Getting a Legitimate Lender and Getting Pre-Approved

getting-pre-approved.jpg

It used to be that buyers could go house shopping and when they have found their dream home, then they go to get pre-approved. However, in today’s market, that has proven to be one of the least effective methods in landing a dream home.

Most lenders can pre-qualify you for a mortgage over the phone. Based on general questions about your income, debt, assets, and credit history, lenders can estimate how much mortgage you qualify for. However, being pre-qualified and pre-approved are different things. Pre-approval means that you have applied for a mortgage; you have filled out the mortgage application, received your credit report, and verified your employment, assets, etc. When you are pre-approved, you know exactly what the maximum loan amount will be.

A pre-qualified letter is not verified and in essence, does not count for much if you are competing with other buyers who are pre-approved. When you are pre-approved, you and the seller know exactly how much house you can afford. It gives you credibility as an interested buyer and lets the seller know immediately that you will qualify for a loan to buy their property. Image result for pre approved

In addition to being pre-approved, it’s important to be pre-approved with a legitimate lender. Legitimate lenders include: banks, mortgage bankers, credit unions, savings and loan associations, mortgage brokers, and online lenders.

Some lenders to avoid: those who lose a form or misplace a file, those who gather information from you in an unorganized manner, those who are not informed about interest rates, points or costs, and those who cannot provide you with the right information.

Advertisements

House 2 Home Success Stories: Montellano Terrace

We have discovered that the best way to sell a San Diego house quickly and for the best price is to turn it into a home.

We have aligned ourselves with the best in the business to do whatever it takes to prepare a house for sale and turn it into a buyer’s dream home. Whether it’s painting, replacing carpet or flooring, landscaping,cosmetic repairs, or staging, we know what to do to prepare your home to shine.

The House 2 Home Program was created as a way to showcase these seller services. Whether you’re currently still living in a home or are selling a vacant property, we will be happy to discuss our plan to prepare your home for the San Diego Market.

We’ll take you inside a few of the homes that have benefited from our House 2 Home Program. Real sellers, real homes, real measurable results. These are their stories:

Montellano Terrace

Montellano h2h1

Previously Listed With 1 Other Broker BEFORE House 2 Home

Days on Market AFTER House 2 Home: 12 Days

What We Did: We painted walls, painted cabinets, installed new flooring, carpet, lighting and counter tops. We then staged the house, and took professional photos.

Montellano h2h3

Montellano h2h4 (1)

House 2 Home Success Stories: Overpark

We have discovered that the best way to sell a San Diego house quickly and for the best price is to turn it into a home.

We have aligned ourselves with the best in the business to do whatever it takes to prepare a house for sale and turn it into a buyer’s dream home. Whether it’s painting, replacing carpet or flooring, landscaping,cosmetic repairs, or staging, we know what to do to prepare your home to shine.

The House 2 Home Program was created as a way to showcase these seller services. Whether you’re currently still living in a home or are selling a vacant property, we will be happy to discuss our plan to prepare your home for the San Diego Market.

We’ll take you inside a few of the homes that have benefited from our House 2 Home Program. Real sellers, real homes, real measurable results. These are their stories:

Overpark

house2home25

Days on Market With Another Broker BEFORE House 2 Home: N/A

Days on Market AFTER House 2 Home: 5 Days

What We Did: We cleaned the carpets, installed a new shower enclosure, painted inside including some cabinets, did outdoor landscaping clean up and spruce up, staged the home, and took professional photos.

house2home26

house2home27

House 2 Home Program Success Stories Part 4

We have discovered that the best way to sell a San Diego house quickly and for the best price is to turn it into a home.

We have aligned ourselves with the best in the business to do whatever it takes to prepare a house for sale and turn it into a buyer’s dream home. Whether it’s painting, replacing carpet or flooring, landscaping,cosmetic repairs, or staging, we know what to do to prepare your home to shine.

The House 2 Home Program was created as a way to showcase these seller services. Whether you’re currently still living in a home or are selling a vacant property, we will be happy to discuss our plan to prepare your home for the San Diego Market.

We’ll take you inside a few of the homes that have benefited from our House 2 Home Program. Real sellers, real homes, real measurable results. These are their stories:

Midway Street

house2home21

Days on Market With Another Broker BEFORE House 2 Home: N/A

Days on Market AFTER House 2 Home: 8 Days

What We Did: We painted the exterior of the home, installed new kitchen cabinets, quartz counter-tops and appliances, painted throughout, and updated master bath counters. We also staged and finished the process with professional photos.

 

house2home22

Algonquin Court

house2home23

Days on Market With Another Broker BEFORE House 2 Home: N/A

Days on Market AFTER House 2 Home: 10 Days

What We Did: We sanded the floors, painted cabinets, did some tile work in the bathroom, staged, and took professional photos.

