Four Seasons Realty: California: Carlsbad: Aviara

Aviara~ 92011~Carlsbad California Free Downloadable Foreclosure Auction Report and Guide.   Are you looking for a free way to track foreclosures in your area and download free reports of what Foreclosure Auctions are available on the market?   Then you have come to the right place.   We will offer you real time access to search all short sales on a map, even the ones that are not listed.   You can also download our Foreclosure Auction reports which will give you itemized addresses, property type, bedrooms, bathrooms,etc.  Click here to go to our free instant download page. 

Foreclosures scheduled for Auction:  We actually attend the Foreclosure auctions on a regular basis.  They are either held downtown San Diego on the courthouse steps or at the Courthouse in El Cajon.  These properties are ones that the lender was not able to work out a viable solution for the current homeowner by either refinancing them, modifying their loan, or facilitating a short sale.   In this case, they take them to the foreclosure auction to offer them up for sale to 3rd party investors.   There can be a lot of great deals to be had at these sales if you really do your homework and are diligent in your efforts.    Some important things to note about these sales:

• You have to pay cash on the spot if you are the winning bidder (Via Certified Cashiers Check)
• You can't buy Title Insurance, which protects you against any unknown or past liens
• The properties are sold in completely "as is" condition
• Many times the properties are still occupied by the current owners or tenant and it is up to the new buyer to handle the eviction process at this point
• Many times if the property is occupied before the foreclosure auction it is impossible to inspect these properties up front

These items listed above could really come back to haunt you if you don't thoroughly do your homework, however they also many times allow for great opportunities.   To learn more about upcoming foreclosure auctions, and to track upcoming foreclosures in Aviara and other San Diego County cities click here.

These are just some thoughts to keep in mind when buying a property from a Foreclosure Auction, you will just want to factor in some of these potential costs when considering making an offer.   We answer these and many more questions at our Home Buyer Resources page which also gives you instant access to download our free list of Foreclosure Auction properties in Aviara or other cities.   Click here to get access now for free!

Aviara~ 92011~ Carlsbad Free Downloadable Bank Owned Foreclosure Report and Guide.   Are you looking for a free way to track foreclosures in your area and download free reports of what bank owned foreclosures are available on the market?   Then you have come to the right place.   We will offer you real time access to search all bank owned foreclosures on a map, even the ones that are not listed.   You can also download our bank owned reports which will give you itemized addresses, property type, bedrooms, bathrooms,etc.  Click here to go to our free instant download page. 

Bank Owned REO Homes for Sale:  This is an area in the current market place that I think can have tremendous opportunities for buyers.   These properties have gone through the foreclosure process and are now owned by the bank alone.   The banks traditionally don't like to own these homes because it ties up money that they could be using to lend.   Usually offers on bank owned homes for sale are responded to quickly and you don't have the time of waiting around for months to hear back like you do with short sales.   Here are some important bullet points about Bank Owned REO Homes for Sale:

• In most cases you can use traditional financing on these properties just like you would with buying a Resale or New Home.
• You can also inspect the property thoroughly up front and have appraisals, termite inspections, home inspections, etc, performed in advance before closing.
• You can buy title insurance.  Unlike with foreclosure auctions, Bank owned homes for sale allow you to protect yourself and buy the property with clean title.
• The last owner or tenants have already been evicted and the properties are vacant.
• The banks are motivated to sell.

I believe that in many cases bank owned REO Homes for Sale are just as good of a deal as Short Sales or Foreclosure Auctions.   It still comes back to your personal situation and your risk tolerance for what is right for you.   If you are looking at this as an investment, but its also a home that you and your family are going to live in, than I would suggest a bank owned REO home, a Resale home, or potentially even a short sale.   If you are a saavy investor, you don't plan on living in the home, and you have a higher risk tolerance, than maybe buying at the Foreclosure Auction is the solution for you.   Either way, we can help you make that decision easier for you.    To learn more about Bank Owned REO Homes for Sale and actually search available bank Owned Homes in Aviara, Carlsbad and other San Diego County Cities click here!

