27885 Mazagon, Mission Viejo - Move In Special!

This spacious condo located on Mission Viejo Lake is ready for you to call it home!   Recently renovated with Hardwood Floors, Plush Carpet and Designer Paint and offering a great Move In Special of $300 off the 1st Month, with a April 1st Move In (O.A.C). 

Contact Kelly Today to schedule a showing!  

27885 Mazagon- Live The Mission Viejo Lake Lifestyle

Check out our newest lease listing available in Mission Viejo.   It is a great floorplan, recently updated with new Hardwood Floors, Plush Carpet and Freshly Painted.  You'll love the Spacious, Open and Bright Floorplan. 

Details include:

• 2 Bedroom/2 Bath
• Spacious Loft
• Lot's of Storage
• Gated Community
• Garage
• Mission Viejo Lake Access
• 1350 sq.ft.

 

For a showing, contact Kelly today!

Yay - C21 Award is #1 - Thanks Singles!

Just a quick note of thanks to our clients for helping make our office #1 in the Century 21 World.   Out of 7700 offices our office is #1.  That is amazing especially in such a tough real estate ecomomy.  I could have been a part of it without you!  So thank you!

http://www.youtube.com/watch?v=EsanmPJ_VJo

Thank you!

Just Listed For Rent - 27885 Magazon Mission Viejo

Have you always wanted to live on the Lake in Mission Viejo.  This is your chance.   Check out this lovely 2 bedroom Condo with Lake Views and all the amentities that come with it!

http://www.postlets.com/rts/4804275

Coming Soon - Lovely 2 bed/2bath Condo for Lease in Portola Hills.

Coming soon, a great condo listed in the community of Portola Hills in the Canyon View Complex.

2 bedroom/2 bath
Attached Garage
Large Private Yard

Designer touches throughout!

Rent:  $1675.00

Terms apply, contact Kelly for details

Available 12/1/10

Kelly Just Listed a Lovely 3 bedroom Townhome available in Mission Viejo

Looking for a place to rent, then you will want to contact us for detail on this this lovely lease.

Located in Mission Viejo  - Coral Gardens Complex - walking distance to Lake Mission Viejo

3 bedroom /3 baths
2 car garage
Huge yard
Remodeled Kitchen, Wood/Ceramic flooring thru-out!
1543 sq. ft End Unit

Contact Kelly for details!

Enjoy Jazz under the starts at Saddleback Church

Singles looking for something new to do this August, this sounds like fun!


JAZZ UNDER THE STARS AT THE REFINERY
(These concerts are free and go from 8-9pm)

Join the Singles for 6:30 Service in the Main Worship Center before the Concert
(We will have a special section reserved toward the back of the right section)

August 2: Greg Vail and Blake Aaron-Together!
August 9: Billy Mitchell
August 16: Tony Guerrero Band & Bill Cantos
August 23: Derek Bordeaux
August 30: Saddleback Big Band

Why not bring a chair or blanket at 6pm and stake your out claim to a seat for the Concert?

Who would have thunk, Irvine is the place Singles want to live?

Saw this article today in the O.C. Register and have to agree. Though the city of Irvine is often described as a "family" town, it is also a sought after home location for many singles. The reasons why my home buyers have sought homes in this community are as follows:

• Location to the 405/5 freeways provides easy community to work, plus conveniently located to other social hubs, i.e. Newport Beach, Laguna Beach, etc.

• Community provides wide range of social amenities, with shopping, restaurants, movie theatres, etc.

• Design of homes offer diverse floor plans with in home offices, open living spaces, etc, i.e. no formal livings rooms, geared toward a more social demographic.

Of course, remember if you are a single home buyer looking to move to Orange County, Kelly is here to help. Our primary focus is the Single Community why because we understand single home buyers and homeowners have different priorities and goals. Though you may be looking for the "white picket fence" you also may not want to live across the street from a school.

Please do not hesitate to contact Kelly today for a complimentary review of your Real Estate Possibilities and your free Real Estate Report "The Power of One" Don't forget the $8000.00 tax credit available for first-time home buyers is scheduled to expire at the end of the year. Single-First-Time Home Buyers don't let this opportunity slip away from you.

Remember, It's Possible!

Inspiration for Singles In Financial Crises

When you are in the midst of a crises, don’t focus on what you are losing.....

