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Dawn Sells San Diego
Archive for the ‘Mission Hills’ Category
Thursday, November 12th, 2009
San Diego Real Estate Blog
2010 San Diego Real Estate Market
I know it’s still 2009 November and it might be a little early for 2010 San Diego Real Estate Market predictions but I think I’ll give it a shot. 2010 in the San Diego Real Estate Market should show more foreclosures than we had in 2009. In 2009 many foreclosures were held off of the market due to the moratoriums. Now that many of the foreclosure moratoriums are lifted the banks are gearing up to get the REO’s off of their books. 2010 in San Diego and many parts of the country will be known as the year of the “Last of the Foreclosure Market”. There will be more foreclosures after 2010 into 2011, 2012 and 2013 but 2010 will be the last big year for foreclosures.
There will still be more short sales and some banks are moving faster on them. There’s lots of talk about the short sales being streamlined and moving through the system faster. In 2010 it might just be a lot of false hope in this area. I hope I’m wrong and we see the short sales as a whole (not just select banks) move through the system fast and to a sale but it might just be a lot of hype. Systems like REOTrans are setting up to do short sales but I’ll believe the push towards short sales over foreclosures by the banks when I see it.
For homebuyers in 2010 it should be a delight with more inventory coming into the San Diego Real Estate Market. In some price ranges like the lower end first time home buyer prices under $400,000 there still will be a fight with other buyers to get the homes. There are way too many buyers and investors in the under $400,000 range in many areas of San Diego County that will keep this price range in very short supply in 2010. The upper end in non-coastal areas will still slide a little lower in 2010. We’ll see how this worked out in 2011.
If you need help buying or selling a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
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All Information is believed to be correct but not guaranteed.
Posted in Normal Heights, Mission Valley, Mission Hills, North Park, Tierrasanta, National City, Imperial Beach, Bonita, Logan Heights, Linda Vista, Point Loma, Old Town, Ocean Beach, Sorrento Valley, University City, East San Diego, Del Cerro, College Grove, Otay Mesa, Paradise Hills, San Diego Real Estate Blog, Santee, Rancho San Diego, San Diego Short Sales, San Diego Relocation, Ocean View Hills, San Diego Real Estate News, San Diego Market Report, Pine Valley, Lemon Grove, El Cajon, Alpine, San Ysidro, Jamul, Julian, Lakeside, La Mesa, La Jolla, Coronado, Sunbow, San Miguel Ranch, Rolling Hills, Windingwalk, San Diego New Homes, Cardiff, Pacific Beach, San Diego MLS, EastLake, Chula Vista, North County Inland, North County Coastal, San Diego Real Estate, Central Coastal, Central Inland, Carmel Valley, South Bay, East County, Carlsbad, Carmel Mountain, Rancho Penasquitos, Ramona, Poway, Rancho Santa Fe, San Marcos, Vista, Valley Center, Scripps Ranch, Mira Mesa, Fallbrook, Oceanside, Encinitas, Del Mar, Solana Beach, San Diego House Values, Escondido, 4s Ranch, Blogroll | 1 Comment »
Tuesday, October 6th, 2009
San Diego Real Estate Blog
The San Diego Real Estate Market has seen better days. It’s not that there aren’t buyers seeking that perfect place to call home sweet home it’s the little inventory they have to choose from. Inventory is low especially in some areas of San Diego County in the first time homebuyer price ranges. So low that many VA and FHA buyers are taking their chances on short sales, which may or may not ever close escrow, and waiting it out.
I can’t tell you how many questions I answer on Trulia about buyers and short sales. Buyers are always asking, what takes so long, how come the banks won’t approve my offer, what’s going on, why did they take another offer, why did the bank foreclose on the home when I had an offer on it for 8 months, why is the seller declaring bankruptcy, and on and on. It’s like writing an offer on a home and putting it into a black hole and hoping something good comes out on the other end. It usually doesn’t.
