San Diego Real Estate Veterans


February 2016

Keep Your Home California!!

keep your home caKeep Your Home California is being expanded and receiving $463 million in additional federal money to aid troubled homeowners.

The federal expansion was authorized as part of the $1.1-trillion federal funding bill Congress passed in December.

Homes for sale in Rancho Bernardo

Keep Your Home California, has been awarded nearly $2 billion since 2012.

According to the Treasury Department the program has assisted 54,000 California homeowners as of Sept. 30.

California will receive the money by the end of this April and the program is extended thru the end 2020.

Find Rentals and Homes here….

Keep Your Home California offers monthly mortgage assistance to the unemployed or underemployed, as well as principal reduction and other assistance.


Video: Yes, I’m the voice behind the …

kwvideoFinding the perfect home has never been easier with my “FREE” KW mobile app … you’ll get the most accurate and up-to-date real estate information that you won’t find on some other apps. Simply target an area by drawing a circle or dropping a pinpoint.

Search for property types with ease and see inside your dream home with full screen photos and property details. The app allows you to connect with me so I can provide you with great service in a shorter amount of time. You can also estimate your home loans with the mortgage calculator.

Just visit the Google play store or Apple app store to download the free app today. Or, simply text KW2NXCXMK to 87778 for the download link.

What does this really mean to you?

Here is a blurb from the Federal Housing Finance Agency regarding HARP. At the end I have boiled it down for you…. you definitely want to read that …. it could save you money.

Home Affordable Refinance Program
Home Affordable Refinance Program

The Federal Housing Finance Agency (FHFA) recently reported that the number of loans refinanced through the Home Affordable Refinance Program (HARP) through the fourth quarter totaled 3,380,558 since the inception of the program in 2009.  FHFA’s fourth quarter Refinance Report shows that 21,079 HARP refinances were completed between September and December.

Homes for sale in San Marcos

FHFA estimates that as of third quarter 2015, more than 367,600 borrowers nationwide still have a financial incentive to refinance through HARP before the program expires in December 2016.  FHFA is starting a social media campaign, #HARPNow, focusing outreach efforts on the top 10 states with the highest numbers of “in-the-money” borrowers that remain eligible for a HARP refinance:  Florida, Illinois, Michigan, Ohio, Georgia, California, Pennsylvania, New Jersey, New York, and Maryland.

Borrowers are considered “in-the-money” if they meet the basic HARP eligibility requirements, have a remaining mortgage balance of $50,000 or more, have a remaining term of greater than 10 years, and an interest rate at least 1.5 percent higher than current market rates.

Call me immediately if you think you fit in this category of homeowner. Let’s see if we can save you money on your mortgage.



Attn: Is your home financed by Bank of America?

Short Sale Update

February 4, 2016 


Distressed California Homeowners May Qualify for California’s Keep Your Home California Transition Assistance Program (TAP)     

If you live in California and feel that you can no longer afford your home and are pursuing a short sale or a deed in lieu of foreclosure, you may be eligible for financial help with your relocation to alternative housing.

Click here for San Diego Foreclosures

The funds come from the Transition Assistance Program (TAP), part of the Keep Your Home California Program.

The state of California is providing up to $5,000 in transition assistance to qualified homeowners who can no longer afford to stay in their homes. Here’s what you must do:

  • Apply for the funds through the “Keep Your Home California” website or by calling 1.888.954.5337.
  • Maintain their home until it is sold or returned to the lender via a negotiated deed in lieu of foreclosure.

For qualified homeowners, these state funds may be used in addition to any other transition assistance that the homeowner may receive by participating in the Federal Home Affordable Foreclosure Alternatives (HAFA) program or in any other pre-offer short sale program.

Click here for San Diego Short Sales

To learn more about the Transition Assistance Program’s guidelines, and how you may qualify, please visit the program’s website at You can also call 1.888.954.5337 and identify yourself as a Bank of America customer.

To see the latest information home/rental information nationwide on your phone download my FREE mobile app here. It connects you directly to me, not some company that monitors your search habits and resales that information to third parties.

Proud to serve,


“Changes” in staging your home to sell

2016-02-03 15.37.18

Staging homes for sale has evolved over the past decade, but has been a proven method to get buyers to make an offer. Some ideas have changed, but others have stayed tested and true. Here are some current staging tips from the pros.

Condo’s & Townhomes in Scripps Ranch for sale

Nix the Stage Set: Setting the dining table with plates, cutlery and glasses, or placing a breakfast tray at the foot of the bed appears too contrived to savvy buyers.

Replace Traditional Furniture: Rent or buy inexpensive contemporary furniture to stand in for pieces that appear dark, heavy, old or ornate.

A New Coat of Paint: It makes a place look clean and fresh – it’s the best money you can spend on staging.

Embrace the Accent Wall: While most walls should be painted neutral hues, some stagers now use a bold color or wallpaper on a single wall.

New Towels and Linens: Fresh, fluffy towels and crisp white bed linens are an inexpensive way to suggest luxury.

Short Sales & Foreclosures in San Marcos

Edit Personal Photos: Stagers used to recommend removing all personal photos, so potential buyers could picture themselves in the home. Now, many say it’s acceptable to leave some photos if they are pleasant or evocative images in handsome frames.

Reduce Clutter: Long considered one of the most vital aspects of preparing a home for sale, it may be more important than ever to tidy up and sell, store, donate or dispose of unnecessary goods.

Clean Out Closets: Having space in closets makes them look larger.

Avoid Scents: Smells that are pleasing to you may be off-putting to potential buyers. Avoid scented candles, fragrant flowers and baking or cooking right before showings.

Do you have of your own staging tips? We’d love to hear from you.


Talmadge Condo Cutie Under $169k

You asked for it, you got it. Now is the time if you have been looking for a home in Talmadge! I actually know the owner and home, it has been well taken care of, has 1 large bedroom with the bath and toilet separated from the sink area. This home has lots of light with vaulted ceilings and stainless steel appliances.

The complex is built in the Hacienda style and is well maintained. I met the President of the HOA and can promise you that there is pride in ownership. This particular unit has Saltillo tiles throughout to give you that Hacienda feel. It’s a groovy complex and there is parking too.

Photos will be coming soon… until then enjoy these images of the Talmadge sisters…. there is more info on them below.

If you are looking for a great place to put your money while the markets are free falling… this condo has rented for $1,000 monthly in the past.

This place will not last long…. there simply are very few homes at this price.

Interesting information about the Talmadge community according to Wikipedia:

The community is named after the Talmadge sisters (Norma, Natalie and Constance), who were silent film stars. In 1927, the Talmadge sisters opened the Talmadge Park real estate development, which contains streets named for each of the sisters.

The architecture in Talmadge is eclectic, with styles including Spanish Revival, California bungalows, Cape Cod cottages and Normandy Style homes. Cliff May, a renowned Southern California architect, designed several homes in Talmadge. Kensington and Talmadge are sometimes grouped together as one community for official purposes, and they are part of the same community planning area.



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