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Mechele Cook
DRE# 01878341

Ginger Proffitt & Associates Blog

Thursday, February 21, 2019   /   by Ginger Proffitt


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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Thursday, February 14, 2019   /   by Ginger Proffitt

SENIOR CORNER - If I move...Where?

Living life to the fullest requires attention to our physical, emotional and mental well-being. Most people think of health in terms of physical well-being, but it is more that that. In planning for your new lifestyle,  don't forget to build in the things that contribute to all areas of your optimal health including social activities, hobbies and relationships.

Think of what type of lifestyle do I need and want - now and in the future?

Some questions to ask yourself....

1. Do I want apartment-style living, a single family home with a smaller yard, a patio home, a senior living community, independent or assisted living, or some other type of living situation?

2. Do I need assistance with health care or nutrition? Will I in the near future?

3. Do I need transportation? Will I in the near future?

4. Can I live independently? If so, for how long?

5. Is my family involved? If so, in what way?

6. Do I have friends or activities that I want to stay near?

7 ...

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Thursday, February 7, 2019   /   by Ginger Proffitt

How to Save For a Down Payment

For some consumers, a down payment is the only thing standing between them and the dream of home ownership. In today's economy, it's not always easy to save the necessary funds to not just get into a house of your own, but get a decent interest rate as well. Here are the simple things you can put into your personal or family action plan for saving that down payment money in less time. 

1. Get in the Know - Like any good budget or savings plan, the first place to start is to determine where you are NOW in relation to your credit score, your credit score, your monthly bills and assets.  Contact me or a trusted mortgage professional to see how much home you qualify for and how much you'll need to save to purchase your home. We can help you take a look at things like credit scores, loan requirements and interest rates now so you can be simultaneously doing ALL the things right during this savings period to ensure the most favorable rate and terms.  

2.&n ...

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Tuesday, February 5, 2019   /   by Ginger Proffitt

SENIOR CORNER - Do I Move or Do I Stay?

For the senior homeowner, the big question is 'Do I move or do I stay'? That is going to be a different answer for everyone. It is very individual and very personal. Sometimes the answer is easy. For many baby boomers they are tired of the big house, the big yard and all the upkeep and maintenance. For them, moving into a smaller, more manageable, home is often the answer. They might want to travel and are looking for a home in a safe neighborhood where they know it will be OK to be gone for extended periods. They might want to be closer to family. As retirement approaches, moving out of state might be the way to stretch retirement dollars.

Sometimes the choice is not so simple. Some would rather not move, but stay in their current home but something like stairs makes it difficult. Often health issues make this choice more difficult.

Create a plan that fits your lifestyle and future needs.

Step 1: Do your homework. Consider your interests, financial situation, location of fami ...

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

Based on information from California Regional Multiple Listing Service, Inc. as of April 20, 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.