Keep in mind if you’re a buyer who wrote an offer on a short sale you probably are in competition with 5 to 50 other buyers. Only 1 of those offers will get accepted and many times the home will go to foreclosure and no one gets it. It’s frustrating for everyone involved including all agents, the negotiators at the banks, sellers and all the other buyers trying to buy the home. Just think how the seller feels….. they are losing their home, their dreams, their investment, they and their family – kids, dogs, cats now need to find another place to live, most likely a rental or in with family, and their life is being turned upside down. Kind of puts things in a different perspective when you look at it from the side of the one who is losing the home.
San Diego Home Buyers using a VA or FHA Loan to buy a home or condo are often in third and fourth place when writing offers on foreclosed properties. They have that going for them too. The problem is with so many investors in the market buying foreclosures for cash or large sums of money down in conventional loans the VA and FHA loans aren’t usually the best way to go for an asset manager looking at offers on the REO asset they are managing. On cash offers they don’t have to worry about appraisal issues or finding out a buyer really doesn’t qualify for the loan to buy the foreclosure. It’s an unfortunate situation that people who want to buy the home to live in and be part of the community are being put in the back seat to investors looking to make a buck. But it is what it is and for now it’s bad news for some VA and FHA buyers. Hang in there. Times will change.
If you need help buying or selling a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
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Posted in Otay Mesa, National City, Paradise Hills, San Ysidro, Alpine, Bonita, North Park, College Grove, East San Diego, Mission Hills, Mission Valley, El Cajon, La Mesa, San Diego Relocation, San Diego Market Report, San Diego Real Estate News, Ocean View Hills, San Diego Short Sales, San Diego Real Estate Blog, Lakeside, Santee, Spring Valley, San Diego Foreclosures, University City, Sorrento Valley, Rolling Hills, Otay Ranch, San Miguel Ranch, Sunbow, Windingwalk, EastLake, Chula Vista, San Diego Real Estate, Central Coastal, East County, South Bay, San Diego MLS, Pacific Beach, Mira Mesa, Rancho Penasquitos, Clairemont Mesa, Downtown, 4s Ranch, San Diego House Values, Carlsbad, Carmel Mountain, Encinitas, Oceanside, Blogroll | No Comments »
Sunday, August 23rd, 2009
San Diego Real Estate Blog
I Googled San Diego Real Estate this morning and saw the top rated spot was a news article from the Union Tribune, Real Estate Expert: San Diego at Leading Edge of Recovery. The Real Estate Expert they site in the article is Lawrence Yun the Chief Economist for the National Association of Realtors. Yun is known for making many blunders and erroneous predictions in the past. Check out http://www.lawrenceyunwatch.blogspot.com/ for some in depth research on Yun’s other predictions and faux pas. I’m a big fan of laying all the facts out on the table for anyone buying a home in San Diego County. A prediction like this headline needs to have all the facts including the ones behind the scenes.
The article Real Estate Expert: San Diego at Leading Edge of Recovery bases the recovery on rising prices and sales. Yun states that there is only a 2.5 month inventory of homes for sale and new home construction sluggish. He said that the demand is strong. In an excerpt from the article Yun confesses: “He began with a confession about how he missed the real estate bubble of 2004-06. Surely, the system had enough checks and balances to avoid a runaway market, he thought at the time. “I was clearly wrong,” he said.” My concern now is what else is Yun overlooking through assuming that others have checks and balances in place.
In the UT Article, “He also predicted that foreclosures will continue at high levels for the next 12 months because of the weak economy. But unlike last year, he said this year’s foreclosures are being snapped up in many markets, including San Diego.” The market in many areas of San Diego is saturated with many short sales. Many of the short sales have homeowners in them not making mortgage payments and in the foreclosure process while trying to short sell their home. I think the foreclosures at high levels will carry on well past 12 months. Related Blog Post : http://www.responsiblelending.org/mortgage-lending/tools-resources/new-foreclosures-by-state-for.html
Many agents and asset managers speak of the tidal wave of foreclosures that are coming. I wonder why the banks are holding back all of the foreclosures that should be on the market. If the foreclosures are being held back and not put on the market for sale then there is a false sense of inventory. They are foreclosed on or will be soon but the homes are intentionally not being made available to home buyers. Why? Maybe this is to stabilize and firm up the market. But is this real or false stabilization?
