Renter to Owner

Moving from “Renter” to “Owner” may be easier than you think!

You may be able to find a San Diego North County home with a total monthly payment comparable to your current rent payment!

  • Example:
    Interest rate is provided for illustrative purposes only. Rates change daily. Contact HomeServices Lending for current rates.

Get Started Now

Take your first step by talking to one my winning team members,  HomeServices Lending.    Selecting a lender for your new San Diego North County home can be just as important as finding the right listing. That is why Gary Harmon has made HomeServices Lending, the second member of his winning team.  Home Services Lending is affiliated with Wells Fargo Bank.  Financing can often make the difference in getting the home of your dreams, or not. That’s why it’s important to talk to a mortgage loan professional before you start house-hunting.  Gary Harmon has selected Greg Gossard, Senior Mortgage Consultant, as mortgage professionals for his team.  Greg will take the time to explain the options available to you and recommend a Wells Fargo Bank loan program or other loan program designed to meet both your short term and long term objectives.  You can contact Greg directly at 858-720-7744 or email at  Be sure an mention, Gary Harmon sent you.

Because of great rates, now is a “good time to buy. ”

San Diego North County Property


Gary specializes in San Diego North County homes including:  Carlsbad homes, Oceanside homes for sale, Encinitas homes, Vista, San Marcos, and Escondido real estate.  Gary Harmon also specializes in San Diego North County homes for over 55 seniors.  North County Homes for Over 55 (55+) covered on this blog include  Oceana homes, and Emerald Lake Village (all in Oceanside). Other homes included are Rancho Carlsbad homes (Carlsbad), Oaks North homes and Seven Oaks homes (both in Rancho Bernardo).Ocean Hills Country Club homes.

Building Real Estate Wealth with Carlsbad Investment Properties

Build Carlsbad Real Estate Wealth – Follow these steps.

San Diego North County real estate investing has probably made more millionaires in San Diego than any other thing.  One of the most popular areas is Carlsbad homes.  The current Carlsbad homes market is in turmoil to be sure.  However, this just may be the right time  to start building real estate investment wealth by investing in Carlsbad homes for sale.  Prices of Carlsbad investment properties are low and interest rates are also favorable.  If you want to start building your North County real estate investment portfolio, you may be at the right place at the right time, especially if you plan to invest in Carlsbad real estate.  Carlsbad investment properties have most always been a good investment, but when you buy them for depressed prices your chances for gain are great.

  • Save, save, save your money.  You need a downpayment for most Carlsbad property investments.
  • Clean up your credit scores.  This helps you get better interest rates for Carlsbad real estate.
  • Buy San Diego North County investment homes.  Choose Carlsbad homes.  Location, location, location.
  • Shop around to get the right Carlsbad real estate at a good price. Gary Harmon, your Carlsbad Realtor can help.
  • Don’t try to save too much money by doing everything yourself.
  • Know the current rates for Carlsbad property investment homes.
  • Refinance everytime it makes sense. See Home Services Lending.
  • Upgrade tenants for your Carlsbad home with better tenants when possible
  • Consolidate or upgrade to larger investment properties when possible.

Find Carlsbad Investment Properties

For more information and to get great personal service, contact Gary Harmon, your top Carlsbad Realtor.  Gary also specializes in Carlsbad Ocean View homes and Carlsbad Ocean Front Homes.

Reverse Mortgages – Frequently Ask Questions

Senior purchasers for North County for over 55 should understand how a reverse purchase mortgage can be used to buy their retirment home.  Reverse purchase mortgages can be used anywhere to buy San Diego North County homes, but work especially well in Ocean Hills Country Club, Emerald Lake Village, Oceana, Oaks North, and Seven Oaks. A purchase reverse mortgage will let you put down a fraction of the purchase price and have no more payments for life.  This frees up money you may have used for later need.

Below are some of the fequently ask questions reguarding using a reverse purchase mortgage for your home.

What sources are allowed for the cash required to close?

  •  The sale of the departure home you just sold
  •  The sale of the senior homebuyer’s other assets
  •  A homebuyer’s savings accounts
  • Gift money from parties not involved in the transaction

What sources cannot be used for the cash required to close?!

  •  Seller financing of any kind or seller concessions
  • Cash withdrawn from your credit cards
  • Bridge loans of any type
  • Any subordinate financing

What property types are eligible? 

  • Single family San Diego homes. Can be one story, two story, attached or detached
  • HUD-approved condos
  • Planned unit developments (PUDs).  Many San Diego homes are Planned Unit Developments.
  • Two- to four-unit San Diego properties (one must be owner-occupied)
  • Manufactured North County homes (like those in Emerald Lake Village) built after June /3, /754

What requirements must the new North County home meet?