From the Sellers of Algonquin Ct:

“Coastal Premier Properties was simply wonderful! They brought their considerable experience in the area, and advised us wisely about when to put our home on the market, what changes to make to it in preparation, how to price it, negotiating with buyers, and on and on. Basically they did whatever they could to make the whole process painless. This was especially important because we had a short timeline and we moved out of the country. We got multiple offers within 10 days, and accepted an offer within $19,000 of our asking price.

house2home24

The Pinteresting 5: Poolside Design

Summer is here and we have some fresh inspiration for your poolside setup! Take a look at these beautiful designs that are sure to impress any guest.

All images via our Pinterest

4 Indoor Decorating Moves to Take Outside  - HouseBeautiful.com: Spanish Colonial Revival | Interior Design Los Angeles Interior Design Los Angeles / Santa Barbara / Orange County Brown Design Group: Gives a whole new meaning to 'sitting in the garden': 25 Most Amazing Swimming Pools Ever! | http://www.designrulz.com/design/2013/12/25-most-amazing-swimming-pools-ever/: If you're longing for spring, check out the more than 50 amazing outdoor fireplace designs and outdoor living spaces collected by onekindesign.com.:

 

House 2 Home Success Stories Part 2

Earlier this year, we took you inside 3 real properties belonging to 3 real sellers who achieved spectacular results through our House 2 Home program.

This month, we’ll take you inside a few more of the homes that have benefited from our House 2 Home Program!

We have discovered that the best way to sell a San Diego house quickly and for the best price is to turn it into a home.

We have aligned ourselves with the best in the business to do whatever it takes to prepare a house for sale and turn it into a buyer’s dream home. Whether it’s painting, replacing carpet or flooring, landscaping,cosmetic repairs, or staging, we know what to do to prepare your home to shine.

The House 2 Home Program was created as a way to showcase these seller services. Whether you’re currently still living in a home or are selling a vacant property, we will be happy to discuss our plan to prepare your home for the San Diego Market.

Real sellers, real homes, real measurable results. These are their stories:

Calle Mejillones

house2home2pdf

Days on Market BEFORE House 2 Home: 113

Days on Market AFTER House 2 Home: 14

What We Did: We helped the sellers move their old furniture out as they weren’t living there at the time. Then we replaced the carpet, painted the walls, cabinetry, and handrails, new landscaping, staged, and took professional photos before we listed the home.

From the Sellers of Calle Mejillones:

Surpassed our expectations, not only on service, but on the end result! Here is our story: we were transferred to the SF Bay area last year and had gone with an agent that the relocation company recommended. We were on the market for almost 5 months and were totally frustrated. We found Coastal Premier Properties through their online reviews and they delivered on every aspect from beginning to end. Because our home was fairly original they suggested their House to Home program to create “emotion” from buyers to get us the price we hoped for. We needed to get a price that was $100,000 more than our neighbor who had just closed with 100 sq. ft. more. This was no easy feat, but to make a long story short, we got a full price offer with appraisal contingency removed and a very smooth closing in a very short time. We give full credit to Coastal Premier Properties who were there to negotiate it all for us and we know it was their experience and know how that got us what we never thought possible. We can’t say enough about Coastal Premier Properties, their incredible support staff, and the experience we had. They are truly the best!!

house2home10pdf

Marker

house2home16

Days on Market BEFORE House 2 Home: N/A

Days on Market AFTER House 2 Home: 3

What We Did: De-cluttered the home, staged with more on-trend pieces, and took professional photographs.

From the Sellers of Marker:

Last year we listed our home for sale with another agent and spent 6 months on the market with no luck. We re-listed this year with Coastal Premier Properties and within 3 days we had 2 offers! Need I say more?! They helped get our home ready to sell. They brought in the necessary contractors and help stage the home to look just perfect. In fact, it looked so good, we almost didn’t want to sell it. The whole process of selling a home isn’t easy. But Coastal Premier Properties helps put you at ease. They are incredibility kind and easy to work with and makes you feel as if you are their most important client. In addition to that, they have a vast knowledge and expertise of the real estate market in San Diego. This combination is what makes them a pro. So thankful to have found Coastal Premier Properties to work with over the past month. My husband and I are going to miss seeing them. They feel like family now!”

house2home15

 

Recently Sold: July 2013

This is a selection of some of the fabulous properties we’ve sold and/or helped our clients buy in July!!

Juan Street

From the MLS

“Located in the Private Drive at the top of Juan Street, this mid century Spanish is an absolute beauty with spectacular panoramic bay & ocean views spanning from La Jolla to Point Loma. Upon entering the home you are welcomed by a lovely formal entry framed by an elegant half spiral staircase. The dining room featured a wood beam ceiling and an eye-catching fireplace. The family room leads out to a private courtyard with an outdoor fireplace, absolutely perfect for entertaining. Pending for $1,649,000.”