Trust and feel blessed that what is coming will be profoundly better!

Singles Helping Singles Network Event

This is what I like to see, Saddleback Church Singles has created a group Singles Helping Singles.

Do not miss our special Networking Mixer:

Come participate*** Promote and advertise***Share your wants and needs***Network your business***Make new Christian Friends!***Enjoy!

**Promotional Spotlight: Reserve your One Minute Presentation.
Get the word out! State your case.

**Special Display Tables: Bring your Pass-Outs, Flyers and Business Cards to display.

**Business and Social Mixer: Have fun meeting others and making Friends.

**Win Prizes!! Donate Prizes!


Sunday June 14th, 2009 at 5:30

contact: Elementevents@Saddleback.net

Rent vs. Buy in 2009

Excellent information for renters who are considering buying their first home. Best time to buy since 2003!


http://www.car.org/economics/currentresearch/2009rentversusbuyanalysis/

First Time Home Buyers-Do you see the opportunity before you?

More exciting news was released today for first-time home buyers. The California Assocaition of Realtors has developed a program to help ease the concern with jobs, which is one of the biggest concerns first time Home Buyers have today when taking the step towards homeownership.

The program is called the C.A.R. Housing Affordability Fund Mortgage Protection Program (C.A.R.H.A.F. MPP) and offers first-time home buyers who lose their jobs due to layoffs may be eligible to receive up to $1,500 per month for up to six months to help make their mortgage payments. A qualified co-buyer also can participate in the program, for a reduced monthly benefit of $750 per month for up to six months in the event of a job loss. Program benefits also include coverage for accidental disability and a $10,000 death benefit.

The associaion is dedicating $1 million to the program this year, and estimates that as many as 3,000 families will benefit from the program throughout 2009.

Requirements of the program include:

• Be a first-time home buyer – someone who has not owned a home in the last three years.
• Open escrow April 2, 2009, or later, and close on or before Dec. 31, 2009.
• Use a California REALTOR® in the transaction.
• Purchase the property in California.
• Be a W-2 employee (cannot be self-employed or military personnel)

First-time home buyers must request an application for the H.A.F. Mortgage Protection Program from their REALTOR®.

This is so exciting for first-time buyers, along with the new $8000.00 tax credit, reduced interest rates and home pricing at 2003 levels, the stars are aligning to ensure success for first time buyers in this incrediable market.

If you are consideirng buying your first home, please give Kelly a call. It is her passion to help first-time buyers take the steps towards homeownership. She is here to help you every step of the way.

Economic Impact on Single Women

Received this great information on the how the current Economy is impacting Single Women and the numbers are surprising. For more detailed information, check out one of my favoriet web-sites www.WVWV.org

Make sure the person and or people you are voting for in your community are taking these figures into account. Personally, I think little has been spoken about Singles and if there has been any discussion it is not normally with Single Women. Yet is is a huge demographic that should not be overlooked.

• Income:
  Unmarried women earn only 56 cents for every dollar that married men make. [Center for American Progress, 4/25/08]
  
• According to analysis of data from the Panel Study of Income Dynamics for individuals 25 to 61 years old, female-headed households have twice the likelihood – 13.5% - of seeing a 50% greater drop in their income than male-headed households’ probability – 6.6% - of such a drop. The probability of a major income drop for female-headed households has risen in the last two recessions. [“Taking a Toll: The Effects of Recession on Women,” Prepared by the Majority Staff of the Committee on Health, Education, Labor and Pensions, 4/18/08]Jobs:
  
• Single mothers’ unemployment rate rose from 6.7% in March 2007 to 7.1% in March 2008 – eclipsing the national average. [“Taking a Toll: The Effects of Recession on Women,” Prepared by the Majority Staff of the Committee on Health, Education, Labor and Pensions, 4/18/08]
• Retirement Security:
  Single women estimate needing a median amount of $500,000 by the time they reach retirement. However, more than one-third report that they have saved less than $25,000 for retirement, while only one in 10 report having saved more than $100,000. Only 69% of single women who work full-time report that their current employer offers them a 401(k) plan. Sixty-four percent of single women who work part-time have no retirement benefits offered to them by their employer. [Ninth Annual Transamerica Retirement Survey, 9/17/08]Savings:
  
