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If you like Adele and are interested in San Diego Real Estate you will enjoy this

Adel’s song “Hello” has been both extremely successful and the source for many parodys of all kinds.  This parody is about Realtors and is pretty humorous.  Please ignore the snow and winter conditions we do not have in San Diego when you are thinking about buying or selling a home in San Diego.  This video was shot in Iowa and really is not like finding a home in Ocean Beach or Point Loma or any other home in San Diego.

It’s fun to have a playful synopsis of the real estate process with your Realtor!



Better to Rent or Own your home?

rent-or-buy-300x300Determining when your personal financial best interests are best served through rental or ownership of your home is not easy.

When making this decision it seems to me that there are, essentially, two important parts.  The first is the analytical analysis and the second is your personal sense of risk tolerance and assumptions you are comfortable making when  modeling the evaluation.  This assumptions are the “unknowns” such as property appreciation, how long you plan to remain in the residence, and the ever changing nature of the Real Estate market.

I think it is safe to conclude that Real Estate over the longer period is a very sound financial strategy.  Simultaneously however, we also know that the Real Estate markets in most parts of America have absolutely had recurring patterns of “Boom” and “Bust”.  Essentially one’s financial outcome for  owning Real Estate is all about timing.

I really troubles me when clients are enthusiastically told that the property they are considering for purchase is really a great price and the value will only go up and up and up.  Maybe this is true and maybe not.  Even today there are plenty of properties on the market at prices below where they were during the last “Boom” time that essentially ended by 2007.

We have seen notable home price appreciation in recent years significantly enhanced by the Fed’s quantative easing of credit and, until fairly recently, plenty of inventory on the market.  Now that the Fed has finally made a minuscule increase in interest rates there is plenty of speculation about when and how much home interest rates will be in the future.  Notably mortgage rates have actually eased since the Fed rate increase which also leads to plenty of opinions including the state of the international economy.

I found the interactive tool in the New York Times to be a great quick analytical tool when considering ownership of your home.  Obviously this analysis is not a guarantee and largely depends on some of your personal assumptions.
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Understanding CMA’s (Current Market Analysis)


I want to share this brief article written by  another person that does a good job capsulizing the importance of CMA’s and why they are important for sellers. Also much of the information in a CMA, like market conditions is very important for buyers. Compliments to Blanche Evans.


Written by  on Thursday, 19 November 2015 3:30 pm

Comparable Market Analysis (CMA) can tell you what buyers recently paid for homes similar to yours, but that’s not all you need to know to choose the right listing price. You need to know the market’s appetite for your home, and that can only come from an overview of your community’s current market conditions.

Market conditions are like a weather report; it helps you predict what the current crop of buyers will do. Using this knowledge, you can price your home to sell quickly, and for the most money possible.

Why is a quick sale important? The right price generates a bumper crop of buyers. If you price your home too high compared to other similar homes, you’ll appear to be testing the market. Buyers will assume that you’re going to be too difficult in negotiations.

Here’s what you need to know – what kind of a market are you in? Market conditions are formed by buyer attitudes, made sunny or cloudy by jobs, incomes, mortgage interest rates, and overall consumer confidence.

It’s possible that your community could have buyer’s and seller’s markets simultaneously. For example, your neighborhood may be hot, while the subdivision a mile away is stone cold.

seller’s market is characterized by confident buyers, short “days on market” and low inventory levels of less than six months on hand. This usually results in rising prices.

buyer’s market is characterized by longer “days on market,” and high inventory levels of seven months’ supply or more. To get buyers to come in from out of the storm, sellers must offer incentives such as seller-paid closing costs or lower prices.

The market conditions will tell you the long and short-term trends. If the market is heating up, you can ask a little more for your home. If the market is cooling, you may need to price your home slightly under the market in order to attract more buyers.

One thing you absolutely should never do is ignore market conditions. It’s said the market is always right. If you price your home too high, you’ll know when you get few to no showings.

That’s why it’s important to ask your real estate agent for occasional market updates as well as a fresh CMA. You’ll get a better idea of what your home will sell for and how long it will take to sell.

Home Buying by Millennials -Analyst’s perspective

Biggest Generation ever

How do Millennials think about and handle Real Estate?

It is notable that the Millennial Generation  is 82 million verses 77 Million Baby Boomers.

In my opinion John Burns is the premier Real Estate analysist for residential for sale and owned housing.  I have been following his analysis for several years in different markets.

There is a lot of discussion in both regular and social media about the “Millennials” and their demonstrated behaviors in work, family and economic circumstances.  Because this demographic group is going to be the largest home buyer group it is interesting to see John’s take on how Millennials think about and handle Real Estate.

