Now is the Time to Buy a Carlsbad North County Home

The Carlsbad and San Diego North County housing downturn will reverse itself one day, will you have missed out? While economists and consumers may be uncertain when the bottom will come, there are growing signs that it’s already here or extremely close. The best time to buy a Carlsbad home is now — and here’s why.

It’s hard to tell if the Carlsbad or San Diego North County housing market has reached bottom until prices and sales volume start to rise again. So the best time to buy is when market conditions are indicating the approach of a bottom. To take advantage of near-record low mortgage interest rates and home prices as low as they were a decade ago, home buyers may have to take some risks, such as riding out another short-term dip in property values.
But the rewards may be well worth it. A number of factors point to a small window of opportunity to buy “at the bottom” before the market turns more favorable. Here are the six greatest reasons to buy a home right now:

  1. The economy is growing
  2. More jobs are available
  3. Houses are a hedge against inflation
  4. Mortgage interest rates are near record lows
  5. Pent-up demand is ready to release
  6. Buy-versus-rent ratios favor home ownership

I just met a lender named Mike West with Sierra Pacific.  I am very impressed with his knowledge and follow through.  He put together a great video to share with you.  It is called “The Why and How of Purchasing a New Home.”  Please take the time to watch it, it may save you an incrediable amount of money.

In becoming one of the top real estate lenders in the nation,  Sierra Pacific Mortgage also became one of the most widely respected mortgage banking companies in the country.  Having weathered economic storms and withstood the test of time, SPM has earned the respect and admiration of their peers while continuing to thrive as an industry leader and maintain their solid reputation of integrity, stability and character.  Since 1986 they have been a progressive leader in both wholesale and retail lending offering cutting edge technology, market leading pricing and reliable service. When you examine them, two things are clear. They are here to stay and are here to serve their customers. Contact Mike West, 760-208-1739 for more information.

Advice for Carlsbad and San Diego North County buyers: A housing recovery doesn’t proceed in a straight line. The question is, how deep are the dips? San Diego buyers could wait for even better conditions, but the current alignment of falling mortgage interest rates, lower home prices, and wider selection is unlikely to happen again. Prices may go lower, but mortgage interest rates may go higher. If this isn’t the bottom, it’s very close. Act now.

Need help ? Contact Gary Harmon, and find your San Diego North County home now. See Current Listings of ALL San Diego homes.

For the Carlsbad Buyer – How North County Realtors are Paid

When A Carlsbad Home Buyer Works With A North County Realtor

We are not paid unless you choose to, and do successfully, purchase a Carlsbad property. When we accomplish your goal, we are reimbursed for the time, talent, expense and effort we spent in working with you to find that perfect Carlsbad home.  Sometimes, despite much time and energy, a successful purchase does not come together and, in those cases we are not compensated for our efforts.

Our compensation is only paid when we are successful in meeting your goal. The most common scenario is that the Listing Broker will pay a pre‐determined amount (the “offer of compensation”) of the total Listing Commission to the Selling Broker, for “securing a ready, willing and able buyer”. 

Services may include:
 Providing background information that buyer wishes to be given to the seller regarding terms of the offer
 Referral Services
 Buyer focused web and mobile technology tools
 Explaining the home buying process to buyer
 Providing information on available financing and determining financial ability of a buyer
 Reviewing clauses in the Purchase Agreement
 Assisting in the transaction until closing

Additional services may be provided by a limited buyer agent, including providing a buyer’s estimated costs sheet, showing multiple properties and other transaction specific services and advice.

If you are a Carlsbad home buyer and need help in finding that special Carlsbad property, contact Gary Harmon, one of the top North County Realtors.

Why Gary Harmon recommends HomeServices Lending

Customer service is my number one goal in any Carlsbad real estate transaction.  And studies have proved that consumers who use one-stop shopping consistently report higher satisfaction levels more frequently than those who use multiple sources.

Photo by Kyle CanonI can count on Home Services Lending to help you get the financing needed to complete your Carlsbad purchase.  Your success is their success!  No other lender is more committed to providing you with outstanding service. HomeServices Lending can provides the highest level of communication during our transaction. I can deliver a superior Carlsbad home buying experience more consistently when working with a cohesive in-house team.