• Female-headed households are at a distinct disadvantage in recessions because they have fewer savings to draw upon. In an analysis by Harvard Professor Mariko Chang of the net worth of all unmarried women, he found that their median net worth was $12,900 – less than half the $26,850 for unmarried men. He found that the wage gap is the primary cause of this inequality of wealth – accounting for 39% of the disparity for never-married households and 18% of the disparity for divorced households. [“Taking a Toll: The Effects of Recession on Women,” Prepared by the Majority Staff of the Committee on Health, Education, Labor and Pensions, 4/18/08]

• Bankruptcy:
  Single women are the most likely demographic group to file for bankruptcy and comprise 40% of all bankruptcy filings. Single women with children are even more likely to file for bankruptcy, at an estimated rate of 21 out of every 1000 families. [Dunleavey, M.P. , “Seven Ways to Fight Off Bankruptcy,” MSN Money]Poverty:
  
• More than half of all poor adult women - 54 percent - are single with no dependent children.
• Twenty-six percent of poor adult women are single women with dependent children [“The Straight Facts on Women in Poverty,” Center for American Progress, 10/08]Housing:
  
• About 43 percent of single women were using more than 30 percent of their income each month on housing payments, compared to the 30% of unmarried men and 25% of married couples who were spending more than 30 percent. [Joint Center on Housing at Harvard University]
  
• Single women have been among the fastest-growing groups of homeowners in recent years. In Baltimore, single women accounted for 40% of home sales in 2006, twice the national average. Nearly half of these mortgages were subprime, according to the National Community Reinvestment. [New York Times, 1/15/08]

Remember, if you have Single Female in need of help, we want to help here. So post your questions, concerns, needs here.

One area we can make an impact in is in the Foreclosure rate, if you currently own a home and want advice on how to keep it, contact Kelly today. Through a Loan Modification may just be the thing to help you save your home and Kelly has added this to her business services with Singles in mind.

Lake Forest called O.C, Hottest Housing Market

I found this fascinating article today:

The number crunchers at Real Estate Economics in Irvine have their third-quarter local housing market rankings out. The results parallel what we’ve been reporting: Strength has moved inland!Lake Forest called O.C.’s hottest housing market - Lansner on Real Estate - OCRegister.com, Oct 2008

check it out at the OC Register.com.

 

Is there a Possiblity of Saving Your Home?

I am pleased to announce that after careful consideration, I will be offering a new service Mortgage Review for my clients. Throughout the past year, I have been asked by our valuable clients on what is the best move with their mortgage and have been happy to provide directions.

With the current market conditions the number of short sales and foreclosures have increased and this makes me sad when I see most would like to keep their home, but feel there are no options. So in response I have decided to include as one of my services the option of Loan Modification and have aligned my self with a company who has great success in just that. Our goal is to save your home! If you currently have negative equity, worried about your loan being reset, see trouble on the horizon and would like to KEEP YOUR HOME, then we may be able to help.

As always my goal and service pledge is to understand your long and short term goals and help you achieve them. I am not just a Real Estate Agent, rather a Realtor who's business structure is geared towards all your Real Estate needs.

Please do not hesitate to contact me with any questions

Warm regards,

Kelly

Single Home Buyers - The stars are aligning in your favor!

Mortgage Rates Have Dropped Dramatically!

On September 11, 2008, Freddie Mac released the results of its Primary Mortgage Market Survey^® (PMMS^®) and report that the 30-year fixed-rate mortgage (FRM) averaged 5.93% for the week end, down from last week when it averaged 6.35%. Last year at this time, the 30-year FRM averaged 6.31%.

The 15-year FRM this week averaged 5.54% down from last week when it averaged 5.90%. A year ago at this time, the 15-year FRM averaged 5.97%.

This along with the temporary tax credit and reinstatement of Down Payment Assistance Programs are all great opportunities you will want to tap into if you are considering buying a home.

Kelly Turbeville is one of South Orange County premier Realtors® focusing in the Saddleback Valley and the communities of Lake Forest, Portola Hills, Foothill Ranch, Whether she’s helping a first time buyer accomplish the goal of homeownership, or coaching a homeowner on how to use their equity to step up into a nice home or use it to buy an investment property or finding exclusive properties for the high end consumer. Kelly is committed to making it happen. So if you’re considering selling or buying a home in Saddleback Valley, call Kelly to schedule a free consultation. Whatever your dream, with Kelly at your side, Its Possible!