The question is by doing this is it creating another problem of false values like the bubble we just came out of. I don’t know but the information needs to be out there for potential home buyers so they have all the facts when buying. Let’s face it, when NAR says something the news and the public listens. Let’s make sure they have all the facts not just the talking points for getting buyers to buy homes.
Is this last spike in sales and home prices in San Diego due to the mass of foreclosures being held off the market and only a trickling of foreclosures being released for sale? Is there a Great Wave of foreclosures coming? Just do a Google search for REO Tsunami and you will have plenty to read.
I think it is a great time to buy a home in many areas of San Diego County in certain price ranges. I think interest rates are low and the $8,000 tax credit is a helping hand for first time homebuyers. I also think that a home buyer needs to be aware that there are many more foreclosure due to hit the market and the word on the street is that the banks are holding back many foreclosures. If you are considering a home purchase in San Diego do your homework and gather all of the facts.
Union Tribune Article - http://www3.signonsandiego.com/stories/2009/aug/19/real-estate-expert-sd-leading-edge-recovery/
If you need help buying or selling a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
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San Diego Relocation San Diego Home Search by Map
San Diego Home Buyers San Diego Home Sellers
San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
San DiegoListing Book
All Information is believed to be correct but not guaranteed.
Posted in Tierrasanta, National City, Paradise Hills, North Park, Normal Heights, Point Loma, College Grove, Mission Hills, San Ysidro, El Cajon, San Diego Real Estate Blog, San Diego Market Report, San Diego Real Estate News, San Diego Foreclosures, Spring Valley, La Mesa, Lemon Grove, Ocean Beach, Downtown, East County, South Bay, Chula Vista, Central Inland, Central Coastal, San Diego Real Estate, North County Coastal, North County Inland, Carlsbad, Del Mar, Rancho Bernardo, San Marcos, Vista, Poway, Escondido, Oceanside, 4s Ranch, Blogroll | 4 Comments »
Monday, August 3rd, 2009

San Diego Real Estate Blog
San Diego Listing Book
We are Listing Book Agents and all use Listing Book to help you with your San Diego Real Estate needs. Dawn Lewis and The Dawn Lewis Team all use Listing Book to help you buy and sell your San Diego home or condo. We are local San Diego Real Estate Agents that use Listing Book to help our clients find a home in San Diego County. These Listing Book Tools are also essential in Listing and Selling a Home or Condo as well. Please sign up for our Listing Book Tools FREE to help you with your San Diego Home Buying Search.
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San Diego Listing Book Agent
If you need help buying or selling a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
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Posted in National City, La Mesa, Bonita, Mission Hills, Del Cerro, Lakeside, Santee, San Diego Market Report, San Diego Real Estate News, San Diego Relocation, San Diego Real Estate Blog, San Diego Foreclosures, Old Town, Clairemont Mesa, San Diego MLS, Cardiff, Rolling Hills, Chula Vista, South Bay, Carlsbad, Encinitas, Poway, Rancho Penasquitos, Fallbrook, San Diego House Values, Solana Beach, San Diego Real Estate | No Comments »
Wednesday, July 29th, 2009
San Diego Real Estate Blog
I think “Making Home Affordable” the title and the name of the web site have it all wrong, it’s supposed to be “Buy a Home You Can Afford” but most things right now in the world are either upside down or just plain wrong.
