Absolutely stunning executive home with panoramic views.  From the moment you enter through the custom double doors and step into the foyer with a view of the dramatic grand staircase you will be inpressed.  The formal Living and dining rooms, both with commanding views of the mountains, Kitchen with breakfast area, full bath, an extra room that could be a 4th bedroom or an office are all on the first level.  A few steps down will take you into  the massive family room

This is the Right Home,in the Right neighborhood, at the Right price and you can own it Right now.  Extensively upgraded over the last few years.  Old popcorn ceilings, gone. old tired kitchen, gone. old inefficient windows, gone.  worn out hot water heater and furnace, gone. Ugly bathrooms, gone. Stained and over used flooring, gone.   Nice sized lot that features a private backyard that is perfect for entertaining or play.

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.

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.

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