Sea Cliff Homes Carlsbad

Have you every wanted to live in a Carlsbad Ocean View home.  Now you can!  Get real California living and a resort lifestyle in the gated Sea Cliff homes community of Carlsbad, California.  You can lay in the sun at one of the two pools, dip you toes in the blue Pacific Ocean, or take a sunset stroll along one of Carlsbad’s many beautiful beaches.   This extraordinary complex of Sea Cliff homes features walking paths that wind by several lakes, lush grassy lawn open areas, streams, and many fountains.  Inviting benches are placed in strategic locations for enjoying the scenic views.  Bridges cross gurgling streams that lead to swimming pools.  Situated near one of the pools is a large pavilion.  It is perfect for residents partying and entertaining.  The other swimming pool has an adjacent indoor clubhouse which is perfect for resident activities like card games.   Sea Cliff home owners can also rent it for private parties.  There are two tennis courts, a play ground area and picnic areas.

Sea Cliff Homes

There are many mail kiosks throughout the community that have bulletin boards for community announcements and also serve as an informal way to meet up with your friendly neighbors.  Many Sea Cliff homes enjoy panoramic ocean views, canyon views, or views over the greenbelts and lakes.  Some Sea Cilif homes look out over Batiquitos Lagoon and the ocean.
The well maintained Sea Cliff homes within this community are both single level and two story models ranging from about 1180 esf up to 1680 esf.  Some of the homes have been expanded and are even larger.  Each Sea Cliff home Carlsbad has its own private gated court yard entry.  The front yards are all maintained by the Sea Cliff homeowners association  making these easy care homes perfect for second homeowners, seniors, owners  that travel, and those that just don’t want to be bothered with yard work.  This quiet gated community is located only a half mile from the entrance to South Carlsbad State Beach.  Poinsettia Shopping Center is only a mile away.  Whether you are looking for a primary home or second home, Sea Cliff , Carlsbad homes for sale are a great place to live.
For a personal tour of Sea Cliff Carlsbad Ocean View Homes, contact Gary Harmon, your top Carlsbad Realtor.

Enjoy the following video of Sea Cliff homes Carlsbad.


Prudential California Realty – The Rock You Can Rely On!

Gary Harmon has been selling San Diego North County homes since 1989.  All of this time he has been with Prudential California Realty.

See Prudential Video – The Rock You Can Rely On!

See Prudential Video – Online Seller Advantage

If you want someone you can rely on, contact Gary Harmon, Prudential California Realty Carlbad. 

See what is available in San Diego North County now!  Use the friendly searches below:

Gary services all areas of San Diego North County including   Carlsbad homes, Oceanside homes for sale, Encinitas homes, Vista, San Marcos, and Escondido real estate.   Gary also specializes in San Diego Ocean View homes and  San Diego North County homes for over 55Contact Gary Harmon for your free personalized tour of any San Diego North County homes.

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.

Who is HomeServices Lending?

Gary Harmon, with his 20 years of experience in the San Diego North County real estate market, has put together a top group of winning team members. Members are California Title Company, Pickford Escrow, HomeServices Lending, First American Home Warranty, Disclosure Source, and Prudential California Realty, all backed by the power of Warren Buffett.  See the video below on HomeServices.

Home Services Lending is an affiliate of Wells Fargo Home Mortgage, a AAA-rated company.   As both a Wells Fargo affiliate and a mortgage broker, HomeServices Lending has a network of banks and financial institutions to ensure you get the program you want at  the interest rate you deserve.  I have choose to work with Curtis Fox.  Curtis’ experience combined with his consummate professionalism, make him your best choice for a mortgage consultant.

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.

Benefits of a VA Loan in San Diego North County

When buying  San Diego North County homes, what are the benefits of using a VA loan.  See benefits below picture.

Oceanside homes for salePurchase 100% LTV for loan amounts up to $537,500

  • Rate/term and cash-out refis up to 90%
  • Loan Amounts to $1.5 million
  • Entire down payment may be gifted
  • Seller contributions allowed for debt payoff and closing cost
  • VA Funding fee may be a seller credit
  • Not reserve requirements
  • No monthly MI
  • No declining market reductions
  • VA Streamline Refis – No Appraisal – No Income – No Assets

Do you qualifiy for a VA loan on you next San Diego North County home?  Contact Gary Harmon, he will put you intouch with a top VA lender on the Gary Harmon team.

Benefits of an FHA Loan

What are the main benefits of an FHA loan or mortgage?  See answers under photo.

  • You can get a loan approval to buy a Carlsbad home or other San Diego real estate with a loan of up to $697,500.
  • San Diego buyers only have to put 3.5% as a downpayment.
  • The Carlsbad real estate seller can credit up to 6% for all closing cost ( recurring and non-recurring).
  • The North County buyer can get a gift from a family member which is allowed to cover all cash to close.
  • You can have a 640 minimum FICO score.
  • There are no declining market reductions to LTV.
  • The process is streamline: no appraisal, no cost refinance available (must be paying off FHA loan).

Any questions about an FHA loan, contact Gary Harmon.  He will put you in touch with an expert San Diego North County lender such as Charla Rueda of Conerstone Lending.

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.

San Diego North County Real Estate Facts – April 2011

Below the photo is a summary of current real estate conditions in San Diego North County.

• The median price for all North County home sales – attached and detached – increased from $358,000 in February 2011 to $393,500 in March 2011.
• Detached homes in North County rose 7.82 percent from $417,500 in February 2011 to $450,165 in March 2011, the largest monthly price increase in the past 12 months. Year-over median single-family detached homes in North San Diego County declined four percent, from $469,000 in March 2010, the second month of year-over declines following an 18-month trend of increases in median price (with the exception of August 2010).
• The number of single family detached North County listings (active and contingent) increased 3.93 percent to 4,626 ending March 2011, the third monthly increase. Year-over listings increased by 14.11 percent from March 2010.
• The number of sold North San Diego County SFD homes jumped 50 percent from February 2011 to March 2011 and increased 4.72 percent year-over from March 2010.
• Median days-on-market for single-family detached North County homes decreased from 69 days in February 2011 to 58 days in March 2011.

The above information on San Diego North County real estate was furnished courtesy of the North San Diego County Association of Realtors.   To get more San Diego home information, contact Gary Harmon, your San Diego North County Realtor.

Easter in San Diego – April 24

Sunday, April 24th, is Easter in San Diego.  Coloring Easter eggs and hiding them with our grandchildren is certainly one of the things we look forward to doing.  But where did the tradition of coloring Easter eggs start.  See answer under photo.

The ancient Zoroastrians painted eggs for Nowrooz, their New Year celebration, which falls on the Spring equinox. The Nawrooz tradition has existed for at least 2,500 years.  The egg painting custom was traditionally know as “Pysanka.”  The reason for painting Easter eggs in bright colors is that they represent the brigtht sunlight of spring time.  Fom me, they just look great and are easier found when hidden in hard places.  The egg is also the symbol of rebirth.  How appropriate since Easter is when Christ was raised from the dead which allows everyone that believes on him to have “rebirth.”  The Christian faith calls it being “born again.” 

The oldest tradition is to use dyed or painted chicken eggs, but a modern custom is to substitute chocolate eggs, or plastic eggs filled with confectionery such as jelly beans.  Americans spend about $2 billion on Easter treats and goodies while consuming 7.1 billion pounds.

To get help with San Diego North County real estate, contact Gary Harmon, your North County Realtor.