Carmel Valley SHORT SALE INFORMATION Do you owe more on your home than it is worth?   Are you having trouble making your mortgage payments?   Are you already behind on your mortgage payments?   Has your interest rate adjusted to make it unaffordable now?   Do you need to refinance but can't because your house won't appraise for more than your loan amount?   Do you need to sell your house, but owe more than it can be sold for?   Do you think that you may enter into foreclosure on your home?   If you are possibly facing foreclosure, do you know the possible consequences if you have recourse loans?       If you answered YES to any of the above questions, it is likely that you are in danger of foreclosure. You are not alone and THERE ARE SOLUTIONS. Whether your goal is to keep your home or ... 11/08/2011

Click Here To See Carmel Valley Foreclosures For Sale. 10/18/2011

Click Here To See Carmel Valley Luxury Foreclosures For Sale. 10/13/2011

Featured community of Torrey Hills. This is where you want to be! One of San Diego's most desirable communities. Torrey Hills is gated and serene. In Carmel Valley, near Del Mar.Parks, Walking trails, Pools, Gated, great schools, close to the beach, great for families, and professionals. New homes available in our featured community of Torrey Hills. Mostly Traditional sales. Not many Foreclosures or Short Sales so the ones available in this community are in high demand.Homes available in neighborhoods of Manzanita Trail, Trilogy, Costa Del Sol, Coves, Gables, Greenbriar, La Strada, Montecito, Monte Claire,Sands, San Raphael, Sansonnet, Sausilito, Sea Country, Searidge, Shores, St. Augustine, Torrey Point, Torrey View, Torrey Wood Estates, and Vantage Point.from the low $500,000's to the... 10/10/2011

Click Here To See All Carmel Valley Foreclosures On The MLS 09/30/2011

With our "Freedom Office" concept exploding, Realtors(R) working from their home offfice often take their iPad or tablet computer for on-the-go work.  How to access your files when you're away from your main computer? Two great services which offer file uploads / downloads for free are: Dropbox http://www.dropbox.com/ SugarSync http://www.sugarsync.com/ DROPBOX:  free for Windows, Mac, Linux, and Mobile Your files, anywhere - Any file you save to Dropbox also instantly saves to your computers, phones, and the Dropbox website. 2GB of Dropbox for free, with subscriptions up to 100GB available. Your files are always available from the secure Dropbox website. Dropbox works with Windows, Mac, Linux, iPad, iPhone, Android and BlackBerry. Works even when offline. You always have your files, wh... 09/26/2011

Click Here To See All Carmel Valley Foreclosures On The MLS 09/23/2011

San Diego " Housing Hot Spots" North San Diego County Coastal Communities and a few other hot spots in San Diego are enjoying both increases in home prices and in some areas an increase in sales as well. One of these communities is Carmel Valley. When State Highway 56 was developed about 8 years ago giving the inland areas east of Interstate 15 easy access to the coastal areas, the large stretch of land that was previously mostly used for farming was now intersected by the highway and seemed ripe for development. Carmel Valley was one of the largest underdeveloped areas of the county stuck in between  developed coastal areas and the already developed inland areas. With vistas and canyons of views to the ocean in one direction and the mountainous areas of East county in the other, it see... 09/02/2011

Holy Smokes! By popular demand, we have EXACTLY what you want!  Just click here to see all CARMEL VALLEY BANK OWNED HOMES IN SAN DIEGO. There are currently 13 active Carmel Valley Bank Owned Properties you can see here. This link will include Carmel Valley Bank Owned Condos, Carmel Valley Townhomes, Torrey Hills Foreclosures, Torrey Highlands Foreclosures, etc. SEE ALL CARMEL VALLEY BANK OWNED HOMES NOW! ( Really! NO KIDDING!) SEE ALL CARMEL VALLEY HOMES FOR SALE 09/02/2011

Home shoppers and pet lovers are invited to meet their new best friend and tour what could be their next new home at "Pardee's Dog Days of Summer and Pet Adoption Fair". This event will take place at Highlands Village in Carmel Valley tomorrow August 21, 2011, from noon to 4:00PM, and will include free refreshments, a prize drawing for gifts from a local pet store, adoptable dogs, cats and valuable information about pet adoption from a Helen Woodward Animal Center representation and Guardian Angels Animal Rescue. Pardee Homes thinks that new home buyers are also interest in adding a lovable pet to the family when purchasing a home. Helen Woodward Animal Center is a local, non-profit organization dedicated to saving the lives of animals and enriching the lives of people. For more than 30... 08/21/2011

I was showing a young family a beautiful home in Rancho Ponderosa, Carlsbad.  They were asking about good events that are in the neighborhood and I told them about Snores and S'more in Carlsbad.  They loved the idea so I thought it might be worth a blog!  Many of our children will be heading back to school on Monday morning, so what a great way to end the summer!  SNORES AND S'MORES Camp in the comfort of your city's own park. Bring a tent and a sleeping bag and the rest is taken care of. The night includes games, crafts, activities, dinner, popcorn, s'mores and an outdoor movie on the big screen. Wake up to a beautiful sunrise, coffee, a continental breakfast and a hike on one of the many scenic trails on Carlsbad. Contact email specialevents@carlsbadca.gov Phone 760-602-7519     Event... 08/07/2011

As an  active full time San Diego, CA Real Estate Agent, I want to point out how a buy now or later decision effects some but not all.  Many people are moving in to the area, marrying/divorcing/expanding their family, etc and they may need to buy now regardless of what may be happening in the market.  For those that are contemplating but don't have a specific requirement, it's a question of trying to time the market similar to the stock market.  The problem with that is, the general public info lags behind on both up and down swings.  For example, previous market reports I posted, 6 weeks ago have changed.  It was slower than average as was April but Jun & early July have picked up steam again in the San Diego.  Builders have burned off some of the new home inventory that was building ... 07/14/2011

