Dippy Digest 2013 by DippyChhina

SCV Home Values have Increased 17%

Santa Clarita Valley

2013 Real Estate Market Update

Dippy

R E A L E S TAT E . C O M

M A R K E T I N G M A T T E R S . . . E x p e r i e n c e t h e D i ff e r e n c e

This publication is distributed to 65,000 addresses in Valencia, Saugus, Stevenson Ranch, Castaic, Canyon Country and Newhall

Available Listings

Gated River Village View Home

Charming Single Story Sylmar Home

Tesoro Del Valle Executive Home

Picture your home here!

26627MillhouseDr.com 5BD, 3.5BA, Loft, 2,910 Sq Ft, Built in 2012 Offered at $600,000

29350LasBrisasRd.com 5BD, 3BA, 3,437 Sq Ft, Built in 2004 Offered at $650,000

Dippy

14988RyanSt.com 3BD, 2BA, Loft, 1,161 Sq Ft, Built in 1955 Offered at $350,000

Call Dippy for a confidential evaluation on the current market value of your home!

661-645-9291

R E A L E S TAT E . C O M

M A R K E T I N G M A T T E R S . . . E x p e r i e n c e t h e D i ff e r e n c e

Experience the difference!

Good Work is its own reward!

Lee and Dawn listed their home for $475K and Dippy sold it for $505K! They were so happy they referred their neighbors Jeff and Suzanne.

much? s i h t ® r o t ur Real o y e v o l Do you y, , and ing Dipp n r o M ard work d h r u Goo o y all sible. again for ly as pos h u t o o y o k m n s a ale go as the best. s ted to th n ly e a s u r u w t o t e h s r I ju g our you a Florida. ed with, to makin o k n t r o s io t w u a e h ic v it d de uw we ha you #1 d take yo Realtors n e a h p t u ll ts makes a u n o e y li Of c k r c u a p that you rn for yo w e want to o c t h n s s o c u ju e o e y W are, enuin is like you c rity and g ess, that t g c e in a t s t u in s b r ju u is ’t Yo u don . In th ur words inion! Yo o p y o r h c u t o a . in ctions m l market a a r c u lo o y is d h t lly in care, an g - especia y t li marketin a t u n q a e li r il a r r a our b for d with y repping e p s s f e o r s p s e d proc ally im offers, an also equ he entire e t h e o t r t a g h e in c g a W pro u mana smart ap oment yo nd finally m a e g n in o h t p skills and ogra ful, e is no ing, phot al, cheer rty...ther n e io p s o s r e p f o sale, stag e f th uly our pr nt sale o ate is tr ff with y t s o E s k l c a o e s subseque our l be beck R blowing e you wil ch. Dil s a o o p r p p u p were not s a you ius and gen you. Do e!! e k li t n positive e ippy ther n ag D a a e d v e a e h n o ? We blessed t o Florida and t t n e s d business e h t in cloned an ourself vesting y e! in r o f h should b uc e M ic v o r S e s u r o stome Thank Y s what cu u f o ll n a n Newto showing w a D , ly e Sincer

Jeff and Suzanne listed their home that was much smaller than Lee and Dawns for $475k and Dippy sold it for $480K! They were so happy they referred their friends Bill and Lesia.

Bill and Lesia listed their home for $350K and Dippy sold it with multiple offers way above their list price!

Bill and Lesia are now in escrow on their dream home and hope to move in by Halloween!

Call Dippy today! 661-645-9291

A Message from Dippy As you will see in my Real Estate Magazine, 2013 has been an amazing year for Real Estate. I can’t wait to share my findings with you! I have received an overwhelmingly positive response from many residents to my Real Estate market studies, which is why I have sent you this summary. The State and National news on the housing market is very optimistic, but usually reporting outdated statistics from a couple of months ago. The real estate market changes rapidly so I want my clients to know what is happening in SCV real estate today as well as my predictions for real estate in the last part of 2013.

