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Carlsbad, San Diego, Real Estate Market Trends and Community Information, August 2006

February 14th, 2011

COMMUNITY INFORMATION

Carlsbad is situated in the northern coastal part of San Diego County within the state of California. There are approximately 87,540 residents in this community and 34,052 households. The median age of residents is 38.89 years.

TEMPERATURE

The temperature in Carlsbad is relatively moderate. The warmest time of year occurs in July during which temperatures reach an average high of 69. The coldest time of year occurs in December with average temperatures falling to 55F.

HOME AND REAL ESTATE PRICES

The housing options in Carlsbad include single-family homes and properties, condominiums, townhouses, and apartments. The price of housing is as follows:

·One bedroom townhouse/condominium start in the mid $200,000s.
·Two bedroom townhouse/condominium start in the high $200,000s.
·Three bedroom townhouse/condominium start in the high $300,000s.
·Two bedroom single-family homes start in the mid $300,000s.
·Three bedroom single-family homes start in the high $300,000s.
·Four bedroom single-family homes start in the mid $500,000s.

REAL ESTATE MARKET TRENDS

As with

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most products and services in the United States, price shifts in the real estate industry are subject to the forces of supply and demand. Whether it’s a buyers market or a seller’s market, it is useful to evaluate home sales data for the most recent month available (June 2006), compared against the same period in the previous year (June 2005).

The median price of single-family homes dropped from $783,900 in June 2005 to $749,900 in June 2006, which represents a 4.3% decline. Fewer more homes sold in June 2006 (49 homes) than in June 2005 (95 homes). The average time to sell a home increased from 39 days in June 2005 to 58 days in June 2006.

The median price of condominiums and townhomes decreased from $481,000 in June 2005 to $434,500 in June 2006, which represents

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a 9.7% decline. Fewer units sold in June 2006 (36 units) than in June 2005 (84 units). The average time to sell a unit increased from 43 days in June 2005 to 58 days in June 2006.

Homebuyers and home sellers should keep in mind that the data above is simply a snapshot in time. Therefore, the data must be evaluated over a longer duration to understand enduring market trends.

San Diego Real Estate
Market Trends Data Source
Pacific Beach Real Estate

Shaye Patterson
Your Castle Real Estate
Broker Associate
shaye@mydenverproperty.com
Office: 720-984-2349
Cell: 303-520-8584
Fax: 303-379-7918
http://www.mydenverproperty.com

Tips to Buying a Home in Panama

February 14th, 2011

Panama is a popular tourist destination. Some people, once they have been to Panama cannot get it out of their system. They are so amazed at the wonder of Panama’s sights that they wish to be back again to this country. Some people have even gone so far as

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to decide that the only solution would be to buy a vacation home in Panama.

Buying real estate, wherever you plan to do so, is a complex matter requiring great deliberation and systematic investigation. It is highly recommended that before you finally commit to buying a particular piece, you should seek the help and advice of a real estate lawyer in Panama.

There are also things you need to know beforehand even if you plan to consult a real estate professional. It is better that you collect all available information that you can get your hands on before seeking professional help. Thus, you would have a better grasp of the legal situation as well as have the necessary knowledge based on which you can ask intelligent and relevant questions.

Types of property in Panama

Panama has three different types of property; the Titled Property, Possession Rights Property and Concession Property. The Titled Property is under the jurisdiction of the Panamanian Public Registry and the existence and value of a particular property can be verified through this channel. Titled Properties obligate the owner to pay taxes in Panama if property is worth more than $30,000. If you are currently building, you can get tax exemptions proportionate to the value of your real estate.

To purchase a Titled Property, you will be required to make a downpayment, accomplish a contract as well as formalize transfer of title through appropriate certification with the Panamanian Public Registry. This will start the procedure of changing the title of the property to your name. Before all the rigmarole that all these entail, you should not forget to run a check on the property you want to buy. If the property is not registered, then you are beings scammed by the person selling you the property.

Possession Rights is ownership of property after the fact. This type of ownership is granted by the government to people who have been occupying or using part of its land for a long period of time. Thus, to qualify for buying a Possession Rights property, you must get a certification from your local officials that you are indeed staying where you say you are.

Concession Properties are properties that are owned by the government but are leased out for a long period of time such as 20 years, sometimes even 40 years. You can actually take advantage of this because governments do intend to develop locations still sparingly visited by tourists.