The above information is provided as an opinion and is deemed reliable but not guaranteed.

Portrait of a First Time Home Buyer

Have you heard the news, today’s real estate market is open for First Time Home Buyers. In fact just about 40% of new buyers in 2007 were First Time Home Buyers and the National Association of Realtors gives us a pretty good look at where those buyers came from.

Do you fit this profile?

• Status: 51% Married couples, 11% Unmarried couples, 25% Single Female, 11% Single Male
• Age: 52% were age 24 – 35 with 21% aged 35-44
• Income: $68k Married, $68k Unmarried Couples, $44k Single Female and $52k Single Male. Interesting Single Women earn an average of $8k less but purchase 14% more homes then Single Males.
• Down Payment/Mortgage: 73% used own savings, 22% received gift funds, 98% uses a mortgage to finance the purchase and 81% chose Fixed-Rate Mortgages.

Have you thought about buying your first home and know the window of opportunity is here, than we hope the above description gives you an idea that it is possible. Of course, all the rules apply, good credit, not over extending yourself and working with a trustworthy lender and Realtor® who understands the programs that are available for first time home buyers.

Though the lending standards are a bit more complicated, which I believe is a good thing for first time home buyers, there is the added benefit of the new FHA limits. In Orange County that limit is up to $729k. But keep in mind this program is currently only available till the end of 2008. So if buying your first home is something that you are considering then we want you to know, It’s Possible!

Kelly Turbeville is one of South Orange County premier Realtors® focusing in the Saddleback Valley and the communities of Lake Forest, Portola Hills, Foothill Ranch, Whether she’s helping a first time buyer accomplish the goal of homeownership, or coaching a homeowner on how to use their equity to step up into a nice home or use it to buy an investment property or finding exclusive properties for the high end consumer. Kelly is committed to making it happen. So if you’re considering selling or buying a home in Saddleback Valley, call Kelly to schedule a free consultation. Whatever your dream, with Kelly at your side, Its Possible!

The above information is provided as an opinion and is deemed reliable but not guaranteed.

Single home buyers, are you paying attention - The Clouds Are Parting!

Am I reading right - The media on the Real Estate Market is Turning Positive

It has been said that negative news sells and I agree with that to some extent but when the facts begin to turn the tide, it is great to read some positive changes in the local Orange County real estate market. It has been rare to hear anything objective or positive come in the media regarding housing, but lately there is a glimmer of hope. Recent headlines:

“Demand for O.C. Housing surpasses 06” – I think every home seller that has their house listed at market value are jumping for joy as there are certainly signs of traffic increases, multiple offers and reduced inventory. All good signs!

You can also ask the buyer’s who are competing with multiple offers or who have several offers out hoping to take advantage of the great rates and low pricing.

“O.C. seen undervalued, first time since 2003” – This is great news for home buyers. What does this mean, the report indicates local homes as relative bargains to broad economics since the second quarter of 2003. It’s also the largest undervaluation since the final three months of 2002.

“O.C. Affordability Jumps in 1st Quarter of 2008” – Of course with the reduced value, affordability would increase but the numbers are surprising. Orange County homes that a median-income family could afford doubled in the first quarter of 2008 to 17.4%, up from 8.4% in the fourth quarter of 2007. In addition, the number of first time home buyers has increased dramatically in California with 36% of local households could afford an O.C. starter home during the first three months of the year, up eight percentage points from the last quarter of 2007. Nationally the number is 39%, with 25% of those being Single Women and 11% Single Men.

I often say to home buyers “what sign are you looking for to know when it is a good time to buy”. Believe me, I would love the clouds to open up and a voice from Heaven say – It is time to buy. But of course that is not going to happen.

The details that home buyers need to focus on are:

• How do the numbers look for you?
• Are your plans to buy with secure financing?
• Are you in a stable job, can you project your finances for a couple of years?
• Review the difference between higher interest rates and lower pricing or the opportunity to have lower pricing and lower interest rates.
• What are the strengths of the local economy, what are the recovery opportunities.

