Danielle Negroni
Licensed Realtor
Coastal Premier Properties

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55 and Over Communities: They’re Not What You Think

June 18, 2018 by Danielle Negroni Leave a Comment

Where did your mind go when you read the words “55 and Over Community”? Did you suddenly have visions of golf courses and bingo nights and shuffleboard and….your grandparents?

If you’re age 55 or older, you might not consider yourself retirement ready. Perhaps, however, you are ready to live among your peers and away from the typical neighborhood chaos of young families.

Today’s 55+ communities aren’t what you think they are. Many luxury active adult projects have sprung up in recent years in San Diego, offering homeowners resort-style amenities and more.

Here are 8 reasons to consider moving to a 55 and over community in San Diego:

 

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Lower Costs

Homes and condos in a 55 and over community are usually smaller and priced less than similar homes in the area. This may give you the opportunity to buy in a more upscale area than you were able to previously afford.

 

Less Maintenance

Even if you purchase a detached home, many active adult communities will take care of some or all of your home’s exterior maintenance needs. With less square footage to take care of inside, you’ll be able to spend more time enjoying your home and new community.

 

Floorplans Designed For Your Stage in Life

Many 55 and over communities offer single story floorplans or contain the essentials like the kitchen and master suite to the main floor. You may also find homes with wider doorways and other features that are geared towards helping you age gracefully.

 

Security

Gates, restricted access, and security patrols are common features of active adult communities. If you live alone, you may enjoy moving to a community with these services.

 

Peace and Quiet

The minimum age limit of the community means that children and younger adults will only be guests of the community and as guests, will need to abide by the community rules. This might be a welcome change if you’ve previously lived in a community with a lot of children and teenagers. Think garage band.

 

Location

Most 55+ communities and certainly some of the newer projects are close to shopping, dining, entertainment, medical facilities, and more. Some active adult communities provide transportation to these nearby resources.

 

Amenities

The amenities available in 55+ communities vary wildly from project to project, but many of the newer luxury communities offer very attractive amenities. Sparkling pools, state-of-the-art gym facilities, clubhouses, BBQ pits, pickle ball, bocce ball courts, golf courses, and more. There may also be additional services offered that are geared towards an aging community like health services, housekeeping, meal preparation, and more.

Be aware that buying into an active adult community usually means you will need to pay more fees, either in the form of increased HOA dues or just general fees to cover the cost of all the amenities and community maintenance.

 

Opportunities for Socialization

One of the prime reasons people choose to move to a 55+ community is because of the opportunities to socialize and develop friendships with your neighbors. Along with the great amenities, many communities offer monthly or weekly events to get you out of the house and interacting with other people. Everything from fitness classes to yes, bingo games, help retirement-age people fill their time. Homeowners will tell you it’s the social activities they love.

When shopping for a home in an active adult community, be sure to check out their events calendar to see what kinds of activities and social outings they plan. It will be one indication if the neighborhood may be a personal fit.

 

If you are thinking of downsizing from your current home, I would love to talk to you about your next step, whether that’s buying in a 55 and over community or somewhere else. Give me a call at (858) 735-5767!

Filed Under: Downsizing, Home Buyers, Home Sellers, Moving Tagged With: 55 and older communities, 55 and Over Communities, 55 plus communities, 55+ communities, 55+ condos, 55+ homes, active adult communities, active adult living, active retirement communities, advantages of senior living communities, benefits of living in a retirement community, downsizing, downsizing home, downsizing house, downsizing your life, how to find a retirement community, over 55 communities, over 55 housing, over 55 living, pros and cons of 55+ communities, retirement homes for 55 and over, san diego, san diego real estate, san diego real estate agent, san diego realtor, what is it like to live in a senior community

8 Things to Do When Buying a New Construction Home

June 8, 2018 by Danielle Negroni Leave a Comment

New construction homes have a certain appeal that existing homes don’t. They’ve never been lived in so you won’t have to wonder about the home’s history. You’ll have the opportunity to customize your home from the ground up, rather than trying to modify what’s already there. And you won’t have to deal with an emotional seller.

 

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But if you’ve decided to purchase a brand new home in San Diego, there are a few things you shouldn’t forget to do:

 

  • Hire Your Own Agent

Many buyers of new construction don’t think to hire their own real estate agent – but they really should. The sales agent is being paid to represent the builder’s interests, not yours. Plus, since you’re buying the home (not selling) the builder will most likely pay your agent’s commission. So it’s really a no-brainer to hire your own agent to represent you and negotiate on your behalf!