I have personally written and researched all of the content in this Market Study. I hope you find it both informative and helpful. Please call me or email me with Need Photo any suggestions you may have for future studies, or any questions you have. Take Care,

(661) 645-9291 home@seedippy.com

Page 5 2013 Real Estate in Review Page 6 2012 Real Estate Summary Page 7 How is Your Area Doing? Page 8 My sellers made $53K more than their neighbors! Page 9 Questions You Should Ask When Hiring A Realtor® Page 10 Sold by Dippy Page 12 Why Prices Went up 17% this year Page 14 How long will prices keep going up? Page 15 Will Prices Crash Again Page 16 10 Mistakes to Avoid When Picking a Realtor Page 17 Picking the Right Real Estate Agent Page 18 Triple P Marketing Plan Page 19 Dippy’s Selling Process

Let’s get social! Join me on Facebook! facebook.com/dippyrealestate

2013 in Review The year 2013 was an awesome year in SCV real estate! We saw the comeback of multiple offers, buyers actually lining up to see houses and buyers writing offers on homes they hadn’t even seen yet! The increase in buyer numbers has caused the average price of a home to go up 17% in the first nine months of this year. The increase in price this year was fuelled by record low interest rates, a low number of homes for sale, low home prices and fewer bank owned

properties coming onto the market. The graph below shows the average price of a home in the different areas of SCV. As you can see we have turned the corner with significant increases in prices this year with a majority of areas reaching 2008-2009 levels. This market summary will explore what is happening specifically in SCV; I will go over what happened so far this year and whether I feel this trend continue.

See the stats on your city…

2013 Real Estate Summary

Call Dippy 661-645-9291

How is your area doing? Market Update Valencia – 12% INCREASE The average price of a home is $444K and 803 have sold so far in 2013. Prices are up 12% from 2012. Currently there are 175 homes for sale in Valencia, this is 96 more than there were last year. Only 11% of the homes on the market are in distress compared to 54% two years ago. Market Update Saugus – 18% INCREASE The average price of a home is $402K and 509 have sold so far in 2013. Prices are up 18% from 2012. Currently there are 94 homes for sale in Saugus, this is double the number of homes for sale in Saugus last year. Only 16% of the homes on the market are in distress, compared to 65% two years ago, this is the largest reduction in distressed properties in SCV. Market Update Stevenson Ranch – 23% INCREASE The average price of a home is $559K and 165 have sold so far in 2013. Prices are up 23% from 2012, this is the second highest appreciation in SCV this year. Currently there are 26 homes for sale in Stevenson Ranch. Amazingly none of the homes for sale in Stevenson Ranch are distressed sales, (bank owned or short sales). Two years ago 45% of homes for sale were in distress. Market Update Canyon Country – 18% INCREASE The average price of a home is $347K and 751 have sold so far in 2013. Prices are up 18% from 2012. Currently there are 122 homes for sale in Canyon Country, this is double the amount there was for sale last year. Only 10% of the homes on the market are in distress, compared to 59% two years ago. Market Update Castaic – 14% INCREASE The average price of a home is $390K and 306 have sold so far in 2013. Prices are up 14% from 2012. Currently there are 29 homes for sale in Castaic, this is 46% more than there were last year. Only 10% of the homes on the market are in distress compared to 37% two years ago. Castaic has the lowest inventory in the Santa Clarita Valley, with only 33 days of supply left. Market Update Newhall – 25% INCREASE The average price of a home is $344K and 308 have sold so far in 2013. Prices are up 25% from 2012. Currently there are 54 homes for sale in Newhall, this is 50% more than there were last year. Only 7% of the homes on the market are in distress compared to 54% two years ago. Newhall has the second lowest level of distressed homes currently on the market in SCV.

My sellers made $53K more than their neighbors! I recently sold a home in Saugus for $53K more than a home a few doors down on the same side of the street! The other house was more upgraded and nicer than the house I was selling. Can you figure out how I got an extra $53,000 for my clients?

Dippy’s Listing

Other House

$525K

List Price

$480K

$540K in 50 days

Sold Price/DOM

$487K in 53 days

4/30/13

Listed On

4/22/13

1979

Year Built

1979

4 Beds / 3 Bath

Beds / Baths

4 Beds / 3 Baths

2,421

Sq. ft.