Other things to remember

Do not forget to read the contract before signing on the dotted line. You

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should use a trustworthy Panamanian lawyer to explain the contract to you. This is because by necessity, the contract is written in Spanish.

For more information, please visit:

http://www.panamaexpertos.com

http://www.panamaexpertos.com/forum/tips-to-buying-a-home-in-panama-ct120.html

http://www.panamaexpertos.com/info.php?page=content/visas_residency_citizenship

The author is a researcher, with years of experience in finances and real estate.

For more information, please visit:

http://www.panamaexpertos.com

http://www.panamaexpertos.com/forum/tips-to-buying-a-home-in-panama-ct120.html

http://www.panamaexpertos.com/info.php?page=content/visas_residency_citizenship

Shaye Patterson
Your Castle Real Estate
Broker Associate
shaye@mydenverproperty.com
Office: 720-984-2349
Cell: 303-520-8584
Fax: 303-379-7918
http://www.mydenverproperty.com

Buying Denver Real Estate – Take Action to Protect your Private Credit Information!

January 21st, 2011

Until recently the Denver real estate market was one of the few in the country that did not have licensing requirements for mortgage lenders. Although the Colorado Division of Real Estate has implemented a new Mortgage Broker registration procedure, unscrupulous lenders are still finding ways to exploit home buyers looking to get financed on the purchase of a new home. Before talking to a mortgage professional about getting pre-qualified for your next loan, consider the following information and take the necessary steps to protect yourself:

Your personal information is a hot commodity.

Requesting a credit check is a crucial step in the home buying process, one that all lenders will require before considering you for a mortgage loan. Unfortunately most people fail to realize that the inquiry data that is collected by the major credit repositories (Equifax, TransUnion, and Experian) each time your credit is checked has now become a salable commodity and a significant revenue source for these companies.

The inquiry data that is collected on your credit report is compiled into an “inquiry lead” that includes your name, address, phone numbers (including unlisted numbers), credit scores, current debt and debt history, property information, age, gender and income, which is then sold at a premium to an indefinite number of other mortgage lenders for a significant profit. Once these lenders have your information they will employ every bait-and-switch tactic necessary to recoup their investment in

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an attempt to lure you away from your reputable lender, which is usually accomplished by contacting you shortly after getting pre-qualified and telling you your information has been “passed on” to them by your current lender because they weren’t able to offer the same competitive interest rates and loan programs.

Protect yourself by “opting out” 48 hours prior to talking to any lender.

The Consumer Credit Reporting Industry has provided a way to remove your name from lead lists. You can contact them by phone at 1-888-567-8688 or online at www.optoutprescreen.com, or by aligning yourself with one of the many reputable mortgage lenders that the Denver real estate market has to offer and asking them to assist you. You must “opt out” at least 48 hours prior to having your credit checked to ensure your request is processed in time. If you plan to have your credit checked prior to the 48 hour waiting period you are now an informed consumer, and can be vigilant of suspicious phone calls or mailers from lenders who may have purchased your information.

You have the right to shop for the real estate and mortgage professionals that best suit your needs. Take the necessary steps to protect your privacy and ensure that you’re able to align yourself with the professionals of your choice. Unsolicited marketing tactics can be annoying and intrusive, but five quick minutes to opt out of these schemes can protect your right to make informed choices on your terms.

Damon and Josh are co-founders of Colorado House Finders, a full-service resource for real estate in Colorado. Their dedication to customer service and knowledge of the Colorado real estate market make them the smart choice when thinking about a move to Colorado.

Shaye Patterson
Your Castle Real Estate
Broker Associate
shaye@mydenverproperty.com
Office: 720-984-2349
Cell: 303-520-8584
Fax: 303-379-7918
http://www.mydenverproperty.com

Bonita, San Diego, Real Estate Market Trends and Community Information, August 2006

December 10th, 2010

COMMUNITY INFORMATION

Bonita is situated in the southern region of San Diego County within the state of California. There are approximately 18,396 residents in this Zip code (91902) and 5,986 households. The median age of residents is 40.45 years.

TEMPERATURE

The temperature in Bonita is relatively moderate. The warmest time of year occurs in July during which temperatures reach an average high of 70°F. The coldest time of year occurs in January with average temperatures falling to 57° F.

