Prudential California Realty Commercial Division

Prudential California Realty Commercial Division

In addition to having a great residential real estate divisions, one of the top five in the nation, Prudential California Realty also has one of the top commercial divisions in the country.  Should you require San Diego North County real estate expertise, other than seasoned residential experience, Gary would be happy to put you in contact with the right commercial expert.

Your Prudential California Realty Commercial Division expert will be able to help you with buying, selling or leasing commercial properties.  Should you require expertise in representing San Diego North County commercial tenants and landlords, or buying or selling your own business, your Prudential California Realty Commercial Division agent can help.

1031 Exchange

Allow the Prudential California Realty Commercial Division to oversee your 1031 Exchange transaction for you, from the sale of your current San Diego North County property to the successful close of escrow on your new purchase, and all within the required timeframe.

Commercial Leasing

Prudential California Realty Commercial Division brings many years of commercial leasing experience to acting as your liaison to your North County landlords and tenants.

Business Acquisition and Divestiture

Prudential California Realty Commercial Division specialists will leverage their skills and extensive experience to facilitate the successful business acquisition or divestiture of your San Diego North County business.

In summary, if you need a seasoned, expert in San Diego North County real estate (residential), contact Gary Harmon, your North County Realtor, to guide you through the process.  I f you need any type of commercial help, Gary will be happy to refer you to an expert in our Prudential California Realty Commercial Division.

Improve and Protect Your Credit Score

HomeServices Lending

Whether you are an over 55 senior looking at Ocean Hills Country Club homes are a first time home buyer just hoping to get a start, you should do everything they can to improve your FICO credit scores.  Why, because credit scores can mean the difference between a 4.25% and a 5.25% home mortgage rate. That can mean the difference as to wheater you qualify for a loan to purchase your San Diego North County home.  Credit scores can also mean the difference in getting a conforming mortgage and an FHA mortgage.  They can mean the difference in an underwriting approval and an underwriting denial.  Get your credit in order before trying to buy your San Diego North County home.   You should treat your FICO credit just as you would an investment portfolio, always strive to improve and protect what you have. The following tips, if followed, will help you with your journey to becoming a San Diego homeowner.

What Can You Do to Improve Your FICO Credit Score?

  • Try to get current and stay current.
  • Apply for and open new credit card accounts only as needed.
  • Keep your credit balances low on all credit card accounts.
  • Pay off debt rather than moving it around.  Owing the same amount, but have fewer accounts can help.
  • You should pay your bills on time.  Late payments and collections can have a serious negative impact on your credit score.
  • If you have been managing credit for a short time, don’t open a lot of new accounts too rapidly.

Once you get a good FICO credit score, you will want to do every thing you can to keep that good score.

What Can Affect Your Credit Score?

  • Delinquent payments
  • High outstanding debt, especially “revolving credit card debt”
  • The amount of new accounts you have opened  right before applying for credit
  • Credit inquiries can lower your score

What Type of Credit Inquiries Hurt Your Score

  • A credit check for an auto loan
  • A credit inquiry for a credit card application
  • A credit check for a store credit card
  • A credit check for a mortgage loan

While some credit inquiries can hurt you score by up to 100 points, a mortgage credit inquiry is estimated to only lower your credit score by just 5 points.  So when buying a purchase as large as a San Diego North County home you should shop around for the best rate and terms.  This shopping needs to be limited to about 14 days so as to minimize the rate on your FICO Credit Score.

I would invite you to check out HomeServices Lending, a member of my winning team members.  HomeServices is an affiliate of Wells Fargo Bank.  For San Diego North County real estate information,including information on North County  homes for Over 55, contact Gary Harmon, your North County Realtor.

Creating Your San Diego North County Dream Home

Today at our Prudential California Realty office meeting in La Costa, we had a speaker, Jennifer Bonasia, President of Pacific Shoreline Construction Consulting Design.  She shared a lot of good information that I think North County home buyers and sellers can all use. 

North County Buyers

When looking for a home many potential buyers love a home, but there are just a few things they would change.  Somtimes these things are stumbling blocks to finding that dream home.  Many times buyers over estimate the cost of what desired changes might cost.  A solution would be to schedule an appointment with Pacific Shoreline at the home being considered.  Pacific Shoreline will then come up with an free estimate of what it would cost to change things about the North County property.  The buyer, having all the facts, can mak e an informed decision as to whether to buy the home in question.