 

  • Ask About Extras

 

Don’t assume that what you see in the model home comes standard. Ask about what’s included and not included in the advertised purchase price. If you want to pay for additional upgrades, prioritize those things you can’t easily change about the home, like square footage and lot location. You can always install different flooring or repaint later and it may be cheaper to hire your own contractor to do the work anyway. Builders often mark up the prices on upgrades. You can ask your agent to give you a ballpark estimate of what a particular update might cost. Or they can refer you to a trusted vendor who can give you an estimate.

  • Research the Community

Depending on where the builder is in construction, you may not have a clear picture of what the community will be like when it’s finished. Make sure to ask how many total homes will be built and what community amenities will be offered. You should also find out about plans for the land outside the community. If there’s empty space now, what will be there in the future? Find out if any new schools will be built and if there are plans to modify the existing roadways to accommodate the increase in traffic.

 

  • Negotiate

While most builders do not want to compromise on price, they may be willing to throw in some extras or make concessions in other ways. It never hurts to ask. Your agent will be instrumental during this negotiation phase.

 

  • Ask About Warranties

Don’t forget to ask about warranties for the things that will be installed in the home. You can’t assume because something is new that you won’t have a problem with it. Make sure you understand what’s covered and what’s not and if there’s any special process you need to follow to get repairs done in the future.

 

  • Get Everything in Writing

Just as you would if you were purchasing an existing home, get everything you’ve negotiated and agreed upon in writing. Since the home may not be built yet, it’s important that the contract explicitly spells out how the home will be completed and what will happen if the home is not finished on time.

If you don’t understand what you’re signing, this is another area where it pays to have your own agent. Your agent will be able to help explain the contract to you and if there’s anything that stands out as a red flag, they should be able identify it for you.

 

  • Shop Lenders

Builders often prefer to use their own lender, but that lender may not be the best choice for you. You should find out if there’s any incentive to use the builder’s lender and meet with them, but you should also talk to one or two other lenders to help you make a decision. Though there may be an incentive now to use the builder’s lender, if you can get a better rate elsewhere that might make better financial sense for your family in the long run.

 

  • Get a Home Inspection

Getting an independent inspection of your new home before closing is always a good idea. After all, you want to know what you’re buying and ensure that the work was done properly and up to code. Workers can make mistakes so it never hurts to hire a professional to double-check. You will want to make the time to be there for the inspection so you can hear what the home inspector has to say first-hand.

 

If you’re thinking of buying a brand new home in San Diego, I would love to tell you about the great new communities that are being built and take you to tour the model homes. And if you find one you like, I’d be happy to represent you on your purchase. Give me a call at (858) 735-5767!

Filed Under: Home Buyers, San Diego Tagged With: buying a brand new home, buying a new build, buying a new build home, buying a new build house, buying a new construction home, buying a new home, buying new construction, new build homes, new home construction, san diego, san diego real estate, san diego real estate agent, san diego realtor

How to Save For a House

May 27, 2018 by Danielle Negroni Leave a Comment

Budgeting to buy a home in San Diego can feel like a monumental undertaking. It doesn’t help that home prices keep going up – in May, the San Diego Union-Tribune reported that the median home price in San Diego County is now $570,000! Still, home ownership is one of the best ways you can build wealth for yourself and your family. It just may take you longer to afford a home in San Diego than in another part of the country. But if you’re committed to being here for the long haul, you should start budgeting to buy a home if you haven’t already.

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Step #1: Raise Your Credit

If it’s been awhile since you’ve checked your credit, take a look at your score and start working on making improvements where you need them. You can refer back to this post where I answered a few common questions people typically have about their credit score for ideas on what to do to improve your score. Your credit score is a crucial part of the home buying process because it helps determine what rate you get for your mortgage and can even qualify you for special loan programs.

Step #2: Determine How Much You Need to Save

Next, you’ll need to determine how much you need to save for a down payment. You don’t need to put 20% down! There are many loan programs you can qualify for that require just 3-5% down. You can use the median home price for San Diego County as a baseline or if you already know what you want to buy, check current home prices in that neighborhood. Keep in mind that if you put less than 20% down on a home, you’ll need to pay Private Mortgage Insurance (PMI) which is an extra cost on top of your mortgage. However, you may be able to refinance out of it once you’ve built up enough equity.

Step #3: Decide on a Time Frame

Once you’ve figured out how much you need to save, you need to decide when you’d like to buy a home. In five years? Or two? Divide the amount you need to save for your down payment by your ideal timeframe to figure out how much you need to contribute annually to your house fund. From there, you can figure out your monthly savings goal.