If you consider these questions and can answer these questions with confidence then what are you waiting for. The pent up demand is starting to show results and that is something as a home buyer you don’t want. The interest rates and loan availability are improving, but there is of course talk of higher interest rates and that is something as a home buyer you don’t want.

Then there is selection, as the demand picks up the homes that are priced well with the nicer features are going quickly and what is left is distressed quality and no matter what buyer’s do consider this as one of the top three factors.

So if homeownership is one of your goals, the window of opportunity you have been waiting for is here. Stay focused, do your research and go for it. Remember, Its Possible!

Kelly Turbeville is one of South Orange County premier Realtors® focusing in the Saddleback Valley and the communities of Lake Forest, Portola Hills, Foothill Ranch, Whether she’s helping a first time buyer accomplish the goal of homeownership, or coaching a homeowner on how to use their equity to step up, use it to buy an investment property or finding exclusive properties for the high end consumer. Kelly is committed to making it happen. So if you’re considering selling or buying a home in Saddleback Valley, call Kelly to schedule a free consultation. Whatever your dream, with Kelly at your side, Its Possible!

The above information is provided as an opinion and is deemed reliable but not guaranteed.

Courting Single Women - Take Notice

Have you noticed lately that there is a lot of talk on the streets about courting Single Women and I am not talking about the dating! What’s all the buzz about, Real Estate and Politics, why because the numbers are impressive: Single women are the fastest growing demographics buying real estate today with 22% and then there is the Political arena, where single women compose of 26 percent of voters, that is 1 in 4.

So girls we need to get out there and vote, take a stand and continue on the path to improve opportunities for us and the girls that following. Below is a listing of web-sites and resource that you may find interesting, I know I did!

Women's Voices, Women Vote

Every Women Counts

National Association of Women Business Owners

Women Entrepreneur

Kelly Turbeville is one of South Orange County premier Realtors® focusing in the Saddleback Valley and the communities of Lake Forest, Portola Hills, Foothill Ranch, Trabuco Canyon, Mission Viejo and Rancho Santa Margarita. Whether she’s helping a first time buyer accomplish the goal of homeownership, or coaching a homeowner on how to use their equity to step up into a nice home or use it to buy an investment property or finding exclusive properties for the high end consumer. Kelly is committed to making it happen. So if you’re considering selling or buying a home in Saddleback Valley, call Kelly to schedule a free consultation. Whatever your dream, with Kelly at your side, Its Possible!

The above information is provided as an opinion and is deemed reliable but not guaranteed.

Benefits of Proper Pricing, When Listing Your Home!

If you are considering listing your home, one of the most difficult decisions you will have to make will be how to price it. Proper pricing is the key to getting your home sold and providing you with the greatest profit.

The first thing to know is your Realtor® does understand that you want the most profit possible. Secondly that it is your “home” so there are a lot of emotions tied to it.

When it comes down to figuring out how to price it your Realtor® will guide you in determining what is happening in your local market. But determining the price is a team effort. Of course the standard, location, amenities and competition all are very important, but there are some intangible aspects that proper price provide that will get the seller with best results.

Benefits of Proper Pricing:

• Faster Sale
• Attracts “cleaner” financing
• Increased buyer response
• Less inconvenience, attracts serious buyers
• Better return on advertising efforts
• Attracts higher offers
• Ultimately providing More money to sellers

Now you may think these points are common sense but they are often not considered as sellers only focus on getting that high price. Resulting in the home sitting on the market, receiving low ball offers, not getting financing approved and ultimately the seller feeling extremely frustrated.

Price it right = $$$$ in your pocket!

Kelly Turbeville is one of South Orange County premier Realtors® focusing in the Saddleback Valley and the communities of Lake Forest, Portola Hills, Foothill Ranch, Trabuco Canyon, Mission Viejo and Rancho Santa Margarita. Whether she’s helping a first time buyer accomplish the goal of homeownership, or coaching a homeowner on how to use their equity to step up into a nice home or use it to buy an investment property or finding exclusive properties for the high end consumer. Kelly is committed to making it happen. So if you’re considering selling or buying a home in Saddleback Valley, call Kelly to schedule a free consultation. Whatever your dream, with Kelly at your side, Its Possible!

The above information is provided as an opinion and is deemed reliable but not guaranteed.