View Lot for Sale Near Rancho Santa Fe at Artesian Trails


Artesian trail land for sale

Priced to sell! This is a wonderful opportunity to build the Estate of your dreams near Rancho Santa Fe and Fairbanks Ranch. This incredible West facing parcel offers amazing panoramic views of the surrounding mountains, dazzling city lights and views out to the ocean. This is one of the few remaining parcels in this exclusive area! Take advantage of this 10 acre parcel with no HOA, CC&R’s or MELLO ROOS! Developers and Builders – This is a great development opportunity!
Located just east of Fairbanks ~ North of San Diegito Road.

For more information, please call 858-400-7444 or Click here for property details

Your Biography Shapes Your Brand


Advertising is great for attracting business, but the place to make a personal connection to your customers is with your biography. The real estate markets continued shift towards online growth and mobile-friendly technology makes your professional biography a more prominent tool for generating clients.

We like to think of it as an integral part of your personal brand and we are happy help you develop it. Clients will be looking for your wisdom, eloquence and personality; your bio can help illustrate all those elements. The most important advice we give: Do not use your bio space to sell your services. There’s a time and a place for an advertisement, and this isn’t it! Keep your bio simple and honest – A biography is a written account of a life, if you come off as an advertisement, you’ll turn clients away. Make sure your clients see that you’re focused on their satisfaction and interests rather than your own business goals.

5 Simple Steps to Writing Your Real Estate Agent Biography – Writing or refining your real estate agent biography is at the top of the to-do list.

Step 1: Include Professional ExperienceYou’re the expert when it comes to real estate, so show it off! A well-rounded biography should include your skills, expertise, education, certificates, degrees, diplomas, classes taken, experience and awards.

Step 2: Provide a Personal TouchLife isn’t all work, so adding some insight into your personal life outside of work can be a great tool for connecting with potential clients. By including information about your family, pets, hobbies, and extracurricular activities, your clients will see you as a real person rather than just a Realtor. And, who knows when someone might contact you simply because you have something in common with them

Step 3: Link Yourself to the Real Estate AreaYou know the area better than anyone else, so be sure to include information about where you’ve lived and how long you’ve been an agent there. Demonstrate your knowledge of the area! On the other hand, if you’re new to the region, mention why you moved there and everything you love about it. This is a great way to build trust with your clients as they’ll need your guidance in finding the right home.

Step 4: Use a professional photo – Your face is your calling card and will become associated with your brand. People will also build a visual connection to you during their online search. This can seem obvious at first, but choosing the right image of yourself to share is an art form in itself. Save yourself the headaches of worrying about lighting, clothing and makeup, and hire a professional photographer. Make sure the photo is one you like, one that looks like you in person, and one that sends a positive impression.

Step 5: End it Right -Ultimately your bio is one way of helping your client’s get to know you so they’ll want to utilize your services – so be sure to include your contact information. This will give potential clients an immediate and easy way to contact you and access all you have to offer.

Take advantage of oulluo’s services and we will create and post a blog for you – Free of Charge!

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4 Reasons to Buy This Summer!

oulluo image 4 reasons to buy

4 Reasons to Buy This Summer!

Here are four great reasons to consider buying a home today, instead of waiting.

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 7.1% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 4.9% over the next year.

The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

2. Mortgage Interest Rates Are Projected to Increase

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have remained around 4%. Most experts predict that they will begin to rise over the next 12 months. The Mortgage Bankers Association, Fannie Mae, Freddie Mac & the National Association of Realtors are in unison, projecting that rates will increase by this time next year.

An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.

3. Either Way, You are Paying a Mortgage

There are some renters who have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent-free, you are paying a mortgageeither yours or your landlord’s.

As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity.

Are you ready to put your housing cost to work for you? 

4. It’s Time to Move on with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.

But what if they weren’t? Would you wait?

