Archive for September, 2013

Better Business By Referral | Featured Business

posted on September 27th, 2013 | filed under: Business Referral, Buying Strategies, Del Mar

Working by referral is all about trust. Let’s face it, when we are seeking any service we are all looking for someone we can trust – someone proven who comes highly recommended and is already on our side. Consider me your source of referrals for all types of businesses, real estate related or not. I have partnered with competent professionals who I meet with on a monthly basis and my resources for quality referrals is consistently growing. I am excited to share their expertise with you and hope you have an opportunity to use their services or refer them. You can access a complete list of businesses I refer in my Business Directory. This week’s featured business is:

Ashley SchieberAshley Michelle Designs – Ashley Schieber, Kitchen & Bath Design and Planning

Ashley specializes in kitchen and bathroom design and enjoys sharing her knowledge of creativity and functionality for kitchens, baths and remodeling projects to suit a variety of styles and needs.

About Ashley | Services

P: 760-703-2994


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La Costa Valley Dream Home | Open House, Saturday 9/28, 1:00-4:00 PM

posted on September 16th, 2013 | filed under: Uncategorized

Click for Photos of La Costa Valley Community Amenities

Contact Jeff at 858.883.3324 for more information about this 4 bedroom 4.5 bath home for sale in La Costa Valley.

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Just Listed! La Costa Valley Dream Home | Open House Sat (9/14) 1-4 pm

posted on September 13th, 2013 | filed under: Uncategorized

image001_mlsCarlsbad, CA – THIS IS IT! La Costa Valley Dream home located next to a neighborhood park. Great for entertaining inside or out. Spacious, gourmet kitchen is the focal point of gatherings with center island of granite, stainless steel appliances, maple cabinets. Hardwood floors in the living room adjoins an oversize dining room perfect for holiday festivities.  4 generous bedrooms all with their own private bath. Entry level Bedroom & Bath can be a home office or private entrance area for relatives. Views from every room. Backyard designed for entertaining with sound system, BBQ, fire pit and spa. Perfectly maintained home leads into a cul-de-sac. An easy walk to shops, schools, golf, tennis, pools and gym. Low HOA and just 3 miles to the beach. 

Contact Jeff at 858.883.3324 for more information about this 4 bedroom 4.5 bath home for sale in La Costa Valley.

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Olivenhain Estate Home In Knightsbridge | Open House Sun (9/15) 1-4pm

posted on September 13th, 2013 | filed under: Uncategorized

Olivenhain, CA  – Knightsbridge Estate Home with Views from Countryside to Coast! The elegance begins in the grand foyer entry. Convenient bedroom / bath on 1st floor with own private entrance. Gracious master suite includes stunning dual sided bathroom, large walk-in closets & view deck. Entertainer’s kitchen has all the amenities, Viking appliances & large center island. Pool, spa & outdoor patios are all complimented by the lush landscaping. Located in gated Olivenhain community on 2 acre parcel zoned for horses. | More Info

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Market Update: Jumbo Loans Cheaper Than Conforming Loans

posted on September 12th, 2013 | filed under: Uncategorized

trends at at glance 9.13The Mortgage Bankers Assn. reported the average contract rate for a conforming loan with a 20% down payment was 4.73% last week, compared with 4.71% for a similar jumbo loan.

Jumbos are defined as mortgages over $625,500 in much of California.

The difference was more pronounced in the “hybrid” loans, popular with affluent buyers that have a fixed rate for five, seven or 10 years before becoming adjustable.

Wells Fargo was making 30-year fixed jumbos with no upfront costs to borrowers at 4.75% on Thursday, compared with conforming loans at 5%.

For a loan with a rate fixed for the first 10 years, Wells was writing mortgages at 4.125% for jumbos compared with 4.875% for conforming loans.

The reason for the difference is that Wells Fargo has been keeping low-risk jumbo loans on its books rather than selling them as fodder for mortgage-backed securities.

Big banks are flooded to the gills with deposits that are costing them virtually nothing. Wells Fargo, for example, reported that as of the second quarter this year it was paying an average of 0.14% a year interest on its $1 trillion in deposits.

To read the full report on-line, go to:

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5th Annual Client Appreciation Party

posted on September 6th, 2013 | filed under: Uncategorized

Each year I have the privilege of hosting a celebration in honor of my clients as a big thank you for their business and referrals from friends and family.

This year we tried something new and went bowling – it was a blast!

Thanks to everyone who came out and knocked down some pins with us. For those that were not able to attend, we look forward to seeing you next year.

Click the collage to see more photos. Enjoy!

2013-08-23 13.47.18 Collage

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Jeff DeChamplain