These are just some thoughts to keep in mind when buying a Bank Owned Foreclosure, you will just want to factor in some of these potential costs when considering making an offer.   We answer these and many more questions at our Home Buyer Resources page which also gives you instant access to download our free list of Bank Owned Foreclosure properties in Aviara or other cities.   Click here to get access now for free!

Aviara~ 92011~ Carlsbad Free Downloadable Short Sale Report and Guide.   Are you looking for a free way to track foreclosures in your area and download free reports of what short sales are available on the market?   Then you have come to the right place.   We will offer you real time access to search all short sales on a map, even the ones that are not listed.   You can also download our pre-foreclosure reports which will give you itemized addresses, property type, bedrooms, bathrooms,etc.  Click here to go to our free instant download page. 

What is a Short Sale: Properties that are in default, meaning the current owner is at least 3 months behind on their mortgage or more.   Short sale's require the lender approve the sale if the amount the property is selling for is less than what is owed.   I recommend these to our clients when it is a property that they absolutely love and are willing to wait on.   Many times it can take 3 to 6 months to get the lender to approve a short sale, and even though its under contract between the buyer and the current seller, the lender can still say no in the end!  However, in many cases banks are now being incentivized by the government to approve short sales.  If it's a property that the buyer isn't that crazy about, they are probably not worth the time and effort.   However, sometimes waiting and being patient, can not only get you a great deal, but a great home that you love all in one.   To learn more about listed short sales and to search all available short sales in Aviara click here.    If you want to view unlisted short sales on a map click here.

Things to keep in Mind when considering a short sale.

• The lender usually won't pay for any necessary repairs before purchase
• They can take 3 to 6 months before approval
• Lenders usually won't pay for a home warranty
• Lenders in many cases won't pay for a termite report or any work to be performed
• Lenders in Some cases may ask the new buyer to pay HOA dues that are past due.

These are just some thoughts to keep in mind when buying a short sale, you will just want to factor in some of these potential costs when considering making an offer.   We answer these and many more questions at our Home Buyer Resources page which also gives you instant access to download our free list of Short Sale properties in Aviara or other cities.   Click here to get access now for free!

Are you looking to sell or list your home in Aviara Carlsbad, California?  Here are some helpful hints on how to quickly “seal the deal.”

Web Savvy Realtor                                                                                                                            

Studies show that almost 85% of potential homebuyers start searching for their next home online. When they find a home online, they are far more likely to come and see it. To quickly sell your home at top price, finding a realtor with solid internet marketing strategy is a MUST! Most likely, you are reading this blog because you found us on one of the top pages on one of the search engines listed below:  Now, imagine buyers finding your home listed on one of the top pages! Your listed home should be found on one of the top spots of Google, Yahoo, or Bing, and syndicated to other top sites.  Most listing agents do not know how to aggressively pursue a strong online marketing campaign. But Four Seasons Realty scores on the first page of Google and other search engines for hundreds of categories and search terms. To give your home maximum exposure, we also syndicate our listings on top Real Estate sites such as Zillow, Realtor.com, Homes.com, Craigslist, Sandicor, Popular Blogs, Facebook, Twitter, YouTube, and Four Seasons Realty Website.

A Realtor Who Knows Active Buyers                                                                                                                      

Find a Realtor who personally works with active buyers. In a good economy, Realtors can post listings on the MLS, type up a few flyers and wait for other agents to call with offers. Many Realtors are strictly listing agents who do not independently search for buyers. A Realtor with a solid marketing campaign who works with active buyers can help get you a much higher return when selling your home. At Four Seasons Realty, we are currently working with several hundred pre-approved buyers, including many in Carlsbad, California and we would love to talk to you further about listing your home and introducing you to one of our qualified buyers. To learn about our active buyers for Carlsbad California, click here.

Short Sale Listings                                                                                                                                                                

A short sales specialist is necessary because you want an agent who understands how to interact with banks, knows the required paperwork, and how to push through to close the deal. Most agents fail at short sale listings due to lack of familiarity. Due to our experience and persistence working directly with the banks, we have successfully closed a high percentage of short sale properties. If you may be in a short sale situation, we would be happy to speak with you further.  Please contact us here.

