Gary Harmon Moves to Real Living Lifestyles

After 21 years of  selling  San Diego North County homes, Gary Harmon has moved to Real Living Lifestyles.   WHY?  See below.

I have moved to bring a better experience to my clients.  Somtimes working in a more intimate atmosphere (but not small, since Real Living has over 10,000 agents) allows you to provide clients with a more personal solution to their needs. 

The first step of this journey started in January 2011 when I joined the powerful Hadley Home Team.  The synergy created with this team has been great, resulting in the team being ranked 4th in number of units sold for Prudential California Realty in the first quarter of 2011.  When the team decided to move to the high energy company of Real Living Lifestyles, that seemed to be a perfect fit.

The leadership and the agents in Real Living Lifestyles are not new to me.   Real Living Lifestyles, formerly Windermere Exclusive Properties, is led by partner and president, Steve Rodgers.  Steve was one of my first managers at Prudential California Realty and had a lot of influence on my career.  I was privileged to watch Steve grow from a Prudential manager to president of Prudential California Realty.  Much of Prudential’s growth was the result of his leadership.  I am sure he will do the same for Real Living Lifestyles.  Many of the agents at Real Living Lifestyles are also my good friends and fellow agents I have worked with in the past.

I will be working out of the newly remodeled “Carlsbad Village Faire” office, located in the heart of Carlsbad, only a block from the beach.  The manager of that office is Diane Hogencamp.  I had the pleasure of being her assistant manager at Prudential Escondido and Prudential San Marcos.  Steve Rodgers, Diane Hogencamp, Sandi Hadley, and many others of our team have been together many years.

So, in summary, the move to Real Living Lifestyles is more like “coming home” than moving.

If you would like to work with a great team and company, contact Gary Harmon, Real Living Lifestyles.

Gary can be reached at or by texting or calling 760-745-1220.

Real Living Lifestyles is part of Real Living Real Estate and Brookfield Residential Property Services.

Are San Diego North County Home Prices Going Up or Down?

The following price trends of San Diego North County homes for sale are brought to you by Altos Research.    This information is accurate and up to date as of the last week in May 2011.  See current median prices of San Diego North County homes and market trends by community.

Carlsbad homes for sale

The median list price for CARLSBAD homes for sale this week in July is $722,250. Carlsbad home sales have been exceeding new inventory for several weeks.  However because of excess inventory, prices have not yet stopped falling.

Oceanside homes for sale

 The median list price of OCEANSIDE homes for sale this week in July is $351,450.  Oceanside home sales have been exceeding new inventory for several weeks.  Since this is a Buyer’s market prices are not yet moving higher as excess Oceanside home inventory is consumed.

Vista CA homes for sale

 The median list price in VISTA, CA this week is $339,000. Vista CA Home sales have been exceeding new inventory for several weeks.  Since this is a Buyer’s market prices are not yet moving higher as excess inventory is consumed. 

Escondido homes for sale

 The median list price ofn ESCONDIDO homes for sale this week is $359,000. The market has shown some evidence of slowing recently. Both prices and Escondido homes inventory levels are relatively unchanged in recent weeks.

San Marcos CA homes for sale

 The median list price of SAN MARCOS CA homes for sale this week in July is $430,000.  The market has shown some evidence of slowing recently. 

Encinitas homes for sale

 The median list price of Encinitas homes this week in July is $957,500. Encinitas home sales have been exceeding new inventory for several weeks.  Since this is a Buyer’s market prices are not yet moving higher as excess Encinitas homes inventory is consumed.

To see great San Diego North County homes in any of these market areas, contact Gary Harmon, your North County Realtor.

[idx-listings city=”Rancho Santa Fe” propertytypes=”335″ orderby=”DateAdded” orderdir=”DESC” count=”25″ showlargerphotos=”true”]

San Diego Homes – Hot and Cold Zip Codes

San Diego County – Single Family Detached Homes

In San Diego County detached homes priced under $1 million, prices have risen 20% for the past two years ending April 2011, with little negative impact on sales volume. Detached homes are in a white-hot seller’s market under $900K, but once prices go higher, sales volume starts to cool. Sellers should note that buyers, despite the competition, remain price-sensitive. Half of San Diego zip codes reported gains in both price and transaction volume in the February-April 2011 quarter.

