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San Diego Homes For Sale, Pets and Home Sales: How One Impacts the Other

by Linda Ring 19. August 2014 09:41
Selling a home can often be a time-consuming process, full of various moving parts that need to come together seamlessly. And adding a pet to the mix can be a challenging proposition, often hindering a sale.

By Keith Loria

Selling a home can often be a time-consuming process, full of various moving parts that need to come together seamlessly. And adding a pet to the mix can be a challenging proposition, often hindering a sale. 
People who don’t like pets might be afraid of the animal or bothered by it. And fellow animal lovers might spend so much time playing with, or talking about, your cat and dog, that they may not focus on your home. Plus, there’s always the prospect of liability if your dog was to bite someone while they were looking at your home.Century 21 Award Linda Ring San Diego Home for Sale and Pets
When you have appointments scheduled for prospective buyers to come take a peek at your home, consider having the dog stay with a friend or family member. If there’s just one appointment scheduled for a certain time, take your dog for a walk while the prospective buyers are looking.
Another idea is to schedule a pet daycare or grooming appointment when potential buyers are coming. It’s especially important to keep pets out of the house during open houses. The more people in the home, the more likely the animal is to be distracting. And with so many people coming in and out of the house, you don’t want to worry about a dog getting out.
You also should assess any damage your pet may have inflicted within the home. Hair, spills around a water bowl, and minor damage are all part of living with a pet, so be sure to clean thoroughly and vacuum up any hair. It’s also a good idea to put food and water bowls away and thoroughly clean any areas where a mess has been made. For cat owners, keeping litter boxes clean is crucial so that unpleasant odors don’t make their way through the home.
Also, take steps to remove all stains and odors that may be lingering within your home due to having a pet. If the weather is appropriate, open your windows to let fresh air in. You may also want to use air fresheners and other products designed to remove pet odors from carpets and furniture. After doing all of this, invite friends and relatives over and ask them to honestly say if there are any odors in the home. Sometimes it can be difficult for a pet owner to even notice smells caused by the animal.
And while you’re at it, don’t neglect to look for any areas outside the home where the family pet may have wreaked havoc. Fill any holes your dog might have dug up, get rid of any plants or decorations your dog might have chewed and clean up any messes your pet may have left behind. 
By following these few simple guidelines, you and your pets could be celebrating a successful house sale in no time at all.

 

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5 Steps for Saving Money to Buy a san Diego Home. Part 1-5.

by Linda Ring 16. August 2014 12:09
2. Turn off the television. One big way to save money is to watch less television. There are a lot of financial benefits to this: less exposure to guilt-inducing ads, more time to focus on other things in life, less electrical use, and so on. It’s great to unwind in the evening, but seek another hobby to do that.

1. Switch your bank accounts to a bank that respects you. You shouldn’t be spending your hard-earned money on maintenance fees – you also should be earning some serious interest on your checking and savings accounts.

2. Turn off the television. One big way to save money is to watch less television. There are a lot of financial benefits to this: less exposure to guilt-inducing ads, more time to focus on other things in life, less electrical use, and so on. It’s great to unwind in the evening, but seek another hobby to do that.

3. Turn a critical eye to your “collections.” Most people collect something – what do you collect? Is it something that consistently brings you joy? Or is it something that you just do ouOh Grasshopper, call Linda Ring Century 21 Awardt of habit at this point? Does the collection itself have value? Could you perhaps “trim the fat” from this collection by getting rid of duplicates or getting rid of the items you no longer use? Also, could you perhaps cut down on your spending on that hobby? Focus on trimming the things you don’t feel strongly about – if you dig into things that bother you, you’re going to eventually relapse.

4. Sign up for every free customer rewards program you can. Even if you rarely shop at that place, having a rewards card for that place will eventually net you some coupons and discounts. Here’s the basic game plan for maximizing these programs: create a Gmail address just for these mailings, collect every card you can, and then check that account for extra coupons whenever you’re ready to shop. Another good idea is to use Rewards Credit Cards that give points on purchases at a wide range of stores. Check out this post on the best rewards credit cards for some recommended cards.

5. Make your own gifts instead of buying stuff from the store. You can make food mixes, candles, bread, cookies, soap, and all kinds of other things at home quite easily and inexpensively. These make spectacular gifts for others because they involve your homemade touch, plus quite often they’re consumable, meaning they don’t wind up filling someone’s closet with junk. Even better – include a personal handwritten note with the gift. This will make it even more special than anything you could possibly buy down at the mall, plus it saves you money.