For a free consultation and proposal of our marketing strategy to list and sell your home, please call us at 858-380-2005 and ask for Cody.  We also have available a free checklist on how to best prepare your home for a sell. In fact, I may already have a qualified buyer who's ready to write you an offer!  I look forward to hearing from you soon.  To visit me online, please click here.

Aviara~ Carlsbad California~ Tips to buying homes at the Courthouse Foreclosure Auction

Buying a home at auction requires diligent preparation. Experts at Four Seasons Realty will share insights on how to find affordable auction properties and help you determine if this is the proper course of action. We will also provide you with a brief summary of the results from the Downtown San Diego Foreclosure Auction, which handles sales throughout the county.

To download Aviara’s weekly summary report for free, click here.

Foreclosure auction sales are open to the public on a daily basis, usually starting at 10 a.m. every weekday, excluding holidays and are held at 220 West Broadway, San Diego. There is also a daily auction held in El Cajon.  I regularly attend the auctions and would be happy to provide you additional insight into buying such properties.  To track upcoming homes going up for sale at the auctions in Aviara or other San Diego County Cities click here.

Our website allows you to search Pre-Foreclosure, Short Sale, Foreclosure, Resale, and Bank Owned Listings for free! You can also sign up for our Property Watch Service which automatically provides updates of new listings that fit your guidelines. Click here.

We look forward to assisting you find your ideal home.   

Are you in a potential short sale situation in Aviara, Carlsbad Californa?  Know your options. Don’t fall short! 

What is a short sale?                                                                                                                                                  

Short sales typically occur when a borrower’s home is worth less than what is owed to the property lender. In some cases, the lender may approve a short sale, allowing the property to sell for less than the amount owed.  In this case, the lender approves the short sale and takes less, and the borrower is no longer responsible to pay the loan. Sometimes, the lender requests the borrower to take back a loan to pay the deficient amount between what was owed and what the property sold for.  However, this scenario can often be avoided. The borrower can walk away and in return, the lender can sell the home and get their money out.    

If you are interested in purchasing short sales in Aviara or other cities, you can view all active short sale listings on our website by clicking here.

What happens?                                                                                                                                  

Short sales take about 2 to 6 months. The bank will review the borrower’s circumstance, to see there has been some form of hardship. The lender will want the property to be listed on the market by a Real Estate agent, and will want to review offers. Once an offer is received for the property, the bank will usually order an appraisal. The lender reviews the appraisal, the offer, and the client's paperwork, and then either approves or denies the short sale. If the short sale is approved, the lender will usually issue a short sale approval letter, with an expiration date, and outline the price and terms the lender will accept. To learn more about short sales click here.

Who qualifies?                                                                                                                     

Typically people who are experiencing financial hardship or have had some change in income/assets or can no longer afford to pay the loan. If this scenario rings a bell, give us a call. We can help.

Does this help or hurt me?                                                                                                     

While performing a short sale may adversely affect your credit, the benefits outweigh your property going into foreclosure. You can usually recover from a short sale much faster than a foreclosure.   

What if I have been declined a loan modification?                                                                               Being declined a loan modification does not mean you won’t get approved for a short sale. It may be that your income has changed since you bought the home that they declined the loan modification.  However, this could be a positive sign for approving a short sale due to financial hardship.

What’s next?                                                                                                                                            

Contact us for a no-obligation consultation to see if a short sale may be right for you.  We are highly experienced in handling short sales and are ready to help so don't wait! Call us or click here.

Are you relocating to Aviara, Carlsbad California? Click here to download  free information about Aviara.

Here are some helpful community tips.

