PVP

Friday, July 6, 2018

Divorce

Getting a divorce can be a stressful event, add on top of that the need to sell a family home as part of the process and the stress can get even higher. You may wish to sell your home in order to not be reminded of the past or you may need to sell it since you can no longer afford the home on one income and don’t want to end up in a house poor situation. In order to get your home sold you need to proceed in unemotional manner since in the long run you will be better off without a home that costs you more than you can afford or one that leaves you with bad memories.

Work With A Pierview Properties Agent When Trying To Sell A Home During Divorce

By working with a PVP Agent, you have a professional on your side whose job it is to help you sell your home. Your Realtor should be a neutral party who takes no sides between you and your spouse. If you have a friend whom you are considering hiring to sell your home you may want to think again. As a friend do you want that agent to get dragged into the middle of your battle with your spouse? That agent maybe be the friend of one spouse in particular and as a result unintentionally side with that one spouse due to friendship which could end up being a mistake when it comes down to advising on important decisions as related to your home sale. By having a neutral Realtor help you in selling your home you ensure none of your friends get dragged into a messy relationship issues that will only serve to bog down the process of selling your home.

Your Pierview Properties Agent will help insulate you from many questions that buyers may ask and which can result in offers that are low due to the idea that the divorcing sellers are desperate. Divorce can bring out the worst in many to the point they want to be done with the process and get on with their lives, buyers who may happen to know the home is being sold by a soon to be divorced couple may use that information to their advantage by offering less than they normally would. If buyers don’t know the owners are selling their home due to divorce they are more likely to come forward with an offer that is based on the current value of the home rather than an offer based on perceived desperation of the sellers to get out. By hiring a Realtor you ensure that buyers are only directing questions to your Realtor and that you can work on other more pressing matters without distraction.

Setting The Stage For Your Home Sale

In order to realize the best price for your home it is still in your best interest to prepare and stage your home as best as you can. Selling a home as-is with minimal effort put into cleaning, de-cluttering, depersonalizing and rearranging furniture to make your home look more open will result in your home not getting sold if the price is set higher than it should be. Eventually your home being sold as-is will get sold when the price drops enough to entice a buyer to make an offer. The end result is you are walking away from extra money that could be going into your pocket versus a buyer getting a great deal.

You can position your home to get a better offer by preparing it prior to putting it up for sale as best as you can. Even if you don’t have the budget to hire someone to prepare your home you can prepare the home yourself by depersonalizing and de-cluttering as best as you can. Remove and store any collections, personal photos and other items of a personal nature that only serve to distract buyers from seeing the true view of the home. A home that is more presentable and better prepared will attract more buyers and in turn get a better offer at a better price.

Dealing With An Uncooperative Spouse When Selling A Home During Divorce

While it would be best if you are able to cooperate with your soon to be ex-spouse and put the home up for sale, sometimes bad emotions get combined with bad intentions and the process of selling your home gets hurt in the process. This is more likely to happen when both spouses don’t necessarily agree on selling the home and the home sale is being forced as part of the divorce settlement. One spouse may want to stay in the home, yet the other spouse wants the home sold. The spouse wanting the home sold is thinking about the money tied up in the home and the need to get their name off of the mortgage. The easiest and cleanest way to get a name of a mortgage is to sell a home and payoff the mortgage. It is possible for one spouse to transfer the mortgage entirely into their name through a refinance or some other means but in order to do this they still must meet the lending and credit requirements of the mortgage company as a single person.

In order to minimize direct spousal involvement, flaring tempers and attempts at sabotage of the home sale have your divorce attorneys work together toward getting the house sold. Your divorce attorneys should be directing and guiding the real estate agent in the selling of the home and by keeping both spouses separate from the process so there is less chance of someone doing something to harm the sale. While one party may want the home or may think that preventing the home sale will help them get a win in the battle in the end both parties may lose if the one who wants the home sold decides to stop paying the mortgage.
Regardless of whom a divorce judge orders to pay the mortgage both spouses names are likely on the mortgage and the mortgage lender can seek payment from any of the people named on the mortgage.

