Fallbrook offers amazing values, tucked away in some of the most breathtaking locations, including hilltops, lakefronts and golf resorts! Take a look at these gems:

Resort Living: Two bedroom condo with granite countertops, tile flooring, community pool and spa, tennis and golf. Priced under $190k. Click here to View.

Just listed: Three bedroom, four bath hilltop home, just under 4000 square feet, only four years old, with panoramic views. Under $700k. Click here to View.

Bank Owned: Three bedroom, three bath, lake view home, built in 2000. $299K. Click here to View.

Six bedroom hilltop home on three acres, just under 6000 square feet, only four years old. You won’t believe you can buy this “million-dollar” property at this kind of price. Click here to View.

Still not your cup of tea? Click here to search more Fallbrook Foreclosures.

Looking for a different type of home in Fallbrook, Carlsbad, Encinitas, or Leucadia?

Check with our area specialist,

Bonnie Maffei

760-730-2191

bonniemaffei@homereach.com

“Channel 6 San Diego and HomeReach.com Launch Interactive Real Estate Portal”

Though the terms may sound similar they are in turn, very different. When a customer is prepared to buy a home they sometimes contact a lender about getting qualified to buy. Typically, the loan officer will pre-qualify the customer. Getting prequalified is simply giving your loan officer your financial picture either in person or over the phone. This includes your income, overall debts, and total assets. Then they come up with a loan amount you can qualify for. The key word there is “can”. The loan amount “can” change based on pre-approval. The pre-approval process is not only getting your financial information, but proving it with documentation and pulling a credit report to check creditworthiness. An underwriter has to take a look at all your documentation and credit reports and analyze it to decide if he or she will give the customer a yay or nay on the prequalified loan amount. Once pre-approved up to a certain loan amount, the customer can now shop comfortably knowing if they find a house within the price range, the deal can be done. If a customer shops for a house when they have only been pre-qualified, they can certainly be wasting their time looking at homes that are out of their reach in the first place. Then hearts are broken because you found the one house that is perfect for you…. BUT it’s priced too high. Lastly, having a pre-approved loan gives the buyer more leverage when putting in an offer. If a seller receives more than one offer and your offer is the only one with a pre-approved loan, then your offer is more likely to be accepted over another. No seller wants to wait for a buyer to be approved for a loan and then have it fall apart in the end. It is again a waste of time. So, remember, if you are serious about purchasing a home, getting pre-approved first is the way to go. It’s a great time to buy right now while interest rates are still very low and tax credits are still in place. Time is of the essence!

I look forward to being of service to you!

Lisa Morgan

(619) 410-7002

LisaMorgan@Homereach.com

AGENTS OF CHANGE™

HomeReach.com is a full service real estate agency based in San Diego, CA. The difference? We share 33% of our commission with our clients. It’s what we call “Sharing is Caring”.

HomeReach.com is Hiring!

Finding someone their dream home is very rewarding, and giving back is a great way to ensure long term relationships and referrals.

Our website drives leads right to us, and we send them your way. There are no monthly fees. Call to schedule a confidential interview.

Are you an “Agent of Change”? If so, we want to meet you.

-HomeReach.com

(619) 869-7800

With a fresh and hopeful New Year spread out before us, let’s take one last brief look back over our shoulders. Here’s a peek at the December 2009 coastal homes market in Encinitas, Solana Beach and Carlsbad:

The average List Price, out of 370 “Active” listings, was $1,445,000, whereas the highest List Price was $17,000,000! The average List Price of homes in “Contingent” status was $625,500. Reviewing the 60 “Pending” sales, $853,000 was the average List Price. Of the seven homes “Sold” in December, the average List Price was $540,000, and highest List Price was $875,000! Sale prices of “Sold” homes ranged from about $435,000 up to $775,000. That was just December!

Ring in the New!

Hot Encinitas Foreclosure: A four bedroom, two baths home with 1800+ square feet is offered at $525,000. Click here to view.

New Carlsbad Listing: Bank Owned two bedroom, two bath condo, built in 2001, with views of lagoon, $419,000. Click here to view.

Solana Beach Foreclosed Beauty: Spacious five bedroom home near golf course and beaches, $849,000. Click here to view.

More Information on  Encinitas Foreclosures.

Contact your Specialized HomeReach.com Agent,

Bonnie Maffei

760-730-2191