Located in Carlsbad, California, Aviara is a residential-resort community overlooking the Pacific Ocean.  This exclusive 1,000 acres is home to the world-famous Four Seasons Resort and the Aviara Golf and Country Club. Driving down Aviara’s roads, you are surrounded by lush jacaranda trees. In addition to its natural beauty, Aviara is just minutes away from:

·         Legoland

·         Carlsbad Flower Fields

·         Fine dining

·         Great shopping

·         Spectacular golf course

·         Beaches

·         Batiquitos Lagoon

This elegant, master-planned community offers residents several distinctive neighborhoods that include executive homes, gated condominiums, exclusive apartments and plentiful custom homes with various architectural designs.  Aviara has something for every age group.  Retirees enjoy the laid-back environment while nature lovers take to the scenic Batiquitos nature trail, overlooking the famous lagoon. Aviara’s abundant sidewalks are ideal for walkers, joggers and strollers. It has high-performing schools such as Aviara Oaks Elementary, Aviara Oaks Middle School and Carlsbad High School.

For real estate opportunities in Aviara, click here.

Short Sale Process Explained - Aviara Carlsbad California - Short Sale my Home

Do you think you are in a potential short sale situation?  Do you know your options?   You do have them...

Overview:   Short sales typically occur when a borrower is in a situation where the home is worth less than what is owed to the lender on the property.   In some cases depending on the borrowers situation, the lender may approve a short sale which allows the property to be sold for less than the amount owed.   In this case the lender approves the short sale and takes less, and the borrower is no longer responsible to pay the loan.   In some cases the lender can ask that the borrower take back a loan to pay the deficiancy amount between what was owed and what the property sold for.   However, in many cases, this can be avoidable and the borrower can walk away and in return the lender can sell the home and get their money out.    

The Process:   The Short sale process unfortunately can take some time, 2 to sometimes 6 months.   The bank will want to review the borrowers situation, see that there has been some form of hardship, the lender will want the property to be listed on the market by a Real Estate agent, and will want to review offers.   Once an offer is received for the property, the bank will then usually order an appraisal.   Once the lender reviews the appraisal, the offer, and the client's paperwork, the lender will then either approve or deny the short sale.    If the short sale is approved, the lender will usually issue a short sale approval letter.   This letter will outline the price the lender will accept and terms.   It usually will always have an expiration date to which a new approval will have to then be rendered or they may cancel the short sale all together.   To learn more about the short sale process click here.

Who may qualify?:  Typically people who are in some form of financial hardship or have had some change in income or assets who no longer can financially afford to pay the loan may qualify for a short sale.   If you may be in a situation like this, you owe it to yourself to give us a call, we may be able to help.

How does this help or hurt my situation?:   While performing a short sale may have an adverse effect on your current credit situation; the short to long term benefits may highly outweigh it going to foreclosure.   Foreclosures effect you for up to 7 years, while in many cases, you can recover from a short sale much quicker!  

What if I have been declined for a loan mod?   Many borrowers have tried to do loan modifications without much success.    If you have been declined for a loan modification, this does not mean you wouldn't get approved for a short sale.  It may be that your income has changed since you bought the home that they declined the loan modification, however this could be a good sign that they would approve a short sale due to the hardship financially.

What are the next steps?:  The first step is to contact us.   We can give you a no obligation consultation regarding your current situation to see if a short sale may be right for you.   We are highly experienced in handling short sales and are we are standing by ready to help!   Don't wait til it's too late!   Call us or click here.

If you are interested in purchasing short sales in Aviara or other cities you can view all active short sale listings on our website by clicking here.

Aviara - Carlsbad Homes for Sale - Aviara Foreclosures

When we look at the current Real Estate environment it can be overwhelming with all the headlines in the news.  Everyone has a different opinion of where the good deals are and how to find them or where the economy or housing market is headed.

We have clients call us all the time wanting to buy foreclosures, short sales, or REO's because they think the thought of them automatically sound like a good buy!    However, is this true?   Lets first have an understanding of what they are and the differences of each.   This will hopefully help determine which approach is the best for you and your situation.

Foreclosures and Short Sales can be great buys if you know how to find them and how the process of buying them works.

