Archive for November, 2013

10 Black Friday Survival Tips

posted on November 22nd, 2013 | filed under: Uncategorized

shoppingWe all know that immediately following the peaceful meal we gather to share with our loved once is the most hectic shopping day of the year – Black Friday.  To help you all transition from festive to frenzied, I have compiled 10 Black Friday Survival Tips below to help you navigate through your shopping spree.

  1. Scour the sales ads in your newspaper. Make note of the ones that interest you, and clip any coupons that the stores offer. Look online at different stores’ websites for more information on their promotions then make a list of various deals that you might want to take advantage of.
  2. Make a list of people that you’re shopping for. Also, list possible gift ideas for each person. Keeping a notebook of your information with you will help you stay focused and finish your shopping more quickly.
  3. Consider shopping online. You would avoid the hectic mob of people trying to buy and it is a lot simpler to buy online during this national shopping frenzy. Many sale items are available online for delivery or pickup. Some stores even offer additional promotions on their website. All you really need is your credit card.
  4. Plan Your Route. If you do not like online shopping and you want to go on an actual shopping spree, think about what the best route is and use it. Plan by which stores open first and be sure to check online to see if the store offers a map of where to locate the deals in their stores so you don’t waste time wandering around trying to find the deals your looking for. Read the rest of this entry »

posted by Jeff DeChamplain // Leave A Comment

3 Reasons Why I’m Grateful To Be Your Real Estate Agent

posted on November 20th, 2013 | filed under: Uncategorized

Beach GratitudeThanksgiving is a time to express gratitude to those who make a difference in our lives, and you’re one of those people to me. Thank you for your continued support of my business; it’s always a pleasure to assist you with your real estate needs. Below are just three reasons why I’m happy to be your trusted real estate advisor.

1. It is a privilege to be your trusted real estate professional. Our relationship is important to me, and I look forward to continuing to develop this bond in the future. You can rely on me to help you with more than your real estate transactions. Let me tap into my network of local service professionals and refer you to a reputable landscaper, roofer, painter or other service provider.  You can access my online business referral directory here.

And, if you or a friend or family member is moving out of the area, I can connect you with a great real estate agent in my network that will provide you with the same high level of service that I do.

2. Sharing my expertise. I enjoy giving you the scoop on the local real estate market. If you’re thinking of putting your home on the market, or are just curious about it’s value, I can provide a market analysis of your property. For a clearer picture of what’s really going on in the market, contact me to learn more about the current trends in our market. Click here for my up-to-date report on today’s market rends.

3. Your support is vital to my business.  It’s an honor to help wonderful people like you navigate our local real estate market. And your referrals to other great people help my business thrive. Click here to read reviews from my clients.

posted by Jeff DeChamplain // Leave A Comment

Giving Thanks – No Shortage of Reasons to Be Thankful This Holiday Season

posted on November 18th, 2013 | filed under: Uncategorized

thankful-quoteAs we kick off the holiday season, it’s that time of year when people gather together and give thanks for all they have. While the hustle and bustle of the season may have you feeling frazzled—especially if your home is on the market—it’s important to take a step back and remember that there’s still plenty to be thankful for.

First off, the economy is recovering. According to the inaugural Home Buyer and Seller Generational Trends report from the National Association of REALTORS®, the economic recovery has brought with it significant improvements in the national housing market. In fact, Millennials and Gen Xers who were waiting to move out of their parents’ homes or leave their roommates are more likely to get off the sidelines and buy a home.

And thanks to the rise of social media and mobile marketing, your home is being seen by more house hunters than ever before. Unlike years past when homes were simply listed on websites, today, real estate agents are promoting your home via Facebook, Twitter, Instagram and even YouTube.

Plus, thanks to technological advancements, the photos of your home are sharper and better than ever before.

Read the rest of this entry »

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Better Business By Referral | Featured Business: Simplified Staging

posted on November 15th, 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:

DeBellSimplified Staging – Laura DeBell

Laura offers home staging and moving assistance services. If you or someone you know needs to prepare a home for sale and need help determining how to do it without spending a lot of money, give Laura a call!

About Simplified Staging | Before & After #1 | Before & After #2

P: 858.750.0360
E: laurajdebell@gmail.com

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Market Update: Obtaining a Mortgage to Get More Difficult

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

New mortgage rules are going into effect January 10.Trends At A Glance - Nov

The new rules were written by the Consumer Financial Protection Bureau to protect homebuyers from risky mortgages like the ones that led so many homeowners into foreclosure in recent years. The rules also protect investors from buying shoddy mortgage-backed investments.

The Ability to Repay Rule requires lenders to evaluate your financial fitness to repay a loan, even if it’s an adjustable-rate mortgage with low payments compared with a fixed-rate loan.

Now, lenders will have to evaluate your ability to pay back a mortgage based on these points:

  • Your income or assets.
  • Your employment.
  • The monthly payment on the mortgage you want.
  • Monthly payments on your other debts.
  • Monthly payments on other mortgage-related costs (home and mortgage insurance and property taxes, for example).
  • Any commitments for child support or alimony.
  • What’s left every month after you’ve paid your debts. In most cases, your total monthly debt payments can’t exceed 43% of your monthly gross income.
  • Your credit history.

See the Full Report

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This Week’s Interest Rates, Mortgage Updates & Real Estate News

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

busy week lies ahead on the economic calendar, in particular it is a busy week for announcements that pertain to the mortgage rates. On Tuesday the Mortgage Bankers Association releases purchase application data for the past week, providing an idea of the current demand for housing.

On Thursday, jobless claims will be released, giving an idea as to the strength of the economy in terms of employment. It recently spiked to the highest levels since April, due in part to the government shutdown, making this indicator useful  in surveying the aftermath and effects of the shutdown. In relation to mortgages, increased jobless claims suggests a slowing economy and decreased purchase activity. MORE INFO

jobless claims

Article Courtesy of Samuel Scott Financial Group

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