Step #4: Create a Budget

Saving for a home requires setting (and keeping) a budget. You’ll likely need to make changes to your spending habits in order to successfully save for a home and that starts with taking a hard look at where your money is going. While you’re reviewing your finances, you’ll also want to consider your Debt-to-Income ratio (DTI). Most lenders require your DTI to be below 40%. Special circumstances apply, but in general you should be working to bring your DTI to below 40%. That might mean paying off more of your student loans or reducing your car payment. And while you’re creating your new budget, don’t forget to budget for your emergency fund. You’ll need to show the lender you have additional cash reserves besides your down payment for closing costs and the inevitable repairs your home will need.

Step #5: Set Up a Special, Automated Savings Account

Go to the bank and set up a special savings account for your down payment. Then, set up automated transfers from the account you currently deposit your earnings into. Making this an automated process ensures that you won’t “accidentally” spend your house savings on a new computer or a vacation. Treat this savings account as if it is completely off-limits and do not dip into it except in dire circumstances. Emergencies happen, but you need to be honest with yourself about what constitutes an actual emergency.

Step #6: Contribute the Extras

Did you get a tax return this year? A bonus? Put these unexpected windfalls into your home savings account. You weren’t expecting those funds anyway so you won’t miss it.

You should also work to actively raise your income at your current workplace or pick up a side hustle like driving for Uber or selling thrift store finds on Ebay. Use any extra cash you earn from your side hustle as additional fodder for your down payment fund.

Step #7: Be Flexible

Life happens. Be kind to yourself if things don’t go according to plan. Just do your best and be as consistent as you can.

If you’re feeling like you might be ready to buy, check out my Total Beginner’s Guide to Buying a Home. Then, give me a call – I’d love to help you become a San Diego homeowner!

Filed Under: Home Buyers Tagged With: best way to save for a house, best way to save money for a house, how to save for a house, how to save money for a house, how to save money to buy a house, how to save to buy a house, how to save up for a house, how to start saving for a house, saving for a home, saving for a house, saving money for a house, saving money to buy a house, saving to buy a house

6 Common Home Buying Questions – Answered!

May 15, 2018 by Danielle Negroni Leave a Comment

Even if you’re not a first-time home buyer, it’s okay to admit that you still have questions about the process of buying a home. No transaction is ever the same and the mechanics can change drastically between transactions, especially if it’s been a few years since you purchased a home in San Diego.  Below, I’ve answered six common questions I often receive from home buyers:

 

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1) How Much Home Can I Afford?

Affordability is the question on everyone’s mind as home prices in San Diego continue to rise. It’s easy to feel discouraged and wonder if you can afford to buy anything. The truth is, you may not be able to afford the house you want. Yet. Or, you may be pleasantly surprised! The best way to determine how much you can afford is to meet with a lender to get you pre-qualified. You’ll still need to get pre-approved for a loan before you can buy, but getting pre-qualified will give you an idea of what you can afford for a monthly mortgage payment. Of course, you also need to consider the cost of HOA dues, Mello-Roos fees, and contributions to your emergency fund. Once you have these numbers in mind, you can compare them to home prices in the neighborhoods you’re considering.

But, if you realize you can’t buy the home you want in your dream neighborhood, don’t give up! Give me a call, I’d be happy to give you some other options to consider that might realistically fit your budget.

 

2) What Should I Offer For a Home?

Before you write an offer on a home, there are many things you should consider. What is the seller’s motivation for selling? How long has the home been on the market? What do the comps show? Is the home listed as-is?

I will help you evaluate each home you want to write on and help you craft a strong offer. But be prepared that as San Diego is in a seller’s market, you’re likely going to need to offer near full price or perhaps a little more to secure your home, especially if it’s turnkey and in a desirable area.

 

3) How (and When) Do I Set Up Home Inspections?

Once we have your home in escrow, I will help you schedule all necessary inspections and make sure we get the appointments set before we need to remove contingencies. The inspections are your chance to investigate what you’re buying so it is important that you be there for as many as you can so you can meet the inspectors and see what they see.

 

4) How Quickly Can I Close Escrow?

Most escrows can be closed in 30-45 days. If you’re paying all cash for your property or waiving contingencies, you may be able to close in less. However, you or the seller may need a longer escrow for a variety of reasons. We will negotiate the length of the escrow during the offer process and will find a timeframe that works for both you and the seller.

 

5) If I Want to Do the Repairs on My New Home Myself, Can I Ask For Concessions?

