KNOWLEDGE | EXPERIENCE | TRUST

BLUE KEY REAL ESTATE

We believe the role as your Realtor is to guide you through the buying or selling process, taking the time to make sure you understand every step of the transaction.

Buying a Home

Interest Rates

Home Inspections

Inspections are designed to help you understand the overall condition of a property, potentially saving you considerable time with the purchase process and hundreds or thousands of dollars in repairs. Some of the inspections which may be required or recommended by your real estate professional are:

Standard Home Inspection

Asbestos Inspection

Composition Board Siding

Lead Paint Inspection

On-Site Waste System (SeptiChekTM) Evaluation

Pool/Hot Tub Inspection

Private Well Flow and Potability Inspection

Stucco Siding Inspection

Underground Storage Tank (UST) Inspection

Buying

Selling a Home

Setting the Listing Price

If you set the price too high, your house won't be picked for viewing, even though it may be much nicer than others in the area.

 

You may have told your REALTOR to "Bring me any offer. Frankly, I'd take less." But in that list of houses, yours simply looks too expensive to be considered.

If you price too low, you'll

short-change yourself.

 

Your house will sell promptly, yes, but before it has time to find the buyer who would have paid more.

 

NOTE: Never say "asking" price, which implies you don't expect to get it.

FORECLOSURES

SHORT SALES

RESOURCES

FAQ

Market Analysis

Using Comparable Sales

To determine the proper list price, contact me today and I'll provide you with the following professional services:

 

 Furnishing comparable sales

 Analyzing market conditions

 Helping to determine offering incentives

 Estimating your net proceeds

Selling

What is Foreclosure?

The current U.S. housing market and national financial crisis has caused untold stress and heartache for many American families. Foreclosure is one of the most devastating financial challenges that a family can face and one that many times can be avoided. The options available to San Diego-area residents for foreclosure are many. Following is a brief explanation of these solutions, including their benefits and drawbacks:

Reinstatement

 

 Benefit: Does not require the mortgage company or lender's approval.

 Drawback: Requires that a homeowner be able to pay all back payments, fines and fees.

 

Forbearance or Repayment Plan

 

 Benefit: Allows the homeowner to make back payments over time.

 Drawback: Requires that a homeowner be in a financial position to pay not only their current mortgage, but also a portion of the back payments owed. Some mortgage companies will require a homeowner to 'qualify' for forbearance.

 

Mortgage Modification

 

 Benefit: Reduces the payment a homeowner is required to make on a monthly basis and may reduce --the principal balance of the loan

 Drawback: Requires that a homeowner 'qualify' for the new payment and will often require full odocumentation. Lender has to be actively pursuing modifications.

 

Rent the Property

 

 Benefit: Allows homeowner to keep property indefinitely.

 Drawback: The issues that can arise with a rental property are many, and rent often does not cover othe full cost of property ownership and maintenance.

 

Deed in Lieu of Foreclosure

 

 Benefit: Many times in a successful deed in lieu, the lender will forego their right to a deficiency judgment.

 Drawback: Requires that a homeowner vacate the property, and a deed in lieu may be reported to ocredit bureaus as a foreclosure.

 

Bankruptcy

 

 Benefit: Does not require lender approval.

 Drawback: If a homeowner cannot afford their mortgage payment, a bankruptcy will only stall—not ostop—the foreclosure process. Bankruptcy can be costly, is damaging to credit scores, and can only obe declared once every seven years.

 

Refinance

 

 Benefit: In some cases, this will lower payments.

 Drawback: In today's market, a refinance will almost always raise mortgage payments, and is an oexpensive process.

 

Servicemembers Civil Relief Act (military personnel only)

 

 Benefit: If qualified, this will lower payments on all consumer debt in addition to mortgage   payments.

 Drawback: Must be active military to qualify.

 

Sell the Property

 

 Benefit: Allows homeowner to avoid foreclosure and harvest some of their equity.

 Drawback: In many cases today, homeowners do not have sufficient equity to sell their property without onegotiating a short sale (see next solution).

 

Short Sale

 

 Benefit: A short sale allows the homeowner to avoid foreclosure and salvage some of their credit rating. oThis also keeps foreclosure off the individual's public record, and in many cases will allow the homeowner oto avoid a deficiency judgment. Borrower may qualify for another mortgage in as little as 24 months (as opposed to five years for a foreclosure).

 Drawback: Short sales can be a trying process in which a homeowner is best served by contracting owith a qualified real estate agent to guide the way.

 

Selling

What is a Short Sale?

 A homeowner is 'short' when the amount owed on his/her property is higher than current market value.

 A short sale occurs when a negotiation is entered into with the homeowner's mortgage company (or companies) to accept less than the full balance of the loan at closing. A buyer closes on the property, and the property is then 'sold short' of the total value of the mortgage.