Linda Ring, Century 21 Award San Diego, Smarter. Bolder. Faster.

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CENTURY 21 Ranks Highest In Customer Satisfaction across All Four Home Buyer/Seller Segments!

by Linda Ring 15. August 2014 16:58

Agent Relationship Remains Critical to the Customer Experience and Represents a Key Opportunity to Differentiate among First-Time Buyers

WESTLAKE VILLAGE, Calif.: 6 August 2014 — A client’s relationship with his or her real estate agent will largely determine how satisfied that customer is in the home buying and/or selling experience. Among first-time buyers there is a strong need and opportunity to keep the customer comfortable and informed and offer a seamless process, according to the J.D. Power 2014 Home Buyer/Seller Satisfaction StudySM released today.

The study, now in its seventh year, measures customer satisfaction among first-time and repeat home buyers and sellers with the nation’s largest real estate companies. Overall satisfaction is measured across four factors of the home-buying experience: agent/salesperson; real estate office; closing process; and variety of additional services.  For satisfaction in the home-selling experience, the same four factors are evaluated plus a fifth factor, marketing.JD Powes Century 21 ranked number one Linda Ring Century 21 Award

CENTURY 21 ranks highest in customer satisfaction among real estate brokerages across all four home buyer/seller segments including: first-time buyers, repeat buyers, first-time sellers, and repeat sellers.

“Satisfying first-time buyers is critical for real estate firms to differentiate themselves. It’s up to the agent   to build confidence in buyers by educating them and demonstrating a commitment to working in the best interest of the customer,” said Christina Cooley, director in the diversified services industries practice at J.D. Power. “First-time buyers need clear communication and want to be walked through the purchase process every step of the way.  Agents can serve as the lead on necessary steps, services and offerings—such as appraisals, inspections and home warranty. The more seamless the experience, the less overwhelmed customers are likely to be. When agents take the lead, customers are also more likely to appreciate their real estate firm and agent for their expertise and customer focus. ”

KEY FINDINGS

· Although the agent relationship with the customer is the most important factor in determining customer satisfaction with buyers, for sellers, marketing of the home is most important factor, as it is a tangible way for the customer to assess how the agent is supporting the sale.

· Overall satisfaction with real estate companies is higher among repeat customers compared with first-time buyers or sellers. The average score among repeat home buyers is 840 on a 1,000-point scale and 821 among repeat home sellers. The industry average for the first-time buyer segment is 835 and 820 among first-time sellers.

· Buyers and sellers choose a real estate firm based on its reputation (30% buyers vs. 35% sellers), past experience with the agent/salesperson (21% vs. 25%), and/or recommendation (24% vs. 21%).

· The average listing price in 2014 is $200,000, the same amount as in 2013.

· The average number of open houses is three, and the average number of showings to sell a home is nearly eight times.

First-Time Home-Buyer Satisfaction Ranking

CENTURY 21 (848) ranks highest in overall satisfaction in this segment and performs particularly well in the agent/salesperson, real estate office, and variety of additional services factors. Prudential (846) ranks second and performs well in the closing process.

Repeat Home-Buyer Satisfaction Ranking

CENTURY 21 (852) ranks highest in overall satisfaction in this segment and performs particularly well in the real estate office and closing process. Prudential (847) ranks second performing well in the package of additional services factor.

First-Time Home-Seller Satisfaction Ranking

CENTURY 21 (833) ranks highest in overall satisfaction in this segment, and performs particularly well in real estate office, closing process, marketing, and variety of additional services. RE/MAX (831) ranks second and performs particularly well in agent/salesperson and real estate office.

Repeat Home-Seller Satisfaction Ranking

CENTURY 21 (836) ranks highest in overall satisfaction in this segment, and performs particularly well in agent/salesperson, closing process, marketing, and variety of additional services. Keller Williams (829) ranks second and performs particularly well in real estate office.

The 2014 Home Buyer/Seller Satisfaction Study includes 5,810 evaluations from 4,868 customers who bought and/or sold a home between March 2013 and April 2014. The study was fielded between March 2014 and May 2014.

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FICO Scoring Changes May Help More Qualify for Mortgages in San Diego

by Linda Ring 12. August 2014 19:44

FICO, the nation’s most popular credit-scoring system, announced it is tweaking some of the criteria used in coming up with consumers’ scores, which could help consumers save more money in qualifying for mortgages and other types of loans.

FICO recently told lenders their high credit score "cutoffs" were stricter than necessary and urged lenders to consider lowering minimum score requirements.