Yes, you can, though the seller may not be inclined to give them to you. A lot depends on their financial situation and the terms of your loan. The seller may be selling their home as-is because they truly cannot afford to pay for the repairs that are needed to fetch a higher price for the property. Certain repairs may also need to be completed prior to closing escrow in order to fund your loan. The lender will be able to advise on specifics, but most loans require the home to be habitable in order to fund.

 

6) How Much Should I Budget For Closing Costs?

Your actual closing costs will vary, but plan to budget 2% of the actual purchase price. So if the home you’re purchasing is $500,000 expect to pay around $10,000 and in closing costs. The escrow company will provide you with an estimate once you get into escrow, but in addition to your down payment, make sure you put aside money to pay closing costs – most buyers and sellers each pay their own closing costs so don’t expect the seller to cover this for you!

 

If you still have questions about the home buying process, please don’t hesitate to reach out. I don’t believe in stupid questions – I’m here to help you in any way that I can!

 

 

Filed Under: Home Buyers, San Diego, Uncategorized Tagged With: 1st time home buyer, first home buyer, first time home buyer, first time home buyer faq, first time home buyer guide, first time home buyer questions, first time home buyer questions for realtor, first time home buyer questions to ask realtor, first time home buyer tips, home buying questions, how to qualify first time home buyer, questions first time home buyers should ask, questions to ask as a first time home buyer, san diego, san diego real estate, san diego real estate agent, san diego realtor

4 Great Places to Shop For Home Decor and Furniture in San Diego

April 22, 2018 by Danielle Negroni

In San Diego we’re lucky to have access to both chain furniture stores and local boutiques. It makes decorating a home a breeze. But while you can always find great pieces at West Elm, Pottery Barn, and Crate & Barrel for your new house, it’s a good idea to mix and match pieces from different stores to avoid having your home look like a catalogue with too many matching sets. I always like to check out our local stores when I get the chance and these four San Diego shops are some of my favorite places to look for furniture and decor for my own home.

Skylar’s Home & Patio

Website

Skylar’s Home & Patio has two locations in San Diego, Carlsbad and Kearny Mesa. They sell high quality furniture for both indoor and outdoor living in a variety of styles. They carry top brands like Dovetail Furniture, Fermob, Kingsley Bate, Polywood Eco-Friendly Furniture, and Hunter Douglas window treatments. They also offer design services if you need help picking out furniture and decorating your home. If you can’t make it in to their store, you can also shop much of their inventory online.

Nativa Interiors

Website

The husband-and-wife team behind Nativa Interiors created their brand with the vision to offer high-quality home furnishings at a fair price. Alongside their own creations, they also carry luxury brands like Lee, American Leather, Stressless, and Gamma Arredamenti. In addition to the beautiful pieces available at their two show rooms in Solana Beach and La Jolla, they also offer interior design services.  In their words, “Nativa Interiors is no longer a furniture store where customers came to buy one piece of furniture but rather an exclusive resource where our customers come to work with our interior designers to transform a house into a dream home.”

Kern & Co

Website

Kern & Co is my go-to resource for specialty pieces. They are a high-end furniture and interior design company with two showrooms in Solana Beach and Rancho Santa Fe. Kern & Co offers selections from leading brands as well as custom furniture options, upholstery, window treatments, and kitchen and bath designs through their partnership with Susan Spath Inteior Design. Susan’s team can help you bring your vision for your home to life.

Living Spaces

Website

While Living Spaces has locations outside of San Diego, they’re not as main stream as Restoration Hardware or Z Gallerie. Living Spaces carries many great brands like Magnolia Home by Joanna Gaines and Studio 7 Collection. While some furniture stores have a signature style that infuses all of their offerings, Living Spaces has something for everyone. You can shop for mid-century modern, coastal, transitional, and rustic pieces (among other styles) online or at one of their two San Diego locations. Living Spaces also has great accessories to outfit a home or office.

 

But remember, while you may be daydreaming about all the new pieces you’d like to buy for your home, make sure you close escrow before making these big purchases. You could jeopardize your escrow by making significant charges to your credit card, which can impact your debt-to-income ratio and affect your loan approval.

If you’re planning to buy a home this summer, I would be happy to meet with you and discuss how we can get you into the San Diego home of your dreams!

Filed Under: Home Buyers, Home Owners, San Diego, Uncategorized Tagged With: best furniture stores in san diego, contemporary furniture san diego, del mar, furniture san diego, furniture stores in san diego area, furniture stores in san diego ca, furniture stores san diego, home furniture san diego, kern and company, living spaces, mid century modern furniture san diego, modern furniture san diego, nativa interiors, rancho santa fe, san diego, skylar's home and patio, solana beach

18 Things to Evaluate When Touring a Home For Sale

February 25, 2018 by Danielle Negroni

If you’re searching for a new home in San Diego, you might see five homes or fifteen before you find “the one”. While it’s important to consider whether you like the home or not, there are other things you should consider as well. Here are 18 things you should evaluate before moving forward with the purchase:

How’s The Neighborhood?