It will be up to the individual spouse to later go and sue the other spouse to recover any money they may owe under the divorce settlement.
If one spouse is completely uncooperative and their attorney is unable to provide much help in getting the home sold then other spouse is going to have to request the divorce court order the other side to cooperate. While the process of getting a divorce court to compel a home sale is not a quick one it can kill a deal to sell the home if the buyers see signs that the home they want may fall through due to a bitter divorce and they in turn decide not to buy or want to cancel the deal. If one spouse is uncooperative from the start it is best to have the divorce court rule on the home sale prior to putting it on the market so there are fewer chances of delay.

Bottom Line
A divorce in and of itself can be a stressful event that consumes up both your time and money until the marriage is ended. Add to that divorce and selling your home and the complexity goes up, especially if there is a disagreement as to whether to sell the home or not. By working with your divorce attorney and a neutral Realtor you can separate yourself from the process and avoid getting tangled up in something that may delay or kill the sale.

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302 N. Cleveland St.  Oceanside, CA. 92054
760-822-7403 

Buying Your First Home?

You've finally outgrown apartment life or living with your parents or sharing a place with many roommates, and you're ready to take the leap to home-ownership. So now it's time to prepare. As you you take this journey on, beware of six important don'ts that could potentially derail your purchase.
Don't think it's too early to get pre-qualified
Going out "looking" at houses this weekend? The time when you just expect to drive around a little and maybe visit an open house or two is obviously the time when you're going to fall in love with a house and want to make a move on it right away. If you're not already pre-qualified with a lender, you may not have a chance at it. Competition is fierce across the country thanks to low inventory, and well-maintained, move-in ready homes do not sit if they're priced right. Talk to a lender now to make sure you can qualify - and learn your maximum budget - even if you just think you're casually looking (because that can change in a hurry!).
Don't wait to the last minute to check credit
As a continuation of the casually looking conversation, you want to check your credit the second you start thinking about buying a home. You never know what's going to be on there. Even if you've never missed a payment and have always done a good job of managing your outstanding debt, there could be errors on your report that you're unaware of or even something from many years ago that you didn't realize had been reported to a credit agency. Those little errors, accurate or not, could be hurting your score, and a low score could keep you from getting a mortgage at all. Give yourself time to correct errors; every point on the upside can help you get a better rate and make your home more affordable.
Don't forget about PMI when calculating your monthly expenses
The idea of putting as little down as possible on your new home is attractive, especially if you're not a natural saver. Today, that can mean just three percent of your purchase price, depending on the loan. For FHA loans, it's three and one-half percent. The problem with making the minimum down payment is that you then have to pay Private Mortgage Insurance (PMI).
PMI is a fee you pay on your mortgage until you owe 80 percent or less of what your home is worth. It's one reason why so many experts advise home-buyers make at least a 20 percent down payment; if you do, you can avoid the evils of paying PMI. PMI can cost between 0.3 percent and 1.15 percent of your loan annually. Depending on how much you borrow, that can mean thousands of dollars in extra costs until you can cancel your PMI.
Don't ignore the closing costs
Many pay to much attention on the down payment when getting ready to buy our first home, but there is another important expense related to the purchase - closing costs. Closing costs encompass a wide variety of fees, some or all of which may apply to you depending on where and what you're buying. They can include everything from the application fee and appraisal to the escrow fee to the home and pest inspection to the recording fees. You're looking at between two and five percent of your purchase price for closing fees, which can will add up. Many first-time buyers fail to factor this in when getting ready to purchase, and you don't want something that could amount to a few thousand dollars or more to come as an 11th-hour surprise.
Don't forget to factor in all the monthly expenses
New-home communities often quote a monthly payment that looks quite affordable and that can entice buyers who don't look more closely. That's because the payment is based on principal and interest only (Typically, you'll see a star next to the payment that tells you there's a disclaimer at the bottom of the page.). If you take a look at the small print, you'll see that there are also taxes and insurance to factor in. In some cases, there is also a homeowner's association fee. That monthly payment may not be looking so good anymore.
If you're buying your first home and coming from an apartment or other rental property, you may not have worked things like a gardener into your monthly budget. You'll also want to consider that if you're going up in square footage, there could an increase in your utilities, and you may be taking on payments for things like water and trash that were covered by your rental. It's best to have a true idea of what your monthly expenses are going to look like when buying your first home so you don't end up in over your head.
Don't think you can go it alone
Can you buy a home without an agent? Sure. Can you act as your attorney if need be? OK...But a Crazy Idea! It could be that you are looking to buy a home that is for sale by owners known as FSBO'S. In the real estate industry we call these types of sellers unrepresented. Be very careful if you are trying to buy a home directly from an FSBO. The greater odds are the seller won't know what he/she is doing or might be taking advantage of you; either way, it could turn out bad for you - the buyer.
Unless you are a real estate attorney or are otherwise connected to the industry and aware of the laws, contract issues, etc., it's best for you to have representation, regardless of what type of home you are buying.