2,372

7,705 Sq Ft

Lot Size

14,603 Sq Ft

Yes

View/Pool

Yes

Original Kitchen w/ appliance and original Bathrooms

Upgrades

Upgraded Kitchen w/ newer Stainless Steel appliances, cabinetry and granite counters, remodeled Master bath

Dippy’s Marketing System

Marketing

Unknown

The house down the street should have sold for more than the house I listed. It didn’t because I made sure my sellers were more aware of what was happening in the market, I made sure they had a much stronger marketing plan and I made sure I negotiated every penny for my sellers!!! 8

53,000 Reasons to Hire Dippy

Some Questions You Should Ask When Hiring A Realtor®: q Does the Realtor® know the market? Ask very specific questions about your neighborhood, the SCV, and the region. Your Realtor® should have a solid grasp of what has happened in your market, and what is likely to happen in your market in the future. Obviously the other Realtor® in our example did not know what the market could bear. q What is the Realtor’s marketing plan? Your Realtor® should be able to show you a detailed marketing plan highlighting exactly what they will be doing. If your Realtor® is only going to put the house in the MLS and a sign in the front yard, you better start looking elsewhere, (or you could just call me). Make sure your Realtor® specifically tells you everything they will be doing to sell your home. In our example, my marketing plan was obviously far superior getting my seller an extra $53K!!! q How many homes have they sold and how long does it take them? You do not want to get stuck with a Realtor® that does not know what they are doing. A proven track record goes very far. Also you may want to know how many times they received multiple offers? q Ask the Realtor® if they will reduce their commission? All my Realtor® friends are definitely going to ditch me after reading this! However this is a fair question, you need to know how strong of a negotiator your Realtor® is. If they cannot protect their own commission from you, than how do you think they will protect your money in the sale. In the example, I had to protect my sellers money from the buyers initial low offer, a very low appraisal, and it was an older house - so I needed to protect my seller from a long request for repair list. As a seller you need to make sure you have someone with very strong negotiating skills on your side, so you do not lose a single penny! I’m sure you can see I do not leave any money on the table. q Definitely go with your instinct! If something does not feel right when you are sitting with the Realtor®, trust yourself. You will be working very closely with this person and looking for guidance. If they have not been able to gain your trust, then move on. There are many fine Realtors in the SCV, I am sure you will find the right one for you…and don’t forget to call me!

Call Dippy 661-645-9291

21159 Elder Creek Drive, Saugus $540,000 4/3, 2,421 sq. ft., Built in 1979

23851 Bennington Drive, Valencia $480,000 3/3, 1,355 sq. ft., Built in 1989

23859 Bennington Drive, Valencia $505,000 3/3, 1,799 sq. ft., Built in 1989

ld So 22327 Homestead Place, Saugus $578,000 5/3, 2,962 sq. ft., Built in 2003

19712 Alyssa Drive, Newhall $475,000 4/3, 2,420 sq. ft., Built in 2004

19823 Ellis Henry Court, Newhall $514,000 5/3, 2,484 sq. ft., Built in 2005

27213 Blueridge Drive, Valencia $610,000 4/4, 3,315 sq. ft., Built in 1998

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29010 Shadow Valley Lane, Saugus $475,000 3/2, 1,915 sq. ft., Built in 1990

23744 Western Cedar Court, Valencia $475,000 2/3, 2,287 sq. ft., Built in 2004

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28032 Fox Run Circle, Castaic $360,000 3/2, 1,204 sq. ft., Built in 1981

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27836 Walnut Springs Ave, Canyon Country $365,000 3/2, 1,144 sq. ft. , Built in 1962

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Dippy’s Recent Succes$es

15230 Live Oak Springs Cyn Rd, Cyn Country $885,000 5/4, 4,276 sq. ft., Built in 1998

Helping Santa Clarita Homeowners

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25839 Oak Meadow Drive, Valencia $1,899,000 4/4, 5,807 sq. ft., Built in 2009

27069 Maple Tree Court, Valencia $788,000 4/3, 3,252 sq. ft., Built in 2002

Dippy

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25843 Shady Oak Lane, Valencia $1,400,000 5/4, 4,500 sq. ft., Built in 2005

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24442 Vista Ridge Drive, Valencia $650,000 4/3, 2,792 sq. ft., Built in 1979

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25440 Via Gracioso, Valencia $480,000 5/3, 2,289 sq. ft., Built in 1974

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Dippy’s Recent Succes$es

27472 Garza Drive, Saugus $430,000 4/2, 1,815 sq. ft., Built in 1972

24364 Allegra Way, Valencia $412,500 3/2, 1,936 sq. ft., Built in 2004

“If you are thinking of selling your home, give me a call. I promise to give you independent and confidential advice so you can make the right decision for your family.”

