Karen Urata Realtor

Posts Tagged ‘El Cajon’

Viewing Christmas Lights, a Family Tradition in San Diego County

In El Cajon, Escondido, La Mesa, North San Diego County, Oceanside, Poway, Ramona, San Diego, San Diego County, San Marcos, Santee, Things to do in El Cajon, Things to do in Escondido, Things to do in La Mesa on December 8, 2015 at 12:26 am

Image by Feelart at FreeDigitalPhotos.net

Image by Feelart at FreeDigitalPhotos.net

Viewing Christmas Lights, a Family Tradition in San Diego County

One of our family’s favorite festivities during the holiday season is to bundle up, hop in the car and take a drive to enjoy the Christmas lights in the neighborhood.  Of course, it usually is not snowing , and it does not require much bundling up to keep warm.  These days it pays to have a plan rather than just driving around so here is a great list of Christmas Light put together each year by San Diego Family Magazine.  The list is organized by each area of the county, ex: North County, East County etc. and then broken down by city, ex: San Marcos, El Cajon etc.  To plan your Christmas Light outing click here to view the list.

See you in the neighborhood,

Karen Urata

Century 21 Award

karenurata@gmail.com

(619) 454–7959

DRE License # 01720025

Winner 5-Star Award San Diego Magazine  -2010, 2011, 2012, 2015

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Santa is Coming to El Cajon Sat Nov 28th 12-7PM

In El Cajon, Family Fun, Things to do in El Cajon, Uncategorized on November 24, 2015 at 3:48 am

Christmas photo digidreamgrafix

 

Image courtesy of digidreamgrafix at FreeDigitalPhotos.net

Santa and Tree-Lighting in El Cajon

Looking for a family-friendly holiday event that is not too large and not too small?  Well, the Downtown El Cajon Business Partners are putting on  Holiday Lights on Main that you should find to be “just right”, on the Prescott Promenade.

The event takes place on Sat Nov 28th, 2015 starting at noon and ending at 7PM.  The festivities include Santa and Santa’s Village for the little ones as well as live music by a great local band, Danielle Tucker, and even an ice skating rink for everyone.

Some of the festivities will be held in front of Starbuck’s and Urban Street Brewing Company at West Main Street and Magnolia making it perfect to grab a hot chocolate or a favorite brew, whichever helps keep you cozy.  This will also be the scene of live music by the Danielle Tucker from 4:30PM – 7:00PM as well as the tree-lighting at 6:00PM.

Other attractions will be craft booths, where you can find that unique Christmas gift, and food vendors, where you can indulge in a little treat for your tummy.

The little ones will enjoy Santa, a Santa’s Village and even an ice skating rink.  When was the last time you went ice skating?  Sounds like fun for all.

See you in the neighborhood.

Karen Urata – Century 21 Award             BRE License # 01720025

619-454-7959                                                karenurata@gmail.com

 

 

 

 

I want to buy a home, Where do I start?

In El Cajon, Escondido, Home Buying, La Mesa, Mission Valley, North San Diego County, Oceanside, Poway, Ramona, Real Estate, San Diego, San Diego County, San Marcos, Santee, Transaction Tuesday, Vista on June 26, 2015 at 11:14 pm
  1. Transaction Tuesday

    Image courtesy of smarnad/FreeDigitalPhotos.net

    I want to buy a home, Where do I start?

    Many people start their home -buying process on the Internet these days.  As a matter fact, it has been reported that 90% of home-buyers start here.  The reasons for this are many, including the fact that you can shop from the comfort of your own home, at any hour of the day or night, so this makes sense.  However, the most important first step in your home-buying process actually should be to get a pre-approval from a good lender.  Here is a little story that illustrates this point.

    Mr and Mrs Smith had been thinking of purchasing a home in a more central location to accommodate the separate commutes they now were making for work.  They had looked off and on over the last year or so but had taken a wait and see approach trying to time the market to catch the “bottom” so they would get the lowest price possible.   During that time, prices did go down, and following that, inventory or the number of homes available on the market went down also.  As a result of this, home prices started to rise slightly, then interest rates also started to inch up as well which eat into their purchasing power.  In other words, the monthly payment that they would qualify for, let’s say $2,000 now bought them a home priced at $400,000 rather than $430,000.  So now they will be able to buy but the home they can purchase for the same $2,000 a month payment will probably be smaller or have fewer of the features that they desired.

    In spite of the low inventory and the decrease in their buying power, the Smiths were online one day and found a perfect home with everything they desired in their price range.  This was really exciting because it had been a long time since they had see anything that fit their needs so well. So they got on the phone to contact an agent so they could tour the property and have the agent help them to construct an offer for submission.

    Imagine their surprise when the agent informed them that the sellers of this home require that to submit an offer you must show that you are already approved for financing through a lender with what is called desktop underwriting approval with credit report and proof of funds.  In addition, if your offer is accepted you will have to be approved through their preferred lender as well.   Of course, the home had an accepted offer long before the Smiths were able to gather the necessary documentation and approvals required in order to submit an offer.  So while this may have been the perfect home for the Smiths to purchase and the Smiths may have been the perfect buyers for these sellers to acquire the “highest and best offer” for this property, the transaction was stopped before it even started because the Smiths, like many buyer, had skipped an important step in the home-buying process, getting their financing in place.

    The moral of this story is that the most important first step in a transaction is to secure your financing with a good lender.  If you need guidance on how to select a good lender just give me a call.  I am always happy to help.