With over 3,400 sales associates in 58 offices across Southern California and the Central Coast, Prudential California Realty is the name to trust when buying or selling a San Diego North County home. Prudential agents like Gary Harmon close more than $12 billion in sales volume and well over 16,000 transactions each year. We also provide every aspect of domestic and international relocation to corporations around the world. As one of the top five brokerages in the nation and the largest affiliate in the Prudential Real Estate international network, we have the resources and connections to protect your interests and make sure your experience is a successful one. Prudential California Realty is proud to be a member of HomeServices Lending., a Berkshire Hathaway affiliate.

For more information, contact Gary Harmon, you San Diego North County Realtor.

[idx-listings city=”San Diego” minprice=”350000″ propertytypes=”335″ orderby=”Price” orderdir=”ASC” count=”24″ showlargerphotos=”true”]

Win-Win: San Diego North County Buyers and Sellers

San Diego North County home buyers and sellers can rejoice that mortgage interest rates are at year-long lows in the first week of May, compared to 5% a year ago for the week ending May 5, 2010, says Freddie Mac.  Couple that with the fact that 69% of first-time home buyers can afford an entry-lev el home in California (as of Q4 2010) and it appears that housing is indeed on the rebound.

Advice for San Diego North County Buyers

With every spike in affordability comes a corresponding increase in mortgage applications. As mortgage firms operate with smaller staff and greater risk assessment, expect your loan to take longer than usual. Lock in your low rate now by applying for your loan and providing the lender every piece of documentation he or she requires.

Advice for San Diego North County Sellers

This is not the time to price at the top of the market. Bank appraisals of your home may come in lower than you might expect if underwriters have any cause for concern. Your buyer’s loan may go through a second review process to make certain the lender is meeting today’s strict  underwriting guidelines.

Don’t miss out on this great North County real estate market, contact Gary Harmon, you top North County Realtor.


In this tough economic atmosphere, the prospects of getting a great deal may lure your San Diego clients toward buying a short sale or REO.  But while up-front costs may seem lower on an REO or short-sale, Carlsbad and Oceanside buyers often end up paying in other ways.  Below the photo are five advantages of buying a new Carlsbad home, Oceanside home, or other San Diego North County home:

Elise Nicole

1. NO REPAIRS. With a short sale or REO, the previous owner may have stopped maintaining their Oceanside or Carlsbad property. That means your client could end up with expensive repair bills. But new Carlsbad home purchases often include builder warranties for workmanship, materials, and structural problems to help protect your client against large out-of-pocket repair expenses.

2. NO SURPRISES. With a new Carlsbad or Oceanside home, what you see is what you get. With an REO or short sale, what you might not see is what you get. New San Diego North County home purchases often come with many disclosures from the seller, though in reality, very little may actually need to be disclosed. For REO transactions, not only is the bank exempt from some of the disclosure requirements for sellers under California law, but the previous homeowner may be long gone.

3. GUARANTEED QUALITY. New San Diego North County homes are usually built with modern conveniences and energy-efficient technology. They may also come with warranties for craftsmanship, appliances and more, to give the buyer peace of mind. Short sale and REO properties may not come with warranties or upgrades and may not be available for inspection prior to purchase, so your client could be in for some expensive surprises after purchase.

4. FRIENDLIER FINANCING San Diego homebuilders often have relationships with lenders that help North County buyers obtain financing for new Carlsbad homes or Oceanside homes with relative ease. For short sales and REOs, the property may have a lower price tag, but some buyers may run into difficulty getting financing.

5. SHORTER PURCHASE PROCESS. North County homebuilders usually have homes available for immediate occupancy or on a move-in schedule that’s convenient for your clients. Negotiating a short sale can take several months — and there’s no guarantee your client’s offer will be approved.  Tips courtesy of CAR.

Your North County Realtor, Gary Harmon, can help find the right San Diego, new home for you.  Contact Gary Harmon, for a personal tour of new San Diego North County homes today.

Charla Rueda and Cornerstone Lending – Gary's Team

The biggest hurdle faced by first – time Escondido home buyers is usually coming up with enough money for the down payment and closing costs.  The City of Escondido offers programs for qualified borrowers/properties for up to 5% of the purchase price or a maximum of $25,000 on a deferred low interest loan. Repayment is deferred until selling, transferring or refinancing the property. Charla Rueda, Cornerstone Escrow, one the Gary Harmon Team, can share this program with you.  Contact Gary Harmon for a personal introduction.