R E A L E S TAT E . C O M

M A R K E T I N G M A T T E R S . . . E x p e r i e n c e t h e D i ff e r e n c e

achieve their Real Estate Goals

Prices went up 17% this year.. Here Are Some Reasons Why

Low Interest Rates The government helped the housing recovery by keeping the interest rates at record low levels. In fact the interest rates were so low that the old printed calculation tables didn’t even go that low. Buyers entered the market taking advantage of the low interest rates and low prices and created additional demand. Another trend we saw at the beginning of this year was a tremendous influx of investors coming into the market. The increase in buyers and investors has resulted in an increase in demand for homes. The increase in demand for homes and the shortage in supply of homes resulted in prices going up.

Low Prices Made Homes Affordable Prices were at their lowest in 2012. They had actually fallen over 34% since 2006. This meant it was more affordable for home buyers to purchase a home. This is reflected in the housing affordability index (HAI). It measures the percentage of all households that can afford to purchase a median-priced, single-family home. The California HAI in 2006 was 12%, which meant only 12% of Californian’s could afford to buy an average priced home. In 2012 the HAI was 51%. The fall in home values meant that it was now more affordable for Californians to purchase a home than anytime in the last six to seven years.

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Less Distressed Property A distressed property is when a home owner either owes more on the home than it is worth or cannot afford to keep it. It can be called a short sale or a bank owned home where the bank foreclosed on the home. Last year over 60% of the homes sold were in some form of distress. This year only 33% of homes sold were in distress. The number of distressed sales fell because; 1) more loan modifications and government programs helped people stay in their homes, 2) as prices increased less people were underwater and could sell their home as a standard sale. Distressed sales affect home values because distressed homes sell for significantly less than standard sales; so if a majority of the homes sold are distressed then they basically drag down everyone’s home values. The graph below shows there is over $100k difference in price between standard sales and distressed sales. As I have said in many of my past reports, when the level of standard sales increase then home values will go up, and that’s what happened this year!

Low Inventory Months of Inventory refers to the supply of homes. It is calculated by dividing the number of homes on the market by how many sold per month. Throughout a majority of the first quarter we only had 1 month or less supply of homes on the market. This is significantly less than normal. A normal market has 6 months supply. It meant that there were not enough homes on the market for the number of buyers that wanted to purchase them. This is when we saw multiples offers and lots of bidding wars on homes. Obviously, as a result, home prices increased significantly!

How long will prices keep going up? As the graph shows, prices have already begun to stabilize. It seems like every day the national news is stating that prices are going up and the real estate market is on fire. You have to remember the national news is reporting information from 3-4 months ago. Home prices have gone up 17% this year already. There are a number of reasons why it is unlikely prices are going to continue to rise at this rate for the reasons below

1.Affordability On Page 12 we discussed the Housing Affordability Index (HAI). This measures the number of home buyers that can afford to buy a home. At the end of 2012, 53% of LA residents could afford to buy an average priced home. By June 2013 this had fallen to 39%. This means that 1 out of every 4 LA residents, that could have afforded to buy a home at the start of the year, can no longer afford to purchase a home in LA. With fewer buyers out there, the demand will slow down, and prices will stop increasing at the rate they have been.

2. Interest Rates Interest Rates have gone up over 1% this past year. This affects buyers drastically. For an average priced home in SCV the buyer ends up paying approximately $300 a month extra in interest. If you couple this with the increase in prices, and factor in property tax increases, buyers payments have gone up approximately $600-$800 a month. This is pricing buyers out of the market and again will taper demand and stabilize prices.

3. Inventory (No. of homes on the market) As you can see from the graph, there are over 50% more homes on the market in SCV than last year. A huge driver of the increase in prices was the lack of homes on the market, (see page 13). We still do have a shortage of homes and need more homes to be a normal market, but the trend is moving in the right direction.

Will Prices Crash Again? Most people ask me this question…and although I do not believe prices will continue to increase at the rate they have been, I definitely do not believe they will crash again. To understand this, first we must look at how this crash was different than past real estate crashes.

