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1. Staging sells a lifestyle, not four walls and a roof

2. Staged homes appraise higher in most cases

3. Buyers perceive staged homes as being well cared for

4. Staged homes sell for top dollar

5. Staged homes sell faster

6. Photos of staged homes look personalized

7. Staged home photography has a more professional presentation in print advertising

8. Home staging costs less than a first-price reduction

9. Real Estate Agents prefer to show a staged home

10. Staged homes set themselves apart from the competition

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Buying a Property or already own a Property in a Flood Zone? Read some of the new Flood Insurance changes - even in sunny and beautiful San Diego homeowners can take a hit with flood insurance depending on where you live - this may help.

Property owners in flood zones are likely to get relief under a bill recently signed by the President. Under the bill (1) sales will no longer trigger immediate premium increases, and (2) properties that complied with prior flood map requirements will be grandfathered, which would likely mean that insurers may not require elevation certificates at sale to obtain flood insurance.

In response to homeowners around the country experiencing large increases in flood insurance premiums and to the increased costs at sale due to the Biggert-Waters Flood Insurance Reform Act of 2012 (“Biggert-Waters”), both the House (H.R. 3770, The Homeowner Flood Insurance Affordability Act, “Menendez-Grimm”) and Senate (S. 1926) passed bills rolling back some of the Biggert-Waters provisions. Although the Senate bill was broader, the Senate agreed to go along with the House version.

Other provisions of the Menendez-Grimm bill are: It limits yearly premium increases to 15% for nine FEMA property categories, no individual policy increases of more than 18% for most properties built after 1975 and 25% for older properties. It provides refunds of premiums to homebuyers after Biggert-Waters effective date. It provides for an annual $50 surcharge for residential policyholders and a $250 surcharge for businesses and second homes. It strives to reach a goal where most residential policy holders have a premium no greater than 1% of the value of coverage (i.e. $2,000 for a $200,000 policy). And it establishes a Flood Insurance Advocate within FEMA to, among other things, answer current and prospective policyholder questions about the mapping process and flood insurance rates.



Taking a poll ~ Homeowners if you are to interview a Realtor to sell your home what are the TOP three things you look for?



Check out my Broker Kurt's Helicopter Tour of Carmel Valley

My San Diego Real Estate and Investment Team is your local 92130 area expert from the ground up!

Fast Facts

Calif. median home price:November 2013:

    • California: $422,210
    • Calif. highest median home price by region/county November 2013: Marin, $942,070
    • Calif. lowest median home price by region/county November 2013: Del Norte, $135,000

Calif. Pending Home Sales Index:
November 2013: Decreased 13.6 percent from 108.6 in October to 93.8 in November.
Calif. Traditional Housing Affordability Index: Third Quarter 2013: 32 percent (Source: C.A.R.)

Mortgage rates: Week ending 1/2/2014 (Source: Freddie Mac)

    • 30-yr. fixed: 4.53% fees/points: 0.8%
    • 15-yr. fixed: 3.55% fees/points: 0.7%
    • 1-yr. adjustable: 2.56% Fees/points: 0.5%




Thinking of selling in the near future?  Try to avoid these upgrades if you are looking to get more for your money when it comes to remodeling and upgrades. Not sure what upgrades will bring you the biggest bang for your buck?  Ask me!


Check this out for a fun family Holiday outing! And ask how you can get your home on the list NEXT year!

Here’s an annual list of the cheeriest holiday light shows and glittering festivities around San Diego County. Displays range from decorated, private homes and streets, to entire neighborhoods. You’ll also find fun neighborhood events and Christmas traditions unique to our region, like the boat parades, snow days and "Jungle Bells" at the San Diego Zoo. 

Click HERE To read more about holiday lights all over San Diego.