Charla’s professional commitment has always been to provide clients with the very best in customer service.  More than thirteen years of residential lending experience has consistently demonstrated her ability to deliver mortgage products that meet her clients’ needs and earns their repeat business. 

Cornerstone povides Charla the systems and tools that enable her to fulfill her goal of delivering exceptional customer service.  Charla makes a simple promise: to be honest and direct, to treat clients with the utmost respect and to provide each customer with the kind of service I would want for myself.  Charla has never let me down and I am sure she will do a great job in helping finance your Escondido Home for Sale.

See Escondido Homes for Sale:  North Escondido   South Escondido   East Escondido   Southwest Escondido.

Memorial Day Activities in San Diego 2011

Memorial Day in San Diego County is very special indeed.  San Diego is the largest military area in the nation with nearly 200,000 active duty and retired military.  We salute those who have died in the defense of our country on May 30th.

Turn on your sound and enjoy Lee Greenwoods “God Bless the USA.”

Memorial Day officially began in Waterloo, New York on May 5, 1866.  It has been a continued tradition each year since that date.
The brunt of the current wars in Iraq and Afghanistan has been shouldered by San Diego military personnel carrying the fight to our enemies.  The 3rd Battalion of the Fifth Marine Regiment at Camp Pendleton has had dozens of its troops wounded or killed, more than any other unit in recent years.
Here in San Diego County, we certainly know how and why we honor our nation’s finest.  We visit cemeteries,  fly our flag at half mast, and if you really want to participate you can pause at 3 p.m. on May 30th and remember those who sacrificed their lives for our great freedoms.  We are also most thankful that thousands of our local men and women return home from their combat tours to their families and San Diego neighborhoods and try to settle into a normal real living lifestyle.
As a Realtor selling San Diego North County homes, I have set up special web pages to offer help and a Military Discount to those are serving our country.

See this pages at:

To get a personal tour of San Diego North County homes, contact Gary Harmon, you military off base housing expert.

Some Memorial Day Activities in San Diego 2011

Balboa Park: Continued reading of names of veterans from 7 a.m. to 8 p.m. Sunday at the Veterans Museum & Memorial Center.

Balboa Park: Remembrance ceremony at 7:30 a.m. Monday featuring guest speakers, the national anthem, Pledge of Allegiance, retiring the colors and taps. Museum open from noon to 6 p.m.; admission fees required. (619) 239-5977.

Bonita: A fly-over by vintage planes precedes a memorial at 11 a.m. at the Chapel of Roses on May 31. Glen Abbey Memorial Park & Mortuary, 3838 Bonita Road, Bonita. (619) 498-4600.

Chula Vista: A Veterans Memorial will be dedicated at 11 a.m. Monday at Mater Dei Catholic High School. 1615 Mater Dei Drive. The dedication honors those Marian/Mater Dei Catholic Alumni who have served their community and country and in memory of two alum who where killed in action in Vietnam. (619) 423-2121, ext. 117.

Del Mar: The Del Mar Community Memorial Day Service will be held at 11 a.m. Monday. Captain Brian C. Schexnayder, USMC, will be the guest speaker. At the end of the service, deceased military members will be remembered during the Memorial Roll Call, which concludes with a performance of taps. St. Peter’s Episcopal Church, 334 14th St., Del Mar. (858) 279-5458.

Coronado: 10 a.m. service Monday hosted by the Coronado VFW at Star Park, one block off Orange Avenue at Star Park Circle and Loma Avenue. (619) 865-4809.

Coronado: 1 to 3 p.m. concert Monday featuring the Coronado Big Band at the Coronado Ferry Landing, 1201 First St. (619) 435-8895.

Escondido: American Legion Post 149 will host a ceremony at 10 a.m. Monday at Oak Hill Memorial Park, 2640 Glenridge Road. (760) 745-1159.

Julian: Observance from 11 a.m. to noon Monday at Julian Pioneer Cemetery, A Street at Farmer Road. Potluck afterward at American Legion Post 468, 2503 Washington St. (760) 765-0126.

