Model Perfect Vistamar Gem

7367 Seafarer Way, Carlsbad, CA 92011
	$739,000 MLS #: 100047460 Year Built: 2000 Bedrooms: 3 Bathrooms: 2 Square Feet: 2,152 Status: Active Biggest Lot in Vistamar w/ Detached Casita! This property has its own “Driveway”, Hardwood floors & Stairs,Plantation Shutters,Built-ins in Family room & Loft area, fans in every bedroom, extended Trex Deck, Spiral Staircase to the Master Deck, Waterfall, Lush Tropical Landscaping, Large kitchen, Surrond Sound, Versaille tile, Crown Molding, Recessed Lighting, Gas Fire Pit, Auto Sprinklers,Professionally landscaped lighting & much more.
Tools Contact Agent Mortgage Calculator Printer Friendly Version of This Page Email This Listing to a Friend Neighborhood Links View a map of the area School Profile Neighborhood Profile	Listed by Lisa Wexhler Phone: 760 753-1181 Mobile: 760 271-2228 Fax: 888 882-7099 Homepage: http://www.yoursandiegorealestateagent.com

Only 11 Days on the MLS! Another listing in Escrow

2633 Paradise Rd, Carlsbad, CA 92011 – IN ESCROW! $649,000 MLS #: 100032687 Year Built: 2000 Bedrooms: 4 Bathrooms: 3 Square Feet: 2400 Status: PENDING Charmingly nestled within the highly sought-after community of Bressi Ranch. This 3 Bed, 2.5 Bath, model-perfect masterpiece sits on a quiet street, but is convenient to relax at Peets Coffee and shop at Trader Joe’s, which are just around the corner. A turret style main entry foyer is dressed in custom tile. As you enter, bask in the light and bright open floor plan, enjoy the many windows graced with plantation shutters. Listed by Lisa WexhlerPhone: 760 753-1181Mobile: 760 271-2228Fax: 888 882-7099 Homepage: http://www.yoursandiegorealestateagent.com< ToolsContact AgentMortgage CalculatorPrinter Friendly Version of This PageEmail This Listing to a Friend Neighborhood Links View a map of the area School Profile Neighborhood Profile Information provided by seller/other sources, not verified by broker. All interested persons should independently verify accuracy of all information. Information deemed reliable but not guaranteed. Information provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Ocean Views doesn’t begin to describe this home

Real Ocean Views Listed by Lisa Wexhler   Ocean views from large dining room Price: $1,950,000 Address: 7151 Babilonia St City: Carlsbad State: CA Zip: 92009 Neighborhood: La Costa Estates Beds: 4 Baths: 4 Floors: 1 Year Built: 1980 mls: 100034307 Status: Active Square Feet: 3,105 Garage Size: 3 HOA Fees, Mello-Roos, Estimated: 0 Full Description: Where do you find Sweeping Ocean and Lagoon Views nestled on a private over 3/4 acre lot? This Classic Mediterranean home is loaded with upgrades and features magnificent ocean views from several rooms. This custom 3 bedroom home plus an office/den or 4th bedroom includes four full baths and one half bath and sits atop La Costa Estates with no Homeowners or Mello Roos fees. The courtyard with a built-in fire pit is one focal point that must not be missed. From the minute you open the front door, the ocean and lagoon views beckon. Enter the foyer to find a custom stain glass window. Step down to the oversized family room with its light and bright open floor plan and high open beam ceilings with its central built-in bar for entertaining. The river-rock fireplace and hearth is very inviting where your flat screen TV is centered. A gourmet kitchen with even more ocean and lagoon views will meet all of your culinary desires with upgraded white cabinets and granite counters and oversized backsplashes and hardwood flooring. The oversized dining room with vast ocean views is perfect for all of those special holidays or just everyday entertaining. Walk up a few steps to the Master Suite with his/her sinks, two large walk-in closets, beauty counter and large shower. Enjoy soaking in your large tub while enjoying the serenity of the ocean. Adjacent to the master suite is the utility room with a built-in sink, lots of cabinets and countertop space. The two large bedrooms each have their own bathroom. A large deck connects the den, family room and dining rooms. This home would not be complete without your own sandbox, cabana with it’s own shower and water closet and a large custom pool and spa. The professionally mature landscaped grounds provide areas to enjoy a glass of lemonade or a cozy niche to read your favorite novel. If you can’t seem to fit all of your belongings into this 3105 square foot custom home, a detached 3 car garage is also included. Don’t miss your chance to own a piece of the California dream. Home Features Air Conditioning Alarm Cable/Satellite TV Dishwasher Disposal Fireplace Gas Range Microwave Patio/Deck Washer/Dryer   Tools Contact Agent Mortgage Calculator Printer Friendly Version of This Page Email This Listing to a Friend Neighborhood Links View a map of the area School Profile Neighborhood Profile Listed byLisa Wexhler Phone: 760 753-1181 Mobile: 760 271-2228 Fax: 888 882-7099 Homepage: http://www.yoursandiegorealestateagent.com