The changes include reducing the toll that overdue medical bills can take on credit scores, as well as removing other past penalties from consumers who have paid off debts that had been assigned to collection agencies. A consumer whose only major delinquency comes from an unpaid medical bill could see their credit score rise by 25 points due to the changes.

The changes come after a recent Consumer Financial Protection Bureau study, which found that both paid and unpaid medical debts were unfairly penalizing consumers’ credit ratings. An estimated 64 million Americans have a medical collection item on their credit reports, according to Nick Clements of Magnify Money, a personal finance site.

The FICO changes will go into effect this fall, but borrowers may have to wait a year or more until they see the impact of the changes in their scores, Linda Ring Century 21 Award San Diego CA - Copy (2)lenders say.

The changes may help consumers with blemished past credit histories or high medical debts qualify for mortgages more easily. Consumers with higher scores also might qualify for a lower rate, housing experts say.

"In recent years the [credit score requirement] has been dialed so tightly that only fairly upper-tier consumers were able to qualify for a loan," says Lawrence Yun, National Association of REALTORS®’ chief economist. "We're looking at people who are currently being denied potentially being offered a mortgage because of this."

In June, the average FICO score for a closed mortgage was 728, a drop from 742 a year prior, according to data from Ellie Mae, a company that processes mortgage applications for lenders. FICO scores range from 300 to 850.

Borrowers with higher FICO scores can usually expect to pay less in interest on a loan. A borrower with a FICO score of 675 may nab a 4.75 percent interest rate on a 30-year fixed-rate mortgage, which would be about  $2,086 a month in payments on a $400,000 loan, according to Informa Research Services. In comparison, a borrower with a 700 FICO score may qualify for a rate of 4.212 percent, which could drop the monthly payment to $1,959 and bring a $127 savings.

The credit scoring changes will not remove any unpaid debts from a credit report, so some lenders may still be able to factor that information into their lending decision.

“This move will ultimately make a real difference in the lives of millions of Americans, who have been shut out of the housing market or forced to pay higher mortgage interest rates because of flawed credit scores,” Steve Brown, NAR’s president, said in a statement. “Since the housing crash, overly restrictive lending has been the greatest obstacle to home ownership. NAR will continue to support efforts to broaden access to credit for qualified homebuyers.”

In other news, two of the big national credit bureaus Experian and TransUnion recently reported they’ve  added verified rental payment data into credit files, which will be used to compute a consumers’ score when applying for a mortgage. A recent TransUnion study showed that the inclusion of rental data could raise some consumers’ scores. For example, nearly 20 percent of renters’ scores rose by 10 points or more after just one month.

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Don’t Leave it to Beaver when it comes to buying San Diego Real Estate.

by Linda Ring 12. August 2014 19:40

Over 33 Years of Real Estate Service you can trust.

12,000+ Properties For Sale in San Diego County.When it come to buying San Diego Real Estate Don't Leave it to Beaver.

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Looking to buy a San Diego foreclosure, short sale, or traditional sale, we have them all.

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Interest Rates Remain Low For San Diego Home Buyers

by Linda Ring 6. August 2014 09:39

Interest rates remain historically low and even though housing prices are increasing in many areas, the market still offers lots of opportunities to become a homeowner. But what's holding many back is saving enough for a downpayment.

Reaching any goal requires dedication to that goal and a mindset that enables you to sacrifice to achieve what you desire. Often that's easier said than done. However, if you analyze your spending and lifestyle habits you can determine where you can conserve to create enough of a reserve to comfortably buy a home without feeling totally deprived.Only Half Percent Down FHA Loans Linda Ring Century 21 Award San Diego (Custom) (Custom)

Here are six tips that can help you put away $50 to hundreds of dollars each month. Start with a fresh sheet of paper or a digital document that you can refer to frequently. Keeping it fresh on your mind will help you achieve your goals.

1. Write down what you owe versus what you earn. Get clear about how much is coming in and how much is going out. This alone will help you see where money is being spent and how much is being spent on things that could be cut back or cut out completely.

2. Consider getting rid of recurring expenses for services you don't really use or you use infrequently. Maybe it's a gym membership that's adding up to more than a $1,000 for the year; but you really only use it three or four times a month. That makes no sense. Get rid of it and find a workout buddy and a free place to exercise. Or it could be an audio or video membership that's going to waste. Sure, it might be $20 a month but over a year, that adds up.

Try listening to podcasts.  They're free!  Some podcasters are very entertaining and their podcasts can be excellent sources of information and resources for business and personal development.