 Financial Hardship – There is a situation causing you to have trouble affording your mortgage.

 Monthly Income Shortfall – In other words: "You have more month than money." A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.

 Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

Selling

Do I qualify for a short sale?

1. Financial Hardship – There is a situation causing you to have trouble affording your mortgage.

2. Monthly Income Shortfall – In other words: “You have more month than money.” A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.

3. Insolvency – The lender will wtant to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

What is a mortgage modification?

  Your interest rate

  Your principal balance (through a reduction)

  Your loan terms (example: from an adjustable to a fixed rate)

Why would a lender modify my mortgage?

What do I need to qualify for a mortgage modification?

 Information about your first mortgage, such as your monthly mortgage statement

 Information about any second mortgage or home equity line of credit on the house

 Account balances and minimum monthly payments due on all of your credit cards

 Account balances and monthly payments on all your other debts such as student loans and car loans

 Your most recent income tax return

 Information about your savings and other assets

 Information about the monthly gross (before tax) income of your household, including recent pay stubs if oyou receive them or documentation of income you receive from other sources

How do I qualify for a mortgage modification?

What if I don’t qualify for a mortgage modification, can’t afford my home, and owe more than it’s worth?

What is a Home Affordable Refinance?

What are the qualifications for a Home Affordable Refinance?

 You are the owner occupant of a one- to four-unit home

 At the time you apply, you are current on your mortgage payments (you haven’t been more than 30 days olate on your mortgage payment in the last 12 months, or if you have had the loan for less than 12 months, oyou have never missed a payment)

 You believe that the amount you owe on your first mortgage is about the same or slightly less than the current ovalue of your house

 You have income sufficient to support the new mortgage payments, and the refinance improves the long-oterm affordability or stability of your loan

Selling

A Gift from us to You!

Request Your 10# Off e Coupon Today!

It can be used at any Lowe’s store or on Lowes.com. It’s the perfect way to help you with everything you need for your home! It is good for purchases up to $10,000. Use it to save up to $1,000 on staging your Home!

Blue Key Real Estate

We understands that listing your property for sale is an important period in your life. We believe that proper staging of your property requires a little spending; maybe a coat of paint here and there; maybe cleaning up the yard and adding flowers; or spending the money on fixing a leaky faucet. Staging your home properly with a team that knows how to help you do this, while saving 10% of your hard earned money is a win win for all. Fill out the form below and we will make sure that Lowe’s Home Improvement will send you a 10% coupon as a thank you for doing business with us!

 

The Team at Blue Key Real Estate

Good for purchases up to $10,00 Use it to save up to $1,000 on staging your Home!

Finance

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Meet Our Real Estate Agents!

We believe the role as your Realtor is to guide you through the buying or selling process of finding the perfect home, taking the time to make sure you understand every step of the transaction.

DAVID T MEJIA

REALTOR®

CA BRE Lic. #01448424
Se Habla Español

ANTHONY R KIAH

REALTOR®

CA Broker Lic. #01351256

Se Habla Español

Agents

Let us help you find your dream home.

Online search tools are great.  However, often there is additional information for real estate and homes for sale that you will not see online.  Our area expertise allows us to recommend the very best properties that fit your needs.

Available Properties For Sale

3 buildings are for sale 1247, 1241, 1239 Goodrich ave. there is also a strip of land located between 1247 and 1241 that would also convey with sale, currently all buildings are rented to a, Tire Shop and a Church, the properties are accessible from the rear alley way and at least one of the building has truck size bay door. Seller would also consider selling separately. Seller is willing to carry the note at 75% LTV interest only for 10yrs. $94,800 yearly income property located on Goodrich Blvd. between Pacific pl. & Boswell pl. in the city of Commerce.

1239-1247 Goodrich Blvd., Commerce, CA 90022

Offered at $1,000,999

Commerce Industrial Center

Perfect for the Owner/User, Very close to busiest border crossing in the world, currently under renovation when completed, it-will most likely bring appreciation to the entire city of San Ysidro. PROPERTY NEXT DOOR SOLD 11/30/12 FOR $950K

 

General Information:

1 Story

Lot SqFt: 7,000

161 w. San Ysidro, San Ysidro, CA 92173

Offered at $475,000

Fred Loya Insurance - Building for Sale

Feature

Listings

161 w. San Ysidro, San Ysidro, CA 92173

Offered at $475,000

Fred Loya Insurance - Building for Sale

Available Properties For Rent or Lease

Three Bedrooms

One Bathroom

One Story

1,264 SqFt Home

Spacious Backyard

Two Car Garage

Long Driveway for RV or

Additional Parking Space

790 Ash Ave, Chula Vista, CA 91910

$1875/Month

Single Family Home in Chula Vista centrally located.