Purchase transactions are the majority of Home Services’ business. With HomeServices Lending, you can expect depth of knowledge, and clear and honest communication throughout the entire Carlsbad purchase transaction.  They will help you make informed Carlsbad real estate decisions about the loan options available.

HomeServices Lending is a safe and reliable financial choice. As a joint venture between Wells Fargo Home Mortgage and HomeServices of America—a Berkshire Hathaway Affiliate—it is a well-capitalized company. Home Services will continue to provide a comprehensive selection of loan programs, competitive pricing, and high-quality services. They hold fast to long-standing responsible lending principles.

HomeServices Lending has access to many nationally recognized lenders and housing programs. With access to brokered-out and correspondent lending programs—as well as access to the Wells Fargo Home Mortgage product
portfolio—they can provide a wider array of innovative loan packages to help meet your individual needs.

Other members of Gary’s team that will help you have a smooth Carlsbad purchase are

  • Prudential California Realty
  • California Title Company
  • Pickford Escrow
  • Prudential Relocation

Contact Gary Harmon to see Carlsbad homes for sale and let him hook you up with his outstanding winning team.

Panoramic Views – Carlsbad Ocean View Home

3537 Ridgecrest, Carlsbad, CA 92008

3537 Ridgecrest, Carlsbad, CA 92008

Remarks: Stately French Provincial custom Carlsbad home in exclusive Seacrest Estates of Old Carlsbad. 180 degree panoramic Carlsbad ocean view home. Views from entryway, living room, master bath and master suite and deck. Ocean views from every room. Large Chef’s kitchen with two breakfast bars and plenty of room for all to gather. Four beautiful fireplaces in this Carlsbad home.  Large pebble-tec pool with slide. Corner lot, room for RV, close to award winning Carlsbad schools. No HOA or Mello Roos. Qualified buyers only. See Supplemental!!! Located on Ridgecrest Drive in a quiet enclave of custom luxury homes. The stone paver circular driveway sets the tone for this 2 story elegant home. Arched 8′ solid wood double hung windows provide views from La Jolla to Catalina Island. Enter the home through the double 9′ doors with leaded glass sidelights and step into the elegant foyer with grand staircase, 30′ ceiling and dramatic chandelier. Interior features: 9′ and 10′ ceilings throughout. Solid wood, 6 panel double doors to each bedroom. Polished travertine throughout much of the first floor. Near the Butler’s pantry is a formal dining room with black marble fireplace. The step-down formal living room features 10 foot ceilings, a black marble fireplace and custom wood mantel. The family room features custom shutters, built in cabinetry and shelves, large wet bar with travertine counters and a fireplace with matching travertine surround. The breakfast nook looks out onto the pool area through a custom 8′ door and sidelights. The large Chef’s kitchen includes double sinks plus a separate vegetable sink in the large island; granite counters, island and backsplash; stainless steel 5-burner Jenn Air range, Jenn Air M/W oven combination; quiet Bosch dishwasher; trash compactor; built in 36″ refrigerator with matching cabinet panels. The large master suite has a sitting area, fireplace and custom walk-in closet. Ocean views from every window in master suite. French sliding door opens to the 180 sq. foot custom deck that provides 180 degree ocean panoramas. The custom deck includes built-in speakers and subdued lighting to provide a relaxing backdrop. The master bath features ocean views, separate his and her cherry wood vanities, travertine and granite throughout with a soaking tub and a private custom travertine shower. Elegance and class embody this wonderful Carlsbad  home. $250,000 IN UPGRADES.

Due to the hilly terrain of the beach towns along San Diego’s North County coast, many residential Carlsbad homes and condos boast of spectacular Ocean views and whitewater views. This location and geography has created the perfect place for spectacular Carlsbad ocean view homes. Much of  San Diego North County is ideally located to offer an impressive selection of ocean view homes for sale. Ocean view real estate ranges from small condos and townhomes with seaside views, to estate-sized properties boasting sweeping vistas of the Pacific Ocean.  The searches on this site are for homes above $1,000,000.  If you would like to see 3537 Ridgecrest, Carlsbad, CA 92008 or  a list of ocean view homes or condos at “ANY” price, just call 760-745-1220 or shoot me an email to and tell me what you are looking for.  You will get an immediate response.

