Bianca Mendez | Home Simplicity, September 2023

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SEPTEMBER 2023 homeofthe month & Magnificent Views 7817 Santaluz Inlet San Diego, CA 92127 Serenity, Privacy, How to Know If You’re READY TO BUY A HOME THE NORTHERN LIGHTS by Land, Sea, and Sky REALTOR® | DRE# 01326722 BIANCA MENDEZ 619.279.7943 | mbmendez1@gmail.com

Meet BIANCA MENDEZ

From a very young age my parents taught me the importance of hard work, humility and consistency.

As result, I earned an academic and basketball scholarship from the University of Puerto Rico, where I completed my bachelor’s degree in business administration. Those experiences lead me to an opportunity to play Professional Women’s Basketball in Puerto Rico for two seasons. Today I am a proud Wife and Mother of three.

My interest in Real Estate also begins at a young age. Growing up on construction sites and watching my father develop beautiful homes inspired me to become a Real Estate Professional.

My business priority is to represent Sellers and Buyers int he purchase and sale of homes while consistently upholding the highest ethical and professional standards in the industry. My work ethic insures that every client receives an extraordinary service.

Highly Likely to RECOMMEND

Bianca, just sold our home for our asking price. That should in itself be enough to select her as your agent for any realty needs. However, we must add that we highly recommend her, as Bianca and her Team were very responsive, professional and experts in all aspects of the selling process. She is an expert negotiator not only with the other agents on purchase price, but also with any other expenses that may come in the preparation to list your home to closing escrow such as staging, clearances or request from the buyers. We give Bianca our highest recommendation as we have now used her to buy a home and to sell a home for us. Thank you Team Mendez.

-user83551212

Bianca is a persistent, friendly and positive realtor. Always on the ball, and consistent in every aspect of her work. She carried herself in a very professional manner, and remained calm and collected in each situation. We loved working with Bianca, and can say we were not her easiest clients by far! Would recommend her to anyone.

-Brandalyndesigns

Bianca and her team sold our beautiful home for a good price when a previous realtor couldn't get the job done under changing market circumstances. Bianca was a polished professional throughout the process. She was extremely patient even though we were demanding customers. Bianca went above and beyond and took it upon herself to be more than a realtor...she was always available, responsive, honest, and took care of our home even after we moved out of San Diego for school and work.

We trusted her even though we were 2,000 miles away which says a lot! She and her team would regularly check on our home and resolved every issue that arose throughout the process with poise and unending support.

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GUIDING YOU Home

HOW TO KNOW IF YOU’RE READY TO BUY A HOME

LINDA VISTA

LOGAN HEIGHTS

LOS ANGELES

MENIFEE

MISSION VALLEY

NATIONAL CITY

NORTH PARK

OTAY MESA

POINT LOMA

POWAY

RAMONA

RANCHO BERNARDO

SAN MARCOS

SAN YSIDRO

SOLANA BEACH

SPRING VALLEY

UNIVERSITY HEIGHTS

3 HOME SIMPLICITY MAGAZINE CONTENTS 4-27 10-13 20-21 30 30 30 30 31 31 32 32 32 32 33 33-34 34 35 35 35 35 35 35 36 36-37 37 37 37 38-39 40 40 40 40 40 41 41 41-42 42-43 43 43 43 44 44 44 44-45 45 GLOBAL LUXURY HOME OF THE MONTH THE NORTHERN LIGHTS BY LAND, SEA, AND SKY ALPINE BANKERS HILL BONITA BONSALL CARLSBAD CHULA VISTA CITY HEIGHTS COLLEGE AREA CORONADO DEL CERRO DOWNTOWN EL CAJON ENCANTO ENCINITAS ESCONDIDO HEMET IMPERIAL IMPERIAL BEACH JACUMBA LA JOLLA LA MESA
TERRACE LEMON GROVE
LAKESIDE LAKEVIEW
Information current as of 8/29/23