I checked out the Obama led web site “Making Home Affordable”. The standard Homeowner’s HOPE Hotline mantra with the HOMES of HOPE 888-995-HOPE number in red to get you to call for urgent help. This government has hijacked the word HOPE from day one and probably won’t stop until they’ve moved on. Which is HOPEfully soon. Not that the next elected group of thugs and profiteers will do much better … I’d settle for doing nothing than the direction we’re heading now.
It was the HOPE of homeownership for many who should never have qualified for the loan that drew them into this burden that now is destroying their lives …. THE MORTGAGE PAYMENT. A HOPE fueled by GREED that lent money to anyone with a faint heartbeat with little regulation and little to no verification of the homeowner’s real ability to pay it back after the ARM would readjust. Lenders were making money hand over fist and could sell the note quickly on Wall Street to a sea of buyers, so why should they care to verify or tighten up on their lending practices. Now the banks and mortgage holders are losing money hand over fist as taxpayer’s bailout them out as well as our government and their buddies…… hand over fist.
The printing presses ($100 machines) are rolling at the Department of Treasury and the money going in every direction imaginable except to where it needs to go. The cost “PAYBACK” is left to our children and their children and so on….. while the baby boomers will have their nest eggs refilled with government pork, $4,500 car buying credit and free healthcare. WHOOOOPI. One of the saddest parts of this whole mess is putting the burden of this generation’s foul-ups on the children and their children. Well I guess they’re doing what they like to do, borrow and spend and expect someone else to pay or somehow get out of it. Their best answer is to pin it on the kids because they don’t have a voice, YET!
HOPE. I used to think HOPE was something like a wish, a dream that you wanted one day to be fulfilled, something in your life or in another’s life that would happen to bring joy into it. Now HOPE is a slogan, a word used by agenda pushers to play on people’s emotions and to get them to go in a specific direction. After all, who doesn’t want HOPE? Right?
Back to the web site …….
On the home page of this web site it asks
Are You Eligible? Please use the self-assessment tools provided on this websiteto see if you are among the 7 to 9 million homeowners who maybe able to benefit from Making Home Affordable.
Right below this is a “Find out if you are eligible” button.
The next web page will ask you to choose if you want to see if you are eligible for “Home Affordable Financing” or “Home Affordable Modification”. Select the one that best fits your desire.
Under “Home Affordable Financing” you have to answer YES to every question to be eligible. That means that you own a 1 -4 unit home, your loan is with Fannie Mae or Freddie Mac, your current on your mortgage payments and “the kicker”- you believe that the amount you owe on your first mortgage is about the same or less than the current value of your house. Remember that last question asked about first mortgage only, not first and second. If you answered yes to all of these cross your fingers and toes and HOPE.
Under “Home Affordable Modification” you also have to answer YES to every question to be eligible. That means your home is your primary residence, the amount you owe on your first mortgage is equal to or less than $729,750, you’re having trouble paying your mortgage, you got your current mortgage before January 1, 2009, and your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner’s association dues, if applicable) more than 31% of your current gross income? HOPEfully you can answer YES to all of the questions and then there’s HOPE.
I don’t want to give a sense of false HOPE to troubled homeowners so I want to be clear about this. Please try and use this web site to see if they can help you. From what I have seen in the San Diego area including Chula Vista is that most homeowners that purchased a home in the past 1-4 years can’t truly answer YES to all of the questions in either category. The ones that can are still only eligible for the Making Home Affordable program.
Most of the homes in many neighborhoods in San Diego County are short sales. This means that there was no loan refinancing or loan modification for the homeowner that allowed them to successfully stay in their home. If there was they would not be short selling the home, and many are short selling their homes and condos. Some truly just didn’t try, shame on them. Most are just way upside down in property value and can’t make the monthly payments since the ARM readjustment or loss of job.
Its simple math, let me show you;
Paid $800,000 for home … worth $500,000 – why do I want this home?
or
Monthly income $5,000…. house payment jumped to $4,900 – need to eat!