Gary Harmon blogs on individual neighborhoods:

Poinsettia Cove Homes – Carlsbad Ocean View Homes

Carlsbad Whitewater View Homes

Listing of the Day – My Favorite Carlsbad Ocean View Home

San Pacifico – Carlsbad Ocean View Homes

Carlsbad Ocean View Homes Video

See other Prudential California Realty Listings.  See  Hadley Home Team Listings.

Carlsbad Homes – Purchase Reverse Mortage

Maybe you have retired and no longer have an income.  Maybe have lost your job.  Perhaps your credit score is a little too low for a regular loan.  A purchase reverse mortage could be a way for you to get a loan to buy that Carlsbad home.   Below are some of the benefits of a purchase reverse moretgage.

FHA Purchase Reverse Mortgage Benefits 

     -No income required                    
     -No minimum credit score
     -No Income to Debt ratio             
     -Down payment can be a Gift
     -No Mortgage payment for life       
     -No minimum or maximum sales price
     -Can own other properties 

You need to be 62 years old to qualify for a purchase reverse mortgage.  A Reverse Mortgage will cover as much as 77% of the price of the home!  A Purchase Reverse Mortgage can eliminate the need for a Carlsbad homebuyer to make a house payment. All that is needed is the down payment and closing costs the Reverse Mortgage will cover the remaining balance!

The age of the youngest buyer and the value of the Carlsbad home are what determine how much money is needed to close.

Use the table below to see what you could expect with an appraised home value of $309,000.   Contact Gary Harmon, your San Diego North County Senior Realtor, for different purchase (appraised) values up to $625,000. have included the Down Payment and estimated closing costs.

purchase reverse mortgage

See Gary’s other articles relating to purchase reverse mortgages:

Reverse Mortgages – Frequently Ask Questions

Reverse Purchase Mortgage – Ocean Hills Homes

Purchase Reverse Mortgage Examples – Oceanside Homes for Sale

Reverse mortgages for San Diego home purchases

Reverse Mortgage – Purchase Ocean Hills

Now is the Time to Buy Ocean Hills Real Estate

Purchase Your San Diego Home with a Reverse Mortgage

Home Services Lending, one of Gary Harmon’s Winning Team, can customize a reverse mortgage to fit your situation.  Contact Gary Harmon, Prudential California Realty, for your best move ever!

Carlsbad Homes Online Seller Advantage

For the best in Carlsbad real estate service, contact Gary Harmon, your Prudential Carlsbad Realtor.

If you’ve been thinking about listing your Carlsbad home for sale but aren’t sure about what’s happening with Real Estate in your Carlsbad neighborhood, I’d be happy to send you a customized Online Seller Advantage report.

This report will let you know what’s going on in your Carlsbad neighborhood with up-to-date information that includes:

     • how many people have searched for a Carlsbad property like yours,
     • how many new  Carlsbad home listings have come on the market, and
     • how many listings in Carlsbad have changed status or price.

Prudential’s Online Seller Advantage is unique in our marketplace and keeps you up to speed on San Diego North County market activity.  You will have the option to receive daily or weekly insight on Carlsbad homes listed for sale in your area; whether it sold, has a change in price or updates on new competitive Carlsbad home listings. 

To see an example of an Online Seller Advantage – click here.

If you’d like to see a custom report prepared specifically for your Carlsbad home and your Carlsbad neighborhood, I’d be happy to set it up for you.  Contact Gary Harmon, Hadley Home Team.

San Pacifico Floorplans – Carlsbad Homes

San Pacifico Homes

San Pacifico homes are in four nieghborhoods in South Carlsbad right near the beach.  You can walk or bike to Ponto Beach in just a few minutes or enjoy a stroll along Batiquitos Lagoon.  San Pacifico homes offer some one story homes that are not available in nearby Hanover Beach Colony, Waters End, or Poinsettia Cove.  Shopping, easy freway access, the Coaster, and great schools are other things that make this the perfect beach community.  For more information see San Pacifico – Carlsbad Ocean View Homes.

Floor Plans of San Pacifico Homes 

  • 1691 esf     2 bedroom/3 bath
  • 1699 esf     2 bedroom/3 bath
  • 1868 esf     2 bedroom/3 bath or 3 bedroom/3 bath
  • 2031 esf    4  bedroom/3 bath
  • 2220 esf    4 bedroom/3  bath
  • 2547 esf    4 bedroom/3  bath
  • 2996 esf    4 bedroom/3  bath
  • 3671 esf    5 bedroom/4  bath  or 4 bedroom/4  bath


San Pacifico homes offer resort style community amenities.  These include a community pool and spa with indoor and outdoor showers, bbq’s, picnic tables, tennis courts, basketball courts, a grass volleyball court, walking trails, small parks and much more.   See more in the Youtube video below.