BONITA

200 SURREY DRIVE

5 BR | 3.5 BA | 2,965 ESF

$1,390,000

MLS# PTP2304108

CARLSBAD

4145 SUNNYHILL DRIVE

5 BR | 3 BA | 4,220 ESF

$3,500,000

MLS# PTP2303319

CARMEL VALLEY

6183 SUMMIT CREST CIRCLE

5 BR | 5.5 BA | 6,200 ESF

$4,186,000

MLS# NDP2305521

4

CHULA VISTA

2908 GATE FIVE PLACE

5 BR | 5 FULL & 3 HALF BA | 6,640 ESF

$5,000,000

MLS# PTP2303916

CHULA VISTA

1101 MAJESTAD LANE

7 BR | 11 BA | 7,475 ESF

$4,750,000

MLS# PTP2301666

CHULA VISTA

1220 SPIVEY ROAD

5 BR | 4.5 BA | 3,996 ESF

$1,699,900

MLS# PTP2302532

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CHULA VISTA

1429 OLD JANAL RANCH ROAD

5 BR | 4 BA | 3,534 ESF

$1,499,900 - $1,549,900

MLS# PTP2303823

CHULA VISTA

1296 SANTA OLIVIA ROAD

4 BR | 2.5 BA | 2,474 ESF

$1,049,000 - $1,099,900

MLS# PTP2304171

CHULA VISTA

636 PORT DUNBAR

3 BR | 2.5 BA | 2,381 ESF

$964,900

MLS# 230015102

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CHULA VISTA

378 BAY LEAF

3 BR | 2 BA | 1,260 ESF

$821,000

MLS# PTP2304175

CHULA VISTA

120 H STREET

3 BR | 1 BA | 1,305 ESF

$819,900

MLS# PTP2303974

CLAIREMONT

6885 ROCKGLEN AVENUE

3 BR | 2 BA | 1,474 ESF

$1,199,900

MLS# 230016590

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COLLEGE/ROLANDO

5355 COLLIER AVENUE

3 BR | 2.5 BA | 1,802 ESF

$1,049,000

MLS# PTP2304165

DEL CERRO

6910 CIBOLA ROAD

5 BR | 3 BA | 3,157 ESF

$1,790,000

MLS# PTP2303495

ENCINITAS

1058 3RD STREET

5 BR | 4 BA | 2,160 ESF

$3,335,000

MLS# 230016161

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ENCINITAS

194 NEPTUNE AVENUE

2 BR | 2 BA | 1,282 ESF

$3,200,000

MLS# NDP2303873

ENCINITAS/OLIVENHAIN

2230 WOODWIND DRIVE

3 BR & 1 OPTIONAL | 3.5 BA | 3,777 ESF

$2,750,000

MLS# 230014062

ESCONDIDO

1728 VIA SINSONTE

5 BR | 3.5 BA | 3,632 ESF

$2,995,000

MLS# 230011638

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SERENITY,

7817 Santaluz Inlet, San Diego, CA 92127

10
PRIVACY, & MAGNIFICENT VIEWS
homeofthe month 11 HOME SIMPLICITY MAGAZINE

7817 SANTALUZ INLET

SANTALUZ

| SAN DIEGO 92127

5 Bedrooms | 4 Full & 2 Half Bathrooms | 5,683 ESF | Listed at $5,249,000

As you turn onto the long driveway, there is a sense of serenity, which is further enhanced as you arrive at the beautiful, custom wrought-iron gate at the entry of the front patio. The windows and door are copper-clad, and the gutters and downspouts are copper. Once inside the double-door entry, you are greeted by the grand living room with soaring wood ceiling, massive fireplace, and 1-inch-thick Brazilian cherry hardwood floors with double baseboards. Stunning living spaces and gorgeous details surround you, with all wrought-iron light fixtures and chandeliers handmade in Santa Barbara. The dining

room and outdoor fireplaces are stone plaster, enhancing the charm and luxurious ambiance of the home. In the spacious kitchen you’ll find beautiful ash and alder cabinetry and tile work. The attached casita with full bathroom, currently used as an office, is ideal for multigenerational living. Large doors allow for a seamless flow to the gorgeous spaces outside, where you can dine al fresco beside the impressive outdoor fireplace, tee up on your personal putting green, or take in the breathtaking western views as you lounge beside the fire pit. Tranquility awaits you in this Santaluz gem.

