Getting Financially Fit

If you're planning to sell your home, be sure that you are executing a home sale that aligns with your life. For many sellers, the property preperation work is the first thing they think of. Decluttering your home is always the first start. Hire an agent to come into your home and tell you what needs to go. Then pack up the stuff and hire painters and housekeepers to update the home. Finally, here is where the financial preparation comes into play. 

1. Get cleared on your current credit score. Chances are this is where everyone spots credit glitches like bills that need to be paid and errors that sometimes occur. Be sure this gets the green light before listing your home to sell. And remember, the earlier you get started the more time you have to get it solved. Sometimes it can take months (or even a year) to complete this process. The earlier you start, the quicker you can finish.

2. There’s a lot that needs to be accounted for in housing costs before making a decision to sell your home. Just because interest rates are good, or you just got a raise doesn’t mean you’re ready to buy or sell. Factor in what the actual increase in your mortgage payment is going to be and how much you’ll net on your current home, how much cash you need to close on your new home, and how much things like utilities, property taxes, insurance, and other home-related expenses will be.

If you’re looking to downsize your current home to a smaller home or condo, you might see an increase in your property taxes. You might even get an HOA bill you’ve never seen before. Ask your agent to help you understand what sort of downsize or new property you can look to get into at various price points. Ask your mortgage broker to help you understand financial scenarios for purchase prices, down payments and monthly payments, and your tax advisor to understand impacts of various home scenarios on your income taxes.

3. Home inspections are key when getting ready to sell your home. Sometimes surprise property problems can complicate your sale or taxes that need to be paid to close the deal. Don’t wait until you have a buyer for your home. Get a home, pest, and / or roof inspection before your house even goes onto the market. This empowers you to make any necessary repairs what needs doing in your home.

4. Create a financial plan for the sale of your home. When you buy a home, sellers pay both agent’s commission. Make sure to calculate the average 5-6% of the purchase price to cover your listing agent’s work and the buyers agent too. Depending on the condition of your home, you might need to spend a few bucks on DIY projects to showcase your home to it’s full potential.

Need advice on your home sale, or looking for a mortgage broker / financial advisor who can help you? Give me a call today to see how I can help you.

Your Local Real Estate Expert,

 

Home For Sale in San Carlos!

6985 Caminito Curva, San Diego, CA 92119
$389,900

2 BED   |   3 BATH   |   1603 Square Feet

MLS #140031227

Welome to your beautiful new home in the Golfview Estates of San Carlos! With a fully remodeled kitchen, including new cabinets, gorgeous granite countertops and stainless steel appliances, this home won't last long!

Complete upgrade of the flooring throughout the home as well as new bathroom fixtures and cabinets. Marvelous fireplace in the living room that includes a dining room and balcony to enjoy a cup of coffee. This home is nestled in the quiet neighborhood of San Carlos but is close to shopping, dining, and the Mission Trails Park. 

For more information on this home or to schedule a private viewing, please contact STEPHEN NISSOU today at:
Cell: 619.250.4541
Office: 619.873.2772

E-mail: Stephen@StephenNissou.com

Website: www.StephenNissou.com

To see this listing, please copy and paste the following link:
www.NissouRealtyGroup.com/listing/mlsid/219/propertyid/140031227

Your Local San Diego Real Estate Expert,

Natural Hazard Disclosures

When you're ready to buy a home, you'll need to be sure that you receive a natural hazard disclosure report. Under section 1103 of the California Civil Code, the Natural Hazard Disclosure Act states that "real estate sellers and brokers are legally required to disclose if the property being sold lises within one or more state or locally mapped hazard areas."

The law requires six hazards to be disclosed, which include:

1. A Special Floor Hazard Area

2. Dam Inundation

3. Very High Fire

4. Wildland Fire

5. Earthquake Fault Zone

6. A Seismic Hazard

The state of California has a standard reporting format for the seller and their agent to comply with the laws, since it is their responsibility to disclose this information to the buyer. The seller and their agent can seek out a “third party” (typically a disclosure company, an engineer, geologist, or expert in the natural hazard discovery) to prepare the report.

The seller, sellers agent, and buyer, need to sign one copy of the Natural Hazard Disclosure Report proper to the close of escrow.

Your Local San Diego Real Estate Expert,

Kitchen Designs Worth Looking At

Nissou Realty Group recently stumbled upon some really great Kitchen designs while helping a client with staging their home. Open kitchen floor plans are all the rage for 2014.  Check these out and let us know what your favorite is!

For more kitchen designs check out our Pinterest page at www.Pinterest.com/NissouRealty 

Your Local San Diego Real Estate Expert,

Check out what’s going on in San Diego this weekend!