Let PIERVIEW PROPERTIES Real Estate Agents help guide you through what could be very confusing for your first time purchase.

302 N. Cleveland St.
Oceanside, CA. 92054
760 822-7403
"Serving Oceanside Communities Since 1979"

Saturday, June 30, 2018

May's 2018 Red-Hot Housing Market Homes Sold In Record Time

    If a "for sale" sign goes up in your neighborhood, don't blink, you might miss it. The average home sold in May went under contract in just 34 days, according to real estate brokerage Redfin.
     May's number broke the previous month's record of 36 days. 
Homes are selling so quickly because there are so few for sale. More new listings did come on the market in May, 4.3 percent more than in May 2017. While that helped to increase the number of sales, it did not help the overall supply situation much because demand is so strong.
The total supply of homes for sale in May was 5.4 percent lower than a year earlier. Redfin recorded a 2½-month supply of remaining homes for sale at the end of the month. A six-month supply is considered a balanced market between buyers and sellers.
The shortage of listings continues to drive prices higher and incite bidding wars. Of the homes that sold in May, 27.6 percent went above their list price — another record in the markets Redfin tracks.
Interestingly, nearly a quarter of sellers in May dropped their prices, the highest percentage since September.
"Prices are still increasing, but not at the same rate we saw earlier in the spring," said Redfin senior economist Taylor Marr. "While it's still very much a seller's market, price growth and rising mortgage rates may be pushing buyers to the limit of what they're able to pay."
Mortgage rates have been rising since the start of this year and are now hovering around their highest level in seven years. The expectation is that rates will continue to rise modestly through the second half of this year.
"Fortunately, the economy is strong and wages are rising," said Lawrence Yun, chief economist for the National Association of Realtors. "If housing supply can be increased through new home building, then the negative impact of rising interest rates can be mitigated."
The nation's home-builders have been increasing production, but slowly, and mostly in the move-up price market. Demand is strongest at the entry level, and supply here is leanest. That will continue to keep most markets competitive throughout this year.
Regionally, Denver is the nation's fastest sales market, according to Redfin. The average home there is going under contract in just 6 DaysSeattle and TacomaWashington, were the next fastest markets at 7 Days, followed by Boston and Grand RapidsMichigan, at 8 Days on the market. 
Diana Olick CNBC.com

Tuesday, June 26, 2018


 HOME RENOVATION

Excepting an Overall Bid from a contractor instead of an “Itemized Bid”, could be setting yourself up for a large expense at the end of the project. Some contractors will say there are many Unknowns. 
If this is so, have the contractor show you or point out where this may occur. If they can’t show you, then move on and get another bid.

EXAMPLE OF A SIMPLE ITEMIZED BID: 
Permits
Demolition and Hauling Trash
Framing and Finish Carpentry
Plumbing-Bathroom Fixtures
Electrical Work
HVAC
Tiling or other Floor Covering Installations
Lighting fixtures
Drywall and painting


If the project is major, hire a Construction Attorney and have them look at the contract and the entire project. It could save you thousands of dollars in the end. Don’t wait until you have a problem - in the middle of the project. In California keep in mind that ANY Repairs/Construction over $500.00 - A Licensed Contractor must be hired to do the work. To Protect Your Interests - the Contractor MUST also be Bonded.