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ESCONDIDO

9787 CRYSTAL RIDGE DRIVE

5 BR | 4.5 BA | 5,500 ESF

$2,199,000

MLS# 230011959

IMPERIAL BEACH

1029 HEMLOCK AVENUE

3 BR | 3 BA | 1,474 ESF

$1,397,000

MLS# PTP2304214

JAMUL

3290 QUAIL WAY

5 BR & 1 OPTIONAL | 5 BA | 4,240 ESF

$1,499,000

MLS# 230013796

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JAMUL

15061 LYONS VALLEY ROAD

3 BR | 3.5 BA | 3,020 ESF

$1,195,000

MLS# PTP2304179

LA JOLLA

1402 W MUIRLANDS DRIVE

6 BR | 5 BA | 3,934 ESF

$8,650,000

MLS# 220029104

LA JOLLA

5961 LA JOLLA SCENIC DRIVE

5 BR | 4 BA | 3,667 ESF

$5,500,000

MLS# PTP2303292

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8602 ECHO DRIVE

3 BR | 3 BA | 3,121 ESF

$1,900,000 - $2,200,000

MLS# PTP2302729

5663 ABALONE PLACE

3 BR | 3.5 BA | 2,778 ESF

$5,100,000

MLS# 230010252

5728 JEANETTE AVENUE

4 BR | 3 BA | 2,044 ESF

$925,000

MLS# PTP2304166

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LA JOLLA LA MESA LA MESA

LAKE ELSINORE

29169 SORAYA

4 BR | 3 BA | 1,775 ESF

$578,000 - $580,000

MLS# PTP2303165

LOGAN HEIGHTS

5049 SAINT RITA PLACE

4 BR | 2.5 BA | 1,892 ESF

$789,000

MLS# 230015868

MISSION BEACH

3542 BAYSIDE WALK

3 BR | 2.5 BA | 1,300 ESF

$2,250,000

MLS# 230015784

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MT HELIX

3860 ROGERS ROAD

3 BR | 2 BA | 1,436 ESF

$899,000

MLS# PTP2304128

OCEAN BEACH

4533 NEWPORT AVENUE

3 BR | 3.5 BA | 2,627 ESF

$2,990,000

MLS# 230015454

OCEAN BEACH

4353 NEWPORT AVENUE

3 BR | 1.5 BA | 1,363 ESF

$1,850,000

MLS# 230016326

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OCEANSIDE

1823 S PACIFIC AVENUE

4 BR | 4.5 BA | 3,543 ESF

$5,999,000

MLS# 230010012

PACIFIC BEACH

3903 HAINES STREET

3 BR | 2 BA | 1,158 ESF

$2,750,000 - $3,150,000

MLS# NDP2304235

PACIFIC BEACH

4801 ACADEMY STREET

3 BR | 2 BA | 1,520 ESF

$2,500,000

MLS# 230000898

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The Northern Lights BY LAND, SEA, AND SKY BY LAND, SEA, AND SKY

Whether it’s waterfalls, sunrises, or the dancing Northern Lights across a dark starry sky, there is something exhilarating about chasing down stunning natural wonders. The Northern Lights, also known as aurora borealis, are a phenomenon that only occurs in some of the coldest, darkest parts of the world and they have been a longtime favorite challenge for tourists and travelers.

Todd Powell, co-founder of Vacations by Rail, describes the lights as “a living, breathing celestial event. The aurora’s movements are not just a dance, but the pulse of the night sky.” The wavering lights that appear and often change colors are likely to be the best light show you’ll ever see, and there are many creative ways to view them in style. Land, sea, and sky all provide a unique opportunity to gaze in wonder at the natural marvel.

closer to the elusive Northern Lights. Due to light pollution, approximately 9 -percent of the skies over the United States are not dark enough to catch a glimpse of the lights, and about 80-percent of the rest of the world’s population can’t view them either, according to Powell, which means a glimpse of them may be a once in a lifetime.

