Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review.

(Your Realtor, Terri)

Over 40 years of solid customer service and outstanding performance throughout Eastlake, Chula Vista, and San Diego County, these ladies have become a greatly sought out powerhouse within the Century 21 Real Estate Franchise, worldwide!  Their skill, real estate knowledge, dedication, and focus towards each client’s needs are never compromised.

Terri enjoys spending quality time watching the sun set over The Sweetwater Lake with her husband of almost 30 years and her college age daughter.   She loves fine dining or a simple barbeques.  If she isn’t too busy with her community charity work, you’ll find her grabbing an old black or white movie to sit and relax with……. or making a mad dash to Downtown San Diego Civic Center to watch the latest theater show that hit this town. …Phantom of The Opera is her favorite.

Terri is a proud member of the La Paloma Eastern Star and Foothills Republican Women Federated, just to name a few.  She gives back an enormous amount to many different causes especially those that promote the health and well being of our seniors.    Recently, Terri was co-recognized by our military for her heartfelt and outstanding efforts in sending 100’s and 100’s of care packages to our troop abroad.

(Your Realtor, Linda)

At the young age of 16 years old, Linda attended real estate school and was well on her way in becoming a Realtor once she reached the legal required age of 18 years old.  She became a real estate teacher, mentor, and manager for Century 21 at the age of 21.  Linda found these demanding positions important to enhance the quality of the real estate profession.  However, she felt nothing was more satisfying than or as important in real estate as servicing clients and customers with skill, knowledge and care. 

Linda enjoys spending most of her free time working out in the gym or supporting different charities.  Linda has an overwhelming passion in helping animals of all kinds and supporting our military troops.  One of her most touching rescue stories was of 3 starving horses that she found while help rescuing people and animals during our last massive wildfire.  She was able to get food and medicine to the horses, it took months but they recovered.  When it comes to our troops, Linda is usually spearheading any program in support…she certainly appreciates and respects our men and women in uniform.

Terri and Linda are proud of their accomplishments in real estate and in their community work.  They have earned an enormous amount of real estate awards from “Quality Service” certificates to “Double Centurion” trophies within their vast 40 year career.  They both were honored by the United State of American Armed Forces for their support.  Terri and Linda were presented with an American flag that was flown in their honor in the Green Zone, Baghdad Iraq.  It was one of Terri and Linda’s proudest moments.

(Your Lender, Sherice)

Born and raised right here is beautiful San Diego, Sherice Grainger has become one of the most prominent lenders in our community. She is presently employed at Paramount Equity where its experience and expertise will benefit those who seek a new loan or refinancing.

Sherice comes from a large San Diego family deeply rooted in community service and devotion. Sherice’s 92 year old great grandmother resides in San Diego. Sherice’s grandmother has 9 children, 5 boys and 4 girls including a set of twins. On July 14^th, 2010 Sherice and her fun loving Panamanian husband Reggie gave birth to their cute bundle of joy, Chloe…. making it FIVE living generations in this powerhouse San Diego based family!

Sherice is known to show the utmost commitment and compassion towards each and every client, but the U.S. Military holds a special place in her heart. Sherice’s grandfathers both served in the Navy, her husband served TWICE (Marine and Army Guard) and her two twin aunts are active military duty. Aunt Kelly is in the Army and Aunt Terri is in the Air Force. Sherice has been a strong supporter and contributor to Paws for Purple Heart Wounded Warrior and their Service Dogs. She is also known for collecting canned food for the San Diego Food Bank. Our community greatly benefitted from her passionate charity work.

Sherice is an avid reader. After taking loving care of her clients, Reggie and the amusing and energetic Chloe, you might catch her reading the works of Shurtleff Holmes. If she is not reading, you’ll probably catch her humming a song composed by the talented Prince, her favorite artist. Most people that know Sherice can confirm, she loves to restaurant hop in search of discovering new foods…but sushi and steak are always pleasurable to her pallet.

Her father instilled a special core value in Sherice at a young age “We all have emotional bank accounts. The people in your life will either make a positive impact deposit or will withdraw a negative impact and you want to be the person making an emotionally positive deposit into the lives others. Sherice attends the well known “Rock” church which continues to reinforce this message.

Connect to Century 21 Award NOW.

Connect to Paramount Equity NOW

Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review.

(Your Realtor, Terri)

Over 40 years of solid customer service and outstanding performance throughout Eastlake, Chula Vista, and San Diego County, these ladies have become a greatly sought out powerhouse within the Century 21 Real Estate Franchise, worldwide!  Their skill, real estate knowledge, dedication, and focus towards each client’s needs are never compromised.

Terri enjoys spending quality time watching the sun set over The Sweetwater Lake with her husband of almost 30 years and her college age daughter.   She loves fine dining or a simple barbeques.  If she isn’t too busy with her community charity work, you’ll find her grabbing an old black or white movie to sit and relax with……. or making a mad dash to Downtown San Diego Civic Center to watch the latest theater show that hit this town. …Phantom of The Opera is her favorite.