In previous crashes prices increased at an accelerated rate for 2 or 3 years - the bubble - and then they fall for a year or so and stabilize around the pre-bubble price. What happened this time around was prices increased at an accelerated rate for 6-7 years creating a massive bubble, and then fell for 6 years, falling below the prebubble level. The fact prices fell so low is what triggered the 17% in appreciation this year. Home values fell so low over the last few years because of the sheer number of homes that were in distress. If a home was sold as a foreclosure or a short sale, it sold for significantly less than a standard sale. The distressed sales outnumbered standard sales and as a result prices were driven further and further down. The poor state of the economy in this period also helped drive home values down. The reason I do not think that prices are going to crash again is that the number of home owners that are in distress has fallen significantly. Last year there were 68% less homes in foreclosure. Chart 1 below tracks the number of people that are not paying their mortgage and have had foreclosure proceedings started against them over the years. I do not believe prices will crash, but it can be seen in Chart 2, there is a significant fall in the number of sales over the last two months. This could be because of seasonal fluctuations in the real estate market. However I feel it is also because of the sharp increase in prices and interest rates this year making homes less affordable for buyers. I feel this will result in homes taking a little longer to sell, and maybe a slight correction in prices, but no crashes.

Chart 1

Chart 2

For a personalized evaluation of your home, call: 661-645-9291

10 Mistakes to Avoid When 1. Don’t just hire a friend or family member Interview your friend/family member. This is probably your largest investment, so make sure your friend/ family member is the most qualified for the job. 2. Don’t just pick the only agent that agrees with your selling price Some agents ‘buy’ listings. They get the agreement signed and then keep asking for price reductions. If an agent agrees with a higher price than it is important to find out how they will obtain that. Check their marketing plan and ask them how they will be getting the home appraised. 3. Don’t just pick the agent that sold the most homes Is it more valuable hiring an agent that listed 40 homes and sold 26 or an agent that lists and sells 22 homes in a year? You do not want to be one in a factory system. You want the undivided attention of the Realtor® you hire. It’s the age old dilemma of quality over quantity. 4. Don’t just hire an agent based on commission Don’t hire the Realtor® with the lowest commission because you get what you pay for. If an agent can’t protect his commission from you, how strongly do you feel they will be able to negotiate on your behalf. Make sure they have the skills for the job. There is no point in saving half point on commission but selling your home for 2% less than you should have. 5.

Make sure you go over the marketing plan

Every agent states they have a strong marketing plan. However many agents do not actually implement it because of the costs, time involved and sometimes they just don’t have the required skill set. Make sure you ask the agent for evidence, you need to know the marketing plan they have put forward was actually implemented. ® rs o t l a es of Re 10% % of hom ick 0 p sell 9 sure you e e Mak e right on th

It doesn’t cost you any more to work

Hiring the Right Listing Agent 6. Make sure your agent understands the market The market is changing constantly. When I was taking listings in March I was pricing them $25k to $50k over the last comparable sale. Whether I can do that today depends on the home, neighborhood and price point they are in. Your Realtor® needs to know and be able to explain the differences in the market. 7. Check additional qualifications Do trust your instincts but also make sure the agent has the skills for the job. Real Estate is constantly evolving. Your agent needs to be at the forefront of changes in the law, process, technology, social media, and programs that may benefit you or the buyer making your house more attractive to them. Ask your agent how they do this and what additional accreditations they have. 8. Make sure your agent is good at communicating with you This is the part that sellers find most frustrating. Make sure your agent has a great communication system. The biggest complaints against Realtors® is lack of communication with their own client and others in the transaction. Also make sure you are comfortable with the agents preferred method of communication, would you prefer phone calls, emails, texts, facebook, twitter etc. 9. Hire a strong negotiator In today’s market this is so important. Your agent has to know how to navigate through multiple offers. My last listing got over 19 offers. You need an agent that can handle this. Even once escrow is open, your agent needs to protect your sales price. Your agent has to protect your proceeds from appraisers, buyers request for repairs and many unforeseeable events that are coming up in today’s complicated escrows.

10. The last but biggest mistake is not to hire Dippy!!! I just had to write that in…I have written every page of this market review after all!!!

