When considering the next big move, there are few things more important to families on the grow then what school district you are buying into. San Diego, CA is blessed with some of the State’s best in that regard. And, while there are many tools available out there to help you find and sort through different school options for your children, rarely are as easy to use as this one: SchoolMatters.com My favorite feature of this is the ability to quickly sort based on different strengths (like Math scores) and compare 2 or more at a time for a dialing down approach. Enjoy! And, the next time you are in a conversation with someone and they mention they are looking to relocate to the San Diego area, please feel comfortable introducing them to me for my help. Not out of obligation, but because you truly believe that I am their best option. Thanks! Jesse Ibanez 858-863-
Here’s a great story on how I can help you or someone that you might introduce to me. First time buyers are always a lot of fun to work with. I really identify with the nature of them existing inside of their dreams, and the passion they share throughout the process. It can also be one of the most stressful situations of their young lives. Brian and Nicole found that to be true for themselves when half way into the process, it was revealed that the entire sewage line needed to be replaced from the house to the street. No small task. It included going under two of our structures, tearing up the lawn & a deck as well as the neighbors yard! The cost wouldve been too much for them to bare, and it wouldve prevented them from moving into their dream house – a beautiful craftsman in the heart of San Diego, CA. It was not part of the contract the seller had agreed to … which is where I came in. Thanks to some great teamwork all around, and some quick negotiation, we were able to do the unthinkable: we got the seller to pay for it and had the whole thing fixed before they even got the keys. It was a huge undertaking but in the end, Brian and Nicole got what they wanted: their dream
I recently posted on Facebook that the Conforming Loan Limits were dropping. Many of my clients responded with a wide range of questions. It was quickly apparent was that there was some confusion. I found the confusion to be based in the terminology that was floating around. What one person called Jumbo, another knew as High Balance. Is there a difference between Conventional and Conforming? Why does this even matter? Here’s a quick description of what’s going on and how it will affect you and your loans for Buying, Selling or Refinancing. The Temporary Conforming Loan Limits are being lowered. The bottom line is this will affect how much money is available, and how much loans will cost. To understand why and how it will affect you, we should first define some important terms. Conforming Loans – Any loan that meets conforming guidelines is eligible to be bought Fannie Mae. This equates to a nearly endless demand for such loans resulting in quick access to relatively low interest rate $. Conforming Loan Limit -This is the maximum loan that will meet Conforming guidelines. Currently $417,000. This is staying the same. High Balance Loan Limit – aka Conforming Jumbo – These are loan amounts above $417,000 up to the amount determined by county. For example, San Diego is $692,500. These are the limits that are being lowered. Jumbo – aka Non Conforming – This is anything that doesn’t
This is why I specialize in Short Sales. No other type of client shows THIS much gratitude after receiving good news: “Jesse, You’ve absolutely made my year!!! I’m saving the voicemail so Chris can hear it too. I have a great picture to share with you guys, actually for the whole Green house team. It’s my “view from the kitchen” you and I were talking about. Ironic how the timing of that view is in sync with this news. Mahalo much!” – Thanks Matt Receiving Short Sale approvals from both banks on the same day, allowing this couple to achieve their fresh start, makes the last 4 months of hard work and tribulation soooo worth it. Who’s the person you know who would appreciate working with a team to get the most difficult of goals accomplished on time, safely? Perhaps you’d feel comfortable introducing them to us. Jesse@GreenMeansGrow.com
This one is a day maker from one of our newest clients, Bruce: “Jesse: Dude! You rock. Hope all is well, and it was a good weekend. Cheryl and I are still unpacking. It has been slow and we have both been working full time, but just this weekend we got to park the cars in the garage. Yes, it feels good! We love the new house and I still owe you a portion of the next batch of beer.” -Thanks Bruce! and I’ll take you up on the homemade beer anytime 🙂 #MoveUpBuyers Discover what Bruce did when he came in for his initial consultation: Sell your current home, for less than what you thought = yes. BUT, trade up for a larger, more spacious home for MUCH less than the loss you took to get out of your smaller one! I love that thought. Who is the next person you know who would love to own a bigger home and pay half of what it was worth in the peak? Jesse@GreenMeansGrow.com
First Time Buyers are so grateful = just love em: “YAYYYY!!!! Jesse you are amazing. We have signed it and sent it your way. Thank you, Oswaldo” #Firsttimebuyers Jesse@GreenMeansGrow.com
Love getting emails like this from #ShortSale clients: “Im so blessed to have you guys… Thank for all your hard work. Now I know why these things fall through all the time” Thanks Natalia!
Love getting emails like this after a day of successful negotiations: “wow, yeah it was wild! thanks for all your work Jesse! I sent emails to my parents telling them they need to send you xxxxxxx, that should be done soon. I guess now we just sit back and have a scotch and hope for the best right? lol.. thanks again, so glad I’m working with you guys! -D” And we love working for you. Who’s the next person you know who would like to pick up a new crib to call home? Perhaps you could let them know about us by sharing this post with them. Thanks! Jesse Ibanez, Negotiating Extraordinaire 858-863-