La Jolla: Program from 2 to 3:15 p.m. Monday at Mount Soledad Veterans Memorial, 6905 La Jolla Scenic Drive S. Plaque presentation will honor Col. Bob Howard, a recipient of the Medal of Honor. (858) 459-2314 or

Lakeside: 11 a.m. ceremony Monday at Veterans of Foreign Wars, Carter-Smith Post 5867, 12650 Lindo Lane. Special guests include Rep. Duncan Hunter, R-Lakeside; county Supervisor Dianne Jacob; Assemblyman Joel Anderson; Maj. Gen. T.L. Conant; and Nick Popaditch. Also will include display of Navy helicopter, Marine band performance and refreshments. (619) 443-0556.

Oceanside: Indoor Mass, 8 a.m. Monday at Mission San Luis Rey Parish, 4070 Mission Ave. An all-you-can-eat, $1.99 pancake breakfast follows from 9 to 11 a.m. in the dining room, and Mission San Luis Rey Cemetery, 4050 Mission Ave., will be open from 8 to 11 a.m. for visitation and tours. (760) 757-3651.

Point Loma: Annual Memorial Day Service and Day of Remembrance ceremony, 8:45 a.m. Monday at Fort Rosecrans National Cemetery. Guest speaker will be Brig. Gen. Ron Bailey, commanding general of the Marine Corps Recruit Depot’s Western Recruiting Region. (619) 553-2084, ext. 4000.

Poway: Memorial Day Remembrances are part of Sunday services at 8, 9:30 and 11:15 a.m. Marine Maj. Brian Gilbertson, a Bronze Star recipient and Iraq war veteran, will be the featured speaker at a special forum at 11 a.m. in the Parish Hall. St. Bartholomew’s Episcopal Church, 16275 Pomerado Road. (858) 487-2159.

Rancho Bernardo: Ceremony at 10:45 a.m. Monday hosted by Rancho Bernardo Veterans Memorial Association at Webb Park, on Avena Place off Bernardo Center Drive. Will include flag ceremony, the Camp Pendleton honor guard and the Rancho Bernardo High School choir. Speaker will be Marine Maj. Gen. Anthony L. Jackson. (858) 674-1711.

San Marcos: VFW Post 3795 will host a service at 11 a.m. Monday, San Marcos Cemetery, 1021 Mulberry Drive. Hot dogs and hamburgers will be served afterward at the VFW post, 212 W. Mission Road. (760) 744-3795.

Solana Beach: The city and VFW Post 5431 will host a ceremony from 11 a.m. to noon Monday at the Veterans Memorial in La Colonia Community Park, 715 Valley Ave. Highlights include a performance by the Santa Fe Christian School Band, Camp Pendleton Young Marines, the Col. Frank Brezina Venture Scout Crew No. 42 Color Guard and a special guest speaker, retired Air Force Col. Susan Thompson. Light refreshments will be served. (858) 720-2400.

San Diego: Annual Memorial Day observance will begin at 1 p.m. Monday at El Camino Memorial Park, 5600 Carroll Canyon Road. (800) 352-2646.

San Diego: Memorial Day service at 11 a.m. Monday at Holy Cross Catholic Cemetery, 4470 Hilltop Drive. (619) 264-3127.

San Diego: San Diego Veterans for Peace, Hugh Thompson Memorial Chapter, will host an Arlington West Memorial on Monday at the USS Midway Museum lawn, at Broadway and Harbor Drive. Veterans will participate from 8 a.m. to dusk. The public is invited to assist with the placement of religious symbols and candles. Names of the fallen in the Iraq and Afghanistan wars will be read. (858) 342-1964.

San Diego: An introduction by Rod Melendez will begin a ceremony that includes an invocation by Chaplain Darcy Povich, numerous speakers and the playing of taps from 7:30 to 10 a.m. Monday. Veterans Memorial, 2115 Park Blvd. (619) 239-2300.

Carlsbad Homes Neighborhoods

Strong Sense of Community

Dawn Patrol by Elise Nicole - OceanGirlArt.comCity survey shows the importance of a strong sense of community in Carlsbad homes neighborhoods.  The resutls below are from a recent Carlsbad city resident-satisfaction survey.  And once again, the city of Carlsbad received high marks for everything from quaslity of parks, streets, public safety, libraries, and confidence in Carlsbad government.

