle School, and Mission Bay High School.
This newer construction 3BR/3.5BA Pacific Beach home is only 4 blocks to the beach and 3 blocks to the Bay. Gourmet kitchen with Viking range/oven. Kitchen Aid fridge. Lots of outdoor living space with private front patio, large 2nd floor sundeck.
This 3 bedroom Pacific Beach home also features a roof top deck plumbed for sink, bar, & grill! Enjoy panoramic views of Pacific Beach to the ocean from the roof-top deck! The property also has a 2-car garage/car-port.
Located at 1124 Thomas Avenue, San Diego CA 92109. Schools for this 3 bedroom Pacific Beach home include Pacific Beach Elementary, Pacific Beach Middle School, and Mission Bay High School.
To see this 3 bedroom Pacific Beach home, contact Matt Eller with RE/MAX Associates at (858)735-8661 or email him: matt@homesinsd.com
Prequalify today for this 3 bedroom Pacific Beach home with Kevin Kueneke of Primary Residential Mortgage by calling (760)500-1919.
Location, Location, Location! Centrally located 1 bedroom condo in Sabre Springs neighborhood, convenient access to the 15 and 56 plus award winning Poway schools. Great 1 bedroom Sabre Springs condo for investor/first time buyer/student.
This 1 bedroom Sabre Springs condo is located at 10824 Sabre Hill Drive #196, San Diego CA 92128. Schools include Morning Creek Elementary, Meadowbrook Middle School, and Mount Carmel High School.
This 1 bedroom Sabre Springs condo features a new hot water heater,washer and dryer. A fabulous breeze comes through this delightful 1 bedroom Sabre Springs condo from the private balcony. Mountains,beautiful trees aid in the beautiful surroundings. Community Pool, Spa and Gym for your enjoyment.
Location,Location centrally located 1 bedroom condo in Sabre Springs neighborhood, convenient access to the 15 and 56 plus award winning Poway schools. Great 1 bedroom condo for investor/first time buyer/student.
This 1 bedroom Sabre Springs condo is located at 10824 Sabre Hill Drive #196, San Diego CA 92128. Schools include Morning Creek Elementary, Meadowbrook Middle School, and Mount Carmel High School.
This 1 bedroom Sabre springs condo features a new hot water heater,washer and dryer. A fabulous breeze comes through this delightful 1 bedroom Sabre Springs condo from the private balcony. Mountains,beautiful trees aid in the beautiful surroundings. Community Pool, Spa and Gym for your enjoyment.
Price Reduction! Single Story Home In Carlsbad's Vista Pacifica
PRICE REDUCTION! Now offered at $440,000. Lovely single story 3 bedroom home in Carlsbad's Vista Pacifica. The community of Vista Pacifica is just about a mile to the beach and a quick trip to the Poinsettia Village shopping center.
Nicely manicured private backyard in this Single Story Home In Vista Pacifica with a pebble patio, front yard is maintained by the HOA. This 3 Bedroom 2 Full Bath Home In Vista Pacifica has new interior paint and features a 2 car attached garage which has additional built-in storage. Schools include Aviara Oaks Elementary and Carlsbad High School.
Located at 914 Alyssum Road, Carlsbad CA 92011, this Single Story 3 bedroom Home In Vista Pacifica is now move-in ready. Available financing types: Conventional, FHA, and VA!
Contact Christine Kueneke with Windermere Real Estate SoCal to see this single story home for sale in Carlsbad's Vista Pacifica.
PRICE REDUCTION! Now offered at $440,000. Lovely single story 3 bedroom home in Carlsbad's Vista Pacifica. The community of Vista Pacifica is just about a mile to the beach and a quick trip to the Poinsettia Village shopping center. Nicely manicured private backyard in this Single Story Home In Vista Pacifica with a pebble patio, front yard is maintained by the HOA.
This 3 Bedroom 2 Full Bath Home In Vista Pacifica has new interior paint and features a 2 car attached garage which has additional built-in storage. Schools include Aviara Oaks Elementary and Carlsbad High School. This Single Story 3 bedroom Home In Vista Pacifica is now move-in ready.