These short sale listings will either be sold short or be taken back by the bank through a foreclosure and end up on the market as a Bank Owned REO. I have spoken with many homeowners who just want to get out their homes or condos and just move on. They want to close that door in their lives and open the next one. The choice of keeping a home that has decreased in value 40% in 3 years and a monthly mortgage payment that is just not possible to pay is destroying families.
I have met many that have said “enough, I’ll take the credit hit and short sell my home or let the bank foreclose on it” and they have. I will always ask them if they contacted an attorney and a CPA to go over all of the ramifications of both. This is essential if the path of short sale or foreclosure is in any ones future.
I HOPE this review of the Making Home Affordable web site helps you.
http://www.makinghomeaffordable.gov/
If you need help buying or selling a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
San Diego REO Listing Agent
San Diego Real Estate San Diego MLS
San Diego Relocation San Diego Home Search by Map
San Diego Home Buyers San Diego Home Sellers
San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
All Information is believed to be correct but not guaranteed.
Posted in Bonita, Imperial Beach, National City, Otay Mesa, Mission Valley, Mission Hills, La Jolla, Sorrento Valley, Del Cerro, El Cajon, Jamul, San Diego Short Sales, San Diego Market Report, San Diego Real Estate News, San Diego Real Estate Blog, San Diego Foreclosures, Lemon Grove, Rancho San Diego, Spring Valley, Coronado, Clairemont Mesa, South Bay, Carmel Valley, Chula Vista, Otay Ranch, East County, Central Inland, San Diego Real Estate, North County Coastal, Central Coastal, Rolling Hills, Sunbow, Mira Mesa, Rancho Penasquitos, Vista, San Diego House Values, Solana Beach, Pacific Beach, Carlsbad, Carmel Mountain, Blogroll | 2 Comments »
Friday, May 8th, 2009
San Diego Real Estate Blog
May 2009 - The Mortgage Reform and Anti Predatory Lending Act HR1728 passed on Thursday May 7, 2009. The House of Representatives passed the bill by a vote of 300 to 114 and is said to protect homeowners from questionable and predatory lending practices that were partially responsible for the record home foreclosures and financial crisis.
This Mortgage Reform and Anti Predatory Lending Act sets up rules to ensure that lenders make loans that mortgage borrowers can afford to pay back. The act also bans prepayment penalties on ARMs Adjustable Rate Mortgages that are the real culprit loans in the foreclosure mess. This bill will also hold accountable the secondary mortgage market for following the same rules. One lawmaker said, “The message is simple. Lenders can’t give loans to people who can’t afford them. And borrowers have to tell the truth about their finances when they apply for a loan.” Not to be disagreeing with the administration of hope but isn’t this just common sense?
Nancy Pelosi the Democratic House Speaker said, “The simple fact is that our laws and enforcement efforts did not keep pace with the complexities of a global economy and a financial industry where the greed of some trumped common sense. Insisting on responsible borrowing and lending and ensuring that borrowers enter into mortgages they can repay or refinance will help families protect their most valuable asset — their home — and guard against another financial and housing market meltdown.” I would have to ask Nancy why she didn’t do something about it, she was a lawmaker at the time and there were many economists warning the government about this.
Many San Diego home owners and potential home buyers know the facts about the San Diego housing market and its foreclosure mess. This act, although very important for protecting potential home buyers when getting a mortgage comes in way too late. The damage is already done. I think if anyone dropped the ball it was the U.S. Government and there lack of proper legislation to protect home buyers and the greed that’s within the system itself. Isn’t that what we elect them for? It’s very interesting to see where all of the elected officials got their campaign contributions, the banks and companies now getting all of our future tax dollars in the form of a so called bailout? What a joke.
If you need help buying a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
San Diego REO Listing Agent
San Diego Real Estate San Diego MLS
San Diego Relocation San Diego Home Search by Map
San Diego Home Buyers San Diego Home Sellers
San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
All Information is believed to be correct but not guaranteed.