When you buy, you’re not just getting a house. You’re buying the neighborhood, too. Make sure it’s somewhere you can see yourself living. You should also check if the house you’re touring is the best house on the block…which could be a problem when you go to sell it.

How Many Homes Are For Sale on the Same Street?

Neighborhoods turn over all the time, but if there’s a sign in almost every front yard, it could mean there’s something wrong with this location.

What’s the Parking Situation?

This isn’t such a big deal if you’re buying in a suburban area, but you’re looking to live in an urban area or near the beach, you’ll want to check out the parking situation. Does the home or condo have its own dedicated parking spaces? If so, where are they in relation to the property? If there’s a garage, will your car(s) actually fit in it? How about the driveway? Is it long enough or wide enough to accommodate your vehicles?

Are There Exterior Signs of Neglect?

When you walk up to the home, pay attention to its curb appeal. Are there weeds? Cracks in the driveway or walkways? Is the paint peeling? If the home shows exterior signs of neglect, chances are the home as a whole hasn’t been well cared-for. Most problems will be uncovered during the home inspection, but the home might have up-front maintenance issues after you move in.

Is the Roof in Good Condition?

Roofs can be pricey to repair or replace. And if the roof isn’t in good condition, there could be water damage or rot underneath. Ask your agent about the age of the roof and take note of any missing shingles or tiles.

Is the Lot Level or Steep?

When viewing a home, you should also be thinking about what you might like to do with your property in the future. A level lot will afford you the most options for the least amount of money. A steeper lot might take some creative engineering (and a lot of cash) to make your dreams a reality.

How’s the Layout?

Once you get inside the home, you should take note of the floorplan of the home. Does it flow naturally from one space to the next? Or does it feel choppy and awkward? The latter might not necessarily be a dealbreaker, but you should always have the property’s resale value in the back of your mind.

Does the Home Receive Adequate Natural Light?

If you can, view the property at different times of the day and note how much light comes in. You can combat poor natural lighting with artificial lamps, but your energy bills will likely go up as a result.

You should also consider the home’s orientation. In the summer, any rooms that face west will be warmer than the rest of the house. If the home doesn’t have A/C, those rooms might be too hot to use. That could be a problem if they are ones you plan to spend a lot of time in – like the living room, home office, or kitchen.

What’s the Condition of the Appliances?

You can ask your agent to find out the age of the appliances in the home, but you should also inspect them yourself for signs of aging. Look out for rust, mold, or other evidence of neglect. If the appliances in the home you’re considering buying are older, you’ll probably need to budget to replace them in the next couple of years.

Are There Interior Signs of Neglect?

It’s easy to tell at a glance if a home has been well-cared for. Is the paint peeling or discolored? Are the baseboards scuffed? Is there a layer of dust in the corners of the room? Any unidentifiable stains on the floor? Yes, these are all superficial issues, but there are likely other, deeper problems hiding beneath the surface.

Does the Home Have a Musty or Odd Smell?

If the home smells damp or musty, there could be mold somewhere. If the home smells like pets or smoke, you’ll likely need to replace the carpet and flooring to get rid of it.

Do the Doors or Windows Stick? Are There Cracks Around the Windowsill?

Unless the sellers have explicitly designated an area as off-limits, don’t be shy about opening and closing the doors and windows. Sticking can be a sign of poor installation or foundation issues. Either one presents a costly problem to fix. You should also look for visible cracks around the windows. This can indicate that the home has foundation problems.

Is There Ample Closet Space?

Make sure you check out the closet space in the home. Even a small house will feel spacious if there’s enough room to store your things.

How Are the Pipes?

Plumbing is such an integral part of the house that it can be costly to repair. Discretely check under the sinks and around the showerheads and toilets. Is there any discoloration or spots of mold? These could be signs of a leak. You should also turn on the water and flush the toilet to check the water pressure. Poor water pressure could indicate a plumbing problem.

What’s the Privacy Like?

While you’re looking at the home itself, don’t forget to look out the windows. Can the neighbors see straight into your bedroom or bathroom? You may be able to build a higher fence or add hedges, but you’ll have to budget for these modifications and live with the situation until the work is done.

How’s the Noise Level Inside the Home?

Make sure you use your ears when viewing a home. Can you hear the road? The neighbor’s dog? The playground nearby? You may think you can live with the noise…but it also might drive you crazy after moving in.