Vacations by Rail is a leader among train vacations with the largest number of destinations and journeys available, including breathtaking views of the Northern Lights from Alaska to Norway. “On a train vacation, the journey takes center stage,” says Powell. “Trains allow travel into parts of the country that are inaccessible by other modes of transportation, all while you relax in comfortable on board accommodations, enjoy some fantastic food, and sit back and appreciate the moment.” Trains are a way to get even

Vacations by Rail offers more than one journey with the lights as a focal point. The Auror View at Bettles Lodge is a six-day journey that includes a two-night stay in Bettles, just past the Arctic Circle, where guests can enjoy uninterrupted views of the lights. The Alaska Winterland and Northern Lights trip is a nine-day journey that makes a stop at the Chena Hot Springs Resort for guests to unwind and then venture out to explore the night skies. “There is something ethereal about seeing the Northern Lights. They are entrancing and enchanting and are a stunning part of nature,” describes Powell. “Traveling to dark-sky places to see the Northern Lights lets people stargaze in ways almost impossible today.”

In 1997, Viking, a small ship travel company, was formed in an attempt to make travel more immersive. The goal was to truly experience the journey and the culture of each destination. Now, the company boasts over 250 awards, travels to all seven continents, and offers river, ocean, and expedition voyages that are destination-focused.

LAND SEA 20

SKY SKY

If the dancing lights are your goal, Viking has put forth its In Search of the Northern Lights trip, a 13-day, three-country journey from London to Bergen, Norway, with five guided tours. Guests will travel the same waters as ancient Vikings, view historic rock carvings, explore the Sami culture, learn about the science behind the Northern Lights and have plenty of viewing opportunities aboard the award-winning fleet.

Artic Bath in Swedish Lapland is a brilliant blend of land and sea, as the floating 12-room hotel/spa located on the Lule River floats in the summer and freezes over in the winter. Made from local materials, inspired by a time when timber was transported by floating logs down the river, the hotel appears truly like an extension of nature.

For those light chasers, between September and late March, the cabins, hotel, and spa offer stunning views in total luxury. For those guests who are feeling more adventurous and craving a closer look, Arctic Bath offers a Northern Lights Sled Tour, Snowshoe Safari, and plenty of other viewing options, such as Ice Dining, Husky Tours, and more. Arctic Bath is a unique

destination that blends luxury with nature and wellness with sustainable materials to luxury spa treatments for the ultimate getaway in Sweden under the northern skies.

Land and sea are just two ways to catch a glimpse of the lights, but Treehotel in Harads, Sweden, offers an even closer look at the aurora borealis among Sweden’s treetops. “Treehotel is architecture and beautiful nature, combined with meeting fantastic people,” explains Tim Lillestø, the press and public relations manager at Treehotel.

Treehotel is a collection of one-of-a-kind private tree houses that are comfortable, great for viewing the lights, and full of whimsy. Inspired by the surrounding environment and featured in Jonas Selberg Augustsén’s film Trädälskaren (The Tree Lover), the hotel and guesthouse have attracted guests from all over the world. Each tree house is designed with a special concept in mind and although the Biosphere, Mirror Cube, and UFO may seem out of place in Sweden’s forests, they offer a real connection to nature among the trees. Lillestø deems “the 7th Room, while sitting on the sofa in front of large windows pointing north,” to be the best viewing option.

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Source: https://blog.coldwellbankerluxury.com/the-northern-lights-by-land-sea-and-sky/ SKY