HOME AND REAL ESTATE PRICES

The housing options in Bonita include single-family homes and properties, condominiums, townhouses, and apartments. The price of housing is as

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follows:

·One bedroom townhouse/condominium start in the mid $200,000s.
·Two bedroom townhouse/condominium start in the low $300,000s.
·Three bedroom townhouse/condominium start in the low $400,000s.
·Two bedroom single-family homes start in the high $400,000s.
·Three bedroom single-family homes start in the mid $500,000s.
·Four bedroom single-family homes start in the low $600,000s.

REAL ESTATE MARKET TRENDS

As with most products and services in the United States, price shifts in the real estate industry are subject to the forces of supply and demand. Whether it’s a buyers market or a seller’s market, it is useful to evaluate home sales data for the most recent month available (June 2006), compared against the same period in the previous year (June 2005).

The median price of single-family homes dropped from $849,990 in June 2005 to $782,500 in June 2006, which represents a 7.9% decline. However, more homes sold in June 2006 (20 homes) than in June 2005 (7 homes). The average time to sell a home increased slightly from 68 days in June 2005 to 69 days in June 2006. The ratio between the asking price to the sales price increased over the past 12 months. On average, sellers obtained 93.6% of their asking price in June 2005, and 94.5% of their asking price in June 2006.

Homebuyers and home sellers should keep in mind that the data above is simply a snapshot in time. Therefore, the data must be evaluated over a longer duration to understand enduring market trends.

San Diego Real Estate
Market Trends Data Source
Pacific Beach Real Estate

Shaye Patterson
Your Castle Real Estate
Broker Associate
shaye@mydenverproperty.com
Office: 720-984-2349
Cell: 303-520-8584
Fax: 303-379-7918
http://www.mydenverproperty.com

Tips on Buying a Home

December 4th, 2010

On average, people who live in the United States move to new homes about every seven years. The process of buying a home leads to a lot of excitement and joy, if you find your dream home and can afford it. Sometimes it could be long and, difficult process when the things do not go in the right way.

Tips on Buying a Home: Before venturing into buying a home there are many things one has to take into account. These are the tips, which can help in make your dream home into reality.

· Confine to your Financial Strength: It is necessary to have an idea about how much you can afford. Strictly restrict your search for a house that is affordable. Do not get tempted to buy a home that is good but crosses your financial limits. Most people close the deal, with financial commitments and later repent it.

· Mode and Source of Payment: Plan the mode and source of the payment. Buying a house under the mortgage is commonly done. Get all the clearances from the bankers regarding the agreement.

· Identify the Features of your Home: Discuss with your family members about the features and facilities your future home should possess. Identify the locality limitations, type of the house, size of the house, garage and other facilities etc.

· Methods in Searching your Home: Basically there are two methods in searching homes. Approach an agent or to search on own. An agent will give you the leads from the Multiple Listing Services. You may also get a list of For-Sale-by-Owner (FSBO) homes. Make sure that the agent is completely aware of your needs and requirements. If you want to search on your own, inform all your friends, relatives and neighbors. You can also place advertisements on local classifieds and radio.

· Check the Information: If you get a lead which suits your profile, ask for the information related to the house like reason to sell, number of previous ownerships, mortgages, ownership type, any hidden history etc. Making an enquiry with the neighbors is not a bad idea. But make sure that you get the genuine information.

· Making an Offer: If you are satisfied with all the information you got make an offer. Make sure that you know the current prices in that particular locality. Check with the recent sales in the locality to get an idea. Ask your attorney to check the deal before signing.

· Professional Inspection: While visiting a house, do not hesitate to ask your agent to make the owners not present at the inspection time. This will make you more comfortable in inspecting the house freely. Also check the neighborhoods, accessibility to the public amenities, transportation etc.

Finally, make sure that your banker or attorney give the final approval for the deal.

Rod Khleif of Own Your Own Home Inc. has helped over 100 families in the last 2 years buy a home through this lease option program. Rod Khleif helped people realize the American Dream. Rod Khleif is also founder of A Better Choice Foundation and Tinyhands Foundation.

Shaye Patterson
Your Castle Real Estate
Broker Associate
shaye@mydenverproperty.com
Office: 720-984-2349
Cell: 303-520-8584
Fax: 303-379-7918
http://www.mydenverproperty.com