Posted in East San Diego, Mission Hills, University City, Sorrento Valley, Coronado, Downtown, National City, El Cajon, San Diego Market Report, San Diego Real Estate News, San Diego Real Estate Blog, San Diego Foreclosures, La Mesa, Clairemont Mesa, Scripps Ranch, South Bay, Carmel Valley, East County, Central Coastal, San Diego Real Estate, Chula Vista, EastLake, Rancho Bernardo, Rancho Penasquitos, San Diego House Values, Solana Beach, Carlsbad, Blogroll | 1 Comment »
Wednesday, March 11th, 2009
San Diego Real Estate Blog
The San Diego Housing Commission or SDHC has several home buyer assistance programs for San Diego home buyers. Some of the different home buyer assistance programs include deferred loans, grants for down payments and closing costs, tax credits, and opportunities to purchase homes at below market rate prices. This San Diego home buyer assistance program allow a home buyer to purchase a home anywhere in the City of San Diego. This means that the area must start with the Zip Code 921. This encompasses a huge area of San Diego and includes thousands of homes currently for sale.
Most of these home buyer assistance programs in San Diego are for first time home buyers except for the For Sale Affordable Homes Program. A San Diego First Time Home Buyer is defined as a buyer that has not owned any real estate in the previous 3 years. There are also maximum purchase price limits and area median income restrictions as well.
Some of the programs are:
* 3% Interest Deferred Loan
* Grants for Down Payments and Closing Costs
* Mortgage Credit Certificates (MCC). Can be used for San Diego bank owned properties.
* For Sale Affordable Homes
For more information on the San Diego Home Buyer Assistance Programs please visit the San Diego Housing Commission Web Site. http://www.sdhc.org/hafirstimebuyer1.shtml
Also Visit:
California $10,000 New Home Tax Credit
$8,000 First Time Home Buyer Tax Credit
If you need help buying a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
San Diego REO Listing Agent
San Diego Real Estate San Diego MLS
San Diego Relocation San Diego Home Search by Map
San Diego Home Buyers San Diego Home Sellers
San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
All Information is believed to be correct but not guaranteed.
Posted in Mission Hills, Mission Valley, Logan Heights, Linda Vista, Del Cerro, East San Diego, Normal Heights, North Park, San Diego Market Report, San Diego Real Estate News, San Diego Real Estate Blog, San Diego Foreclosures, Tierrasanta, College Grove, University City, Bay Park, Clairemont Mesa, Pacific Beach, Central Inland, San Diego Real Estate, Central Coastal, Coronado, Downtown, Point Loma, Sorrento Valley, Old Town, Ocean Beach, La Jolla, Blogroll | 1 Comment »
Sunday, March 8th, 2009
San Diego Real Estate Blog
This $10,000 tax credit in the state of California only applies to homes that have never been occupied and purchased between the dates of March 1, 2009 and March 1, 2010. The California home buyers must also reside in the home as their primary residence for at least 2 years from close of escrow.
A qualified home buyer is:
A taxpayer who purchases a single-family residence, whether detached or attached, that has never been occupied, that is purchased to be the principal residence of the taxpayer for a minimum of two years, and that is eligible for the homeowner’s exemption under California Revenue and Taxation Code Section 218.
A qualified principal residence – new home is:
-A qualified principal residence means a single-family residence, whether detached or attached, that has never been occupied and is purchased to be the principal residence of the taxpayer for a minimum of two years and is eligible for the property tax homeowner’s exemption.
- Types of residence: Any of the following can qualify if it is your principal residence and is subject to property tax, whether real or personal property: a single family residence, a condominium, a unit in a cooperative project, a houseboat, a manufactured home, or a mobile home.
- Owner-built property: A home constructed by an owner -taxpayer is not eligible for the New Home Credit because the home has not been “purchased.”