POINT LOMA

870 SAN ANTONIO PLACE

4 BR & 1 OPTIONAL | 4 FULL & 2 HALF BA

3,060 ESF | $3,750,000

MLS# 230014720

POINT LOMA

1355 WILLOW STREET

4 BR & 2 OPTIONAL | 6 BA | 4,662 ESF

$2,799,000

MLS# 230014445

POINT LOMA

3665 CARLETON STREET

4 BR | 3.5 BA | 2,236 ESF

$2,650,000

MLS# 230013090

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POINT LOMA

3295 TRUMBULL STREET

3 BR | 3.5 BA | 2,442 ESF

$2,599,000

MLS# 230011596

POINT LOMA

3594 CANON STREET

3 BR | 3.5 BA | 2,449 ESF

$2,475,000

MLS# 230015184

POINT LOMA

4460 NARRAGANSETT AVENUE

3 BR | 2 BA | 1,264 ESF

$1,975,000

MLS# 230015875

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RANCHO BERNARDO

16207 PALOMINO MESA COURT

4 BR | 2.5 BA | 2,738 ESF

$1,988,000

MLS# NDP2305019

RANCHO PENASQUITOS

8546 GALWAY PLACE

3 BR & 1 OPTIONAL | 3 BA | 2,715 ESF

$1,899,000

MLS# 230016531

RANCHO SANTA FE

6907 EL CAMINO DEL NORTE

4 BR | 3.5 BA | 4,419 ESF

$3,799,900 - $3,999,900

MLS# PTP2303883

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RANCHO SANTA FE

3023 PASEO CIELO

4 BR & 1 OPTIONAL | 4.5 BA | 4,666 ESF

$3,500,000 - $3,900,000

MLS# 230004974

SAN CARLOS

7584 VOLCLAY DRIVE

4 BR | 2 BA | 1,789 ESF

$1,040,000

MLS# 230016404

SANTALUZ

7817 SANTALUZ INLET

5 BR | 4 FULL & 2 HALF BA | 5,683 ESF

$4,949,000 - $5,249,000

MLS# 230011587

25 HOME SIMPLICITY MAGAZINE

SANTALUZ

8349 SANTALUZ VILLAGE GREEN EAST

3 BR & 1 OPTIONAL | 3 BA | 2,527 ESF

$2,595,000 - $2,745,000

MLS# 230016203

SANTEE

9461 CALLE DEL LAGO

3 BR | 2 BA | 1,520 ESF

$849,900

MLS# 230016183

SANTEE

214 BROOKVIEW COURT

4 BR | 2.5 BA | 1,680 ESF

$799,000 - $825,000

MLS# PTP2303893

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SCRIPPS RANCH

9965 WILD GRAPE DRIVE

5 BR | 3 BA | 2,625 ESF

$1,499,900

MLS# PTP2303759

SPRING VALLEY

3331 ETON GREENS COURT

3 BR | 2 BA | 1,824 ESF

$829,000

MLS# PTP2303866

UNIVERSITY HEIGHTS

4420 CAMINITO FUENTE

3 BR | 2.5 BA | 1,836 ESF

$1,125,000

MLS# 230013802

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28California Preferred Escrow is an independently owned escrow company operated under the regulations of the Department of Financial Protection and Innovation. License # 9632748. California Preferred Escrow has been providing the best escrow services to the San Diego real estate market since 2014, and is growing into the North County markets. Fair prices, superior quality and exceptional customer service are guaranteed when you work with us. Excellence FROM OPEN TO CLOSE OPEN AN ESCROW today californiapreferred.com CPE Corporate 1061 Tierra Del Rey #204 Chula Vista, CA 91910 (619) 475-4094 sales@californiapreferred.com East County Branch 2382 Fletcher Pkwy El Cajon, CA 92020
NMLS# 231073 Point Mortgage Corporation is licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; License #4130876, NMLS ID #231073; 2421 Fenton Street, Ste. A, Chula Vista, CA 91914; (www.pointmtg.com); +1 619.475.4095. Copyright © 2022. All rights reserved w w w.p o i n t m t g. c o m VISIT US ON THE WEB AND SEE WHERE MORTGAGE IS ALWAYS ON POINT HERE FOR YOUR HOUSING NEEDS. @pointmortgagecorporation

