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If you’re buying a home, you’re probably focused on the upfront costs: your down payment, interest rate, and purchase price. These costs will dictate how much you pay upfront and how much your monthly mortgage payments will be going forward. To aid your home search, you might create a budget around the estimated monthly mortgage payments you will be able to afford. While this is a good start to your purchase preparation, you won’t want to stop there. Making a home buying budget strictly based on the estimated monthly mortgage payments you can afford might put yourself in a difficult financial position down the road.

What cost catches buyers off guard?

Many home buyers – especially first-time buyers – don’t create an accurate budget for their purchase. They’ll take into account the down payment, the monthly mortgage payments, and maybe the monthly insurance costs; but one cost they won’t think of is the maintenance expenses. When you rent a...

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Home prices were surging from 2000 through 2006. Homeowners were sitting back in their recliners watching their home value skyrocket to the heavens. It seemed like the housing market was unstoppable. Then it all came tumbling down with the beginning of the subprime meltdown in March 2007. Values dropped like a rock. Many lost their homes to foreclosure or short sale. Everybody remembers the scars of the Great Recession. Either they were directly affected, or it happened to somebody they knew.

Once again, housing is soaring upward with seemingly no end in sight. Buyers are tripping over each other, willing to pay tens of thousands of dollars above the asking price. Throw in the news of rising inflation and the potential of drastically higher mortgage rates, the madness must come to a screeching halt soon, right? Even though so many are anticipating and reporting that a housing crash is eminent, it simply is not going to occur, not now, not in the next 6-months, and not in the foreseeable...

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According to the National Association of Realtors Confidence Index Survey nearly 50% of homes sold during the four weeks ending May 16th sold for more than their list price. In the next 3 months NAR expects home prices to rise another 6% from where they were a year ago. With these quick surges many homeowners are seeing large increases in their home equity, causing many of them to rethink what their home value is in today’s market. If you’ve been thinking of upsizing or simply doing a cash-out refinance, now is the best time to take advantage of today’s hot prices. Find out your home’s worth by clicking here and reach your goals sooner.

You could also take some of your equity to purchase an investment property.  With the hot rental market, this also makes an ideal market for the savvy investor. Have you thought about investing in real estate but aren’t sure how to start? Reach out today, let’s strategize a plan based on your current circumstances...

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Some Highlights

  • If you're thinking that waiting a year or two to purchase a home might mean you'll save some money, think again.

  • Mortgage interest rates are currently very low, but experts across the board are forecasting increases in both home prices and interest rates.

  • Buying a home now means you'll spend less in the long run. Contact a local real estate professional to put your plans in motion before home prices and mortgage rates climb even higher.