Look at the actual reason you are buying and decide if it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

If you are buying, selling or refinancing a home, contact Kevin Alvarez on 858 400 7444 or

The Impact Your Interest Rate Makes

oulluo interest rates impact

The Impact Your Interest Rate Makes [INFOGRAPHIC]

Some Highlights:

  • Interest rates have come a long way in the last 30 years.
  • The interest rate you secure directly impacts your monthly payment and the amount of house that you can afford if you plan to stay within a certain budget.
  • Interest rates are at their lowest in years… RIGHT NOW!
  • If buying your first home, or moving up to the home of your dreams is in your future, now may be the time to act!

    If you are buying, selling or refinancing a home, contact Kevin Alvarez on 858 400 7444 or

Mortgage Interest Rates Reverse Course in 2017

oulluo mortgage rates reverse course

Mortgage Interest Rates Reverse Course in 2017

To start the year, housing experts all agreed on one thing: 2017 was going to be the year we would see mortgage interest rates begin to rise. After years of historically low rates, and an improving economy, the question wasn’t if they would increase but instead how much they would increase. Some thought we could see rates hit 5-5.5% by the end of the year.

However, the exact opposite has happened. Instead of higher rates as we head into the middle of 2017, we now have the lowest rates of the year (as reported by Freddie Mac). Here is a graph of mortgage rate movement since the beginning of the year:

Mortgage Interest Rates Reverse Course in 2017 | MyKCM

Projections still call for an increase…

Four major entities (Freddie Mac, Fannie Mae, the Mortgage Bankers Association and the National Association of Realtors) are still projecting that rates will increase by the fourth quarter of the year.

Mortgage Interest Rates Reverse Course in 2017 | MyKCM

Bottom Line

No one knows for sure where interest rates will be in six months. However, if you are thinking about buying your first house or trading up to the home of your dreams, you can still get a mortgage at historically low rates RIGHT NOW.

Daydreaming About Your Perfect Home? Know What You WANT vs. What You NEED

In this day and age of being able to shop for anything anywhere, it is really important to know what you’re looking for when you start your home search.

If you’ve been thinking about buying a home of your own for some time now, you’ve probably come up with a list of things that you’d LOVE to have in your new home. Many new homebuyers fantasize about the amenities that they see on television or Pinterest, and start looking at the countless homes listed for sale through rose-colored glasses.

Do you really need that farmhouse sink in the kitchen in order to be happy with your home choice? Would a two-car garage be a convenience or a necessity? Could the ‘man cave’ of your dreams be a future renovation project instead of a make-or-break right now?

The first step in your home buying process should be to get pre-approved for your mortgage. This allows you to know your budget before you fall in love with a home that is way outside of it.

The next step is to list all the features of a home that you would like, and to qualify them as follows:

‘Must Haves’ – if this property does not have these items, then it shouldn’t even be considered. (ex: distance from work or family, number of bedrooms/bathrooms)
‘Should Haves’ – if the property hits all of the ‘must haves’ and some of the ‘should haves,’ it stays in contention but does not need to have all of these features.
‘Absolute Wish List’ – if we find a property in our budget that has all of the ‘must haves,’ most of the ‘should haves,’ and ANY of these, it’s the winner!
Bottom Line
Having this list flushed out before starting your search will save you time and frustration, while also letting your agent know what features are most important to you before starting to show you houses in your desired area.

We are available to help you create an action plan for your new home. Please give us a call at 858-400-7444, we’re happy to help!

When Other Banks Say No – We Say Yes!

When Other Banks Say No – We Say Yes!

You have all the requirements for the makings of a great loan and you went to your bank but they turned you down because your income didn’t qualify.

We are very exciting to announce the roll out of our new MAKE-SENSE home loan program!

Because tax returns are not required, our program works great for self employed borrowers who write off considerable business expenses and don’t fit into traditional lending guidelines.

And for the best part, this is NOT a hard money loan, Its our way of providing well deserved borrowers the financing that ordinary banks will not fund.

We’re a local bank with twenty years’ experience, And just like you, we go the extra mile for our clients so their loans fund quickly and at the lowest possible rates.


So now what do you do?

First we make it very easy by skipping those intrusive and cumbersome internet forms!