Available financing types: Conventional, FHA, and VA!
Contact Christine Kueneke with Windermere Real Estate SoCal to see this single story home for sale in Carlsbad's Vista Pacifica.
A lot of people have rough credit right now, whether from the economy, loss of job, previous marriage, you name it. Some newly married couples (and some not so newly married) are having trouble buying a home together.
Maybe the wife is employed and the husband is unemployed, but he has a large car payment with no income to offset. The obvious choice is to remove one of the spouses from the transaction if the remaining spouse has enough income.
HOWEVER: If the new loan will be an FHA insured mortgage in a Community Property State like CA, the Debts of the non-purchasing spouse must be included in the debt to income ratios.
Fortunately, the purchasing spouse is no longer penalized if the non-purchasing spouse had a short sale or foreclosure prior to their marriage. The non-purchasing spouse's credit scores are not factored into the loan decision.
Keep in mind that if the non-purchasing spouse refuses to give consent for the credit report then the loan will not be eligible for FHA insured financing. Good to know this information upfront before you get too far into a transaction. Some rookie lenders are unaware of these guidelines...
Quiet North Escondido 2 Bedroom Home With View For Sale. This 2 bedroom north Escondido home is 1346 square feet and sits on a large lot. The living room features a fireplace and the den is currently being used as a third bedroom.
The back yard is fenced and there is room to park in the 2 car attached garage. This single story 2 bedroom 2 bath detached home is located at 1809 Cortez Avenue, Escondido CA 92026.
This 2 bedroom north Escondido home is in the Escondido Union School District. Schools include Knob Hill Elementary, Woodland Park Middle School, and Escondido High School.
Financing options for this 2 bedroom north Escondido home include Conventional, FHA, and VA. Start your Pre-Approval today by calling Kevin Kueneke with Primary Residential Mortgage at (760)500-1919.
Quiet North Escondido 2 Bedroom Home With View For Sale. This 2 bedroom north Escondido home is 1346 square feet and sits on a large lot. The living room features a fireplace and the den is currently being used as a third bedroom. The back yard is fenced and there is room to park in the 2 car attached garage.
This single story 2 bedroom 2 bath detached home is located at 1809 Cortez Avenue, Escondido CA 92026. This 2 bedroom north Escondido home is in the Escondido Union School District. Schools include Knob Hill Elementary, Woodland Park Middle School, and Escondido High School.
Financing options for this 2 bedroom north Escondido home include Conventional, FHA, and VA. Start your Pre-Approval today by calling Kevin Kueneke with Primary Residential Mortgage at (760)500-1919.
Features List
Escondido Home
Single Story Home
Detached Home
2 Bedroom Home
2 Bath Home
Attached Garage
Large Lot
Escondido Unified
Fireplace
1809 Cortez Avenue
92026
1346 Square Feet
2 Car Garage
Dining Room
Living Room
Views
Quiet Street
Den
North Escondio
Ceiling Fans
Patio
Equal Housing Opportunity.
Brifield Properties : Escondido CA : (760)738-1914
Fannie Mae announced new guidelines regarding deferred installment debts, namely deferred student loans. The FNMA Selling Guide currently requires deferred installment debts to be included in the debt-to-income ratio.
Prior to FNMA's change, if the borrower's credit report did not indicate the future monthly payment, lenders were required to obtain a copy of the borrower's payment letter or forbearance agreement. The future payment would then be counted against them for qualifying.
However, FNMA is now making an exception to this policy for deferred student loans. The lender may now calculate a monthly payment based on 2% of the balance of the student loan in lieu of obtaining documentation of the monthly payment ONLY IF the credit report does not contain one. The actual payment can be used if documentation is provided.
This new policy actually makes sense! Surprise surprise!
We have heard that the current FHA Jumbo loan limits and Fannie/Freddie High Balance Conforming and Super Conforming loan limits will decrease after September 30, 2011. FHA finally put it in writing in their FHA Market Analysis Brief released last week.