EVENT

2014 San Diego County Fair

Del Mar Fairgrounds 22nd DAA

Jun 7 - Jul 6, 2014

Price: Adult - $14* Seniors age 62+ - $8 Children age 6-12 - $8 Children age 5 and under - Free *Discount admission available at Albertson's/Sav-On

REGION: NORTH COUNTY COASTAL

San Diego's annual county fair is the largest fair in California, offering a variety of food, entertainment, exhibits, rides & games throughout the beautiful and historical Del Mar Fairgrounds in the oceanfront village of Del Mar.

EVENT

Air Show San Diego

Air Group One - CAF

Jun 7 - 8, 2014

Price: $10-$50

Venue: Gillespie Field

REGION: EAST COUNTY

AirShow San Diego is a once-a-year family event with a free Kid's Zone and free parking. Amusements, rides, education displays, a variety of food and beverages, plus a Beer Garden will add up to a great summer weekend for all.

EVENT

Janacek, Haydn and a Favorite Choral Work

La Jolla Symphony & Chorus

Jun 7 - 8, 2014

Price: Adult - $29 Senior - $27 Student -$15

REGION: LA JOLLA

Choral Director David Chase concludes his 40th anniversary season conducting chorus, orchestra, and soloists in Cary Ratcliff's expansive choral work set to the poems of Pablo Neruda.

EVENT

91X Presents - Sunset Sessions ROCK!

Belly Up

June 7, 2014

Price: In Advance - $15 Day of Show - $15

REGION: NORTH COUNTY COASTAL

Come help the music industry insiders discover the superstars of tomorrow.


(Compliments of http://www.sandiego.org/events.aspx)

Open House This Sunday!

Just in Time for Summer- Summer Design Inpiration

What;s better than the beginning of the warm weather that comes in San Diego when June hits? A little summer design inspiration of course! From bright colors to bold patterns, Summer brings a whole new approach to home design. 

Warm weather often calls for fresh color palettes whithin the home. However, it's not necessary to do a complete change in all your furniture to get this summer's hottest hues. Go from your normal design to vivid tones like orchids, or a subdued gray and blue that is currently trending within interior designers alike. Home decor accents are the best way to design on a budget, and not drastically change your home. 

-Swap pillows, throws, and paintings. They take minimal effort and little investment. 

With the warm months upon us, a touch of sparkle is always an attractive addition to rooms in your home. Light fixtures like crystal chandeliers can grace your bedrooms and bathrooms. They add visual drama that helps to reflect light and can be used to seperate surface transitions on walls, showers, and backsplashes. 

-Mixing crystal accents with organic accents like marble and wood adds a striking and chic contrast look in your home. If you don't have it in your budget, add glass like candles, vases, etc. Spice up the room with a pop of color in florals and voala! Instant home makeover! 

With the warm weather, who wants to stay cooped up in the house all day? Get a little vitamin C while relaxing by the pool or outdoors. The best way to do it? With garden furniture, of course! Your outoor wold should be beautiful, comfortable, and in sync with it's surroundings. Keep in mind that proportions are everything, so be sure that if you have a small space, don't use over-sized furniture and vice-versa. And just how important is color? It's huge! Color is all about intensity (bright or dull) and value (light or dark). Think about this when you're picking the right outdoor furniture.. And remember, not everything can be a statement piece. Pick some thing that you want to highlight and allow everything else to be backstaged. (Got a plain table? Make the chairs bold and striking!)

-Outdoor furniture is everything these days. If you're going to have a lot of company over, be sure there's enough seating! 


And while you're thinking about changing up the home for summer, be in touch with the styles for the season. There are three main home design styles that are dominating the summer design trends- tropical, floral, and indoor-outdoor. 

Tropical: This includes a combination of blues and greens along with viberant tribal elents and prints. And if that's not quite your thing, no worries. This season we're witnessing a new kind of tropical that includes bright, breezy, and flirty. Bold colors (like yellows and oranges) and exotic prints. But don't go overboard. Minimal is always best. Include a few home decorations in vibrant green and one in a tropical print. If you aren't sure, try just going with cushions and curtains. Chairs and coffee tables are safe, too. 

 

Floral: That same spring floral theme is still around, and it's still in touch with summer. If you have floral leftovers from the previous season, you can leave them hanging out for a few more months. Be sure that you always find a balance between color and lush - decorating with floral prints can be cute and chic, or a complete disaster if you don't find the right balance. TIP: Combine them with plain surfaces like floors, tables, walls, etc. If you aren't sure, experiment with a vase or two, or even throw pillows. This is always safe, easy, and affordable!

Outdoor to Indoor: Homes can resemble gardens and that makes everything interesting. Think of outdoor furniture (pots, plants, natural elements) and then find a cute vintage-looking garden table to place in your kitchen. Fill your home with plants and add little details like wood or rocks to help balance out the home. 


For more design tips and tricks, or for Summer Inspiration, check out our Pinterest Page at http://www.pinterest.com/nissourealty/summer-home-design/


Your Local San Diego Real Estate Expert,