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Archive for November, 2009
November 30th, 2009
Carlsbad Real Estate News – Credit Score Damage Points
| DAMAGE POINTS: HOW MISTAKES AFFECT FICO SCORES |
||
|---|---|---|
| Credit mistake | If your score is 680 | If your score is 780 |
| Maxed-out card |
Down 10 to 30 pts. |
Down 25 to 45 pts. |
| 30-day late payment |
Down 60 to 80 pts. |
Down 90 to 110 pts. |
| Debt settlement |
Down 45 to 65 pts. |
Down 105 to 125 pts. |
| Foreclosure |
Down 85 to 105 pts. |
Down 140 to 160 pts. |
| Bankruptcy |
Down 130 to 150 pts. |
Down 220 to 240 pts. |
| Source: FICO | ||
Carlsbad, CA - You may know your credit score – but do you have any idea how it is calculated? In a formula that is so secretive that they could tell you – but then they’d have to kill you, we never know how our actions will affect that score.
How will your credit score change if you close a credit card? Should you go through the hassle of a short sale, or just allow your house to go into foreclosure? What if things are tight, and you go over your credit card limit?
Your credit score is a three digit number normally between 300 and 850. It is the number used to determine the risk of giving you a loan.Scores over about 715 are considered good scores, and typically will get you the best interest rates. Scores over 600 and under 715 are moderate scores.
And although you may get a loan, you may pay a premium interest rate to get it. Scores under 600 are typically considered to be a high risk borrower. These borrowers either may not get a loan, or may pay much higher interest rates on their loan.
November 25th, 2009
Carlsbad, CA – BJ’s Restaurants Now Open In Carlsbad
Carlsbad, CA - You may have already heard my thoughts on our lack of great, moderately priced chain restaurants in Carlsbad, Encinitas, or Oceanside. These cities all are known for their many, amazing local restaurants, especially along the 101, but just never have focused on those great family locations, where you can pack up the kids and meet friends for a casual lunch or dinner. Read the rest of this entry »
November 23rd, 2009
Carlsbad, CA – PF Changs Restaurant in Carlsbad Now Open
Carlsbad, CA - If you live in Carlsbad, Encinitas, or Oceanside, you might feel like Mike and I do – that we have been missing some great moderately priced, chain restaurants. These cities all are known for their many, amazing local restaurants, especially along the 101. We have commented on some of our favorites – Swami’s, Honey’s, St. Tropez, etc.
Click below for menu, etc.
November 17th, 2009
San Diego Botanic Gardens – Garden of Lights
As we head into the holiday season, some of local Encinitas businesses are starting to celebrate in style! The San Diego Botanic Gardens will decorate their beautiful 30 acres into a dazzling winter wonderland. They will use over 100,000 sparkling lights to illuminate their trees, palms, flowering plants, and bamboo forest.
They will have activities for the entire family – from horse drawn wagon rides, marshmallow roasting over a fire, holiday crafts, live music, and refreshments. They will even be offering photos with Santa. Read the rest of this entry »
November 16th, 2009
Del Mar Holiday Wonderland – December 6th
Start the holidays off right. Pack up the family and head to Del Mar for a local community holiday event in Del Mar.
On Sunday, December 6th, the Holiday Wonderland will take over the downtown Del Mar area and will include horse drawn carriage rides, a visit from Santa, live music, and the “famous cake walk.” Read the rest of this entry »
November 11th, 2009
Encinitas Real Estate For Sale – Prices for October 2009
The average days on the market in Encinitas is 60, with an average selling price of about $681,000.
Average selling price is $604k, down a bit from $618k in September
Something else to note – in all price ranges – the high, low, and average – properties sold at over 90% of their listing price.
| B/B | SFt | LP | LP/SF | SP | SP/SF | SP/LP | |
| High | 5/6 | 5,177 | $1,795,888 | $914 | $1,740,000 | $914 | 97% |
| Low | 1/1 | 744 | $199,000 | $205 | $185,500 | $136 | 93% |
| Avg | 3/3 | 1,965 | $705,330 | $373 | $681,423 | $362 | 97% |
November 10th, 2009
Carlsbad Real Estate Prices – October 2009
Avg days on the market is 70 – up from 56 days on the market in September.
Average selling price is $604k, down a bit from $618k in September
Something else to note – in all price ranges – the high, low, and average – properties sold at over 95% of their listing price.
Although it may only be temporary, it seems that the average Carlsbad prices are trending up!
| B/B | SFt | LP | LP/SF | SP | SP/SF | SP/LP | |
| High | 5/6 | 4,913 | $1,469,000 | $828 | $1,410,000 | $774 | 96% |
| Low | 1/1 | 735 | $120,000 | $130 | $100,000 | $136 | 113% |
| Avg | 3/3 | 2,182 | $604,064 | $281 | $587,779 | $273 | 97% |
Mike & Amy Mewborn Real Estate Specialists
Mike: 858.205.2000
Amy:760.213.6653
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