Terri is a proud member of the La Paloma Eastern Star and Foothills Republican Women Federated, just to name a few.  She gives back an enormous amount to many different causes especially those that promote the health and well being of our seniors.    Recently, Terri was co-recognized by our military for her heartfelt and outstanding efforts in sending 100’s and 100’s of care packages to our troop abroad.

(Your Realtor, Linda)

At the young age of 16 years old, Linda attended real estate school and was well on her way in becoming a Realtor once she reached the legal required age of 18 years old.  She became a real estate teacher, mentor, and manager for Century 21 at the age of 21.  Linda found these demanding positions important to enhance the quality of the real estate profession.  However, she felt nothing was more satisfying than or as important in real estate as servicing clients and customers with skill, knowledge and care. 

Linda enjoys spending most of her free time working out in the gym or supporting different charities.  Linda has an overwhelming passion in helping animals of all kinds and supporting our military troops.  One of her most touching rescue stories was of 3 starving horses that she found while help rescuing people and animals during our last massive wildfire.  She was able to get food and medicine to the horses, it took months but they recovered.  When it comes to our troops, Linda is usually spearheading any program in support…she certainly appreciates and respects our men and women in uniform.

Terri and Linda are proud of their accomplishments in real estate and in their community work.  They have earned an enormous amount of real estate awards from “Quality Service” certificates to “Double Centurion” trophies within their vast 40 year career.  They both were honored by the United State of American Armed Forces for their support.  Terri and Linda were presented with an American flag that was flown in their honor in the Green Zone, Baghdad Iraq.  It was one of Terri and Linda’s proudest moments.

(Your Lender, Sherice)

Born and raised right here is beautiful San Diego, Sherice Grainger has become one of the most prominent lenders in our community. She is presently employed at Paramount Equity where its experience and expertise will benefit those who seek a new loan or refinancing.

Sherice comes from a large San Diego family deeply rooted in community service and devotion. Sherice’s 92 year old great grandmother resides in San Diego. Sherice’s grandmother has 9 children, 5 boys and 4 girls including a set of twins. On July 14^th, 2010 Sherice and her fun loving Panamanian husband Reggie gave birth to their cute bundle of joy, Chloe…. making it FIVE living generations in this powerhouse San Diego based family!

Sherice is known to show the utmost commitment and compassion towards each and every client, but the U.S. Military holds a special place in her heart. Sherice’s grandfathers both served in the Navy, her husband served TWICE (Marine and Army Guard) and her two twin aunts are active military duty. Aunt Kelly is in the Army and Aunt Terri is in the Air Force. Sherice has been a strong supporter and contributor to Paws for Purple Heart Wounded Warrior and their Service Dogs. She is also known for collecting canned food for the San Diego Food Bank. Our community greatly benefitted from her passionate charity work.

Sherice is an avid reader. After taking loving care of her clients, Reggie and the amusing and energetic Chloe, you might catch her reading the works of Shurtleff Holmes. If she is not reading, you’ll probably catch her humming a song composed by the talented Prince, her favorite artist. Most people that know Sherice can confirm, she loves to restaurant hop in search of discovering new foods…but sushi and steak are always pleasurable to her pallet.

Her father instilled a special core value in Sherice at a young age “We all have emotional bank accounts. The people in your life will either make a positive impact deposit or will withdraw a negative impact and you want to be the person making an emotionally positive deposit into the lives others. Sherice attends the well known “Rock” church which continues to reinforce this message.

Connect to Century 21 Award NOW.

Connect to Paramount Equity NOW

Sellers should list their home on a Friday for the best chance of selling it, according to San Diego Realtors, Terri Davids and Linda Ring of Century 21 Award Eastlake Chula Vista.

A company analyzed data for 1.2 million listings in 16 markets nationwide over the past 21 months. The brokerage found that of all listed homes in those 16 markets, those listed on a Friday were 12 percent more likely to sell within 90 days, and homes listed on a Thursday or Friday sold, on average, for slightly closer to list price: 94.4 percent compared with 93.9 percent when homes are listed on a Sunday or Monday. Put another way, that's a $1,000 difference on a $200,000 home.

Homes listed on a Friday were also 18.8 percent more likely to be toured by Realtors customers. Homes listed on a Sunday or Monday were the least likely to be toured.

Contact us for your private meeting.

1. Do Nothing – If a homeowner does nothing, they most likely will lose their home at foreclosure auction. Loan applications generally ask if the applicant has ever been foreclosed upon. Credit reports also disclose this damaging information. Not the best option.