ALPINE

1199 VALLE DE LAS SOMBRAS

3 BR | 2 BA | 1,864 ESF

$950,000

MLS# PTP2303547

BONITA

3630 HAZELHURST COURT

5 BR | 4 BA | 2,081 ESF

$975,000

MLS# PTP2304212

BANKERS HILL

2770 2ND AVENUE #113

2 BR | 2.5 BA | 1,617 ESF

$999,000

MLS# 230015064

BONITA

4617 VILLAS COURT

3 BR | 2.5 BA | 1,935 ESF

$849,900

MLS# PTP2303834

BANKERS HILL

2568 ALBATROSS STREET UNIT 6K

2 BR | 2 BA | 1,274 ESF

$739,900

MLS# PTP2303860

BONSALL

32036 DEL CIELO OESTE UNIT 2D

2 BR | 2 BA | 1,050 ESF

$450,000

MLS# PTP2304126

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CARLSBAD

3130 DEL REY AVENUE

3 BR | 3 BA | 2,042 ESF

$1,390,000

MLS# PTP2304015

CHULA VISTA

1559 BROADWAY #77

1 BR | 1 BA | 636 ESF

$365,000 - $385,000

MLS# PTP2303828

CHULA VISTA

154 JAMUL AVENUE

4 BR | 2 BA | 1,275 ESF

$699,000

MLS# PTP2304119

CHULA VISTA

201 TWIN OAKS AVENUE #8

1 BR | 1 BA | 550 ESF

$340,000

MLS# 230016246

CHULA VISTA

1890 CHAMBERY PLACE #2336

3 BR | 2 BA | 1,315 ESF

$640,000

MLS# PTP2304021

CHULA VISTA

201 TWIN OAKS AVENUE #7

1 BR | 1 BA | 550 ESF

$340,000

MLS# 230016247

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CITY HEIGHTS

4115 VAN DYKE AVENUE

1 BR | 1 BA | 380 ESF

$450,000 - $460,000

MLS# PTP2303261

COLLEGE/ROLANDO

5045 COLLWOOD WAY #34

2 BR | 2 BA | 1,020 ESF

$599,000

MLS# PTP2303742

COLLEGE/ROLANDO

6357 MESITA DRIVE

3 BR | 2 BA | 1,460 ESF

$850,000

MLS# PTP2303398

CORONADO

502 PALM AVENUE

2 BR | 2 BA | 1,122 ESF

$1,250,000

MLS# 230013992

COLLEGE/ROLANDO

5089 LAMBERT LANE

2 BR | 2.5 BA | 1,348 ESF

$718,599

MLS# PTP2303792

DEL CERRO

5757 ADOBE FALLS ROAD UNIT C

3 BR | 2.5 BA | 1,763 ESF

$725,000

MLS# PTP2304075

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DOWNTOWN

1465 C STREET #3208

2 BR | 2 BA | 1,013 ESF

$729,000

MLS# 230016432

EL CAJON

1080 E WASHINGTON AVENUE

3 BR | 3 BA | 1,781 ESF

$760,000

MLS# PTP2302795

DOWNTOWN

1080 PARK BOULEVARD #1311

STUDIO | 1 BA | 711 ESF

$430,000

MLS# 230010346

EL CAJON

1754-56 GREENFIELD COURT

2 UNITS

$950,000

MLS# 230010954

EL CAJON

2108 GREENWICK ROAD

3 BR | 2.5 BA | 1,294 ESF

$735,000

MLS# PTP2303263

EL CAJON

687 PALOMAR AVENUE

3 BR | 1 BA | 984 ESF

$625,000

MLS# 230015725

33 HOME SIMPLICITY MAGAZINE

EL CAJON

8020 WINTER GARDENS BOULEVARD UNIT A

3 BR | 2.5 BA | 1,323 ESF

$530,000

MLS# PTP2304139

EL CAJON

1321 GREENFIELD DRIVE #25

2 BR | 1.5 BA | 1,024 ESF

$489,000 - $509,000

MLS# PTP2303934

EL CAJON

15935 SPRING OAKS ROAD #107

3 BR | 2 BA | 1,056 ESF

$284,000

MLS# PTP2303858

ENCANTO

6048-52 BROOKLYN AVENUE

4 UNITS

$1,500,000

MLS# 230012483

ENCANTO

6328 TOOLEY STREET

3 BR | 1.5 BA | 1,072 ESF

$625,000

MLS# PTP2303813

ENCANTO

8619 INNSDALE LANE

4 BR | 2 BA | 1,372 ESF

$580,000

MLS# 230014148

34

ENCINITAS

1732 BURGUNDY ROAD

3 BR | 3 BA | 2,264 ESF

$1,975,000

MLS# NDP2306171

IMPERIAL

2302 BAILY RAY AVENUE

4 BR | 3 BA | 1,867 ESF

$399,000 - $419,000

MLS# PTP2303463

ESCONDIDO

861 HUCKLEBERRY LANE

2 BR | 2 BA | 1,246 ESF

$790,000

MLS# PTP2304195

HEMET

601 N KIRBY STREET #540