  • Must become the buyer’s primary residence

Which San Diego North County home is the purchase reverse mortgage for?

  • Must be occupied by the senior buyer within 4 days from closing date
  • Construction must be complete, the property habitable, and a certificate of occupancy or its equivalent issued prior to the loan application.
  • The reverse mortgage is placed on the new San Diego home. If the cash required to close comes from the sale of the departure home, that sale is a transaction separate from the HECM for Purchase transaction.

You can make this opportunity yours.  Work with HomeServices Lending, affiliated with Wells Fargo Home Mortgage, the nation’s leading retail originator of reverse mortgages. Need more information on how to make a reverse mortgage work for you, contact Gary Harmon, your Senior North County Realtor.

Reasons to Buy San Diego North County Homes

  • Fantastic weather and amazing natural beauty.
  • You can get a good deal on North County property- Search all San Diego North County Homes listings today.
  • You can save money on home improvements.   Many North County contractors are not as busy and will cut you a deal.
  • You’ll save on both Federal and State taxes.  Real estate tax deductions on your North County home are still some of the best ways to save on your tax return. 
  • Mortgages are cheap.   Interest rates are still.  Check with HomeServices Lending today to see what rate you could get.
  • You will own it.  There is still something to say about the pride of San Diego home ownership.  You can decorate it your way.
  •  It offers inflation protection.  Once your loan rate is locked in and you have closed on your home you have great inflation protection.
  •  You’ll get a better home.   When you buy you often can have more San Diego North County homes to choose from than when you rent.
  •  It’s forced savings.  Each month you make a payment you are saving for the future.  You create a little bit of equity each month.
  •  It’s risk capital.  You are buying your North County real estate with mostly the other man’s money, your loan.
  •  There is a lot of inventory to choose from.  The selection of San Diego homes is great including North County homes for over 55 seniors like Ocean Hills Country Club homes or great ocean view homes, like Encinitas ocean view homes, Carlsbad ocean view homes, and Oceanside ocean view homes
  • The market will clear and return to growth. .

For the best in San Diego North County real estate services (buying or selling), contact Gary Harmon, your top North County Realtor.

Finding Buyers for Encinitas Homes and Other North County Homes

Any San Diego North County Realtor can find a buyer for Encinitas homes or other North County real estate.  The real challenge is to create the kind of demand for your Encinitas property that attracts more North County buyers and gets you the best outcome.  That requires a careful mix of marketing strategies like the ones listed below this picture.

Encinitas homes - Attracting buyers

Careful Mix of Marketing Strategies

  • Intensive local and national networking:  Gary Harmon is part of a powerful network of Prudential professionals across the country.  They constantly share leads and information to help him find the right buyers for his Encinitas homes.   This includes a number of channels: 1) Incoming Prudential Relocation buyers,  2) National Prudential Convention, 3) Regular branch meetings, and 4) other professional contacts throughout the Encinitas Realtor community. 
  • Aggressive print exposure:  This can be both Colored flyers and newspaper ads.
  • Expansive Online exposure:  Top websites such as and top blogs like
  • Custom direct mail advertising

As your Prudential California Realty  agent, Gary Harmon will draw on strategies to create a custom Encinitas property marketing plan designed to get you optimum results.  Then he will orchestrate every detail to ensure a successful close of escrow.  For more information on buying or selling Encinitas homes, contact Gary Harmon, your Encinitas Realtor.

Did You Miss the Bottom?

Prudential California Realty - Gary Harmon

San Diego North County real estate market heats up.

San Diego is one of the five California real estate markets that turned positive in April or May.    San Diego home prices appreciated as much as 3.1% to 3.9%  since hitting lows in the previous year according to Zillow.  But missing the bottom doesn’t mean the opportunity is gone for North County buyers.  San Diego North County homes values are still down 30%  to 36%.   They still make a good investment for North County property buyers.

North County Realtor

The San Diego North County real estate market is considered being balanced when there are six months of inventory on hand.  Market conditions are favorable to both North County buyers and North County sellers.  A buyer’s market is characterized by conditions such as falling prices, high inventories, concession by sellers, and incentives among other things.  A North County seller’s market has low inventories of North County homes for sale, increasing prices, and real competition between buyers, including multiple offers on many properties.Escondido Real Estate

For more information about North County homes for sale including Carlsbad homes, Oceanside homes, Vista  homes, San Marcos homes, Escondido homes, and Encinitas homes, contact Gary Harmon, your top North County Realtor.