To see More Tips On Homes - 
Please Click the Link: Renovation Tips On Homes

Federico Filippi

302 N. Cleveland St.
Oceanside, CA. 92054
760-822-7403

Friday, June 22, 2018

***Oceanside Independence Parade will have the Largest Active and Veteran groups in the Parade Ever***


Date: June 30, 2018 - Time: 10 a.m.
Location: Coast Highway from Wisconsin Avenue to Civic Center Drive

The 24th Annual Oceanside Independence Parade, set for Saturday, June 30, 2018, will have a great Military line up featuring many active and veteran groups. Starting at 10 a.m. at the intersection of South Coast Highway and Wisconsin Avenue, the parade will travel north on Coast Highway to Civic Center Drive. More than 120 parade entries are expected to march, roll, walk and drive down historic Highway 101.

Contact: Cathy Nykiel, Parade Committee chair and Sunset Market manager, 760-754-4512, sunsetmarket@pacbell.net

Thursday, June 21, 2018

Selling Your Home?
Don't Expect to get back ALL that Money Back You're about to Put into Upgrades.
 
Starting a major construction project when trying to sell your home is more than likely Not the thing to do in some respects.

There are many websites on-line that will tell you if you spend X amount of dollars on re-doing your bathroom for example, you will receive a certain, sometimes greater, percentage amount back which is not always correct. Those figures may be somewhat dependent on areas that you do not live in.

Now this is not saying if you have a cracked bathtub, an oven from the early 1900's or the front yard fence needs repair and paint; of course those items need to be addressed.
The key phrase here is "Curb Appeal". This is the first thing
your potential buyer will see when they drive up to your home. You could spend $15,000 on a new bathroom, but the grass is dead, the front door is the original when you purchased the home twenty years ago, and the paint or varnish is pealing.

It's important to understand that many home buyers are going to do their own remodeling when they move in.

If you are dead-set on going to do any type of remodel, always look at the kitchen first, as this will probably be the best for your return. Now this doesn't mean a complete rebuild. You can repaint the cabinets, replace leaky faucets, add updated hardware, and if needed - change out dated light fixtures. 

If the carpets and windows are dirty, have them cleaned. What you are trying to show your buyer is a clean and organized and uncluttered home.

Simply do the obvious repairs and paint where needed in your home (always Neutral or Off White - Never White). Remember that the buyer will have an inspection done on your home. This could lead to items that must be repaired prior to the sale of your home. Save your money for that!

Your best bet is to have one of our experienced and seasoned Real Estate Agents at PIERVIEW PROPERTIES Real Estate walk the home with you and give you their professional advice, as this is the person that will be working with potential buyers. 
Federico Filippi

302 N. Cleveland St.
Oceanside, CA. 92054
760 822-7403
 David J. Albert Broker-Owner
"Serving Oceanside Communities Since 1979"

Monday, June 18, 2018

ATTENTION OCEANSIDE REALTORS

PIERVIEW PROPERTIES Real Estate, is actively seeking CA. Licensed Real Estate Agents. Our mission is to continually grow an organization of superior quality agents whose most important objective is to serve the community's housing needs with honesty, integrity and diligence.

Since 1979 David J. Albert/Broker has guided many agents successfully helping hundreds of satisfied clients finding their dream home, along with assisting others in the sale of their current home.

As an Independent Brokerage, you will not incur any desk fees, web fees, monthly fees or any of the other fees that Franchises will charge.

We also offer a very Generous Progressive Gross Commission On Sales

You will have the ability to Negotiate “Your Fees” with Your prospects.

 

So if you’re interested in working in an office with HIGH QUALITY WALK-IN TRAFFIC in the epicenter of Downtown Oceanside’s booming Hotel and location - 
Please E-mail your Resume to: David Albert at: djabroker@yahoo.com
Looking forward to speaking with you soon.
___________________________________________

320 N. Cleveland St.  Oceanside, CA. 92054
David Albert Broker/Owner
BRE #00712580
760 822-7403
"Serving Oceanside Communities Since 1979"