The State of California has set aside $100,000,000 in tax credits for new home buyers. This program is on a first come first serve basis and once the allocated new home tax credit money is gone it’s over. Make sure if your California real estate agent is unfamiliar with this tax credit you let them know about it. You should also contact your accountant. Some details include that the tax credit amount is equal to either five percent of the purchase price or $10,000, whichever is less. Taxpayers must apply the total tax credit in equal parts over 3 successive taxable years which is a maximum of $3,333 per year beginning with the taxable year of when the new home is purchased. This can also be used in addition to the $8,000 First Time Home Buyer Tax Credit in the Stimulus Package.
If you are interested in applying you will need to:
- Do the following within 7 days of close of escrow on your New California Home.
- The seller must complete Part I of Form 3528-A which is the Application for New Home Credit and certifying that the home has never been occupied as well as provide a copy to the buyer or escrow person.
- The buyer will complete Parts II & III of Form 3528-A.
- The escrow person on behalf of the seller and buyer will fax the completed Form 3528-A to FTB at 916.845.9754, and provide a copy to the buyer.
- Fax is the only delivery method that will be accepted and considered for credit allocation by FTB, as the date and time stamp on the fax will determine the order in which credits are allocated.
- Fax only one completed application per residence with all qualified buyers listed. Do not include information on nonqualified buyers. An incomplete application may delay or prevent credit allocation.
- Do not fax the application to FTB before escrow closes.
- Do not fax the application to FTB more than once. We will process the applications in the order received as quickly as possible.
- Escrow companies should only send one application per fax transmission.
- The buyer keeps a copy of the completed Form 3528-A for their records.
- The State of California Franchise Tax Board will have a fill able Form 3528-A online soon. In the meantime, if you fill out the form by hand, please print numbers as clearly and neatly as possible using CAPITAL LETTERS and staying between the lines. The faxes can be very hard to read.
For more information please visit the State of California Franchise Tax Board link.
If you need help buying a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
San Diego REO Listing Agent
San Diego Real Estate San Diego MLS
San Diego Relocation San Diego Home Search by Map
San Diego Home Buyers San Diego Home Sellers
San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
All Information is believed to be correct but not guaranteed.
Posted in Downtown, Del Cerro, Mission Hills, Mission Valley, Coronado, Clairemont Mesa, Poway, San Marcos, Vista, Normal Heights, North Park, San Diego Market Report, San Diego Real Estate News, Ocean View Hills, San Diego Real Estate Blog, Spring Valley, Imperial Beach, La Mesa, Santee, Mira Mesa, 4s Ranch, East County, South Bay, Carmel Valley, Central Inland, Central Coastal, San Diego Real Estate, North County Coastal, North County Inland, Chula Vista, Otay Ranch, Encinitas, Oceanside, San Diego House Values, Carlsbad, San Diego New Homes, Rolling Hills, Sunbow, Windingwalk, Blogroll | 4 Comments »
Sunday, February 15th, 2009
San Diego Real Estate Blog
What’s the deal? There are many ways to look at foreclosures and bank owned homes in

San Diego and Chula Vista California. I have noticed some companies cramming buyers on a bus to look for deals on foreclosures and bank owned homes. Many real estate agents look at this as the most uncomfortable and ineffective way to look at foreclosures and bank owned homes.
Home buyers that are interested in buying a foreclosure in the San Diego area usually select a real estate agent that can help them find the right home in the right area in the right price range. Home buyers don’t pay an agent the seller does. It’s not any cheaper to cram on to a bus with many other buyers and compete for the same deals on homes than it is to have an agent dedicated to working with just you. Usually a day of driving around the wrong neighborhoods and looking at homes not even in their price range or not even the kind of home the buyer wants will cure a buyer of wanting to do this ever again.
Let’s just say you find a foreclosure you like and 3 other families on the deal bus want to buy it. Now you’re competing with 3 other buyers driving the price up and who’s representing who? Like I said as a buyer you don’t pay the agent the seller does. You can have excellent one on one service with a local real estate agent who will research exactly what you’re looking for and find the homes that fit that description. Then the agent will pick you up or meet you at the office and show you the homes that exactly fit your description of what you want in home. Being crammed on a bus and looking at mostly homes that don’t fit what you’re looking for is a wasted day. Your time is valued with us.