Perhaps the most important thing measured in the survey is the Carlsbad Homes Neighborhoods residents’ sense of community.  This comes from the ability to enjoy a healthy real living lifestyle, rich with culture and learing of all ages.  Here’s what the survey reveiled:

  • 80 percent of Carlsbad homes residents feel it is very important to feel a sense of community with other Carlsbad residents.
  • 76 percent feel if there were a problem in their Carlsbad neighborhoods, people who live there could get it solved.
  • 75 percent of Carlsbad residents say they can recognize most of the people who live in their immediate neighborhood.
  • 76 percent feel that their Carlsbad neighbors want the same things from the Carlsbad homes community.

The survey found that residents 35 to 54 years of age were the most likely to have a high sense of community.   Carlsbad resident who have lived in their Carlsbad homes neighborhoods for more than five years also had a higher sense of community.  Residents with children in their homes had a higher sense of community than those without children.

To see some great Carlsbad homes neighborhoods, contact Gary Harmon, your Carlsbad neighborhood Realtor.

Search all listings of Carlsbad Homes for Sale now by area:

Oceanside Ocean View Condo – Listing of the Day

One of be best ways to serch for Oceanside ocean view  homes  is to use Gary’s Listingbook. You can learn to “Search like an agent.” Set up your own searches and be notified when new listings hit the San Diego North County real estate market. View the Gary Harmon Listingbook instructional video and click on the Listingbook logo to set up you personalized account today.   The best way to find a Carlsbad ocean view home is to contact Gary Harmon.  He will determine you wants and needs, do a personal search, and the show you only Carlsbad homes that meet your specific criteria.

301 Mission Avenue 510     Oceanside, CA


Virtual Tour of 301 Mission Avenue 510  –  Priced at $695,500

See Oceanside ocean view homes north and Oceanside ocean view homes south.

Remarks: Fully furnished Carlsbad ocean view condo including the dishes. This upscale unit is ideal for a second home, beach rental or full time residence. This Carlsbad home is just a couple of blocks to the beach with panoramic ocean views from the outside balcony, dining area, family room and master bedroom. This Carlsbad condo has gated underground parking for 2 cars near the elevator & a large assigned storage area on another floor.In the heart of Oceanside with easy access to the commuter station for going downtown for concerts,ball games or ?? and even walk to restaurants. This Carlsbad property can be sold fully furnished or unfurnished. Unfurnished, price would be $680,500. Designer furnished with down sofa, Tommy Bahama beds, fans, kitchen goods.Shows beautifully. Kitchen features spacious walk-in pantry, granite counters, hardwood cabinetry, eat-at bar & stainless steel appliances. Family room features a fireplace, large flat screened television & the southerly windows including the master bedroom are tinted. Water is included in the fees as well as an on site security guard at night.

For more home information about Oceanside ocean view homes, Oceanside whitewater homes,  or to see one of these great properties, contact Gary Harmon, your Oceanside ocean view Realtor.

[idx-listings city=”Oceanside” minprice=”350000″ propertytypes=”339,337,338″ orderby=”Price” orderdir=”DESC” count=”25″ showlargerphotos=”true”]

Housing Affordability Index – Why Buy Now?

The Housing Affordability Index reached a record high of 192.3 for February, 2011. Two contributing factors to the Index are the price adjustments homes have experienced in recent years combined with the unusually low mortgage rates make this an outstanding opportunity for North County home buyers who can qualify.

Before the housing bubble burst in 2006, the index average for the year was 108. The higher prices and higher interest rates restricted many San Diego buyers from purchasing.  The opportunities are not being seized by some San Diego North County buyers because there is confusion in the marketplace. North County home buyers are uncertain whether they would qualify and whether now is a good time to be purchasing a home.

All markets are different and every situation is unique. The only certain way to determine would be to investigate your individual situation. You owe it to yourself and your family to visit with Gary Harmon, a Prudential real estate professional, who can show you the real cost of San Diego North County housing and introduce you to our affiliate, HomeServices Lending powered by Wells Fargo.

For more San Diego North County home information, contact Gary Harmon, your North County Realtor.

See  Now is the Time to Buy a Carlsbad North County Home.  Also see,  The Time to Buy a San Diego North County Home is Now.

The National Association of Realtors releases the affordability index at the end of each month with a two month lag time for compiling the information. When the index is at 100, a median income family can afford a median price home. As the index increases, housing affordability increases.