In the article, FHA mentions that there are 669 potentially affected counties and county equivalents (major metropolitan areas). The smallest decreases will occur in four Ohio counties (Greene, Miami, Montgomery, and Preble) and one Texas county (Jeff Davis). These counties will see their maximums drop from $271,250 to $271,050. Seriously...?
However, the majority of "high limit" counties in Puerto Rico will drop by $221,000 from $606,250 to $385,250. The largest decrease ($250,750) will occur in Hawaii County from $618,750 to $368,000. California's Monterey County is a close 2nd with a potential decrease of $246,750 (from the current national maximum of $729,750 to $483,000).
For those purchasing a home using FHA insured financing in San Diego County after October 1st, 2011, the limit will drop by $151,250 down to $546,250 from the current level of $697,500. Although the percentage of CA FHA insured loans from 2010 that would have been affected is only 6%, the dollar volume that would have been affected would have been over $4.2 billion.
Personally, I close one FHA Jumbo in San Diego County for every four FHA conforming loans I close. Of those, about one out of four exceeds the potential new limit of $546,250. It will be interesting to see how this all unfolds as we approach the September 30th deadline.
Have any questions regarding FHA loans in San Diego County or anywhere in California? Call or email me today.
South San Diego 3 Bedroom Home Near Juarez Lincoln Elementary School
Short Sale Approved!! Welcome Home! This 3 bedroom South San Diego home Near Juarez Lincoln Elementary School is great for a first time buyer or for an Investor. The spacious backyard of this 3 bedroom south San Diego home features a custom patio as well as two lemon trees.
The family room of this 3 bedroom south San Diego home Near Juarez Lincoln Elementary School is currently used as a 4th bedroom. The 2 car attached garage has laundry hookups. This home also has 2 full baths.
Located at 4039 Arey Drive, San Diego CA 92154. This 3 bedroom south San Diego home is near Juarez Lincoln Elementary School, Montgomery Middle School, and Montgomery Senior High School.
Contact Chris Gorno with Windermere Real Estate SoCal to view this 3 bedroom south San Diego home Near Juarez Lincoln Elementary School by calling (619)788-4345 today.
Get Pre-Approved Today to purchase this 3 bedroom San Diego home Near Juarez Lincoln Elementary School by calling Kevin Kueneke with Primary Residential Mortgage at (760)500-1919.
Short Sale Approved!! Welcome Home! This 3 bedroom South San Diego home is great for a first time buyer or for an Investor. The spacious backyard of this 3 bedroom south San Diego home features a custom patio as well as two lemon trees.
The family room of this 3 bedroom south San Diego home is currently used as a 4th bedroom. The 2 car attached garage has laundry hookups. This home also has 2 full baths.
Located at 4039 Arey Drive, San Diego CA 92154. This 3 bedroom south San Diego home is near Juarez Lincoln Elementary School, Montgomery Middle School, and Montgomery Senior High School.
Contact Chris Gorno with Windermere Real Estate SoCal to view this 3 bedroom south San Diego home by calling (619)788-4345 today.
Get Pre-Approved Today to purchase this 3 bedroom San Diego home by calling Kevin Kueneke with Primary Residential Mortgage at (760)500-1919.
Features List
Approved Short Sale
South San Diego
3 Bedroom Home
2 Bath Home
Large Lot
Lemon Trees
Fireplace
2 Car Garage
Single Family Home
Attached Garage
4039 Arey Drive
1481 Square Feet
92154 Zip Code
Fenced Yard
San Diego CA
Equal Housing Opportunity.
Windermere Real Estate SoCal : 124 Lomas Santa Fe Drive Suite 206 - Solana Beach CA 92075 : (619)788-4345
Approved Short Sale! Great 3 Bedroom South San Diego Home
Short Sale Approved!! Welcome Home! This 3 bedroom South San Diego home is great for a first time buyer or for an Investor. The spacious backyard of this 3 bedroom south San Diego home features a custom patio as well as two lemon trees.
The family room of this 3 bedroom south San Diego home is currently used as a 4th bedroom. The 2 car attached garage has laundry hookups. This home also has 2 full baths.