When you want to take your San Diego and Chula Vista foreclosure and bank owned home search seriously give us a call. We’re here for one on one professional experienced service for the same price, Nothing! You can either eat with your family at a fast food restaurant or eat at a fine upscale restaurant either way it will cost you the same amount of money, nothing! It would be the same as the restaurant owner paying. When buying a home the seller or the bank on a foreclosure pays the real estate agent not the buyer. Take your time and think this one out. You can have great one on one service or be crammed on a bus. What do you think the deal is?
San Diego Foreclosure Search Tool
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All Information is believed to be correct but not guaranteed.
Posted in San Ysidro, National City, Mission Hills, East San Diego, Rancho San Diego, San Diego Foreclosures, Ocean View Hills, San Diego Real Estate News, San Diego Market Report, San Diego Real Estate Blog, San Diego MLS, San Diego New Homes, South Bay, East County, Central Inland, San Diego Real Estate, Chula Vista, EastLake, Windingwalk, San Miguel Ranch, Otay Ranch, Blogroll | No Comments »
Monday, February 2nd, 2009

San Diego Realtors
Dawn Lewis - San Diego Realtor® Since 1989
Hi,
I’m Dawn Lewis and I’m a San Diego Realtor. You have just found the best San Diego Real Estate web site for searching for San Diego Real Estate. I hope it helps you with your San Diego home or condo search and answers questions you have about San Diego real estate. Please use the tools and features like the San Diego MLS with its great maps and community information.
My Experience:
Realtor® in San Diego Since 1989
SOLD well over 1,500 Homes
San Diego Top Producer
San Diego Relocation Expert
Top Real Estate Negotiator
San Diego New Home Sales Expert
San Diego REO Listing Agent
San Diego Foreclosure Expert
Short Sale and Foreclosure Expert
Winner of many Real Estate Awards in Sales and Customer Service
As you can see I have been a real estate agent in San Diego for quite some time. Please put my experience to work for you and give me a call today.
I love what I do and I would love to help you.
Dawn Lewis
San Diego Realtor®
Start your San Diego Foreclosure Search today.
San Diego REO Listing Agent
Please use the links below to help you with your San Diego Real Estate Search and Information from your San Diego Realtor.
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San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
All information is believed to be correct but not guaranteed.
Posted in Mission Hills, Logan Heights, Linda Vista, East San Diego, Mission Valley, Normal Heights, Bonita, Tierrasanta, North Park, Del Cerro, College Grove, La Jolla, Downtown, Coronado, Ocean Beach, Old Town, University City, Sorrento Valley, Point Loma, Imperial Beach, National City, Spring Valley, Santee, Rancho San Diego, Pine Valley, San Diego Real Estate Blog, San Diego Relocation, Ocean View Hills, San Diego Real Estate News, San Diego Market Report, Lemon Grove, Lakeside, San Ysidro, Paradise Hills, Otay Mesa, Alpine, El Cajon, La Mesa, Julian, Jamul, Clairemont Mesa, Bay Park, Sunbow, San Miguel Ranch, Rolling Hills, Otay Ranch, Windingwalk, San Diego New Homes, Cardiff, Pacific Beach, San Diego MLS, EastLake, Chula Vista, North County Inland, North County Coastal, San Diego Real Estate, Central Coastal, Central Inland, Carmel Valley, South Bay, East County, Carlsbad, Carmel Mountain, Rancho Penasquitos, Rancho Bernardo, Ramona, Rancho Santa Fe, San Marcos, Vista, Valley Center, Scripps Ranch, Poway, Mira Mesa, Oceanside, Encinitas, Del Mar, Solana Beach, San Diego House Values, Fallbrook, Escondido, 4s Ranch, Blogroll | No Comments »
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