Other great beach communities in the area that have Carlsbad ocean view homes are Hanover Beach Colony homes and Ponsettia Cove homes.      Another top beach community nearby is Waters End homes.  To see any of these great Carlsbad homes please contact Gary Harmon, you Carlsbad Realtor.

San Pacifico – Carlsbad Ocean View Homes

See Current Listings of San Pacifico, Hanover Beach Colony, and Poinsettia Cove Homes

Location of San Pacifico Homes

To reach San Pacifico homes exit Interstate 5 west on Poinsettia and turn south on Avenida Encinas.   San Pacifico Carlsbad homes are on both sides of Avenida Encinitas  right before you reach Pacific Coast Highway.  This great coastal location (only about 1/2 mile from South Ponto Beach) is convenient to  Batiquitos Lagoon, nature trails, shopping and much more.    The neighborhoods of San Pacifico homes are also great for commuting, being close to the Coaster station and Interstate 5.

Life Style at San Pacifico

San Pacifico homes are inside a lushly landscaped gated community,.  San Pacifico homes offer resort style living year-round or can be use as vacation or second homes.  Some properties are Carlsbad ocean view homes while others over look the beautiful Batiquitos Lagoon.  Enjoy a nature walk by the lagoon or grab your swimsuit and take a short walk to South Ponto Beach.

Poinsettia Village Shopping Center is just a few blocks up Avenida Encinitas.   The center has a Prudential California Realty (that’s where my office is), a Ralph’s grocery, a Rite-Aide, Ace Hardware, Starbucks, Pollo Loco, Jack-in-the Box, Pickup Sticks, a bank, and many more conviently located stores and resturants.

San Pacifico Homes have four neighborhoods.

  1. San Sebastian
  2. Vistamar
  3. Santander
  4. Ocean Walk


San Pacifico homes offer resort style community amenities.  These include a community pool and spa with indoor and outdoor showers, bbq’s, picnic tables, tennis courts, basketball courts, a grass volleyball court, walking trails, small parks and much more.

See San Pacifico Floorplans – Carlsbad homes.

Other great beach communities in the area that have Carlsbad ocean view homes are Hanover Beach Colony homes and Ponsettia Cove homes.      Another top beach community nearby is Waters End homes.  To see any of these great Carlsbad homes please contact Gary Harmon, you Carlsbad Realtor.


San Pacifico – Batiquitos Lagoon

Batiquitos Lagoon is located on the coast about 30 miles north of downtown San Diego in San Diego North County. It is in the Carlsbad real estate area and just north of the city of Encinitas.  San Pacifico – Carlsbad ocean view homes border the lagoon on the North near the ocean. 

For more information information on San Pacifico homes, Carlsbad ocean view homes, Carlsbad whitewater view homes, or any other Carlsbad homes for sale, contact Gary Harmon, your Carlsbad ocean view Realtor.

On the west is the Pacific Ocean, steep hills on the south, on the eastern end, San Marcos Creek, the connection between the Lagoon and most of its drainage basin (or “watershed”) further east. 

 Carlsbad Blvd. (Old 101) crosses the westernmost end of the Lagoon at the opening (“mouth”) to the ocean. The southern bank of the lagoon is formed by a steep coastal ridge, with La Costa Avenue on a narrow track between the lagoon and the steep slopes. The northern banks rise gently from the shore and are now covered with eucalyptus trees lining a large development and golf course (Aviara). The Park Hyatt Hotel sits high on the north side providing a view of much of the lagoon. El Camino Real goes by the easternmost end of the Lagoon, between the lagoon and La Costa Resort.

It was not until the latter part of the 19th century that the area surrounding the lagoon became vital to California’s maturation.  In the 1870’s, the area was opened to homesteading, creating an influx of trade and the need for transportation.    The California southern Railroad line constructed a bridge to span the lagoon in 1881.  Thirty one years later, a second bridge was erected on Pacific Coast Highway.  Finally in 1965, a third bridge was built for Interstate 5. 