Located at 4039 Arey Drive, San Diego CA 92154. This 3 bedroom south San Diego home is near Juarez Lincoln Elementary School, Montgomery Middle School, and Montgomery Senior High School.
Contact Chris Gorno with Windermere Real Estate SoCal to view this 3 bedroom south San Diego home by calling (619)788-4345 today.
Get Pre-Approved Today to purchase this 3 bedroom San Diego home by calling Kevin Kueneke with Primary Residential Mortgage at (760)500-1919.
Short Sale Approved!! Welcome Home! This 3 bedroom South San Diego home is great for a first time buyer or for an Investor. The spacious backyard of this 3 bedroom south San Diego home features a custom patio as well as two lemon trees.
The family room of this 3 bedroom south San Diego home is currently used as a 4th bedroom. The 2 car attached garage has laundry hookups. This home also has 2 full baths.
Located at 4039 Arey Drive, San Diego CA 92154. This 3 bedroom south San Diego home is near Juarez Lincoln Elementary School, Montgomery Middle School, and Montgomery Senior High School.
Contact Chris Gorno with Windermere Real Estate SoCal to view this 3 bedroom south San Diego home by calling (619)788-4345 today.
Get Pre-Approved Today to purchase this 3 bedroom San Diego home by calling Kevin Kueneke with Primary Residential Mortgage at (760)500-1919.
Features List
Approved Short Sale
South San Diego
3 Bedroom Home
2 Bath Home
Large Lot
Lemon Trees
Fireplace
2 Car Garage
Single Family Home
Attached Garage
4039 Arey Drive
1481 Square Feet
92154 Zip Code
Fenced Yard
San Diego CA
Equal Housing Opportunity.
Windermere Real Estate SoCal : 124 Lomas Santa Fe Drive Suite 206 - Solana Beach CA 92075 : (619)788-4345
Price Reduction! Single Story Home In Carlsbad's Vista Pacifica
PRICE REDUCTION! Now offered at $440,000. Lovely single story 3 bedroom home in Carlsbad's Vista Pacifica. The community of Vista Pacifica is just about a mile to the beach and a quick trip to the Poinsettia Village shopping center.
Nicely manicured private backyard in this Single Story Home In Vista Pacifica with a pebble patio, front yard is maintained by the HOA. This 3 Bedroom 2 Full Bath Home In Vista Pacifica has new interior paint and features a 2 car attached garage which has additional built-in storage. Schools include Aviara Oaks Elementary and Carlsbad High School.
Located at 914 Alyssum Road, Carlsbad CA 92011, this Single Story 3 bedroom Home In Vista Pacifica is now move-in ready. Available financing types: Conventional, FHA, and VA! Wow, ocean close 3 bedroom for under $450,000.
Contact Christine Kueneke with Windermere Real Estate SoCal to see this single story home for sale in Carlsbad's Vista Pacifica.
PRICE REDUCTION! Now offered at $440,000. Lovely single story 3 bedroom home in Carlsbad's Vista Pacifica. The community of Vista Pacifica is just about a mile to the beach and a quick trip to the Poinsettia Village shopping center. Nicely manicured private backyard in this Single Story Home In Vista Pacifica with a pebble patio, front yard is maintained by the HOA.
This 3 Bedroom 2 Full Bath Home In Vista Pacifica has new interior paint and features a 2 car attached garage which has additional built-in storage. Schools include Aviara Oaks Elementary and Carlsbad High School. This Single Story 3 bedroom Home In Vista Pacifica is now move-in ready.
Available financing types: Conventional, FHA, and VA!
Contact Christine Kueneke with Windermere Real Estate SoCal to see this single story home for sale in Carlsbad's Vista Pacifica.
Your Loan Mod Looks Good, Only A Couple More Weeks For A Decision
True story. A couple of past clients of mine had fallen on hard times and did not have the equity to do a "regular" refinance. Furthermore, their loan is not Fannie or Freddie. So, after they missed a mortgage payment, their lender BIG BANK sent them a package regarding a possible loan modification.
