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Gracious Living in North County San Diego

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New National Flood Insurance Program Extension Authorized in July 2012

July 27, 2012 by Jeff Dowler

There is some excellent news for potential homeowners who would need to purchase FLOOD INSURANCE required by their mortgage company in many communities throughout the US. This new bill, the… Read more »

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Filed under: For Buyers, For Sellers, Legal

Tags: Buyers, financial, first time buyers, flood insurance, mortgages

Realestate-ese – EMD (Earnest Money Deposit)

July 27, 2012 by Jeff Dowler

EMD, or EARNEST MONEY DEPOSIT, is an important part of the offer process. You will often hear this called simply a DEPOSIT or EARNEST MONEY but you will see EMD… Read more »

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Filed under: For Buyers, For Sellers

Tags: Buyers, deposit, Earnest Money Deposit, first time buyers, proof of funds

Day 65 – Attend the Del Mar Races and Bet on the Ponies

July 27, 2012 by Jeff Dowler

The DEL MAR RACES have been famous for years and are a MUST DO for many here in Southern California, and from elsewhere around the country. Whether you attend OPENING… Read more »

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Filed under: 365 Things, Del Mar, Things To Do, Tourist Stuff

Tags: 365 Things to do, Del Mar, summer fun

Realestate-ese: POF (Proof of Funds)

July 25, 2012 by Jeff Dowler

POF stands for PROOF OF FUNDS. Providing Proof of Funds is essential in a real estate transaction, especially for foreclosures and short sales where this will be demand up front… Read more »

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Filed under: Financial, For Buyers, For Sellers

Tags: offers, pof, proof of funds

Realestate-ese – A Series for Buyers and Sellers

July 25, 2012 by Jeff Dowler

Having worked in a couple of different industries I have come to realize that the lingo used in a particular field can be confusing. This is especially true in REAL… Read more »

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Filed under: For Buyers, For Sellers

Tags: Buyers, first time buyers, real estate lingo, Sellers

Using Electronic Signatures with Docusign – A Tutorial

July 17, 2012 by Jeff Dowler

I am using ELECTRONIC SIGNATURES (on DOCUSIGN) most of the time (except for REOs and short sales where they are typically not accepted by the banks) since it makes life… Read more »

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Filed under: For Buyers, For Sellers

Tags: Docusign, electronic signatures, technology

Repair Requirements for FHA Loans

July 16, 2012 by Jeff Dowler

If you are considering using an FHA loan to purchase your new home, or are already qualified, it’s important as a CARLSBAD BUYER to understand that there may be certain… Read more »

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Filed under: For Buyers

Tags: Buyers, FHA loans, mortgages, repairs requests

When You Snooze You May Lose in Today’s Housing Market

July 10, 2012 by Jeff Dowler

This seems to be becoming more and more true in this increasingly competitive real estate market in our area, and around the country. I shared my thoughts on this issue… Read more »

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Filed under: Financial, For Buyers

Tags: bidding wars, Buyers, first time buyers, housing market in San Diego, making offers

Driving on the Southern California Freeways – Things to Know

June 25, 2012 by Jeff Dowler

If you are relocating here there are some things to know about our major roads, in addition to the fact that we call them FREEWAYS, not HIGHWAYS as we did… Read more »

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Filed under: Relocation, Tourist Stuff

Tags: driving, freeways, relocation

8 Tips for Your Relocation (Part 3 of a 3-Part Series)

June 12, 2012 by Jeff Dowler

In this last article in the series on RELOCATION TIPS we talk about 3 important issues – (1) flexibility; (2) financial issues; and (3) lifestyle changes Read the full article… Read more »

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Filed under: Financial, For Buyers, Relocation

Tags: Buyers, relocation

8 Tips for Your Relocation (Part 2 of a 3-Part Series)

June 2, 2012 by Jeff Dowler

In Part 2 of this series of RELOCATION TIPS for your move to Carlsbad or elsewhere in Southern California, we talk about (1) the disadvantage of being at a distance,… Read more »

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Filed under: For Buyers, For Sellers, Relocation

Tags: Buyers, Carlsbad, Carlsbad homes for sale, first time buyers, relocation

The Cannon Art Gallery in Carlsbad – The Exquisite Garden

May 31, 2012 by Jeff Dowler

The current exhibit at the CANNON ART GALLERY in Carlsbad in an amazing creation, filling the gallery from wall to wall and to the ceiling with found and recycled objects… Read more »

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Filed under: 365 Things, Art, Carlsbad

Tags: 365 Things to Do in Carlsbad, art, carlsbad arts

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A Tour of the San Elijo Lagoon and Visitors Center in Cardiff

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