These three bridges started to cause trouble for  the lagoon by significantly decreasing the tidal flow in and out of the lagoon.  Accumulated silt began to fill up Batiquitos Lagoon, and the lagoon was expected to fill up within 50 years.  When Batiquitos Lagoon was annexed by the City of  Carlsbad a large dredging and enhancement project was begun to open the lagoon to the ocean’s tidal changes and flows, thus slow down the filling of the lagoon with silt.   The enhancement project’s goal is to restore the lagoon to it’s natural state and re-open a tidal inlet from the Pacific Ocean.  The project was completed in 1997 and there are continuous studies to determine its success.

More Photos in this Batiquitos Lagoon Slideshow.

The lagoon itself consists of 610 acres with a drainage basin of 30,000 to 55,000 acres. The watershed basin includes the Carlsbad real estate areas, San Marcos real estate areas, and Encinitas real estate areas, with its primary freshwater tributaries being San Marcos Creek from the east and Encinitas Creek which flows north along Green Valley, entering the lagoon under El Camino Real and La Costa Avenue, respectively.  San Marcos Creek is the same creek that feeds Lake San Marcos.

The lagoon can be seen and experienced from a nature trail (link to trail map with access and parking locations) on the north side.  The public walking and hiking trail is about 2 miles long. It starts just east of Interstate 5 at the end of Gabbiano Lane and goes most of the way to El Camino Real on the east end of the lagoon. There are five public parking lots providing access to the trail, one by the Nature Center and four on Batiquitos Drive.  Horses and bicycles are not allowed.  Take the Poinsettia Lane exit from I-5 and head east.  See the map for trail access locations.

To get more information there is a nature center at  7380 Gabbiano Lane, Carlsbad, CA 92009.

For more information information on San Pacifico homes, Carlsbad ocean view homes, Carlsbad whitewater view homes, or any other Carlsbad homes for sale, contact Gary Harmon, your Carlsbad ocean view Realtor.

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Poinsettia Cove Homes – Carlsbad Ocean View Homes

Current Listings of San Pacifico, Hanover Beach Colony, and Poinsettia Cove Homes

Carlsbad Whitewater View Homes

Poinsettia Cove homes are Cape Cod style homes across the street from Carlsbad State Beach.  Poinsettia Cove is a secure, gated community.  This enclave is great for your summer beach house or your main residence.

 Please enjoy the photos of Poinsettia Cove homes and YouTube video  below.

Poinsettia Cove Homes – Beachfront Living

Everyday seems like a vacation day when you own a Poinsettia Cove home.  Enjoy beach living. Surf every morning before work (there are several great surfing breaks within walking distance to keep you healthy and young at heart)  and then come home to leisurely sunset strolls on the sand. You can enjoy great California Pacific sunsets or charcol up some burgers on the community BBQs.  Many of the Poinsettia Cove homes backyards look out to a greenbelt w/grass volleyball, tot lot, picnic tables, bbqs and a basketball court. All close by your home, so you can enjoy all the facilities with your family. The really lucky Poinsettia Cove home owners look out at the beautiful blue Pacific.  The HOA takes care of the front yard to keep everything looking luch and tropical. 

The Coaster

Proximity to the Coaster makes this a popular neighborhood for San Diego Commuters!  Walk to Carlsbad Poinsettia Coaster station–great for commuting, getting to Airport, ‘fun trips’ along the Coast, and to downtown San Diego!  You can also connect to the Sprinter or trains heading north to Orange County or Los Angeles.

In addition to great beaches, Poinsettia Cove homes are close to nearby shopping and excellent restaurants.

Carlsbad Homes Beach Community

Poinsettia Cove ocean view homes are located in the Carlsbad beach community just north of Encinitas and south of Oceanside. This costal community covers about 43 square miles and offers 6.5 miles of beautiful wide sandy beaches, great surfing, and miles of rolling hills, canyons, and lush valleys. Carlsbad has high property values, above average median family incomes, and high education levels. Carlsbad zip code 92011 boast some great Carlsbad ocean view homes, Carlsbad oceanfront homes, Carlsbad ocean view condos, and Carlsbad whitewater view homes.

For more information on Carlsbad ocean view homes including Poinsettia Cove homes, Hanover Beach Colony, Carlsbad whitewater view homes, or Carlsbad oceanfront properties, contact Gary Harmon, your Carlsbad ocean view Realtor.

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