North County Sellers

Many times there are just a few things that a home needs to make a listing more sellable.  Again, the sellers may over estimate what it would cost.  A home that looks good sells for more money.  Why not get someone like Pacific Shoreline to give you a free quote on what needed changes would cost.  Then you, the seller, can make an informed decision.

Pacific Shoreline Slide Show of Completed Work 

About Pacific Shoreline

Pacific Shoreline is a licensed CA General Contractor providing superior construction management and interior design services for residential and commercial projects.  From residential re-models to complete new home community development, Pacific Shoreline has the breadth of experience and professional management to make the difference in the success of your project and your budget.  Pacific Shoreline offers a comprehensive system of services that include Interior Design and Green Building and Design practices creating a superior, sustainable and healthier environment for our clients.  (Information and photos furnished by Pacific Shorline, See www.PacificShorelineGC.com.

 Gary Harmon, your North County Realtor, specializes in helping buyers or sellers of  Carlsbad homes, Encinitas homes, Escondido real estate, or Oceanside homes for sale.  This includes  Carlsbad Ocean View Homes , and Encinitas Ocean View homes.Oceanside Ocean View Homes.  Gary also specializes in helping San Diego Seniors (over55) with  Ocean Hills Country Club homes, Emerald Lake Village, Rancho Carlsbad homes, Oceana homes or Seven Oaks and Oaks North homes

Top Online Exposure for Your North County Home

To get Carlsbad homes for sale, Encinitas homes, Oceanside homes for sale, and Escondido real estate sold for the highest price in the least amount of time, it is important to attract multiple competitive buyers through extensive online exposure.  To do so, I will make sure all of my listings are seen on all the key Internet sites.

Prudential California Realty Online Exposure

North County home buyers once searched the North County Times and San Diego Union for properties.  Now, 87% of these North County buyers start their search on the Internet.  And they don’t stop at one or two websites — they explore a whole range of online real estate destinations.  That is why I have created this blog (GaryHarmon.com) and my website (HomeInfoSanDiego.com) to insure that my clients will get the “most” exposure for their North County homes for sale.

I my online marketing and search engine optomizitation, I have made sure when North County home buyers do a Google Search that they find my sites and blog.  This allows me to get maximum exposure for your home.  Does it work?  I invite you to check the results for yourself.  Go to Google.com and type in a search term a buyer for your area might use.  For example terms might be as follows:  carlsbad homes or carlsbad homes for sale, encinitas homes, oceanside homes or oceanside homes for sale.  Other terms might be escondido real estate or escondido homes.  Try other things like carlsbad ocean view homes, encinitas ocean view homes, or oceanside ocean view homes.  If you are a senior, try things like north county over 55, ocean hills country club homes, san diego north county over 55, or emeral lake village.  You will the search results show my website or my blog on the first page of Google.  Now compare that with “any other” realtor’s search results.  Conclusion, if you want your home to be included in the 87% of where North County buyers are looking, contact Gary Harmon, your top North County Realtor.  Get maximum results and maximum exposure for your home today.  Give me a call, text, or email.

When you list with Gary Harmon, your property will be advertise on over 300 Internet websites including the following:

Aol.com
Arizona Republic
Chicago Tribune
Contra Costa Times
Cyberhomes.com
Desert Sun
eRealInvestor.com
FrontDoor (HGTV)
Google
HotPads.com
Homefinder.com
Homes.com
Kiplinger
LATimes.com
LuxuryRegistry.com
Mercury News
Miami Herald
Monterey County Herald
MSN
NewYorkTimes.com
OCRegister.com
Oodle.com
Prudential.com
PrudentialCal.com
Realtor.com
Relocation.com
San Francisco Chronicle
SignonSanDiego.com
Trulia.com
U.S. News and World Report
Wall St. Journal
Washington Post
Yahoo Real Estate
Zillow.com

San Diego North County Home Sales Rebound

Prudential California Realty - Gary Harmon

More California Communities Report Rising Sales Volume & Prices.

The dramatic price declines of only a few years ago are quickly rebounding as more communities in California report rising sales volume and prices for both May and June.  According to the California Association of Realtors® (CAR), as of May 2010 the median home price in California is $324,430. Home prices statewide have recovered 32% from the trough set in February 2009, when the median home price was $245,230.  CAR also found that housing sales volume increased 1.2% in May 2010, while the median price of a home rose 23.2% compared with the same period a year ago.  In San Diego County the median price of a home rose 19.8% from March 2009 to March 2010.  That was from $326,830 to $391,410.

The San Diego North County real estate market is considered being balanced when there are six months of inventory on hand. Market cinditions 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.