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I have sold a property at 24321 Cimarron Court in Laguna Niguel.
Beautifully remodeled Lake View home with $200K in upgrades! One of the best deals in the area, this home is situated on a cul-de-sac street. Open the front gate to your private front patio area. Kitchen remodeled w/maple cabinets, stainless steel appliances, gas oven, granite counter tops, garden window, recessed lighting & breakfast bar. Formal dining room & living room w/fireplace. Hard to find, this home has the master suite & a 2nd bedroom on the main level. All bathrooms have been remodeled w/maple cabinets, granite counter tops, new faucets, sinks & lighting. The MBA area has dual vanities, garden tub/shower & walk-in closet, while a 2nd bath has a walk-in shower. This plan also features a den, family room & inside laundry. Additional upgrades include vinyl windows/doors, built-in cabinets, aluminum patio covers, interlocking pavers & upstairs balcony. Relax on the rear patio & enjoy the peek-a-boo lake...
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I have sold a property at 956 Tia Juana Street in Laguna Beach.
Impeccably maintained home with peek ocean views, main floor in-law suite and $225,000 in upgrades! Located in Arch Beach Heights, this home sits on a spacious double wide lot. Enter the home through the beautiful 85-year old bonsai plants, stacked stone façade and mahogany front door. The first floor is the 1049 sqft. in-law suite with 1BR/1BA, living room w/fireplace, dining area, kitchenette and separate entrance. The 2nd floor boasts dramatic wood planked vaulted ceilings, sunny kitchen with newer stainless steel appliances, gas range, dining room, living room w/fireplace, 3BR/2BA, peek ocean views from balcony. Other key features include an inside laundry (newer LG Tromm washer/dryer included), hard wood & slate floors, tinted vinyl windows, vinyl sliding doors, hand-textured wall finish, Weatherbest decking, wrought iron railings, and large, rear wrap around patio with flagstone flooring, fountain and...
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I have sold a property at 28095 Palmetto Court in Laguna Niguel.
Beautiful patio home with over $100K in upgrades! Located in the quaint community of Lake Park, this home is situated on a cul-de-sac street. Open the front gate to your private front patio area. Enter the home through the leaded glass front door. Kitchen w/garden window, Brand New LG/Maytag stainless steel appliances, granite c’tops & custom back splash tile from England. Custom cabinets in dining room & living room, marble fireplace. Spacious master suite w/bay window, updated c’tops & faucets, dual sinks & walk-in shower. Guest bath has also been remodeled. This plan also features an office/den (or 4th BR), family room & inside laundry. Additional upgrades include recessed lights, vinyl windows & doors, including Pella doors w/inset shades, tumbled tile floors, baseboards, door moldings, bull nose dry wall corners & interior doors. Relax on the rear patio & enjoy sunsets through the view of the trees. This...
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I have sold a property at 24411 Borrego Court in Laguna Niguel.
Stunning remodeled home located in the heart of Laguna Niguel. This home design is a two story home with spacious master suite on the main floor plus an office or guest bedroom also located on the main floor. Home offers large family room with custom built-in, adjacent is your dream kitchen with beautiful granite counter and lots of cabinetry. Spacious formal dining with French door to patio, large living room with wood burning fireplace. The third and forth bedrooms are large located on the second floor. The location of the home is on a premium lot that offers peace and tranquility. Exterior features include an easy care front patio and yard, private rear patio with open greenbelt views, a sun splashed deck located off one of the upper bedrooms. Stroll to community pool & spa and Laguna Niguel Regional Park. Enjoy close proximity to world famous beaches and golf courses. Click supplements for complete details...
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I have sold a property at 4373 Smoketree Avenue in Yorba Linda.
WOW – Beautiful, remodeled pool home with $175K in upgrades! This home is an entertainer’s delight with its functional, multi-level floor plan, pool & surround sound system. 4BR/3BA + Office/Bonus room. Gorgeous, remodeled kitchen with Kraftmaid cabinets, stainless steel appliances (KitchenAid & Miele), wine cooler & large L-shaped island, remodeled bathrooms, formal dining room. Enjoy a warm, cozy night in front of any/all of the 3 fireplaces (LR, FR, MBR). Spacious master suite also features a balcony overlooking the pool, dual vanities, double walk- in closets & separate tub & shower. No excuse not to take time to play in this large wrap around yard with pool & spa. This home also features an open floor plan, vaulted ceilings, newer travertine floors, updated vinyl windows & doors, skylights, crown molding, updated baseboards, newer garage doors & shows price of ownership! Located in the heart of Yorba Linda,...
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I have sold a property at 1-D 3500 Bahia Blanca in Laguna Woods.
Nestled high on a bluff lies this unique gem. It backs up to the wilderness area out back and in front overlooks a winding gorgeous tree-lined street, bursting with charm, seen through the graceful arches on the covered patio which has its own exit gate.Entering the kitchen you will find Silestone natural quartz counter tops, Bosch dishwasher, black Blanco Silgranit kitchen double sink with an upgraded faucet, stand-alone 5-burner stove with self cleaning oven, side-by-side refrigerator with water in door. The pantry area has convenient easy-roll drawers, there are unique custom tiled walls (in both kitchen and bathrooms) and are simply gorgeous. In addition, it has double thermal pane windows, crown molding, and plantation shutters and the bathrooms have beveled glass mirrors and medicine cabinets. What are you waiting for? This won't last. Come take a look. Imagine living minutes away from Laguna Beach in...
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