Alan Shafran Real Estate Blog


What is Down Payment Protection?

Down Payment Protection protects up to the full amount of the homebuyer's initial down payment, in the even of a loss.

Th Your investment in your home will most likely be the largest investment you will ever make, so any measures to reduce the risk deserve careful attention. This means that a major decline in your home value could wipe out your owners equity leaving you with more to owe than you home is worth. However, homebuyers are now able to buy insurance to protect their down payments in the event they sell their home at a loss.

Much like title insurance protects the lender, this product promises to reimburse homebuyers for their fully downpayment should they want to sell their new home for any reason

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#1 - Not Being Realistic About Your Home's Value - Find Out Your Home Value Here

What you think your home is worth and the price you can actually sell it for are often two very different numbers. Even in markets where the inventory is tight, sellers need to be careful not to get too greedy when picking a listing price. Properties that are overpriced at the outset tend to eventually sell at a lower price than they would have if they'd been appropriately price in the first place. Choose a reasonable price, based on factors like how much comparable properties and be sure to get a professional opinion from The Alan Shafran Group.


#2 - Refusing to Tidy Up Before Listing

Clutter eats equity and kills deals. Create a sense of

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8 Common Mistakes to Avoid to Ensure Your Home Purchase is a Positive Experience


#1 - Not Being Completely Clear About Your Financing

The most common mistake occurs before you even begin the home search. It is a BIG mistake not to be pre-qualified by your bank or a mortgage specialist. This will help you define the price range you can afford.

Some buyers feel that they are very aware of their financial situation. However, a qualified mortgage specialist will gather your information in complete confidence and put that information into perspective for you. Many times your mortgage specialist will find hidden opportunities that you may not be aware of.

Even more importantly is to be sure that your mortgage specialist and your agent work

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Are You Prepared for Your Summer Home Sale?

1. Get your real price

Find out how much you should list your home for by using our FREE home evaluation tool

Take a look at comparable sales and market conditions which will  help you determine how much you can expect to sell for in today’s market.

2. Clean & declutter

 Make your move easier by beginning the packing process now:

  • Clear out all clutter and remove items you don’t regularly use.
  • Donate items that haven’t been used in the past 12 months.
  • Throw away items that are broken or damaged.
  • Shred and dispose of paperwork that is no longer needed.
  • Consider a temporary storage facility for bulky pieces of furniture, holiday decor, out of season clothing and any other items
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8 Tax Breaks for Homeowners!

Maximize homeownership write-offs on your tax return

#1 - Mortgage Interest

You can deduct all of the mortgage interest (not principal) payments you make on your home, up to a $1-million loan for a couple filing jointly. This applies to your home equity line of credit (on a loan up $100,000) and second mortgage as well.

If you own a second home, you can deduct the mortgage interest for it as well, so long as you reside there for the longer of 14 days per year or 10 percent of the time that it is rented out.

#2 - Mortgage Points and Insurance

In addition to the mortgage interest, you can also deduct the points you pay on your mortgage for your main home in the year you pay them, as well as points paid

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According to a study done by, San Diego County has jumped 5 spots to make the Top 10 of the website's hotness index. This is the highest San Diego has ranked since the study launched 3 years ago!

The hottest markets are decided by looking at the days on market (how long listings stay online). The median online listing time for a home in San Diego County in May was 33 days on market!

A lack of home sales combined with job growth and low interest rates have pushed prices up to 6.4 percent in the last 12 months in San Diego County. According to Home Dex the median sales price in May was $650,000 and is on the rise!

Overall, California dominated the top 20 hottest markets

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