Screen Shot 2013-07-29 at 9.57.57 AM

Canyon View Drive

From the MLS:

“Beautiful spacious family home w/welcoming curb appeal! 4 bedrooms w/one bedroom & full bath down for guests, in-laws, or nanny & an optional bedroom currently used as office/den. Large spacious master upstairs, 2 additional bedrooms and a loft. Designer paint throughout adds charm and warmth. Vaulted ceilings & loads of windows to welcome in the sunshine. Fabulous kitchen for entertaining, with abundant cherrywood cabinets, granite counters, recessed lighting and breakfast bar. Lush landscaped yard w firepit. Pending for $524,900.”

CV1

Gaylemont Lane

From the MLS:

“Lovely Belmont located in highly sought-after community of Carmel Country Highlands of Carmel Valley. Features include 4 bedrooms (one of main level) plus loft, 3 full baths, beautiful wood floors in most living areas, lots of natural light, spacious kitchen w/center island and pantry open to family room, extra insulation package and 3 car tandem garage. Wonderful outdoor entertainment area w/pool/spa, built-in BBQ area & lots of privacy with no neighbors behind. Pending for $949,000-1,049,000.”

Pool2

Freedom Way

From the MLS:

“Located in the quiet gated community of Heritage with coveted Shadowridge, this beautiful home is move in ready! Enjoy the perfect coastal San Diego weather w/the largest back yard in the development. The spacious interior features soaring vaulted ceilings and an open floor plan. The cooks kitchen boasts granite counters and a designer glass tile backsplash. The family friendly community offers a pet friendly dog park, duck pond, walking trails nearby and & top-rated elementary school to boot! Pending for $429,900-459,900.”

Screen Shot 2013-08-09 at 10.41.55 AM

Steeple Chase Row

From the MLS:

“For those looking for the hard to find single story w/spacious room look no further. Features include 2brms plus den/office, turn-key condition, stunning designer finishes inside & out with almost everything redone. Interior includes neutral tones w/beautiful light fixtures, built-ins, crown moldings, wood beamed ceilings, custom window coverings & more. Outside enjoy lush garden setting & plenty of room to entertain. All this situated in the gated community of Stratford. Pending for $998,000.”

Steeple Chase 3

Moreton Glen

From the MLS:

“Fabulous Santa Barbara Plan 2 Priced for Quick Sale! Wonderful upgrades to include travertine, granite, custom lighting, new paint, 5 bedrooms with bedroom/bath downstairs, bonus room, combined kitchen/family room, formal living and dining rooms, french doors, ceiling fans and 3 car garage. All this and the best schools too! Pending for $1,100,000-1,195,000.”

DiningRoom

Landfair Court

From the MLS:

“Rare offering! Gorgeous single story home situated on a huge 10,267 sq ft cul-de-sac lot with panoramic southerly views and complete privacy! Beautiful hardwood flooring, plantation shutters, granite counter tops, newer vinyl windows and roof. Incredible garden w/specimen palms, mature fruit trees and lush tropical plantings. Beautifully maintained! Walking distance to Solana Highlands Elem. and DM Highlands Shopping. Highly sought after neighborhood. No Mello Roos! Third BR expanded and used as den. Pending for $949,000.”

landfair_ExteriorFront4

Additionally, Coastal Premier Properties represented the buyer on these other great properties

Corte Cisco

From the MLS:

“This is the very best that Meadowridge has to offer. You have to see it to believe how beautiful it looks and nothing was left to the imagination. Large bedrooms lend itself to family living along with the beautiful pools and tennis courts…no maintenance here. Just bring your things and you are ready to enjoy the ocean breezes. Sold for $475,000.”

Screen Shot 2013-08-09 at 10.28.01 AM

Cobb Place

From the MLS:

“Single story North Clairemont Home on Large Canyon Lot. Situated at the head of a Cul-de-sac. Ready to sell. Enjoy the Canyon View. Great location! Notice the Inviting Court Yard with Double Doors that gives this Home Much Appeal. No Garage BUT Has a Huge Bonus Room and Plenty of On-Site Parking. New Wood Floors in Living Room and Bedrooms. Wood Laminate in Bonus Rooms. All Freshly Painted. Clean and Ready for New Owners. Sold for $575,000”.

Screen Shot 2013-08-09 at 10.31.21 AM

Windswept Terrace

From the MLS:

“One level view sites retreat!! 10,000 square foot lot!! Private cul-de-sac location!! No neighbors behind or in front!! No mello roos!! Freshly painted!! Unique sun room patio!! Sold for $930,000. ”

Screen Shot 2013-08-09 at 12.28.31 PM

Village Ridge

From the MLS:

“4 BR+ Master Retreat! Wonderful location with no one directly behind. Desirable downstairs bed/bath. Private backyard features sparking pool w/waterfall. Laminated wood floor throughout including stairs (except 2 bedrooms upstairs carpet). Recently painted exterior. Clean and ready! Sold for $710,000.”

Screen Shot 2013-08-12 at 3.57.06 PM