Short Sales: Are properties that are in default, meaning the current owner is at least 3 months behind on their mortgage or more.   Short sale's require the lender approve the sale if the amount the property is selling for is less than what is owed.   I recommend these to our clients when it is a property that they absolutely love and are willing to wait on.   Many times it can take 3 to 6 months to get the lender to approve a short sale, and even though its under contract between the buyer and the current seller, the lender can still say no in the end!   If its a property that the buyer isn't that crazy about, they are probably not worth the time and effort.   However, sometimes waiting and being patient, can not only get you a great deal, but a great home that you love all in one.   To learn more about short sales and to search all available shortsales in Aviara, Carlsbad click here.

Foreclosures scheduled for Auction:  We actually attend the Foreclosure auctions on a regular basis.  They are either held downtown San Diego on the courthouse steps or at the Courthouse in El Cajon.  These properties are ones that the lender was not able to work out a viable solution for the current homeowner by either refinancing them, modifying their loan, or facilitating a short sale.   In this case, they take them to the foreclosure auction to offer them up for sale to 3rd party investors.   There can be a lot of great deals to be had at these sales if you really do your homework and are diligent in your efforts.    Some important things to note about these sales:

• You have to pay cash on the spot if you are the winning bidder (Via Certified Cashiers Check)
• You can't buy Title Insurance, which protects you against any unknown or past liens
• The properties are sold in completely "as is" condition
• Many times the properties are still occupied by the current owners or tenant and it is up to the new buyer to handle the eviction process at this point
• Many times if the property is occupied before the foreclosure auction it is impossible to inspect these properties up front

These items listed above could really come back to haunt you if you don't thoroughly do your homework, however they also many times allow for great opportunities.   To learn more about upcoming foreclosure auctions, and to track upcoming foreclosures in Aviara, Carlsbad and other San Diego County cities click here.

Bank Owned REO Homes for Sale:  This is an area in the current market place that I think can have tremendous opportunities for buyers.   These properties have gone through the foreclosure process and are now owned by the bank alone.   The banks traditionally don't like to own these homes because it ties up money that they could be using to lend.   Usually offers on bank owned homes for sale are responded to quickly and you don't have the time of waiting around for months to hear back like you do with short sales.   Here are some important bullet points about Bank Owned REO Homes for Sale:

• In most cases you can use traditional financing on these properties just like you would with buying a Resale or New Home.
• You can also inspect the property thoroughly up front and have appraisals, termite inspections, home inspections, etc, performed in advance before closing.
• You can buy title insurance.  Unlike with foreclosure auctions, Bank owned homes for sale allow you to protect yourself and buy the property with clean title.
• The last owner or tenants have already been evicted and the properties are vacant.
• The banks are motivated to sell.

I believe that in many cases bank owned REO Homes for Sale are just as good of a deal as Short Sales or Foreclosure Auctions.   It still comes back to your personal situation and your risk tolerance for what is right for you.   If you are looking at this as an investment, but its also a home that you and your family are going to live in, than I would suggest a bank owned REO home, a Resale home, or potentially even a short sale.   If you are a saavy investor, you don't plan on living in the home, and you have a higher risk tolerance, than maybe buying at the Foreclosure Auction is the solution for you.   Either way, we can help you make that decision easier for you.    To learn more about Bank Owned REO Homes for Sale and actually search available bank Owned Homes in Aviara, Carlsbad and other San Diego County Cities click here!

We have put together a fully integrated Real Estate website which will allow you to search all of these properties that we have talked about above, all in one place.   You can search properties throughout the entire San Diego County MLS, save properties, request showings, print fliers, track foreclosures, etc, all for free.   All we ask in return is the opportunitiy to be of service to you or someone you know in helping them find their next home.   Give us a call or visit us here.

We look forward to hearing from you!

Buying Foreclosures at the Auction Vs. Buying Bank Owned REO Homes for Sale.   Which is the better deal?  The answer usually lies in what is best for your situation...  Below is some information to help you determine whats right for you...

When we look at the current Real Estate environment it can be overwhelming with all the headlines in the news.  Everyone has a different opinion of where the good deals are and how to find them or where the economy or housing market is headed.