I would appreciate your thoughts about the infographic in the link below describing this age cohort .



John Burns Consulting


Giant Family eating area with grand views to the Ocean

Giant Family eating area with grand views to the Ocean


View from Bedroom with grand overlook of the Ocean

SUN 5/10

718 Seagrit ct, san diego, 92109


1,500 Sq  ft plus attached garage

Extraordinary short term income property

                                                                                              Check more information

about the Open House

San Diego Real Estate Information


Spring is moving to Summer in San Diego.  Since this is the time of the year when many are moving or thinking about moving or getting a home I wanted to share a few ideas about this great big decision . Lotsimg006 important matters to think about.  Please let me know if you would like more follow up information.




     Check out  the Real Estate information below

    San Diego Real Estate Buyers News and Information



The moment you walk under the front arbor you are greeted by the charm of this Crown Point Home!

Includes open floor plans, bright kitchen, fireplaces, dining and breakfast area. Large (20×10) enclosed patio is perfect for entertaining and adjoins private back yard.

Find a retreat in the additional room above the garage which features a view of the Bay & Downtown skyline. Wonderful location just 1 block to the Bay and convenient to shops and restaurants



Tips for your Home Search

Searching for your Home
Searching for your Home

8 Tips to Guide for Your Home Search

1. Research before you look. Decide what features you most want to have in a home, what neighborhoods you prefer, and how much you’d be willing to spend each month for housing.
2. Be realistic. It’s OK to be picky, but don’t be unrealistic with your expectations. There’s no such thing as a perfect home. Use your list of priorities as a guide to evaluate each property.
3. Get your finances in order. Review your credit report and be sure you have enough money to cover your down payment and closing costs. Then, talk to a lender and get prequalified for a mortgage. This will save you the heartache later of falling in love with a house you can’t afford.
4. Don’t ask too many people for opinions. It will drive you crazy. Select one or two people to turn to if you feel you need a second opinion, but be ready to make the final decision on your own.
5. Decide your moving timeline. When is your lease up? Are you allowed to sublet? How tight is the rental market in your area? All of these factors will help you determine when you should move.
6. Think long term. Are you looking for a starter house with plans to move up in a few years, or do you hope to stay in this home for a longer period? This decision may dictate what type of home you’ll buy as well as the type of mortgage terms that will best suit you.
7. Insist on a home inspection. If possible, get a warranty from the seller to cover defects for one year.
8. Get help from a REALTOR®. Hire a real estate professional who specializes in buyer representation. Unlike a listing agent, whose first duty is to the seller, a buyer’s representative is working only for you. Buyer’s reps are usually paid out of the seller’s commission payment.
Reprinted from REALTOR® magazine (
Copyright 2008. All rights reserved.

Homebuyer Confidence up 10% year over year


The Mortgage Service Index, a national resource for survey of homebuyers over the last 10 years examines consumer home buying experience and their mortgage behavior. Their recent survey (march 10, 2015) of 1,456 consumers concluded a 10% improvement in Homebuyer confidence in the last year.Here are some key findings:
– 30% of Americans now believe it is a good time to purchase a home (up 10%)
– 29% ofconsumers say they are likely to purchase a home this year (up 8%)
– 40% of consumers see limited available home inventory in their market
– 44% are not familiar with home affordability programsspanish style home on western slope
– Millennials are most optimistic about housing and most likely to buy this year
– Recent buyers positive experience with
 Good Realtor 59%
 Right Lender 57%
Getting loan approval 65%
   Satisfaction with length of process 52%

Still plenty of opportunity for consumers to be more successful with their choice of both Realtor and Lender



With changes in our Real Estate Markets and uncertainties it is often a challenge to sense whether Buying a home or Renting is the best financial option. When you  want to buy a home in San Diego it makes sense to understand conclusions reached  by Real Estate analysts.

Right now this question seems to rest on two fundamental trends we are seeing–First Prices and, secondly, interst rates for buyers.  In our local market of Ocean Beach and Point Loma as well as most of San Diego we have pretty much seen a flatening of price increases.  Also we have seen more instances of prices adjusting down from the higher prices of last year.
Jed Kolko is a Real Estate Economist and has contributed research about housing to many sources including Time and CNN.  He is now the Chief Economist for Trulia.

This recent report concludes that NATIONWIDE buying a home is 38% less expensive than renting.  This, of course varies upon where you live. The extremes are 5% in Honolulu and 66% cheaper in Detroit.

There are many more definitive analytical studies about this and I will be pleased to provide other links to more information. Just ask your question in the comment section on contact form below.  Thanks!


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