San Diego coastal community continue to show high demand with only limited listings of inventory.  If you are trying to buy a Encinitas ocean view home, Carlsbad ocean view home or Oceanside ocean view home, contact someone  that knows the area, contact Gary Harmon, your ocean view Realtor.

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 Business Journal ranks Prudential California Realty #1

What makes Prudential California Realty number one in volume in San Diego County for 14 straight years.   See how Prudential compares with other real estate companies in the San Diego Business Journal rankings below.

  • Great customer service and communications.
  • Prudential California Realty has the most productive agents in San Diego North County.
  • High-end professional marketing image.  Prudential Realty is part of the larger Warren Buffett Company, Berkshire Hathaway.
  • We have multiple office locations for convience of our customers.
  • Great hands-on management.   Most managers have been with Prudential California Realty for many years.
  • Company and management’s are committed to continuous training.
  • Prudential California Realty has  the famous Prudential brand recognition.
  • Prudential leads the industry in marketing and technology support.
  • Prudential California agents have talent and commitment to the industry. Gary Harmon, your North County Realtor, has been with Prudential for over 20 years.

J D Powers just ranked Prudential Real Estate #1 for 2010.  See  J D Powers and Associates.

Prudential California Realty - Gary Harmon

Don’t work with the rest when you can have the best.  Team up with the Gary Harmon team.  Contact Gary Harmon, your North County real estate expert.

Escondido Real Estate Area- Stay Cool

Stay Cool in San Diego North CountyIf you live in the Escondido real estate area or another area of San Diego North County homes, you know that June gloom has turned to July fry.  Here are some common sense ways to stay cooler this summer in San Diego. 

  • Even if you do not feel thirsty, drink more fluids than usual.  During heat emergencies, water is the safest liquid to drink.
  •  Avoid drinks with caffeine or alcohol. They make the heat’s effects on your body even worse.
  • Eat small meals and eat more often. Avoid foods that are high in protein, which increases metabolic heat.
  • Unless directed to do so by a physician, avoid using salt tablets.
  • If you take diuretics, ask your physician about a lower dosage during hot weather.
  • Slow down. Be your most physically active during the coolest part of the day, usually between 4 a.m. and 7 a.m.
  • When engaging in physical activity, pace yourself.
  • Avoid using the oven.  Great time to go out for a good meal.
  •  Air out hot cars before getting into them.
  • Never leave children or pets inside vehicles at any time, even with the windows cracked. 
  • Wear lightweight, loose-fitting, light-colored clothing. Light colors will reflect away some of the sun’s heat.
  • Stay indoors as much as possible. If air conditioning is not being used, stay on the lowest floor.
  • Keep shades down and blinds closed, but windows slightly open.
  • Electric fans do not cool the air, but they do help sweat evaporate, which cools your body.

The above comments are compliments of the Coast News and are general tips.  Be sure to consult your health care professional before making any medical related decisions.   If you are interested in Escondido real Estate or San Diego North County homes, contact Gary Harmon, your North County Realtor.

San Diego Fireworks

San  Diego Fireworks

This information about San Diego Fireworks places and times is provided to you by California Title Company, one of Gary Harmon’s Winning team members.

San Diego Fireworks

If you are interested in San Diego fireworks around the San Diego Bay, read on.

San Diego Fireworks

The above list included Carlsbad fireworks, Vista fireworks, Escondido fireworks, and San Marcos fireworks.  Hope you have a great Fourth of July and enjoy the shows.  For information on San Diego North County homes, contact Gary Harmon, your North County Realtor.

San Diego County Homes Foreclosure Comparison 2009 vs 2010

San Diego County Homes Notice of Defaults

The following table shows how many notices of default were sent out in San Diego County by month, 2009 vs 2010.  A notice of default is the official notice the lender gives the San Diego home owner letting them know they may be taking the home back.  After the notice of default, it is 120 days until the bank can officially foreclose.  Looking at the table below you can see that the number of notices of default are down considerably in 2010. 

San Diego County Homes Foreclosures 

San Diego County home foreclosures are the actual number of homes the bank took back through the foreclosure process.  These numbers have increased considerably since 2009.  This basically indicates that the banks have been slow to approve the short sales and have just chosen to take more and more homes back through the foreclosure process.  

 To find San Diego North County foreclosures see Gary’s Free Foreclosure Search.  This also shows homes that have notices of default filed.  Information is provided by Foreclosure Radar.   For more information about San Diego North County real estate or to buy or sell a San Diego North County home, contact Gary Harmon, your North County 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