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Mechele Cook
760-855-5486
DRE# 01878341

Ginger Proffitt & Associates Blog

Tuesday, June 4, 2019   /   by Ginger Proffitt

What's Your Home Actually Worth? How to Discover What Buyer's Will Pay in Today's Market

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Monday, May 20, 2019   /   by Ginger Proffitt

Top 10 Myths That Trip Up First Time Home Buyers

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Tuesday, April 30, 2019   /   by Ginger Proffitt

SENIOR CORNER - What to Consider When Choosing Your Home To Retire In

As more and more baby boomers enter retirement age, the question of whether they should sell their homes and move has become a hot topic. In today’s housing market climate, with low available inventory in the starter and trade-up home categories, it makes sense to evaluate your home’s ability to adapt to your needs in retirement.
According to the National Association of Exclusive Buyers Agents (NAEBA), there are 7 factors that you should consider when choosing your retirement home.
1. Affordability

“It may be easy enough to purchase your home today but think long-term about your monthly costs. Account for property taxes, insurance, HOA fees, utilities – all the things that will be due whether or not you have a mortgage on the property.”

Would moving to a complex with homeowner association fees actually be cheaper than having to hire all the contractors you would need to maintain your home, lawn, etc.? Would your taxes go down significantl ...

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Thursday, February 21, 2019   /   by Ginger Proffitt

SENIOR CORNER - If I Move..How?

Somewhere between touring new homes, sorting your possessions, choosing what to take and what to leave, it suddenly hits you: Downsizing is a LOT OF WORK!

First you need to realize you don't have to deal with this alone. There is an army of people who are available to make your move possible. Working with experienced, reliable professionals is the surest way to ensure a smooth transition. In addition to specializing in downsizing moves, we can help you find a qualified team to assist you. We can refer everything from a Move Manager to Movers to Estate Liquidators to House Cleaning Services, etc.

Where to begin? Begin with sorting. To keep..or not to keep.  Sorting through household items and a lifetime of memories can be one of the most time-consuming emotionally difficult tasks associated with any move.  This is where a Move Manager can help getting you organized and sort your belongings and then help you decide what to keep and what to discard... What to give away to ...

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Saturday, February 16, 2019   /   by Ginger Proffitt

Buying a Home? Do You Know Lender Lingo?

To start you on your path with confidence, here is a compiled list of some of most common terms used with lenders when buying a home.

APPRAISAL - A professional analysis used to estimate the value of the home. A necessary step in validating the home's worth to you and your lender to secure financing.

CLOSING COSTS - The cost to complete the real estate transaction. Paid at closing, they include: points, taxes, title insurance, financing costs, items that must be prepaid or escrowed. Ask your lender for a complete list of closing costs.

CREDIT SCORE - A number ranging from 300-850, that is based on an analysis of your credit history. Helps lenders determine the likelihood that you'll repair future debts.

DOWN PAYMENT - Down payments are typically 3-20% of the purchase price of the home. 0% down programs also exist, Ask your lender for more information.

MORTGAGE RATE - The interest rate you pay to borrow money to buy your house. The lower ...

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Realty One Group San Diego
Ginger Proffitt
11440 West Bernardo Court Ste 100
San Diego, CA 92127
760-807-0800
DRE# 01878341

Based on information from California Regional Multiple Listing Service, Inc. as of June 26, 2019. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.