Is There Water Damage on the Ceiling?

Don’t forget to look up as you walk through the home. Stains or discoloration on the ceiling could be a sign that the roof leaks. If this issue has been going on for awhile, the repairs could be costly.

How Much Maintenance Will the Yard Require?

Everyone wants a big, grassy backyard until they realize how much time and energy is required to keep the grass green and neatly trimmed. Same with a pool. If you don’t see yourself spending a lot of time enjoying that pool or patch of grass, you’ll probably like taking care of it even less.

 

If you’re ready to start touring homes in San Diego or have found “the one”, I would love to represent you!

Filed Under: Home Buyers, Uncategorized Tagged With: 1st time home buyer, buy a house, buying a house, carmel valley san diego, del mar, del mar real estate, del mar real estate agent, del mar realtor, first home buyer, first time home buyer, first time home buyer guide, house viewing checklist, la jolla, la jolla real estate, la jolla real estate agent, la jolla realtor, process of buying a house, san diego, san diego real estate, san diego real estate agent, san diego realtor, solana beach, solana beach real estate, solana beach real estate agent, solana beach realtor, steps to buying a house, things to look for when buying a house, tips for buying a house, what to know when buying a house, what to look for when buying a house, what to look for when touring a home

9 Pieces of Open House Etiquette You Should Know

February 4, 2018 by Danielle Negroni

An important part of the home buying journey is to check out houses for sale in the neighborhood where you want to buy. While your agent can take you on a private showing, sometimes it just makes sense for you to go to the open house by yourself. But before you walk through the front door, make sure you’ve brushed up on your open house etiquette!

Do Say Hello to the Host

It’s not only polite to greet the agent holding the open house, it’s important to let the agent know you are there. Some agents will let you move freely through the house while others will insist on giving you a tour. No matter how much you might want to wander around on your own, if the agent insists on going with you, let them. They may have received specific instructions from the seller to accompany buyers through the house. While the agent is holding the home open so buyers can view the property, they also have a responsibility to watch over the home and the seller’s belongings.

The agent will also usually ask you if you’re working with an agent. If you are, don’t be afraid to tell them. If you have one of your agent’s cards, you can give it to the Realtor at the open house. They will then contact your agent to follow-up after the open house instead of you.

Don’t Keep Your Shoes On If Asked to Remove Them

Make sure you wear comfortable shoes that are easy to remove when you visit an open house. If the agent on duty asks you to remove your shoes or wear slip-on booties, follow their instructions. There will usually be a place designated for you to take your shoes on and off.

Do Sign In If the Agent Asks You To

You may be reluctant to sign the guest register, but if asked, please comply. Yes, you’re providing your personal information to yet another real estate agent, but they also need to keep a record for the seller of who was in the home in case of any issues. If you don’t want the agent to contact you, just tell them or leave a note in the register. Most agents will respect your wishes.

Don’t Open a Closed Door Without Permission

Always ask before opening a closed door. If the seller has pets, they may be behind the door. Or the seller might have designated a certain room or closet as an off-limits area. Be polite and ask before opening!

Do Ask Before Taking Pictures or Video

You may be tempted to takes pictures or videos to help you remember what you liked about the house. Ask the Realtor on duty if it’s okay to do so. Remember: the house is likely still the seller’s home and you would want someone to ask before taking pictures in your home!

Don’t Make Negative Remarks About the Home or Seller

Keep your private opinions about the home or seller to yourself. You never know if a friend or neighbor of the seller might be listening. And in a multiple offer situation, it’s not uncommon for the agent to share their impressions of potential buyers to help the seller make a decision about the offers on the table.

Do Ask Questions

The agent on duty is there to answer your questions. They want you to fall in love with the home and make an offer. Anything you want to know, just ask! If they don’t know the answer to something, they should offer to find out and follow up with you.

Don’t Rush Through the Open House

Don’t feel you have to rush through or can only take a quick glance at the home. Take your time, look around, and imagine yourself living there. Is this home the one? Or does it have the potential to be the one with a little work and your personal touches? Unless the Realtor has stated that they need to close up, feel free to stay as long as you want.

Do Give Yourself Permission to Fall in Love

It’s okay to walk into a house and immediately fall in love. As much as I advise my clients not to get too attached to a particular home, sometimes you just know that the search is over.

If you have questions about the home buying process or want to see some homes in San Diego, contact me and I will be happy to help you!

