Karen Urata Realtor

Posts Tagged ‘Vista’

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

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

National Open House Week-End!

In North San Diego County, Real Estate, San Diego County on April 28, 2012 at 5:06 pm

 National Open House Week-End – April 28 & 29, 2012

If you have been thinking about making the move into your first new home, or upgrading to a larger home, or downsizing to a smaller home this week-end is a great opportunity to get out and see what could be your future home.

Many experts agree that right now the affordability of homes here in Southern California is at a very favorable level.  Prices are much more affordable than they have been and with the extremely low interest rates, this makes it a wonderful time to buy.

Take this home for example.  Built in 2000, it offers 3 bedrooms plus a loft, approx. 2,667 sq ft and a 3 car garage in the beautiful gated community of Willow Creek in Vista and it is priced at under $400,00.

This beautiful home has lots of natural light, an open floor plan and a large master.  It is move-in ready with new carpet and interior paint ans even has new sod in the back yard.  Located on a quiet cul-de-sac across from a small community park at 1557 Amber Creek Ct., Vista. CA .

If you are in the neighborhood Sat. April 28 of Sun. April 29th 1-4PM, please stop by.  If you can’t stop by the Open House but think this could be the perfect home for you, please call Karen at (619) 454-7959 to arrange a private showing.

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

(All information deemed reliable but not guaranteed.)

Just a Little Coffee Talk

In North San Diego County, Real Estate, San Diego County, Uncategorized, Vista on April 22, 2012 at 5:50 am

 

 

Next week-end, April 28th and 29th 2012, is National Open House week-end 2012 and I invite you to get out and tour your favorite neighborhood.  I will be holding open house and look forward to the chance that some of you will drop by while you are in the neighborhood.  While I have selected the homes that I plan to hold open I will announce them just prior to the event as it is very possible that those selected will already be under contract by that time.

So, today I would like to point out a few places you may want to check out if you are in the Tri-City area of Carlsbad, Oceanside and Vista.  Of course, on Saturday a great place to browse and snack is the Vista’s Farmer’s Market.  I love to stop by and visit Bryan at the booth for Leroy’s Sweet Potato Shack and enjoy a slice of sweet potato cake or pie.  He has other selections but I never seem to get past my favorites.  If you stop by, please tell Bryan I said hello.

While in Vista drop in at  the Yellow Deli.  The ambiance alone is worth the trip.  This two-story building feels like a hobbit house, with beautiful brick work, a fireplace, a peaceful outside terrace and a juice bar.  Be forewarned though that no one working here is in a hurry so you can’t be either.  They feature organic fare, much from their own farm, Morning Star Ranch Organic Avocado Ranch, Valley Center. The menu is sandwiches, soups and salads as well as creations from the juice bar and desserts. They are open 24/5 closing at noon on Fri and reopening at noon on Sun. Prices are quite reasonable.  Located at 315 East Broadway, Vista, CA.

Karen Urata

DRE License # 01720025

B W Real Estate Group

(760) 609-0952

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

When You Deserve a Little Treat…Try This

In North San Diego County, Oceanside, San Diego County, Vista on February 29, 2012 at 8:41 am

 

Every once in a while you run into a special treat that you just feel like you have to share. Well, I ran into one of those recently when I visited the Vista Farmer’s Market. The sign that said Leroy’s Sweet Potato Shack caught my eye because I LOVE a good sweet potato pie. Lately, I have not had one that I would consider exceptional so I did not take one of the samples, happy to stay with memories of one of my favorite treats rather than chance being disappointed with something that did not live up to my anticipations.

I talked a little with the young man at the booth about the key lime cake, which he said was a favorite, and he shared the story of how Leroy, now 71, had a love of baking and had shared that love through baking for his church. Long story made short, Leroy was encouraged to create a bakery business so that he could share the love with everyone and Leroy’s Sweet Potato Shack was born. Bryan, the young man who runs the booth at the market, explained how I could order a whole pie and pick it up at the Farmer’s Market or at their Storefront in Oceanside. I asked for his card and he said he could just give me the number to put in my cell phone and when I wanted to order a pie just call with a 48 hour notice and they would bake one right up for me.

Well Thanksgiving rolled around and I decided it would be a good time to try out Leroy’s pie baking ability. I ordered a sweet potato pie and picked it up at the storefront. After Thanksgiving dinner, out came the pie and the moment of pie judgment. Pie judgment at my house can be a bit harsh as my mother made fabulous pie and as far as my husband is concerned pie equals love.

I am sure you know by now that the pie was great because I am writing about it. It was not too sweet, and not too heavy. The filling was light and fluffy with just the right amount of seasoning and sweet potato flavor. It was actually so good that I often drop by to pick up pie at the storefront in Oceanside and have gotten to know Bryan as more than a great baker. He also works to help young people in foster care to become successful independent adults. So, if you happen to need a little treat in your life I would definitely suggest that you stop by one of the Farmer’s Markets (times and places listed below) and try out a piece of cake, or pie, or cheesecake, or a cookie or two.

Farmer’s Market Locations: Monday’s 1p-5p Lawrence Welk Resort Farmer’s Market Tuesday’s 3p-6:30p Escondido Farmer’s Market (postponed) Thursday’s 5p-9p Oceanside Sunset Market Saturday’s 8a-12p Vista Farmer’s Market Every other Sunday 9a – 1p La Jolla Open Aire Market * IN THE EVENT OF BAD WEATHER, WE MAY NOT ATTEND MARKETS. NORMAL MARKET PICKUPS THEN BECOME STOREFRONT PICKUPS. WE’LL BE IN THE BAKERY!

Bakery Hours: Monday through Friday 9a – 5p* Saturday 12p – 5p (scheduled pick-ups) * May close early due to farmer’s market attendance DIRECTIONS: From Hwy 5 – Exit Oceanside Blvd and go East Turn Left on Corporate Centre Dr Turn Right on Oceanic Dr Turn Left into first diveway Turn Left towards 3800 building We’re on the corner – Suite 118

To check out their website click here http://www.sweetpotatoshack.com/Home.html

Neighborhood is Little Gem in Vista

In CA, Real Estate, San Diego County, Uncategorized on January 31, 2012 at 12:08 am

Last week I held an open house in a neighborhood that really impressed me. Yes, it was beautiful. The sun was shining, the birds were singing, and there was a peaceful feeling as I looked over the golfers enjoying the day on the golf course that this home overlooked. Yes, the price was affordable, not something that a first time home buyer could only dream of attaining. But there was something else that made this community stand out to me. It was the people.
As I was placing my signs, I met people walking their dogs. They were friendly and asked who was selling, like they knew and cared about their neighbors.
When I opened the doors, there was a steady flow of people stopping by to see this home. Some were neighbors, some of those were neighbors who currently rented in the area and really wanted to buy there. They told me about the strong feeling of community they felt in this neighborhood. Some were from out of town, they told me that they had been looking for a quiet place to retire where they felt comfortable having their grandchildren over.
This particular home was not too large, 2 bedroom, 2 bath, 2 car attached garage with a fireplace and sliders to the covered patio backing to the golf course. I could see myself sitting on the patio in the morning, enjoying a cappuccino and a little cantaloupe while catching up with my correspondence and enjoying the beautiful green with its trees, and birds soaking in the sun. Surprisingly this is priced under $300,000.
If this type of home sounds perfect for you or for someone that you know and care about please do not hesitate to contact me. I love working to help make your real estate dreams come true.

See you in the neighborhood!

Karen Urata

B W Real Estate Group

uratakaren@yahoo.com

(760) 609-0952

DRE License # 01720025

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