San Diego North County Homes

Monthy Principal & Interest Payments

Estimated Monthly Payment Factors per $1000 on a 15 and 30 Year Fixed Loan.

If you are buying Escondido real estate or other North County homes, the first thing you need to do is to determine if you can afford the payments.  If you like to do-it-yourself, the tables below will help get you off to a good start.  If you would like professional help, call me and I will put introduce you to one of my team members at HomeServices Lending

To estimate your monthly principal and interest mortgage payment, divide the loan amount by $1000 and multiply by the payment factors below for the interest rate and loan term you are considering.  This factor does not include San Diego North County property taxes.  You can estimate the basic anual taxes by multiplying 1.2% times the purchase price of the Escondido home.  You will also have homeowners insurance, possibly homeowners association dues, pmi, and maybe even Mello Roos taxes.  Too confusing, contact Gary Harmon, your North County Realtor for a personal explaination.




Gary Harmon specializes in Carlsbad ocean view property, Encinitas ocean view property, Oceanside ocean view property, as well as all properties in  Carlsbad, Encinitas, Oceanside, Vista, San Marcos, and Escondido.  Contact Gary Harmon,  your top North County Realtor.

Do It Yourself?

Do It Yourself?

Thinking of selling your North County home?  Want it to look its best?  Giving your San Diego North County home a minor facelift may equate to a larger investment than you are willing or able to make.   Should you try to do the minor facelift on your North County house yourself or should you hire a professional to do the job.  To make an informed decision, consider the level of skill required, do you have the tools necessary,  how much time will it take, and can you get the job done correctly the first time.  If you need professional help you should hire the help you need.

Sell Your North County Home

Doing it yourself when selling your North County home is very little different than the minor facelift.

Gary Harmon has the skill level and is the right North County professional for the job.  Gary has the right tools, see Gary Harmon’s Winning Team.  Gary has over 20 years of experience with Prudential California Realty, helping sellers get top dollar for their North County homes.  And finally, Gary has the time to dedicate to the sale of your North County home and will get it right the first  time.

For help selling your home today, contact Gary Harmon, you top North County Realtor.   Don’t loose money and time trying to “Do it Yourself.”  Put Gary Harmon and his team to work for you today.

Inserted article is courtesy of Joyce Nathan of HomeServices Lending San Diego North County.

Re-invent Your Space – North County Homes

Minor Facelift for North County Homes

The above information was furnished courtesy of Gary Harmon’s Winning Team member,  HomeServices Lending.  For more information on North County homes, contact Gary Harmon, your North County Realtor.

Prudential Military Advantage for San Diego North County Homes

Prudential Military Advantage offered by Gary Harmon.With Memorial Day coming up I thought it might be a good time to introduce you to the Prudential Military Advantage Program.  This program is a great way for you to market your San Diego North County home.  Backed by the Rock Solid reputation of Prudential Financial, and the service and technology of Prudential California Realty, our new Military Advantage Program offers unique new benefits for military families on the move.

The Prudential Military Advantage Program is designed for listing & selling properties within 25 miles of a military base.  That covers just about everything in the San Diego North County real estate area as well as most other parts of San Diego.

Prudential Military Advantage benefits North County Buyers

Prudential California Realty North County buyers can now feel comfortable that the San Diego home they are purchasing through Gary Harmon and Prudential California Realty is a home that is:

  • Located within 25 miles of one of San Diego’s active military bases
  • Priced  within 5% of Fair Market Value
  • Protected by a one year Home Warranty policy

For military personnel on the move, the Prudential Military Advantage makes it easy for families that need to move quickly and with little hassle!

Prudential Military Advantage for North County Sellers

When you list your San Diego North County home with Gary Harmon and the Prudential Military Advantage Program you are able to reach North County military buyers that are ready, willing and able to move quickly!  The Prudential Military Advantage Program provides marketing tools to reach the special military market.  Tools that bring your North County property right to the San Diego buyer are:

  • Special yard sign riders that identify your North County home for sale as a Prudential Military Advantage property
  • Doorknob hangars with the Prudential Military Advantage logo
  • Special welcoming doormats identifying your property as a Military Advantage property
  • Special marketing brochures, targeted eCards, and much more for your Escondido home or other North County property.

To get the program started, just contact Gary Harmon, your North County Realtor 745-1220.  Gary Harmon has been selling real estate in North County for over 20 years and has put together a powerful team.  Gary Harmon’s Winning Team will help with all your North County real estate needs.