They figured, "what have we got to lose by sending in the paperwork?" So they gathered two years tax returns, last 30 days of paystubs, last 2 months bank statements, a letter of explanation of why they fell on hard times, and completed the application form.
They overnighted the documentation back to BIG BANKS's loan mod department on May 6th, 2010. After two weeks, they called to make sure the information was received. It was and they were told to call back in another couple of weeks.
They called back as instructed and were told that they were missing basically all of the paperwork that was originally sent in. So they faxed it to the loan mod department this time and were told to call back in a week. They also received another package re: a loan mod with BIG BANK.
This cycle continued until November 30th, 2010, when they received a letter stating that all of their items had been received and that a "decision" would be given within 30 days. They called at 30 days, 45 days, 60 days, 75 days, 90 days..."it's still in line for a decision."
During all of this time, they were given conflicting information by the BIG BANK regarding their payments. Some days they were told to keep paying, other days they were told not to pay. Money was tight so they did not keep paying. Better to put food on the table.
Finally, they received a letter on April 16th, 2011, via Fed-Ex that stated, "You do not qualify for a loan modification and foreclosure proceedings will begin on May 16th, 2011." The letter really did not list why not, just not. However, it did show what the modified payments would have been if approved...thanks for the carrot.
Fortunately for these folks, a family member came to their aid and brought the mortgage current prior to the "deadline" set by the BIG BANK. Moreover, their employment situation has improved and they are now able to handle the non-modified payment. But, the last 10 months was the most stressful period of time in either of their lifetimes. Pretty sure BIG BANK didn't have any trouble sleeping.
We have seen a nice drop in rates over the last few weeks or so, roughly 0.375% on 30 year fixed rate Conforming loans (up to $417,000) and 30 year fixed rate High Balance Conforming loans ($417,001 to $697,500 in San Diego County). This drop equates to an increase in buying power and an increase in buying options.
Increased buying power, two examples:
· A payment of $2,112 at 4.875% equated to a loan amount of $399,050. Same payment but at 4.50% equates to a loan amount of $417,000. Price range increase of $17,950.
· A payment of $3,638 at 5.125% equated to a loan amount of $668,150. Same payment but at 4.75% equates to a loan amount of $697,500. Price range increase of $29,350.
Increased buying options:
Let's say you were already going to borrow $417,000 or $697,500. The recent reduction in interest rates would lower your payments by $95 at $417,000 and almost $160 at $697,500. This loan payment reduction might now allow you to look at communities with amenities such as a community pool, tot lot/playground, and common ground landscaping; amenities that many families are looking for but were unable to afford due to the $50 to $100 additional Homeowner's Association (HOA) fee. The lower mortgage payment now leaves room for that HOA fee. This gives you more properties from which to choose.
Are lender's guidelines stricter now than a few years ago? Yes, of course. However, buying opportunities are still abound. The real question is: Are you ready to take advantage of this market? As author Paul Fargis once said, "Luck is when preparation meets opportunity." Be lucky. Be prepared. Get pre-approved today, and be ready to take advantage of that opportunity when it comes around.
During a typical 30-day escrow period, there is ample opportunity for a potential home buyer to unwittingly sabotage his or her deal. Until the keys are in the buyer's hands, there are still several things that can cause a deal to unravel, even at the very end. Let's take a quick look:
Credit Issues:
These days, a buyer's credit is monitored until the end. Not only will the lender find out if a new account is opened, but also if anyone else even inquired into the buyer's credit after the lender's credit inquiry. If the new furniture will require financing, best bet is to wait until the loan is closed. If the new home's garage is incomplete without a new car, wait until the loan is closed!
Employment:
Changing jobs during an escrow is always an obvious no-no. But sometimes internal changes can destroy the deal. Examples include being switched from an employee (w-2) to an independent contractor (1099), or compensation switching from salary/hourly to commission.
And lenders will call to verify that the buyer is still gainfully employed right before they hit the big "fund" button.
Assets:
Many conventional loan programs require a minimum amount of assets or reserves in the bank. Although FHA and VA loans do not have minimums, some loan approvals are given based on compensating factors such as money in the bank after closing.
