Sometimes after tragic losses and after the shock wears off, a vision emerges of something much better. A little bigger, a little newer, lots more "COOL" stuff and with lots of patience and perseverance the vision becomes a reality.  This is Dan and Dusty's do over.  Painstakingly planned to fit their 21ST century lifestyle.  The plan has been executed with style, taste and grace.  Come see their vision.

Some of the folks in jeopardy are friends and clients and I can tell you that all they want to do is keep their homes.  They call me for advise on the correct avenue to take to attempt to retain their homes.  The current HOT buttons are loan modification programs.  As a matter of fact "loan mods" made the front page of the San Diego Union Tribune.  I tell them all to start at HUD.  The 24 hour hotline for distressed property is 877-hud-1515.  You will have to be persistent and patient.  As you can imagine they are getting thousands of calls.  Give it a call and see what they say.  There are also hundreds of private companies that have lept into the loan modification business.  Please be very wary.  Do your research on all companies offering loan mod services.  You can use the BBB, a google search can provide some insight and talk directly to your lender first.  Paying any money up front is extremely risky.  Performance is difficult to measure, especially if no modifications occur and if it sounds to good to be true it almost certainly is.  There are success stories out there and people are getting help everyday.  Be persistent, stay focused and be patient.  Let me know if I can help.

Sellers should be encouraged with the market.  If they price their homes correctly they move very quickly.  I know that the " we should have sold last year" pill is a tough one to swallow but once consumed you can get your home sold.  The market is what it is.

                                      You have brains in your head.
                                      You have feet in your shoes
                                      You can steer yourself
                                      any direction you choose.

It truly is our decision the direction we move.  These are tough times for all of us, but we do have brains and we have endured much more challenging times than these.  I vote that our direction should be to fixing whats wrong, being positive and moving on. 

Another birthday that I would like to mention would be my daughter Gina Handley's which was yesterday.  Seems like only a few years ago that she was reading Dr. Seuss and now she is all grown up and doing GREAT.  Happy Birthday Gina Bean!

I literally get asked daily what is going to happen with the San Diego Real Estate market.  The truth is I'm not sure.  I believe we are either at the bottom are very darn close to it.  Year over year sales in January were up over 130% although prices continue to inch downward.  What that says is that there are lots of buyers who perceive value in homes at there current price.  Buyers buy when they believe there is value.  The buyer pool does not shrink and buyers do not move to Oshkosh they just don't purchase when they do not see value.

There are some great deals out there right now and with interest rates remaining low it is truly a buyers market.

A great gage of the market and a group of people to watch are the investors.  Investors are buying because the price is right and the numbers make a lot of sense.

I will work on the ball and see if I can get it to work.

This beautiful home is located on a Cul de Sac in a very quite and private neighborhood of well kept and upscale homes.  The home has a terrific floor plan featuring a downstairs bedroom and a full bath. a Large family room off the kitchen, large bright sunny kitchen and a living room and dining area.  The custom curved oak staircase leads to the upper floor and the additional bedrooms of course dominated by the Master retreat.  The master features dual closets, extra large bath and a private deck with great views. 

The large lot features mature landscapping which is on an automatic sprinkler system, room for an RV or other toys and a patio that is perfect for entertaining.  The attached 2 car garage has custom built in cabinets with tons of storage space.

This is a really nice home and a great buy.  No HOA or Mello Roos!  Come take a look

This beautiful Rialto home is located on a Cul de Sac of fabulous upscale homes.  The floor plan is terrific.  The downstairs features a dramatic entry, large family room, a bedroom/office with its own private bath, huge eat in kitchen with granite and tons of counter and cabinet space, large family room and 2 fireplaces.  Ascending the curved staircase will lead to the 4 additional bedrooms and two full baths.  The large Master retreat provides a quite get away and features plenty of living space, private balcony with awesome views, a fireplace and a large bath with a garden tub, separate shower enclosure, dual sinks and dual walk in closets. 

The back yard is of course is dominated by the recently re-plastered Pool and Spa.  There is plenty of area for your barbecue and for all the friends that you will entertain there.  There is even room for an RV.

The home has newer carpet and fresh paint and is truly ready for its new owners.  Come take a look!

Great home that is ready for its new owners.  Numerous upgrades include windows, doors, kitchen and alarm system.  The 3rd bedroom has its own entrance so it could be used as a master or a granny flat.  The family room is absolutely huge and features lots of natural light and a wood-burning stove.  If you need extra room for a shop, craft room, storage or parking for all your toys then you must check out this detached garage.  Located on a corner lot with lots of space and fencing.  You will not want to miss this one.

You do not make money when you sell a home, you make it when you buy it !!

Think about that just for a couple of seconds.  Real Estate is just like anything else.  Buy low and sell high.  It's a great time to buy( make money)  A Mortgage Broker and I were working on a Marketing piece targeting potential VA buyers.  The recent past market had almost wiped out the VA mortgage buyer because of initial purchase price.  VA is the same as a conforming rate loan currently $417,000.  We wanted to know how many homes were available.  Here are those numbers.  I WAS STUNNED.

East County Single Family Homes under $417,000                  563

East County Townhouses/Condos under  $417,000                   795

http://www.completelandlord.com and it is terrific.  I will also put this on my resources page.  The site provides valuable tools,information and an online community designed to help landlords and investors increase the return on there property investments.

Great Home in one of Lakeside's nicest neighborhoods. Freshly painted inside and out. This home has been updated with tile, newer carpets, stainless appliances, central heat and air, all done with style and taste. Great VIEWS looking Northeast towards El Capitan. The backyard is large and could be the future site of a pool. Plenty of room for all your toys. The bedrooms are all good size and it has an excellent floor plan.

I just got the final figures for the 2006 market  if you would like to read the report just click on this link.  http://www.darelhandley.com/linksview.asp?id_links=4031