Apply Now

BLUE KEY REAL ESTATE

The entire real estate experience is about one thing—you! You deserve attentive tservice and on-demand help, and we’re ready to provide that for you. You have questions, we have answers. Contact us today and let us know exactly how we can help.

Let us help YOU find your dream home...

Please let us know your needs and we will promptly send you the best available options.

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If this is a fire, medical, or police emergency,

Call 911 immediately.

If you have maintenance issues:

 

Q: What is a property management company?

A: A company who manages & oversees other people’s properties. They also act as a liaison between the actual owners & the tenant(s).

 

Q: Is renter’s insurance required?

A: No. however it is in your best interest to get it.  Property owners insurances usually cover losses to structures not personal belongings.  If you get renters insurance it typically costs around $150 per year.  Renters insurance can cover personal items like your laptop and other belongings stolen or damaged from your person or, home or vehicle. It may also cover you if one of your guests is injured on the property. Talk to your insurance agent. Its fast, and cheap you probably get a discount if you get it from whoever has your car insurance.

 

Q: Does BKR accept any/all housing assistance programs?

A: We do accept housing assistance but any applicant with assistance is still required to follow application procedures and meet rental requirements.

 

Q: This is my first time moving, do you have any tips?

A: Moving can be overwhelming and it’s hard to keep track of everything. A moving checklist will help you reduce stress while moving into your new place.

 

Pack everything during the weeks before the move and label all boxes with the room where they will go. Moving day you should be directing traffic and loading trucks not packing. Man power is scarce and costly.

 

If you can spring for the bigger truck and get the insurance! Then contract some guys to help and pack the heaviest items first.  The big truck will probably move all your appliance living room and at least 2 bedrooms in one trip. You can get a few guys for $200 or so for 3 hours directly from UHUAL. Remember, less time driving back and forth means more time actually spent moving.

 

Throw away, donate, or shred unneeded documents and personal items. Don’t clutter your house from the get go.

 

 

As soon as you know where your moving call utility company and schedule transfer of services ahead of time in some case you can schedule weeks ahead and they won't start billing you until the day you tell them this may avoid you waiting from 8 am to 5 pm to show up to turn something on.  Being without electricity or internet for a week is horrible.

 

Q: Who do I contact for an update on my application?

 

Q: How do I schedule an appointment to view an available rental?

 

Q: When should I change the utilities over into my name?

A: If you are responsible for paying any of the utilities in the premises then you must have them switched over into your name 24 hours prior to move-in.

 

Q: When is my rent due?

 

Q: What if my rent will be late?

 

Q: How do I pay my rent?

 

Q: How do I report a problem?

 

By reporting a maintenance issue you grant us permission to enter your apartment at any time from 8am to 5pm, Monday through Friday to address the issue, unless you specify otherwise.

 

 

Q: What if I get locked out of my apartment?

 

Q: I am going away, should I turn the utilities off?

A: Yes.

 

Q: I have moved out of my apartment. When can I expect my security deposit?

A: Your security deposit will be returned to you within 30 days of the end of your lease responsibility (or 21 days after vacating if you are a tenant at will), minus any deductions for cleaning, damages, late fees, non-payments, any outstanding invoices, etc. Any deductions will be noted on an itemized list of charges. In order to expedite the process, please be sure to inform us of your new address prior to moving out of the premises by completing the intent to vacate form.

 

Q: My lease is expiring, what should I do?

 

Q: What if I want to add a roommate to my lease?

A: The person must complete and submit an application as well as pay the application fee. Once the application has been processed, you will be notified whether or not the person may move in with you and if any additional rent may be applied. Please note that the person may not move in with you until he/she has followed the appropriate procedure and all parties have signed the lease addendum adding the person(s) to the lease agreement.

 

Q: What is the Pet Policy?

A: No pets are permitted in or around the premises without approval from the Landlord. If you want to add a pet to your lease you must get permission from the office first & may be required to pay an additional fee or security deposit. It is your responsibility to keep your pet’s cage and/or litter box clean and odor free.

 

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Contact Us

BLUE KEY REAL ESTATE

The entire real estate experience is about one thing—you! You deserve attentive service and on-demand help, and we’re ready to provide that for you. You have questions, we have answers. Contact us today and let us know exactly how we can help.

Blue Key Real Estate

520 Glover Ave, Ste. A

Chula Vista, CA 91910

Office Hours By Appointment Only

Monday - Friday 9:00 a.m. to 5:00 p.m.

Saturday - By Appointment Only

Sunday & National Holidays - Closed

Resource

Guide

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Blue Key Real Estate Broker CA BRE #01351256 | 619Agent Group CA BRE #01448424 | 520 Glover Ave, Ste. A, Chula Vista, CA 91910 © 2014. Privacy policy.