3. Stop the coffee run each morning. Do the math. That fancy coffee drink can cost $40 a week, especially if you add a bakery treat. Your waistline and your wallet will take a beating.

4. Cut back on eating out or dine out early. Make more meals at home. This will allow you to take leftovers for lunch the next day. When you do decide to eat out, dine out earlier in the day. You can often take advantage of eating the same great meal at a less expensive price by ordering from the happy hour menu. These days,  lots of people find saving and living lean to be hip and cool. They'll be happy to join you for an earlier meal.

5. Start a side job. If you're working a full-time job, evaluate what your skill set is and see if you can freelance. I spoke with a client recently who had a "day job" and was earning additional income. He was already up about $50,000 from his side job of selling auto parts. It may take a bit to figure out where and how you can earn your side income,  but it's worth exploring. This could even turn into a full-time job. Lots of people are making money working from home using the Internet. Explore your options and see how you can generate some extra cash each month.

6. Use momentum to pay back your debt.  Work hard to pay down cards with the highest interest rate first. As one card is paid off, transfer the money you were paying on that card to another card. By combining whatever you were paying on the paid off card to another balance that you're paying down, you're giving it some momentum and you'll get that next card paid down even faster.

Remember that reducing your spending is critical to having what you want. So don't add to your debt. Once you save for your deposit, you'll want to make sure that you also save enough to have a cash reserve for emergency repairs and any unexpected crisis that might occur. Also, make sure that you make this process a good experience rather than a painful one. Keep your eye on the goal and understand that the decisions you make today will impact your future and your opportunity to become a homeowner. (Provided by Realty Times)

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Buying San Diego Property. You Will Kiss The Ground You Walk On!

by Linda Ring 5. August 2014 11:09

You Will Kiss The Ground You Walk On!

Linda Ring, Century 21 Award San Diego, Smarter. Bolder. Faster.Kiss the ground you now own. Buying San Diego Real Estate (Custom)

Over 33 Years of Real Estate Service you can trust.

12,000+ Properties For Sale in San Diego County.

Zero Down VA Loan. We Help Our Heroes Buy Homes!

½% FHA Loans Available.

We have homes, condos, townhomes, units, mobile homes, and more.

Looking to buy a San Diego foreclosure, short sale, or traditional sale, we have them all.

www.Help619.com

http://help619.com/

(619) 251-5202

#NoPlaceLikeHome

#NoPlaceLikeHome #homes #realestate #sandiego #buying #veterans

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Head in the Sand Frustrated when trying to buy San Diego Real Estate? No Worries!

by Linda Ring 4. August 2014 11:24

Head in the Sand Frustrated? No Worries!

Linda Ring, Century 21 Award San Diego, Smarter. Bolder. Faster.No Need To Put Your Head in the Sand When Buying San Diego Real Estate.

Over 33 Years of Real Estate Service you can trust.

12,000+ Properties For Sale in San Diego County.

Zero Down VA Loan. We Help Our Heroes Buy Homes!

½% FHA Loans Available.

We have homes, condos, townhomes, units, mobile homes, and more.

Looking to buy a San Diego foreclosure, short sale, or traditional sale, we have them all.

www.Help619.com

http://help619.com/

(619) 251-5202

#NoPlaceLikeHome

#NoPlaceLikeHome #homes #realestate #sandiego #buying #veterans

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Don’t go Doggone Crazy over San Diego Real Estate, just call Linda.

by Linda Ring 3. August 2014 19:20

Don’t go Doggone Crazy over San Diego Real Estate, just call Linda. Don't Go Doggone Crazy Buying San Diego Real Estate  (Custom)

Linda Ring, Century 21 Award San Diego, Smarter. Bolder. Faster.

Over 33 Years of Real Estate Service you can trust.

www. Help619.com

http://help619.com/

(619) 251-5202

#NoPlaceLikeHome

#homes #realestate #sandiego #buying #veterans

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This Hero Has Wings. We Help Our Heroes Buy Homes in San Diego.

by Linda Ring 2. August 2014 10:08

Linda Ring, Century 21 Award San Diego, Smarter. Bolder. Faster.

Over 33 Years of Real Estate Service you can trust.

12,000+ Properties For Sale in San Diego County.We have VA homes for sale in San Diego for our military. Linda Ring Century 21 Award. Help619

Zero Down VA Loan. We Help Our Heroes Buy Homes!

½% FHA Loans Available.

We have homes, condos, townhomes, units, mobile homes, and more.

Looking to buy a San Diego foreclosure, short sale, or traditional sale, we have them all.

www. Help619.com

http://help619.com/

(619) 251-5202

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