2. Payoff/Refinance – Completely paying off the entire loan amount plus any default amount and fees. Usually this is accomplished through a refinance of the debt. New debt is at a normally higher interest rate and there may be a prepayment penalty because of the recent default. With this option, there should be equity in the home.

3. Reinstatement – Paying the entire default amount plus interest, attorney fees, late fees, taxes, missed payments and fees.

4. Loan Modification – Utilizing the existing mortgage company to refinance the debt or extend the terms of the loan. This may allow the homeowner to catch up at a more affordable level. To qualify, you must prove to the lender you have fixed the problem that caused the late payment.

5. Forbearance – Lender may be able to arrange a repayment plan based on the homeowner’s financial situation. The lender may even be able to provide a temporary payment reduction or suspension of payments. Information will be required from the lender to show that you are able to meet the new payment plan requirements.

6. Partial Claim – A loan from the lender for a 2nd loan to include back payments, costs and fees.

7. Deed in Lieu of Foreclosure – Give the property back to the bank instead of the bank foreclosing. Banks generally require the home be well maintained, all mortgage payment and taxes must be current. Most loan applications ask if this has ever happened.

8. Bankruptcy – This option can liquidate debt and/or allow more time. I can refer you to a qualified bankruptcy attorney.

* Chapter 7 (Liquidation) To completely settle personal debt.
* Chapter 13 (Wage Earner Plan) Payments are made toward a plan to pay off debts in 3-5 years.
* Chapter 11 (Business Reorganization) A business debt solution.

9. Sale – If the property has equity (money left over after all loans and monetary encumbrances are paid). The homeowner may sell the home without lender approval through a conventional home sale. In this case, the homeowner will get cash from the sale. On the other hand, a Short Sale, also known as a pre-foreclosure sale, can be negotiated with your lender by your Real Estate Professional if what is owed is MORE than the property’s value.

Contact us to discuss ALL your options.

Today's experts spout off the latest statistics about long-term wealth, home values in San Diego, and interest rates, yet there's a much more sentimental side to homeownership. In fact, many home buyers are drawn to homeownership for these warm and fuzzy reasons.

Owning a home in San Diego allows you to put down roots, both figuratively and literally. On one hand you become part of a neighborhood and community. When you rent, neighbors come and go as quickly as leases renew. Homeowners, however, tend to stay put longer.

What does this mean for you? You can develop, many times, lifelong relationships. This also means your San Diego home will see you through many of life's important milestones.

It makes sense. Many people enter the realm of San Diego homeownership as young couples looking to build a nest. They plan on starting their own family and need room to expand and grow. These family homes will see many firsts and will be the container of countless memories. Additionally, homeownership gives families more room to entertain and this means extended family will also share in building memories.

It's not just young San Diego families, though, that seek homeownership. Families with teenagers seek larger homes to room their growing brood. Retiring adults may wish to start a new phase and new memories, seeking out warmer climates or smaller, more manageable homes.

These little moments are what life is all about. Memories from Christmas mornings and summer vacations will fill minds for years to come.

On the other hand you literally can put down roots by planting trees and shrubs! Renters are rarely afforded the luxury of gardening. In fact, digging up the landlord's yard is frowned upon. As a San Diego homeowner you are able to create your own green oasis, including trees that will mature alongside your children and gardens that will feed your hungry pack.

There is a certain pride that comes with San Diego homeownership. This little piece of property and land is yours. There's no one that can evict you or take it away. This security allows people to form deep attachments to both the land and home.

This pride of San Diego ownership spurs many owners to make improvements and additions, both to keep the home in working order and to make it more comfortable and usable, which in turns improves neighborhood values and overall curb appeal.

Why do people buy? They may be initially motivated by changes in circumstance, such as a new job or a new family, but they buy based on emotional responses. People want a house that can become their home, where they'll fill it with good times and memories. Be sure to remember this sentimental side of San Diego homeownership the next time you read about stocks, bonds, and housing woes.

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Not every market is struggling. The truth is that many desirable San Diego neighborhoods and zipcodes are still experiencing healthy inventory levels and conditions that promote multiple offers. As a home buyer buyer in these markets, how can you be competitive?

First, and perhaps most importantly, be ready to buy. Readiness is not impulsiveness, however. Before you begin your home search in San Diego, be clear on your objectives. This means knowing your budget (and how much wiggle room you really have), what amenities are must-haves, and what things you can do without. By having a clear plan of action, you'll know a good deal when you see it and won't hesitate to act. Many would-be buyers miss out on their dream home because of hesitation. They need "the night to think about it" or "to see a few more" before they make a decision. If the San Diego home is a good price and in a desirable location, one night could mean missing out on the house altogether.

To take the preparation stage one step further, be absolutely sure you are pre-qualified and pre-approved for a loan. Do this before you even set foot in seller's house. Why? You wouldn't be the first buyer you puts in an offer on their San Diego dream home, only to find out financing has fallen through. Lending is tight right now. You may not qualify for as low of an interest rate as you would think. And for others, you may not qualify at all!