Filed Under: Home Buyers Tagged With: 1st time home buyer, buy a house, buying a house, carmel valley san diego, del mar, del mar real estate, del mar real estate agent, del mar realtor, first home buyer, first time home buyer, house viewing etiquette, la jolla, la jolla real estate, la jolla real estate agent, la jolla realtor, open house etiquette, process of buying a house, san diego, san diego real estate, san diego real estate agent, san diego realtor, solana beach, solana beach real estate, solana beach real estate agent, solana beach realtor, steps to buying a house, what to do at an open house

What to Consider Before Making an Offer on a Home

January 28, 2018 by Danielle Negroni

It happened – you walked into a house and fell in love! But before you submit an offer on that home, there are a few things you should consider:

Location

No matter how much you might love a house, you can’t do anything about its location. Drive through the neighborhood and check out the local amenities. Can you imagine yourself living in this neighborhood? Raising your kids here?

You should also investigate any potential plans for development in the area where you want to buy. This is particularly important if the home you’re looking at backs up to open space or empty land. You will want to know if there are future plans to develop the area.

Layout

Many homes in San Diego are custom built or have been updated/expanded over the years. Sometimes that means the home has a strange or awkward floorplan. It also might mean that the functionality of the home has been conventionally reduced (a garage that has been converted into an extra room is a good example of this type of update). The home may also
have unpermitted square footage which may be a resale hindrance.

Maybe the quirks of your future home don’t bother you, but it’s important to consider the resale value and how others might view the home. If the house has been on the market for awhile, that can be a good indicator that others buyers find the home offputting in some way.

Proximity to a Busy or Noisy Road

It’s a fact that no matter how desirable a home is, most buyers don’t want to live near a busy or noisy road. This could be because they have kids or pets or just don’t want to hear the sound of traffic.

When touring the house, you might not have found the road’s proximity to be an issue. Maybe you can’t really hear it when the doors and windows are closed. But if you need to sell the home in the future, it’s important to realize that other buyers might be turned off by your home’s location.

Schools

Even if you don’t have kids and don’t plan on having any, homes located in good school districts are more desirable than homes with average or sub-par schools. A home in a good school district is more likely to appreciate over time.

Why the Current Owner is Selling the Home

It’s always worthwhile to ask the seller’s agent (or the sellers themselves) why the home is up for sale. They might not tell you the whole truth (unless there’s a problem they must disclose by law), but it never hurts to ask. You might get lucky and find out a useful piece of information – such as that the sellers don’t get along with the neighbors or there is a barking dog.

Talk to the Neighbors

If you can, talk to a few of the neighbors around the home you’re considering buying. They can provide you with insights about the neighborhood and give you a sense of the community surrounding your future home.

Crime Reports

Crime statistics are easy enough to find online. The City of San Diego website has resources to help you view crime statistics and crime maps in San Diego County.

 

Ultimately, the decision to make an offer on a home is entirely yours. You just want to make sure you’re thinking not only with your heart, but also with your head.

If you’re in the market to purchase a home in San Diego, I would be happy to help you – contact me to get started!

 

Filed Under: Home Buyers, Uncategorized Tagged With: 1st time home buyer, buy a house, buying a house, buying a house making an offer, carmel valley san diego, del mar, del mar real estate, del mar real estate agent, del mar realtor, first home buyer, first time home buyer, how do i buy a house, how do you buy a house, how to buy a home, how to buy a house, i want to buy a house, la jolla, la jolla real estate, la jolla real estate agent, la jolla realtor, making an offer on a home, making an offer on a house, process of buying a house, putting an offer on a house, san diego, san diego real estate, san diego real estate agent, san diego realtor, solana beach, solana beach real estate, solana beach real estate agent, solana beach realtor, steps to buying a house

18 Things to Do Before You Close Escrow

January 21, 2018 by Danielle Negroni

There are so many moving parts during the escrow process, it can be hard to keep track of everything you need to do before you close. Here are 18 essential things you should take care of before picking up your keys!

  • File a Change of Address Form With the Post Office
  • Schedule a Professional Mover 2-3 Weeks Before You Need to Move
  • Contact SDG&E to Schedule When You Will Need Gas and Electric Services Turned Off at Your Old Residence and Turned on At Your New Home
  • Contact Your Water Company to Schedule When You Will Need Water Turned Off at Your Old Residence and Turned on At Your New Home:

          City of San Diego

          Carlsbad Water District

          Olivenhain Water District

          San Dieguito Water District

          Santa Fe Irrigation District

  • Update Your Address on Your Credit Cards and Bank Accounts
  • Update Your Address on Any Magazines or Subscriptions You Receive in the Mail
  • Give Your Church, Doctor, Veterinarian, Etc. Your New Address
  • Notify Any Government Offices of Your Move
  • Contact Your Cable/Internet Provider to Schedule When You Will Need Their Services Turned Off at Your Old Residence and Turned on At Your New Home

