Just want to take a quick moment to thank you for all of your assistance in the sale of our home. Working with you was not only a pleasure, but quite refreshing. Your prompt replies to all our inquiries, your thoroughness and knowledge of real estate and your attention to detail made the transaction of our home quick and easy. We will definitely keep you in mind with future transactions and we will continue to recommend you to our friends and family. Thanks for being such a great person and a wonderful Realtor.
Go to my "about" page to read more testimonials.
If you are looking to buy or to sell your home.... YOU CAME TO THE RIGHT PLACE!!!
As your professional real estate advisor, I focus on client satisfaction. My business is about service and I am not happy until you are happy. My years in the business have provided me the experience to assist you with nearly every real estate need. Whether it's finding you a home, finding the best loan, or helping you getting the most out of selling your home I am here to guide you. If there is anything you need, please let me know.
FIND YOUR NEXT HOME... see Buyer's video...
You need someone who knows this area inside and out! I can work with you to find the right home at the right price for you, including all the neighborhood amenities that matter - not to mention the essential criteria you have for your ideal home. Working with many Investors and Listing agents we get access to properties not active in the MLS system yet, giving you an opportunity to view them before anyone else. Having multiple Agents in my team helps you by always having someone available to show you the properties you want to see.
SELL A HOME... see my listing presentation video and short sale listing video...
When it's time to move, you need someone who will advertise your home, get you top market value, show to prospective buyers, negotiate the purchase contract, arrange financing, oversee the inspections, handle all necessary paperwork and supervise the closing. I can take care of everything you need, from start to close. We are also SHORT SALE SPECIALISTS with a full time negotiator who will follow up on your file until it closes avoiding foreclosure!
BENEFITS OF BUYING A HOME
Pride of Ownership
Pride of ownership is the number one reason why people yearn to own their home. It means you can paint the walls any color you desire, turn up the volume on your CD player, attach permanent fixtures and decorate your home according to your own taste. Home ownership gives you and your family a sense of stability and security. It's making an investment in your future.
Although real estate moves in cycles, sometimes up, sometimes down, over the years, real estate has consistently appreciated. The Office of Federal Housing Enterprise Oversight tracks the movements of single family home values across the country. Its House Price Index
breaks down the changes by region and metropolitan area. Many people view their home investment as a hedge against inflation.
Mortgage Interest Deductions
Home ownership is a superb tax shelter and our tax rates favor homeowners. As long as your mortgage balance is smaller than the price of your home, mortgage interest
is fully deductible on your tax return. Interest is the largest component of your mortgage payment.
Property Tax Deductions
IRS Publication 530 contains tax information for first-time home buyers.
Real estate property taxes paid for a first home and a vacation home are fully deductible for income tax purposes. In California, the passage of Proposition 13
in 1978 established the amount of assessed value after property changes hands and limited property tax increases to 2% per year or the rate of inflation, whichever is less.
Capital Gain Exclusion
As long as you have lived in your home for two of the past five years, you can exclude up to $250,000 for an individual or $500,000 for a married couple of profit from capital gains. You do not have to buy a replacement home or move up. There is no age restriction, and the "over-55" rule does not apply. You can exclude the above thresholds from taxes every 24 months, which means you could sell every two years and pocket your profit--subject to limitation--free from taxation.
Preferential Tax Treatment
If you receive more profit than the allowable exclusion upon sale of your home
, that profit will be considered a capital asset as long as you owned your home for more than one year. Capital assets receive preferential tax treatment.
Morgage Reduction Builds Equity
Each month, part of your monthly payment is applied to the principal balance of your loan, which reduces your obligation. The way amortization works, the principal portion of your principal and interest payment increases slightly every month. It is lowest on your first payment and highest on your last payment. On average, each $100,000 of a mortgage will reduce in balance the first year by about $500 in principal, bringing that balance at the end of your first 12 months to $99,500.
HOUSES FOR SALE IN CHULA VISTA AND ALL SAN DIEGO!