Homes For Sale in Carmel Valley | Carmel Valley Homes For Sale Residents of Carmel Valley love living there because it is the best of suburban life in a Master Planned Community, but only 15 miles from the bright lights and big city of Downtown San Diego. Take a look at all Homes For Sale in Carmel Valley and see what they have to offer. Currently there are 249 Carmel Valley Homes For Sale.  They range in price from as low as $244,000 up to over $10 Million.  View them all from the comfort of your home and then contact our Carmel Valley Homes For Sale agent to schedule an appointment. View All Homes For Sale in Carmel Valley View All Homes For Sale in San Diego   Yalda Alawi - The San Diego Real Estate Lady 858 866 9386 – Office 858 863 3860 – Cell/Text yalda@SDRELady.com www.SanDiegoRe... 07/08/2011

Short Sale Help in Carmel Valley | Carmel Valley Short Sale Help Looking for Short Sale Help in Carmel Valley?  Have questions about the Short Sale Process for homes here in San Diego?  Want full easy to understand answers?  Then request a free copy of our eBook "The Homeowner's Guide to Real Estate Short Sales" today. What to include in your hardship letter.  What other paperwork is required.  How the entire process works.  What to avoid.  All of these topics, and more, are covered in our free Carmel Valley Short Sale Help ebook.  No obligation, just packed with information.   Really stressed about finding answers?  Pick up the phone and call one of our understanding well trained agents.  We will be glad to help!   Yalda Alawi - The San Diego Real Estate Lady 858 866 9386 – Office 858 ... 07/08/2011

Real Estate in Carmel Valley | Carmel Valley Real Estate Real Estate in Carmel Valley is in high demand due to its location and amenities.  Carmel Valley is a neighborhood of San Diego located just east of Del Mar along the 56 freeway corridor.  Only 15 miles from downtown San Diego, this master planned neighborhood has it all. Carmel Valley Real Estate is perfect for families looking for the comforts of suburban life.... Currently there are 248 available Real Estate in Carmel Valley.  The lowest list price is $224,900 and going up to $10 Million.  Search our state of the art easy to navigate website from the comfort of your home for all Carmel Valley Real Estate and then call the San Diego Real Estate Lady to answer any of your questions. Search All San Diego Real Estate Yalda Alawi - ... 07/02/2011

Want to live in PALACIO DEL MAR.... in Carmel Valley? Buyers...... Search All Palacio Del Mar Homes For Sale in Carmel Valley on our Carmel Valley Real Estate Blog Sellers...... See what your home is worth in Carmel Valley... on our Carmel Valley Homes For Sale Blog Palacio Del Mar is a one-of-a kind gated community in Carmel Valley right off the 56 Freeway. Living in Palacio Del Mar is the ultimate lifestyle for Carmel Valley Real Estate.  Palacio Del Mar has it all... Explore All PALACIO DEL MAR HOMES FOR SALE IN CARMEL VALLEY HERE! Search All Carmel Valley Properties in San Diego Here   06/27/2011

Current mortgage rate trends improved slightly today.  The blue line going up means mortgage rates are dropping and the blue line heading down means mortgage rates are increasing. Reason:  Unemployment is at 9.1% and only 54,000 new jobs were added.  Expect to see mortgage rates remain volatile.  If you have more than 1 week to close I suggest you float as rates may improve.  Wall Street chooses to ignore the obvious fact that home prices in some of the nation's worst markets continue to fall, unemployment is still high and most business owners think our politicians are doing a poor job so they are tightening up and don't want to hire.  Wall Street investors with an appetite for high returns are in denial and think these issues are only temporary. All that being said, current mortgage r... 06/03/2011

How we calculate mortgage insurance (MI) on FHA loans to figure out a monthly MI payment.    What exactly is PMI or MI?  You can view PMI a simple explanation for more clarification.   What you will need: A standard calculator A piece of paper/pen A little patience An understanding of MI factor  An understanding of UFMIP Here is the formula -  Loan amount multiplied by to monthly MI factor divided by 12 equals your monthly MI payment. MI factor is the number used to calculate the sum.  FHA rules change but as of now these are the guidelines. If you have a down payment less than 5% then your monthly MI factor is 1.15   If you have 5% or greater down payment your monthly MI factor is 1.10 UFMIP is a one time payment to FHA. It stands for Up Front Mortgage Insurance Premium.  Easy way to t... 05/15/2011

Current mortgage rate trends remained flat today.  With all of the news regarding Osama Bin Laden the markets were mixed.  Initially there was jubilation about destroying Al Qaeda followed by concerns of retaliation.  All in all not much happened in the way of mortgage rates. With the economy showing signs of improving, now is a great time to take advantage of low mortgage rates and low housing prices.  It won't be long when 6% or 7% is average and houses cost 15% more than they do now.  Many will kick themselves for not taking advantage right now.   05/02/2011

Carmel Valley Recreation Center Summer Camp 2011 Program Summer is almost here! And that means that the Summer Camp Program brochure is out. Program registration begins on April 30, 2011 at 9am at the Carmel Valley Rec Center, 3777 Townsgate Drive. Numbers will be given out starting at 7am to reserve a place in line.  This year's Summer Camp Program offers a wide range of activities sure to capture your child's interest. Sports offerings include gymnastics, cheerleading and dance, to tennis, basketball, soccer and volleyball.                                                  For the budding "Mad Scientists" the Summer Camp Program has Crazy Chem-Works, NASA Space Academy, Robots and Reactions, and Mad Science All-Stars.                                 There are a variety of activies for ... 04/20/2011