A loan may be approved based on an older bank statement with a certain amount of cash in the account. However, the approval might require that the most recent account statement be provided. If the new balance is lower, this could jeopardize the loan approval EVEN if there is still sufficient money in the account to cover down payment and costs.
I think every loan officer has had a loan die, or have a closing significantly delayed, from one or all of the above. Properly prepping buyers at the beginning helps, but sometimes you can only do so much. Have to admit, these things keep the industry interesting.
Santa Fe Hills 3 Bedroom Home Near Cal State San Marcos for sale. Seller will entertain offers between $340,000 and $385,876. This immaculate 3 bedroom, 2 1/2 bath San Marcos home is located in the pristine area of Santa Fe Hills. The open, spacious layout of this beautiful Santa Fe Hills home Near Cal State San Marcos is one of the most sought out in this development.
Located at 1236 Avenida Fragata, San Marcos CA 92069, schools include Paloma Elementary School, San Marcos Middle School, and Mission Hills High School. This 3 Bedroom Santa Fe Hills home is also near Palomar College and Cal State San Marcos.
Lots of windows flood this 3 bedroom Santa Fe Hills home Near Cal State San Marcos with natural light, and the spacious rear yard of this San Marcos beauty is perfect for entertaining. If you have not been to this area of San Marcos, it is time you discover Santa Fe Hills. It's central location has great parks, hiking trails, good schools, a major university & community college, large & respected employers, and lots of shopping & dining options all within a just a mile or two.
Santa Fe Hills Home for sale. Seller will entertain offers between $340,000 and $385,876. This immaculate 3 bedroom, 2 1/2 bath San Marcos home is located in the pristine area of Santa Fe Hills. The open, spacious layout of this beautiful Santa Fe Hills home is one of the most sought out in this development.
Lots of windows flood this Santa Fe Hills home with natural light, and the spacious rear yard of this San Marcos beauty is perfect for entertaining. If you have not been to this area of San Marcos, it is time you discover Santa Fe Hills. It's central location has great parks, hiking trails, good schools, a major university & community college, large & respected employers, and lots of shopping & dining options all within a just a mile or two.
The FHA mortgage insurance premium increase date is fast approaching. Today is April 6th and you must have an FHA case number assigned prior to April 18th to avoid the increase. Read more: FHA To Increase Mortgage Insurance Premiums.
HOWEVER!!!!! The FHA Connection, the online engine that lenders use to access FHA case numbers, etc, is not available on the weekends. So, April 15th is the actual date!!! Is your lender aware of that or does he/she say things like, "my processor handles those kinds of things, they'll take care of it Monday."
I wrote this a couple weeks ago...
I wrote a post late last year regarding one of the possible disadvantages of waiting to buy called Rate Vs. Price Reduction. It was short but sweet so here it is:
"Since the Fed's Mortgage Backed Securities purchase program ended, the markets have seen much more volatile price swings...and rates overall are off their lows. For potential buyers who are waiting to see if home prices come down a little more, that means the wait could cost more money in the long run.
Here is an example: Let's say a home buyer finds a home that he likes for $400,000. The buyer wants a better deal on the home, so he waits until the price has dropped by $10,000. However, during that waiting period, rates increase from 4.25% to 5.00%.
If the buyer planned on putting down 20%, the monthly payments at the lower amount but the higher rate would be about $100 more per month. Over the life of the loan, this buyer would actually pay $36,000 more in interest all to save $2,000 upfront (the difference between 20% of $400,000 and 20% of $390,000).
These are of course just examples. However, home prices are already very affordable...and rates are still low for now - but they did go up anywhere from 0.25% to 0.50% depending on the product in the last couple weeks. In the end, waiting for a home price to reduce may end up costing a buyer much more in the long run."
What do you know, rates clipped over the 5% mark for a bit, although lower now, but FHA is increasing the annual mortgage insurance premium (paid monthly) effective for FHA case numbers assigned on or after April 18, 2011.
This is the same as an interest rate increase! Keep waiting...
Home