And if you were pre-qualified or approved months ago, be sure to stay in contact with your lender, so that there are no surprises when it comes time to make an offer.

Communication doesn't end there. Keep in contact with your Linda and Terri of Century 21 Award about new listings and showings. Homes come on the market all the time, and in hot neighborhoods within San Diego County they don't last long. If you wait even a few days, a home could be scooped up by another eager buyer.

Next, bid competitively. This is where your Linda and Terri of Century 21 Award can be invaluable. They have access to your market's stats, which show for how much comparable homes have been selling throughout San Diego County Real Estate. This means you may be able to come in a little under list price and still be competitive, or it may mean that the property is already underpriced, and to beat out any other offers, you need to offer more than the asking price.

Competitive doesn't mean handing everything to the seller on a sliver platter, though. Sellers may ask for certain concessions, such closing costs terms, as-is purchases (without an inspection contingency in the offer), and requests regarding closing dates. Some of these requests may seem reasonable to you, but don't be afraid to stand your ground if others are too far-fetched.

And finally, stick to your guns. It can be easy to lose sight of your true end goal, which should be the San Diego County home you love at a reasonable price. This means that your predetermined budget, well, it must remain your budget. Don't overpay for a house simply because you've gotten caught up in the excitement of a bidding war.

Use these simple tips to help you navigate a tough market here in San Diego. Before you know it you'll be signing on the dotted line for your new dream home.

Contact us for your private showing of homes within San Diego County.

It can be a tough market for selling a home in San Diego County., but those conditions can get even worse if sellers aren't careful. While a seller doesn't control the real estate market, their actions can significantly contribute to how long and how much their home is sold for in San Diego County.

Underestimating Cleaning Up: It may seem obvious, but I can tell you real estate agents everywhere are nodding their heads in agreement as they read this. Inviting potential buyers in to see an unkempt home is like going on a job interview without freshening up after you cleaned your garage. How can the employer notice your fantastic talents and skills if they're hidden underneath a sloppy exterior? How you show your home in San Diego County tells the buyer what type of care you, the seller, has put into it.

If you can't take the time to wipe the grime off the refrigerator doors, tidy up the kids' rooms, take out the messy diapers, put away the food, and take the dogs out of the house for a while, then you'll likely find buyers will quickly move on to the next home on their list.

Lingering During Showings: Yes, we all want to know how the open house or showing went, but hanging around during either of those events is not a good idea for San Diego real estate. Sellers who tend to linger during showings often make the buyers uncomfortable. Buyers like to have time to explore the home at their own pace and without feeling any pressure. Sometimes buyers want to sit on the porch or out in the backyard as they discuss the home's possibilities. And if buyers are willing to sit for a bit and talk about the home, that's a great sign. However, the chances of them doing that with the seller present is unlikely. Many times buyers will say, "Let's skip the home if the sellers are there." Believe it or not, there are even stories of sellers coming out of the shower–inappropriately dressed–as buyers are coming into the home.

If you're selling your home in San Diego, do yourself a favor and hit the road for a bit. Take a walk or head to the coffee shop. As soon as the showing is over, you can get all the details from your agent. That's what you're paying your agent for! Let them do their job. Just make sure that your agent has all the home's selling points and any additional features that make this home standout.

For Sale By Owner (FSBO) Trap: Some people are convinced that they can do it on their own. Maybe they can sell their own home, but it likely won't happen without some headaches. Trained specialists are called "experts" for a reason. An expert real estate agent knows the market, has connections, guides you through the process, negotiates on your behalf, and will make the process of selling your home simpler.

One potential land mine that FSBOs face is the flood of people popping in to see their home. It sounds great that there's so much traffic, but the problem is many times the people who pop into FSBO properties aren't actually qualified for a mortgage or may not be serious buyers. Instead they're just looking and satisfying their curiosity at your expense. Agents know to ask the right questions to make certain the lookers are truly potential home buyers.

Not interviewing agents: If you have kids, chances are you interviewed the nanny or babysitter. Taking time to seek out top real estate agents like Linda and Terri of Century 21 Award in your area and then setting up interviews with them is equally important. Choosing the wrong agent for the job will be a headache and slow the process down. There must be a connection, understanding, and good communication between the seller and the agent. There are lots of things that go on during the sale of a home, communicating with the agent should be one of the easier tasks.

Pricing a home incorrectly: This could be the worst mistake sellers make in San Diego real estate. Yet, this is where so much help can be found. Real estate agents see homes every single day. They know the neighborhoods and the comps. They are there to help you understand what homes have sold for in the recent past and what they'll likely sell for during the current market conditions. Get a market evaluation from your agent and understand that what is a fair price for your home in today's market.

Contact us for a free market valuation for your home in San Diego County.