	6949 El Camino Real, Suite 102 Carlsbad, CA 92009	Mobile: (760) 271-2228 Office: (760) 753-1181 Fax: (760) 436-5229
©2010 Lisa Wexhler DRE # 01332722

Choice Living, Choice Home

Price: $649,000 Address: 2633 Paradise Rd City: Carlsbad State: CA Zip: 92011 Neighborhood: Bressi Ranch Beds: 4 Baths: 3 Floors: 2 Year Built: 2000 mls: 100032687 Status: Active Square Feet: 2,400 Garage Size: 2 Full Description: Charmingly nestled within the highly sought-after community of Bressi Ranch. This 3 Bed, 2.5 Bath, model-perfect masterpiece sits on a quiet street, but is convenient to relax at Peets Coffee and shop at Trader Joe’s, which are just around the corner. A turret style main entry foyer is dressed in custom tile. As you enter, bask in the light and bright open floor plan, enjoy the many windows graced with plantation shutters. The combination living/dining room includes hardwood flooring and even more windows. As you move into the family room, the great find is the large custom fireplace with its’ mantle and stone hearth along side a niche for a built-in entertainment center. In the midst of this great room, French doors open to the professionally landscaped and private back yard. The Gourmet Kitchen includes upgraded granite counter tops, raised panel wood cabinetry, stainless-steel appliances and built-in desk. Recessed lighting embellishes this home, inviting you to use your own lamps as accents. The first floor office is large and can double as a guest bedroom. The gracious Master Suite has plenty of windows and features. The Master Bath contains his/hers vanity sinks, a Jacuzzi soaking tub and separate closets. The large central shower is a feature that must not be missed. The second and third bedrooms make for great guest rooms kid’s rooms or offices. Bressi Ranch is known for its community pool and entertainment areas full of family and friends. Minutes to great schools, shopping, the beach and more. This property has it all! Home Features Air Conditioning Balcony Cable/Satellite TV Carpeted Floors Dishwasher Disposal Fireplace Gas Range Hardwood Floors Microwave Patio/Deck Washer/Dryer Community Features Clubhouse Fitness Center Pool Public Transportation Spa/Jacuzzi Tools Contact Agent Mortgage Calculator Printer Friendly Version of This Page Email This Listing to a Friend Neighborhood Links View a map of the area School Profile Neighborhood Profile Listed byLisa WexhlerPhone: 760 753-1181Mobile: 760 271-2228 Fax: 888 882-7099 Homepage: http://www.yoursandiegorealestateagent.com

HAFA- What is everyone talking about? Your Graceful Exit!

 

Last week I discussed the Trial Period for a Loan Modification. This week’s blog will focus on the brand new HAFA Program released by the US treasury department on April 5, 2010.There may be some changes made to the program in the coming months. With any new program, there will be tweaks until the program can create accountable results.

The HAFA program is short for the Home Affordable Foreclosure Alternative. This program offers brand new tools for struggling homeowners. When home buyers are not able to qualify for the HAMP or other modifications, the government created a new program to assist these borrowers in selling their homes. This program is of great benefit to all parties but most especially the real estate market which drives our overall economy. This program is set to expire December 31, 2012.

Qualifications for HAFA:

1. You must have been considered for other foreclosure prevention options. This includes: Loan Modication, deed in Lieu, forebearance etc.

2. Meet HAMP eligibility (see my April 24, 2010 blog)

3. Be either current or delinquent on your mortgage or in eminent default (its gonna happen)

 One reason the lender wants you to have been considered or even denied for HAMP to qualify for HAFA is because the HAMP documentation is used to create your HAFA file. Also the lender does not have to delay his response for HAFA eligibility because the information is available to him immediately. What a concept! The HAFA client is a person who’s primary option is foreclosure.

These are the HAFA Guidelines and Incentives:

1. Incentives are at the forefront of this program:

a. $3000.00 assistance for a borrowers relocation costs

b. $1500.00 lender payment to cover administrative and processing costs

c. $2000.00 investor incentive who allow a total of up to $6000.00 in short sale proceeds to be distributed to the junior lien holder (second lien holder).

2. Lenders must comply with HAMP guidelines. Note: Not all lenders are HAFA eligible.

3. Borrowers can receive pre-approval short sale terms before listing the property.

4. Borrowers are RELEASED from FUTURE LIABILITY for the mortgage debt. No cash contribution, promissory note or deficiency judgement is allowed.

5. Most junior lien holders delay the processing of a short sale due to the lack of promised funds. Under HAFA the junior lien holder can expect 6% of the purchase price or $6000.00 almost twice what most are getting currently.

If you or someone you know is in eminent default Help them help themselves by contacting me. I can guide them through the process. You can talk to the many people I have helped put their lives and homes back on track. Be proactive and find an advocate who can be your voice in this process.