For more information regarding these exciting new loan programs, give us a call at 858-400-7444 or email us at

3 Consejos para hacer que su sueño de comprar una casa se haga realidad [infografía]

Configurar un plan de ahorro automático que ahorre una cantidad pequeña de cada cheque de pago es una de las mejores maneras de ahorrar sin pensarlo demasiado.Vivir con un presupuesto ahora le ayudara a ahorrar para su pago inicial y pagar otras deudas que tal vez lo están reteniendo

Algunos aspectos destacados: recientemente compartió ‘5 hábitos para empezar ahora si quiere comprar una casa en 2017’
Configurar un plan de ahorro automático que ahorre una cantidad pequeña de cada cheque de pago es una de las mejores maneras de ahorrar sin pensarlo demasiado.
Vivir con un presupuesto ahora le ayudara a ahorrar para su pago inicial y pagar otras deudas que tal vez lo están reteniendo.

The Home Buying Decision

How do people choose careers, colleges, spouses and towns. Of those decisions, buying a home ranks with the most difficult.

It is difficult emotionally. Like a lot of the biggest decisions, it is more emotional than coldly rational. People generally don’t select a house; they fall in love with it.

Part of that falling-in-love process is aesthetic: the sense you get within 10 seconds of walking into a place that it just feels happy and right. Part is aspirational: When people fall in love with a house, they aren’t really falling in love with the walls and the roof; they are falling in love with a beautiful vision of their future lives.

That process of falling in love is confusing and mysterious. When you’re buying a house, you’re making a stressful major financial decision based on a set of emotions you can’t control, don’t fully understand and can’t pin down in any concrete way.

Cupid’s housing arrow has a tendency to strike you unawares. You walk into a place and just start behaving differently. You find yourself talking about where you’re going to put your furniture; you feel defensive when the Realtor mentions some of the place’s flaws; you feel the urge to brag about the house to your friends; you feel comfortable walking into the bedrooms and bathrooms, even on the first tour; you feel bereft at the thought of not having it. You’re just buying an object, but your heart is suddenly on the line.

Choosing a house is also difficult psychologically. The whole process forces you to separate what you think you want from what you really want. Realtors have a phrase, “Buyers lie,” because at the start of the process so many people don’t know what they desire.

You may have dreams of being the sort of person who has a fantastically eclectic house, filled with beautiful and exotic objects and where you can host squads of people for big dinners and parties; and that you can have a house that is a crossroads for diverse populations.

But when you actually survey the homes you are drawn to, you realize that you in fact love your privacy; that you don’t care enough about interior design to spend years searching for the fascinating objets; that in real life the thought of neighbors constantly coming over fills you with exhaustion; that a sense of quiet, tranquillity and privacy is more important to you than the frenetic chaos that comes with running Grand Central Station.

House hunting is cognitively challenging. At some point the inspections, the appraisal and the price negotiation impose cold rigor on this hot process. You don’t know what the seller (that jerk!) is thinking, or how exactly you are getting shafted in the process (though you are!). At some point the head has to check and set boundaries on the heart, employing certain mental tricks to self-distance. For example:

How do you make the major decisions about offers and conditions? Pretend you are advising a friend, not yourself.

How do you know you’ve fairly sampled the market and haven’t missed a better house somewhere out there? At the start, tell yourself you’re going to see 50 homes total. Visit 18 without making an offer on any of them. Then make an offer on the next house that’s better than the first 18.

How do you force yourself to remember in the middle of a negotiation that you’ve got to be willing to walk away? Remind yourself that this is not a narrow-framed binary buy-or-not-buy choice. There are many other housing options out there on the market.

Finally, house hunting is morally difficult. This is where Donald Trump comes in. We’ve become a ferociously fragmented country. People move close to people just like themselves. Every town becomes a cultural ghetto while Americans become strangers to one another and the civic fabric lies in ruins. People feel more comfortable in their insular neighborhoods, but self-segregation is damaging to one’s own open-mindedness and to the country at large. In 2017 it’s probably necessary to put a moral onus on realty decisions, to be seriously bothered by the temptation to talk about diversity but move to homogeneity.

