Stunning Home in San Elijo Hills Boasts Breathtaking Ocean Views

This highly sought after floor-plan features 4 bedrooms and 3 full baths with a bedroom and full bath on the first floor. Enjoy breathtaking sunset, ocean & panoramic views from your backyard and master balcony. Tasteful upgrades include warm wood/laminate flooring, upgraded kitchen w stainless appliances, plantation shutters, real wood fireplace in living room, spacious 2 car garage and a stamped concrete backyard. Walk to award winning San Elijo Elementary School and San Elijo Middle Schools! This home is ideally located in Westridge with a private feel and gorgeous views. Incredible sense of neighborhood with a sparkling pool/spa area for entertaining friends and family or visiting with neighbors. Private and secure gated community and walking distance to restaurants, cafes and shops in the quaint town square. Over 1,000 acres of protected green space and 19 miles of pristine hiking/biking trails this is the perfect community to enjoy the amazing and active north county lifestyle!
For more information on this home or the local San Elijo Hills Market please call me at 619-822-5772.

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Open House In San Marcos This Weekend August 9th & 10Th

Join me this weekend, August 9th & 10th, 2014 for an Open House at Old Creek Ranch in the city of San Marcos, CA from 1pm - 4pm.




Hosted by Jazmin Tamayo at Solutions Real Estate 619-822-5772  

Address: 2816 Dove Tail San Marcos, CA 92078

SIMPLY GORGEOUS! Don't miss this 4 Bedroom, 4 Bath beauty located in prestigious Mahogany at Old Creek Ranch. Formal living room at entry can be easily converted to 5th bedroom or home office. Tasteful upgrades and designer touches throughout the home! Fabulous gourmet kitchen boasts exquisite granite counter tops, center island, top of the line appliances plus double ovens! Luxurious Master suite with bonus room and adjoining bath with soaking tub. Enjoy your private backyard retreat which includes BBQ island, peaceful views & a sparkling spa! 

Enjoy the Old Creek Ranch lifestyle ideally situated in North County with over 1,000 acres of open space and 19 miles of hiking/biking trails this master planned community provides easy access to all major freeways, beaches, shopping and the award winning community of San Elijo Hills. Your children will attend the acclaimed Rancho Carrillo Elementary School and San Elijo Middle School (the recent recipient of the California Distinguished School award). The convenient location, old fashioned sense of community, miles of trails and dedicated green space offers residents the perfect setting to enjoy our famous San Diego lifestyle!

Check out these other homes in San Marcos:

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Call or Text me today at (760) 440-8522 for more information on San Marcos Homes for Sale or for a FREE Buyer's Consultation.

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Are you a community HERO? To find out how you can earn a REBATE of up to 25% towards your closing costs on your next home purchase, visitwww.HeroesHomeSavings.com

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Common Details Buyers Overlook When Viewing a Home

When you are looking at a potential North County San Diego home to buy, it is important to pay close attention to the details. You want to make certain that you are making the right choice when buying a home. Many home buyers get so caught up in the excitement of purchasing a home that they will often miss many important details. This can be a costly mistake if discovered after the sale of the home is finalized. If you are buying a North County San Diego home, make sure that you don’t miss any of these commonly overlooked details: 

Do the Appliances Work? 

Take the time to test the major appliances in the home to make sure that they are functioning properly. This is often overlooked in a home inspection. It is a good idea to ask your home inspector to run every appliance through its full cycle to make sure that there are no problems. 

What Are the Neighbors Like? 

Although many home buyers will do their research regarding the neighborhood they want to live in, they forget to find out about who their neighbors are.  This may backfire later on once the homebuyer has moved in. Perhaps your quiet neighborhood is disturbed by the sounds of partying late into the night, or your neighbor will let their free-range cats destroy your garden. Take a tour of the areas surrounding the North County San Diego home you want to purchase at different times of the day. Introduce yourself to your neighbors and take the time to ask about your neighborhood and community. They may be able to provide valuable insight into the people that will live around you as well as other important details of your new North County San Diego neighborhood.  

How Many Outlets Does the House Have? 

When you do a walkthrough of a house, you probably don’t notice the number of electrical outlets in each room. However, this is important because many older homes will have fewer outlets and these days the average family has many more electronics. If your home doesn’t have enough outlets for your television, computer and other gadgets, an electrician will need to come and add more – costing you a lot of money. 

Are There Are Water Spots?  

It’s easy to miss water spots, because they will often blend in with the color of the walls or ceiling. However, these spots will indicate that there has been a leak that has not been properly repaired. This will lead to many more problems if left unresolved including more leaks and possibly mold. When you are looking at your potential home, always inspect carefully for water spots in kitchens, bathrooms, attics and any crawl space the home may have.