2 BR | 2 BA | 1,344 ESF

$49,000

MLS# PTP2302073

IMPERIAL BEACH

556 8TH STREET

4 UNITS

$2,150,000

MLS# PTP2302583

JACUMBA

DESERT VIEW TOWER & 3 HOMES

TOWER + 3 HOMES | OVER 90 ACRES

$2,250,000

MLS# 230000626

35 HOME SIMPLICITY MAGAZINE

LA JOLLA

6125 GLENNCHESTER ROW

3 BR | 2.5 BA | 2,786 ESF

$2,595,000

MLS# 230007473

LA JOLLA

2278 CAMINITO PRECIOSA NORTE

3 BR | 3 BA | 2,012 ESF

$1,560,000

MLS# PTP2303776

LA JOLLA

8850 VILLA LA JOLLA DRIVE #306

3 BR | 2 BA | 1,426 ESF

$1,155,000

MLS# 230014780

LA JOLLA

8585 VIA MALLORCA #33

2 BR | 2 BA | 1,286 ESF

$1,060,000

MLS# 230012008

LA JOLLA

220 COAST BOULEVARD UNIT 2M

STUDIO | 1 BA | 328 ESF

$699,000

MLS# PTP2304267

LA MESA

7109 AMHERST STREET

4 UNITS

$1,888,000

MLS# PTP2207366

36

LA MESA

4790 MAYAPAN DRIVE

2 BR | 2 BA | 1,888 ESF

$800,000

MLS# PTP2304146

LA MESA

3862 AVOCADO BOULEVARD

3 BR | 1 BA | 1,271 ESF

$675,000

MLS# PTP2303908

LAKESIDE

10627 VALLE VISTA DRIVE

3 BR | 1.5 BA | 1,161 ESF

$715,000

MLS# PTP2304098

LAKESIDE

11462 POSTHILL ROAD

4 BR | 2 BA | 1,272 ESF

$699,900

MLS# PTP2304183

LAKEVIEW TERRACE

11300 FOOTHILL BOULEVARD

2 BR | 3 BA | 1,375 ESF

$475,000

MLS# PTP2304116

LEMON GROVE

8365 BROADWAY #1

2 BR | 1.5 BA | 1,184 ESF

$524,999

MLS# 230016421

37 HOME SIMPLICITY MAGAZINE

How To Know

If You’re Ready to Buy a Home

If you’re trying to decide if you’re ready to buy a home, there’s probably a lot on your mind. You’re thinking about your finances, today’s mortgage rates and home prices, the limited supply of homes for sale, and more. And, you’re juggling how all of those things will impact the choice you’ll make.

While housing market conditions are definitely a factor in your decision, your own life and your finances may be even more important. As an article from NerdWallet says:

“Housing market trends give important context. But whether this is a good time to buy a house also depends on your financial situation, life goals and readiness to become a homeowner.”

Instead of trying to time the market, it may help to focus on what you can control. Here are a few questions that can give you clarity on whether you’re ready to make your move.

a big purchase, and you’re going to sign a home loan stating you’re going to pay that loan back. That can feel like a big obligation. Knowing you have a reliable job and income coming in can help put your mind at ease. As NerdWallet explains:

1. Do You Have a Stable Job?

One thing to consider is how stable you feel your employment is. Buying a home is

2. Have You Figured Out What You Can Afford?

To make sure you have a good idea of what you’ll need to save and what you can expect to spend on your monthly payment, talk to a trusted lender. They’ll be able to tell you

“A mortgage is a big commitment... wait until your employment is stable before thinking about buying a house.”
38

about the pre-approval process and what you can borrow, current mortgage rates and approximate monthly payments, closing costs to anticipate, what percent of the purchase price of the home you’ll need for a down payment, and more.