    See you in the neighborhood,

     

    Karen Urata

    DRE License # 01720025

    Cemtury 21 Award

    619-454-7959

     

    5-Star Award Winner  San Diego Magazine 2010, 2011, 2012, 2015

    Serving Buyers and Sellers in San Diego County

Why is Escrow Asking Me for Personal Information and What Should I Do About It?

In El Cajon, Escondido, La Mesa, Mission Valley, Norh San Diego County, North San Diego County, Oceanside, Poway, Ramona, Real Estate, San Diego County, San Marcos, Santee, Transaction Tuesday, Vista on June 26, 2015 at 10:52 pm

Transaction Tuesday

Image courtesy of smarnad/FreeDigitalPhotos.net

Why is escrow asking me for personal information and what should I do about it?

These days we all know that we should never give out any of our personal information unless we know exactly who is getting it and exactly why they need it so this is a question that often comes up during the escrow process.  The reason for this is a little piece of paper that seller’s are given to fill out by the escrow officer called the Statement of  Information.

This form is actually used by your title company to distinguish the buyers and sellers of real property from other people with similar names when searching public records for judgments, liens, court decrees, bankruptcies or other matters.

If you fail to provide the Statement of information, your title company will have to add exclusions to the policy that list as exceptions from coverage judgments, liens or other matters which may affect the property to be insured.  These exclusions or exceptions are not allowed by lenders.  Lenders will require that the title is insured, so without this Statement of Information being submitted in a timely manner you might  find that your closing could be delayed.

Just another tip to help your transaction go smoothly to closing.  Remember, feel free to call me if you have a question about real estate.

 

See you in the neighborhood,

Karen Urata

Century 21 Award

uratakaren@yahoo.com

(619) 454–7959

DRE License # 01720025

Winner 5-Star Award San Diego Magazine  -2010, 2011, 2012, 2015

This Is What Being a Realtor Is All About

In El Cajon, Escondido, La Mesa, Mission Valley, Norh San Diego County, Oceanside, Poway, Ramona, Real Estate, San Diego County, San Marcos, Uncategorized, Vista on October 9, 2012 at 6:42 pm

Dream Egg – Photo by Karen Urata

What is being a Realtor all about?  I was thinking about that today after having the pleasure of handing my buyer the keys to his new home.

So many plans for the future, and they all fit neatly into this beautiful home.  A warm, almost glowing kitchen where many dinners will be prepared and shared with friends and family.  A fireplace where comfort with a great book can be found on a chilly winter evening.   An office, so you can catch up on work without a commute to the office.  A studio, where you can explore the artist in you, whether it be the painter, the musician or the writer.

Outside, a park-like yard, perhaps the scene of  a future picnic table full of covered dishes and burgers from the BBQ and a crowd to enjoy them.  Maybe a tree swing, the kind that children always remember and smile.

The garage, where projects start and sometimes finish, precious relics of life are stored in cardboard boxes, and sometimes even where a car or two reside.

How many people can say their job is to help people make their dreams come true?  This is what being a Realtor is all about for me.

See you in the neighborhood,

Karen Urata

DRE License # 01720025

B W Real Estate Group

(760) 609-0952

5-Star Award Winner  San Diego Magazine 2010, 2011, 2012

Serving Buyers and Sellers in San Diego County

Does it Make Sense Today to Hire a Realtor When Buying or Selling Your Home?

In La Mesa, Mission Valley, North San Diego County, Oceanside, Poway, Real Estate, Retirement homes, San Diego County, Uncategorized, Vista on May 8, 2012 at 5:06 pm
1941 REALTOR ad #2

1941 REALTOR ad #2 (Photo credit: NARinfocentral)

Image: jannoon028 / FreeDigitalPhotos.net

We live in such a wonderful time.  The internet brings so much information to our fingertips.  Homebuyers are able to see homes on the market and market value information, like Zestimates, in a flash.  It is a benefit of the information age.  It makes many people wonder if today, they really need a professional to help them find the home of their dreams.

Interestingly enough, I think the answer to this is maybe even more so today than ever.  Why?  Because while it is true that there is more information available to us today, there is also more misinformation.

Well, I do not know if you have ever searched online for a home and after an hour or two decided that you have found just what you wanted.  You sent off an email only to find that it sold 6 months ago.

Maybe you are thinking of selling your home to upgrading to a larger home in order to take advantage of the fact that the lower prices often translate in to a larger proportional savings at a higher price point.  You have done research on-line to get an idea of the value of your property through the tools like Zestimates.  You calculated what you might then have to put down on the purchase of your new home.  You are ready to sell and decide to go it alone and put your home on the market without the help of a professional Realtor®.  You set your price based on the research you did on the internet.  Because the tools you used cannot take into consideration the personal nature of each property or the details of the transactions, it is not an accurate reflection of an individual property in the market conditions that exist today. The result is that you may not be priced to attract the ideal buyer for your property.  The consequence could be that your home languishes on the market and as a result, buyers may not even include your home on their list of viewings thinking that there must be something wrong with this home because it has been on the market so long.  In addition to strategic pricing, a Realtor® can draw on real estate marketing expertise and real estate network contacts to promote your home on the real estate market.

Having said that, I think that the internet is a wonderful place to start your journey of buying or selling a home.  I just believe that along the way it is important to find a professional Realtor® to work on your behalf to help guide you through the art of negotiating the right terms on the right property or with the right buyers to make your real estate goals a reality.

If you have any questions about the real-time market conditions in your neighborhood or the neighborhood you want to live  in, please do not hesitate to contact me.  I am here to help you.

See you in the neighborhood,

Karen Urata

DRE License # 01720025

B W Real Estate Group

(760) 609-0952

5-Star Award Winner  San Diego Magazine 2010, 2011, 2012

Serving San Diego County