These are just a few of the common details that home buyers will overlook when they are looking at a potential North County San Diego home to buy.

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For more information and tips about buying a North County San Diego home, contact me at 760-440-8522 or email me at Jazmin@TamayoRealty.com. 

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A Short Sale And Its Effect On Your Ability To Buy Another North County Home

The last few years have been financially difficult for millions of homeowners, with job losses and decline in home values devastating families all over the US. As a result, a great number of homes have gone through short sales, which has had a detrimental effect on consumers' credit ratings.

If you've considered or experienced a short sale, one of the biggest concerns you may have is how it will impact your ability to purchase another property in the future. Here are five key variables on how a short sale can impact your next home purchase.

Duration Of Delinquency Plays A Big Role 

Short sale transactions take a long time to complete, depending on the state that you live in and the bank's policies. During this process, homeowners in a short sale may have trouble continuing to make monthly mortgage payments. The duration of delinquency can have a major negative impact on your credit score, even before the final short sale is reported.

Deficiency Judgments May Have Long-Lasting Effects 

A short sale usually with comes a large debt that is left unpaid that banks look to settle. In the case of short sale, this debt is the difference between the amount owed and the amount for which the home is sold.

When you're on the hook to come up with this difference, a deficiency judgment is filed through the courts and is attached to your credit rating as a negative debt outstanding. This can have a lasting effect on your credit rating, and can hinder your chances of buying a home in the future.

Lower Credit Scores Often Mean Higher Interest Rates 

The poorer your credit rating, the more likely you are to be charged a higher interest rate when borrowing money. With the large cost of a home purchase, a high interest rate over a long amortization period can prove to be extremely costly, which many home owners may find difficult, if not impossible, to pay for.

Larger Down Payments May Be Necessary 

Many banks and credit unions have specific guidelines that require you to put more money down on a future home purchase if you've experienced a housing-related credit issue in the past. Certain banks may request as much 20 percent for a down payment. Many homeowners may not be able to come up with such funds, or may need a lot of time to build up such capital before being able to buy a house.

A Long Waiting Period Might Apply 

Since the housing crisis in the US, many major mortgage insurers and investors, like Freddie Mac, FHA, and Fannie Mae, have implemented new rules on how long you have to wait after a short sale before you can purchase again. Depending on the type of loan, this can be anywhere between two to four years on a short sale.

It's critical to stay informed and understand how these rules can impact your ability to buy a home in the future after a short sale. Speaking with a seasoned mortgage specialist can help you stay in the know, and help you assess your finances and credit health before you plunge into the real estate market in the future.

If you are looking to buy or sell a home on a short sale in San Diego, you should contact a reliable and experienced short sales expert to help you through the process while simultaneously protecting you from any potential losses.

Contact me today at 760-440-8522 for a complete and confidential assessment of your current situation.

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8 Tips To Getting Your North County Home Purchase Offer Accepted

Have you found the perfect North County San Diego home and are ready to buy? The first step in the process is to make an offer on that perfect home to the seller.

But what if the seller doesn’t accept your offer? There are many qualified home buyers out there who are also ready to buy their dream home. With the shortage of homes on the market, many sellers are receiving multiple offers on their properties. This makes it more difficult for you to submit an offer that stands out and gets their attention. How do you prevent someone else from coming in and sweeping up your dream home right from under you?
You will need to make sure that your offer is impeccable and appeals to the seller. In order to help get your offer accepted, here are some tips to keep in mind:

1. Make sure that you have your finances in order before you make the offer on the home, so that you can show the seller your pre-approval letter from your lender. This will demonstrate to them that if they choose you, the process will be quick and easy.
2. Make sure that your offer is neatly presented and includes all of the required information. If the seller receives incomplete offers they might just throw them out. 
3. Be ready to make a decision as soon as possible. If you wait a few days, the home might get snapped up.
4. Be flexible with your closing date, making things easier for the seller.
5. Make your offer as “clean” as possible without too many clauses and requirements. For example, avoid asking the seller to pay for lender’s fees, home warranty, etc. 
6. If you can, give the seller more than the 1% earnest deposit on the price – which will show that you are financially stable and serious about buying the home.
7. Write them a personal letter explaining why you love their home and want to live there, including photos of your family. The personal touch will make you even more memorable.
8. If it comes down to price, add an extra $500 onto your offer. Although $110,000 and $110,500 are not that different, they will look different enough to the seller. 

The best thing to do is to speak to your real estate agent and ask them to figure out what is most important to the seller, such as the terms, the price or the closing date.You can use this information to craft your offer.
As a knowledgeable and experienced REALTOR®, I will help you navigate the process of buying a home and getting your offer accepted. For more helpful tips and information about North County San Diego properties, contact me at 760-440-8522 or email me today. 

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