          AT&T

          Cox

          Spectrum Time Warner

  • If Your Children Are Staying in the Same Schools, Notify the School With Your New Address
  • If Your Children Will Be Changing Schools, You Will Need to Get Them Registered:

          Carlsbad Unified School District

          Del Mar Union School District

          Encinitas Union School District

          Rancho Santa Fe School District

          San Diego Unified School District

          San Dieguito Union High School District

          Solana Beach School District

  • Update Your Address at the DMV
  • Update Your Auto and Health Insurance
  • Ensure Your Home Warranty Coverage Will Start on the Day You Close Escrow
  • Notify Your Landscaper of Your New Address and Arrange to Have Them Start at Your New Property
  • Notify the Newspaper of Your New Address
  • If You Pay For Trash and Recycling Services, Notify Them of Your Change of Address
  • Provide Friends and Family With Your New Address

If there’s anything you need help with that is not on this list, please let me know!

Filed Under: Home Buyers, Home Owners, Moving, San Diego, Uncategorized Tagged With: carmel valley san diego, del mar, del mar real estate, del mar real estate agent, del mar realtor, la jolla, la jolla real estate, la jolla real estate agent, la jolla realtor, moving checklist, moving home checklist, moving house checklist, moving into a new house checklist, moving to do list, new home checklist, new house checklist, relocation checklist, san diego, san diego real estate, san diego real estate agent, san diego realtor, solana beach, solana beach real estate, solana beach real estate agent, solana beach realtor, what to do when moving

5 Common Credit Score Questions

January 1, 2018 by Danielle Negroni

Your credit score is one of the most important numbers in your home buying journey. It helps determine not only whether you qualify for a mortgage, but also what rate you get for your loan. Read on for answers to some of the most commonly asked credit score questions!

What is a Credit Score?

Your credit score is a little number that determines how likely you are to repay your debts. The higher the number, the more “trustworthy” you are considered to be. There are many credit score models out there, but the dominant one is the FICO credit score. Most FICO credit scores fall between 300 and 850.

How is My Credit Score Calculated?

There are different ways your credit score can be calculated, but most algorithms take into account the following factors:

-Your payment history including delinquencies and how often you pay on time

-How long you’ve been building your credit

-How much debt you have

-The types of credit used

-New accounts opened and recent “hard” credit inquiries

Why is My Credit Score Important?

Your credit score is important because it helps banks and financial institutions decide if it would be risky to loan to you. The higher your score, the less likely you are to default on your loan.

What is Considered to Be a “Good” Credit Score?

For most lenders, a score of 700 or higher is considered to be a good credit score. A score above 800 is generally considered to be excellent.

How Does My Credit Score Affect My Ability to Buy a Home?

Your credit score affects your ability to buy a home in two ways. First, most lenders will require you to have a good credit score to qualify for most of their programs. Second, the better your credit score, the lower the rate you can secure. A lower rate means your monthly payments will be lower.

However, you may be able to purchase a home with less than stellar credit. I would be happy to provide you with the names of a few lenders who can go over your options with you.

How Can I Improve My Credit Score?

There are several things you can do to improve your credit score right away. Check your credit report for any errors and get them corrected if there are any. Make sure you are paying your bills on time and making the minimum required payment or more. Reduce the amount of debt you owe by not opening new cards or adding additional purchases to your credit cards. Keep your balances low going forward. Remember: improving your credit score will take time, so be patient!

If you think you’re ready to purchase a home in San Diego, give me a call and we will get you started on your journey to homeownership!

Filed Under: Home Buyers Tagged With: 1st time home buyer, carmel valley san diego, credit questions, credit score questions, credit score questions and answers, credit scores, del mar, del mar real estate, del mar real estate agent, del mar realtor, first home buyer, first time home buyer, fix credit score, home purchase, how is my credit score calculated, how to buy a home, how to fix credit score, how to get your credit score up, how to improve your credit score, improve credit score, la jolla, la jolla real estate, la jolla real estate agent, la jolla realtor, san diego, san diego real estate, san diego real estate agent, san diego realtor, solana beach, solana beach real estate, solana beach real estate agent, solana beach realtor, what is a credit score, what is a good credit score

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My name is Danielle Negroni and I'm a licensed Realtor with over 10 years of experience buying and selling in the San Diego Coastal area.
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DRE #01881800 | Coastal Premier Properties DRE #02109201

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