We have clients call us all the time wanting to buy foreclosures, short sales, or REO's because they think the thought of them automatically sound like a good buy!    However, is this true?   Lets first have an understanding of what they are and the differences of each.

Foreclosures and Short Sales can be great buys if you know how to find them and how the process of buying them works.

Short Sales: Are properties that are in default, meaning the current owner is at least 3 months behind on their mortgage or more.   Short sale's require the lender approve the sale if the amount the property is selling for is less than what is owed.   I recommend these to our clients when it is a property that they absolutely love and are willing to wait on.   Many times it can take 3 to 6 months to get the lender to approve a short sale, and even though its under contract between the buyer and the current seller, the lender can still say no in the end!   If its a property that the buyer isn't that crazy about, they are probably not worth the time and effort.   However, sometimes waiting and being patient, can not only get you a great deal, but a great home that you love all in one.   To learn more about short sales and to search all available shortsales in Aviara, Carlsbad click here.

Foreclosures scheduled for Auction:  We actually attend the Foreclosure auctions on a weekly basis.  They are either held downtown San Diego on the courthouse steps or in El Cajon.  These properties are ones that the lender was not able to work out a viable solution for the current homeowner by either refinancing them, modifying their loan, or facilitating a short sale.   In this case, they take them to the foreclosure auction to offer them up for sale to 3rd party investors.   There can be a lot of great deals to be had at these sales if you really do your homework and are diligent in your efforts.    Some important things to note about these sales:

• You have to pay cash on the spot if you are the winning bidder (Via Certified Cashiers Check)
• You can't buy Title Insurance, which protects you against any unknown or past liens
• The properties are sold in completely "as is" condition
• Many times the properties are still occupied by the current owners or tenant and it is up to the new buyer to handle the eviction process at this point
• Many times if the property is occupied before the foreclosure auction it is impossible to inspect these properties up front

These items listed above could really come back to haunt you if you don't thoroughly do your homework, however they also many times allow for great opportunities.   To learn more about upcoming foreclosure auctions, and to track upcoming foreclosures in Aviara, Carlsbad and other San Diego County cities click here.

Bank Owned REO Homes for Sale:  This is an area in the current market place that I think can have tremendous opportunities for buyers.   These properties have gone through the foreclosure process and are now owned by the bank alone.   The banks traditionally don't like to own these homes because it ties up money that they could be using to lend.   Usually offers on bank owned homes for sale are responded to quickly and you don't have the time of waiting around for months to hear back like you do with short sales.   Here are some important bullet points about Bank Owned REO Homes for Sale:

• In most cases you can use traditional financing on these properties just like you would with buying a Resale or New Home.
• You can also inspect the property thoroughly up front and have appraisals, termite inspections, home inspections, etc, performed in advance before closing.
• You can buy title insurance.  Unlike with foreclosure auctions, Bank owned homes for sale allow you to protect yourself and buy the property with clean title.
• The last owner or tenants have already been evicted and the properties are vacant.
• The banks are motivated to sell.

I believe that in many cases bank owned REO Homes for Sale are just as good of a deal as Short Sales or Foreclosure Auctions.   It still comes back to your personal situation and your risk tolerance for what is right for you.   If you are looking at this as an investment, but its also a home that you and your family are going to live in, than I would suggest a bank owned REO home, a Resale home, or potentially even a short sale.   If you are a saavy investor, you don't plan on living in the home, and you have a higher risk tolerance, than maybe buying at the Foreclosure Auction is the solution for you.   Either way, we can help you make that decision easier for you.    To learn more about Bank Owned REO Homes for Sale and actually search available bank Owned Homes in Aviara, Carlsbad and other San Diego County Cities click here!

We have put together a fully integrated Real Estate website which will allow you to search all of these properties that we have talked about above, all in one place.   You can search properties throughout the entire San Diego County MLS, save properties, request showings, print fliers, track foreclosures, etc, all for free.   All we ask in return is the opportunitiy to be of service to you or someone you know in helping them find their next home.   Give us a call or visit us here.

We look forward to hearing from you!