The process of house hunting focuses your attention on the wrong things. It focuses your mind on the features of the house rather than on the features of your life. Think of all the people who fall for some expansive far-off home, without counting the cost of a long commute. They’ve got a happy home but a miserable existence.

It focuses on the features of the house, not on the social relationships that will happen in them, which is all you’ll remember decades hence. Choosing this or that house has only a moderate effect on joyfulness. The neighborhood you choose, and the social fabric you enter, is more important than the structure you adore.


Full credit is given to the NY Times – Staff writer David Brooks for an outstanding article.

Considering a FSBO Property

Considering a FSBO Property?

Interested in buying a home for sale by the owner? The only thing to remember is that the people selling them are just like any other seller — only more so!

What sellers want: To make the most money they can.

For sale by owner (FSBO) sellers figure they can save money by not paying a commission to an agent. Contrary to what many buyers believe, however, this doesn’t mean the FSBO seller wants to pass any of those savings on to you.

This is certainly the case with a seller who, for whatever reason, doesn’t have much equity in the home; he doesn’t feel he can afford to pay the agent’s commission, much less give you a break on the sale price.

In a hot “seller’s market,” when homes are selling at or above the listing price, the FSBO seller has even more incentive to pocket as much of the sale price as possible.

All sellers want every penny of the asking price.

FSBO sellers often set that price by looking at listing prices in the area, not at comparable actual sales prices. As a first-time buyer, you should be armed with good comps when you enter negotiations.

If the housing market is slow in your area, even a FSBO seller should be willing to negotiate. With a set of comps in hand, you should feel comfortable making an offer that might be well below the asking price. Make your case using sold properties – not homes currently listed for sale.

Perform your due diligence.

As a buyer you need to do all the same things you would if the house were being sold through a real estate agent:

  • You still need to know if the asking price is fair (get comps!).
  • You still want to inspect the property yourself and have a professional inspection done.
  • You still need to make an offer and negotiate a contract.

Potential anomalies to keep in mind.

Sellers who are not using a real estate agent may be doing so for reasons that can make for truly difficult dealings. Some sellers are so stubborn and unrealistic about pricing their property that they have passed from one agent to another until no agents will take the listing.

Or the seller may have been told that he needed to bring the home up to code, or to make sufficient repairs to bring it up to an acceptable standard to put on the market. Rather than go to this trouble and expense, the seller may have decided to sell the home himself.

With a FSBO you need to get answers to some additional questions:

  • How long has the home been for sale?
  • Was it listed with an agent or agents before the seller took over and, if so, for how long?
  • Why does the seller believe the house has not sold (especially if he’s been trying to sell the home for a year or longer)? If he’s blaming lazy real estate agents, you may want to look at the house with an eagle eye before making an offer.

FSBO and your agent.

Say you’ve been surfing the FSBO sites online and have found one or two homes that look interesting, or you’ve seen some while driving around your desired neighborhood. Let your agent initiate contact with the seller and get all the usual information about the home. (If not, you can approach the seller yourself, of course.)

A qualified buyer is nothing to sneeze at, so in many cases, the FSBO seller will be willing to work through your agent. The agent would handle all the paperwork and ensure that the closing process moves along smoothly.

This arrangement — a “one person listing” — means the agent will be paid a small commission, or a flat fee (ranging from $500 to $1,500), if the sale goes through to the specific buyer (you) named by the agent. (Check with your agent to be sure this type of listing is allowed in your state.) Flat fees are not unusual in situations where the buyer and seller have found each other independently of an agent, but where one or both parties want a real estate professional to handle some or most of the rest of the transaction.

Usually the agent will negotiate his or her fee with the seller. If the seller refuses to compensate your agent, however, and if you think this is the house for you, you can work out an agreement to pay the agent yourself. As a buyer’s agent, working for you and not the seller, the agent is obliged to do his or her best to get you a good price.

If you find that you would like to explore this option for buying or selling a home and need additional information, please email Kevin or call him at 858-400-7444.