See this video, brought to you by: makinghomeaffordable.gov

http://www.youtube.com/makinghomeaffordable#p/u/0/XbPaLHFHL7A

 

 

 

 

 

 

 

 

 

 

 

 

Home Modification Program: The Trial Period, What’s That all about?

Last week I talked about the loan modification program and the parameters for eligibility, this week I’m going to elaborate on the Trial period a loan modification borrower goes through before the modification becomes permanent.

The Home Affordable Modification Program requires every borrower to enter a Trial Period before they are eligible for a permanent modified loan.

Certain documentation must be submitted to the lender during this period. This includes copies of monthly agreed upon payments and lender required documents and forms. Your lender will supply you with the forms he/she requires.

The Trial Period is usually 90 days but could be more or less depending on the lender. Some advise my lender shares with my clients is don’t wait until your trial period expiration date to submit your documents, by then it’s too late. Your Trial Period Plan notice will have an expiration date on it. Double check your Request a Modification page and be sure to give your lender any missing documents as soon as you can.

If you’re not sure if your lender has all of your documents call the lender. For any additional help or if your lender is not responding to your myriad of calls, call the HUD-approved counselor at 1-888-995-4673. Be sure to ask for MHA HELP! Video, What you need to do to obtain a permanent Modification

For more information on this or any other real estate needs contact:
Lisa Wexhler, Realtor
License # 01332722
Sea Coast Exclusive Properties
(760) 753-1181

Price Reduced! 6499 Bluegrass

6449 Bluegrass – Reduced! Listed by Lisa Wexhler

Images

Address: 6449 Bluegrass Ln Price: $499,000 City: Carlsbad State: CA Zip: 92011 Beds: 3 Baths: 2 half baths: 1 Year Built: 2000 mls: 100020287 Status: Active Square Feet: 1,720 Full Description: Model Perfect! Brand new carpet and paint. Manicured backyard landscaping. Front landscaping maintained by association. LOW HOA and Mello Roos. Private & Gated with community pool and spa. Wood and Ceramic tile flooring, Master Retreat is large with a walk in closet. A very light and bright open floor plan. The kitchen is a chef’s delight with a center island work station. Home Features Alarm Cable/Satellite TV Dishwasher Disposal Gas Range Microwave Washer/Dryer Community Features Association Fee Clubhouse Fitness Center Pool Tools Contact Agent Mortgage Calculator Printer Friendly Version of This Page Email This Listing to a Friend Neighborhood Links View a map of the area School Profile Neighborhood Profile Listed byLisa Wexhler Phone: 760 753-1181 Fax: 888 882-7099 Homepage: http://www.yoursandiegorealestateagent.com

Can I get a Loan Modification?

The best way to answer this question is to tell a story: Amy has a home loan that she can no longer afford. Her income has been reduced by 20%. She is an elementary school teacher. She lives in the same home she grew up in and doesn’t want to short sale it or let it go to foreclosure. What are her options?

HAMP, HAFA, FORECLOSURE, BANKRUPTCY, WALK AWAY……….. WHAT?

I will talk about HAMP in this blog.

HAMP: Home Affordable Modification Program: What is it? How can it help me?

Stats: Over 1.3 Million homeowners have submitted their applications. Problem: Only 168,000 loans have been permanantly modified.

Who is eligible? Only loans owned or guaranteed my Fannie Mae and Freddie Mac are currently eligible. If you don’t know who your service provider is on your loan call Freddie at 1800FREDDIE or Fannie at 18007FANNIE. You can also go to the Homeowners Help Hotline at 888-995-4673 to get some help or contact your real estate professional.

There are 5 questions asked by the service provider (bank, lender etc.) to determine if you’re eligible for HAMP.

1. Is your home your Primary Residence?

2. Is the amount you owe less than $729,750.00

3. Are you having trouble making your payments due to a financial hardship, loss of job, reduced income, etc.

4. Did you get your current mortgage before January 1, 2009?

5. Is the payment of your first mortgage (including Principal, Interest, Taxes and Insurance, HOA dues etc. more than 31% of your total income?

If you’ve answered yes to the questions above you can move onto the next step which is filling out forms for your lender. These forms are very specific to the lender but can be obtained from the MakingHomeAffordable. Gov website.

Once you fill out these forms you must gather your proof of income. After you’ve gathered all the documents, set up a meeting with your lender. Do not go or even attempt to call your lender before you’ve prepared your case.

Have a real estate ADVOCATE on your side. Be sure to consult with your tax professional and in some cases an attorney if your situation requires it.

Like anything, the loan modification request is a process. If it’s determined you’re not eligible for this program you do have options.

In my next Blog I will discuss the the trial period of a loan modification, HAFA and more. Stay tuned……..

Lisa Wexhler, License # 01332722

www.YourSanDiegoRealEstateAgent.com

LWexhler@gmail.com

(760) 753-1181

Sea Coast Exclusive Properties, La Costa, California

Source: Makinghomeaffordable.gov