With homes selling fast it is even more important to pick the right Realtor! The most important thing to remember is that all Realtors® are not equal; each is unique. To sell a house for top dollar an agent needs a very extensive marketing plan with the marketing budget to match, an extensive Realtor® to Realtor® network they can speak with, specific local knowledge about your tract and area, and very strong negotiation skills to protect your interests.

with a top selling agent! Call Dippy 661-645-9291

i it

Pray till it sells!

The Triple “P” Marketing Plan Does Not Work! Many Realtors® use this method to sell homes and they do sell them. The real question is: Have the sellers left money on the table?

Why Does Dippy’s Marketing Plan Work? Many sellers ask me why I market so much and whether it makes a difference to their bottom line and the answer is very simple… YES! How many iphones do you think Apple would have sold without marketing? Apple’s marketing creates huge demand for their product, the more people want it the more they can charge for it. When I sell a home I make sure that I reach all prospective buyers directly and through their agents. I have a huge variety of different marketing tools to reach the most people. By creating a “buzz” around a house, we attract more buyers and increase the likelihood of multiple offers, thus getting the seller more money.

I will be there with you every step of the way

Dippy’s Successful Selling Process Preparing Your Home For Sale This is one of the most important stages in selling your home. We work together and bring in the professionals to showcase your home’s best features. Marketing to Buyers Directly Buyers need to be aware of your home. You cannot rely that their Realtor® will automatically tell them about the home. I take advantage of both social media and internet marketing for your home. I also still invest in print media…for the naysayers … remember you are reading this. Marketing to Agents Directly Human Nature says we gravitate to who and what we know. This is why networking is so important. I sit on the Board of Directors of SCV’s largest networking organization and I’m a member of it’s second largest. I am able to personally reach out to other agents about your home. Protecting your Interests My favorite part of the Real Estate process is protecting my client’s interests. I do this by negotiating on their behalf ferociously! And ensuring that the buyer is actually qualified to purchase your home. Navagating Through Escrow and Closing Escrow and closing are one of the toughest parts of real estate. This is where the agreement reached has to be carefully watched over. Appraisals and Requests for Repairs can be used as a tool against the seller.

5 Reasons to List with Dippy 1. I come with 15+ years of sales and retail marketing experience spanning 3 different continents. I relentlessly market your home until it is sold. 2. I am a full time Realtor® focused on SCV Real Estate. Real Estate is my sole focus. 3. As a homeowner and investor in SCV Real Estate I personally care about our home values. 4. I am a member of two of SCV’s largest independent networking groups working with 240+ Realtors® across 26 different brokerages. 5. I will sell your home for MORE!

to ensure the process is smooth and stress free!

Why Choose Dippy Real Estate… For me it’s a matter of personal pride, I want to make sure that when I represent a client I get them exactly what they need and then some! With 15+ years of international sales and marketing experience I bring a unique perspective to the Real Estate market.

25820 The Old Road Valencia, CA 91381

presorted standard us postage paid dilbeck

I was born into a family focused on Real Estate. My dad was a property developer in England; at a very early age I saw firsthand how Real Estate affected real lives. My dad’s philosophy when buying and selling has guided me in my career, he used to say “for peace of mind, the most important thing in Real Estate is to make sure that you have left nothing on the table!” This is how I feel about my clients. I want to make sure that I get them every last penny I can, because that’s what my dad taught me. I have over 15 years sales and marketing experience over 3 different continents in both “good” and “bad” markets. This has resulted in me building a very unique skill set when it comes to negotiating and marketing for my clients. I understand that Real Estate is not just one of the biggest transactions of your life; it is also your home, and where your family is making memories and enjoying life. Real Estate is my passion and I’m looking forward to helping you reach your Real Estate goals.

Dippy

Royal Oaks Ranch www.LakeHughesRoyalOaks.com Offered at: $5,900,000

R E A L E S TAT E . C O M

M A R K E T I N G M A T T E R S . . . E x p e r i e n c e t h e D i ff e r e n c e

661-645-9291 Lovdeep “Dippy” Chhina

home@seedippy.com BRE#01860911

If your home is currently listed with another Broker, this is not intended as a solicitation. Information provided by seller or third-party sources. Information not verified or guaranteed. Dilbeck Real Estate is Independently Owned and Operated.