The best part is you may find out you’re closer to your goals than you realized. You don’t necessarily need to put 20% down, unless it’s specified by your lender or loan type. As Down Payment Resource says:

require no more than 3% to 5% of the purchase price as a down payment. Plus, there are loans and grants that may help cover these costs. Search for down payment assistance in your area, and discuss your results with your mortgage lender...”

3. How Long Do You Plan to Live There?

Another important thing to think about is how long you plan to stay put. It takes time to build equity in your home through paying down your loan and home price appreciation. If you plan to move too soon, you may not recoup your investment. For example, if you’re looking to sell and move again in a year, it might not make sense to buy right now. As a recent article from CNET says:

So, think about your future. If you plan to transfer to a new city with the upcoming promotion you’re working toward or you anticipate your loved ones will need you to move closer to take care of them, that’s something to factor in.

Above all else, the most important question to answer is: do you have a team of real estate professionals in place? If not, finding a trusted local agent and lender is a good first step.

Bottom Line

If you’re trying to decide if you’re ready to buy a home, these questions can help. But ultimately, your best and more reliable resource is the help of trusted real estate professionals.

Source: https://www.mykcm.com/blog/how-toknow-if-youre-ready-to-buy-a-home

“A 20% down payment on a home is great, but... many mortgages
“Buying a home is a good idea if you’re planning to stay put for at least three years. Home values typically increase between 2% and 5% annually, so you could end up paying more in closing costs than you’d earn in proceeds if you sell after only a year or two.”
39 HOME SIMPLICITY MAGAZINE

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40

NATIONAL CITY

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41 HOME SIMPLICITY MAGAZINE

OTAY MESA

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OTAY MESA

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42

POINT LOMA

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43 HOME SIMPLICITY MAGAZINE

SAN MARCOS

2368 SENTINEL LANE

3 BR | 2.5 BA | 1,419 ESF

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930 VIA MIL CUMBRES #136

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883 W SAN YSIDRO BOULEVARD #2

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5 BR | 2.5 BA | 2,225 ESF

$910,000

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3890 SIPES LANE #20

4 BR | 2 BA | 1,440 ESF

$195,000

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1021 BUENA VISTA AVENUE

4 BR | 2.5 BA | 2,212 ESF

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44
REAL ESTATE BROKER | DRE# 01238780 619.991.9291 AmySaflar@gmail.com amy saflar SEPTEMBER 2023 homeofthe month & Magnificent Views 7817 Santaluz Inlet San Diego, CA 92127 Serenity, Privacy, How to Know If You’re READY TO BUY A HOME THE NORTHERN LIGHTS by Land, Sea, and Sky

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AmySaflar@gmail.com

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words from past clients

“After the passing of loved ones, Amy helped my family sell multiple properties at very stressful times. She is always calm, pleasant, respectful and most of all she knows real estate. Amy was there from start to finish, letting me know the most effective ways to get the property ready for sale and how to get the highest offer possible. She is also quick to respond to any questions, and made a daunting task easy and manageable.”

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45 HOME SIMPLICITY MAGAZINE
46 UNIVERSITY HEIGHTS 4212 MARYLAND STREET #5 2 BR | 2.5 BA | 1,139 ESF $880,000 MLS# 230014144 UNIVERSITY HEIGHTS 4133 FLORIDA STREET #5 2 BR | 2 BA | 849 ESF $599,000 MLS# 230016262 Your dreams don’t have to be just dreams. Where’s your next move?
HOME SIMPLICITY MAGAZINE
Guiding you home | since 1906 www.coldwellbankerwesthomes.com BIANCA MENDEZ REALTOR® | DRE#01344084 619.279.7943 mbmendez1@gmail.com

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