Bakersfield, CA

California retirees in search of a luxury 55+ community offering attractively priced homes will want to visit Solera at Kern Canyon in Bakersfield, California. With homes from the mid $100’s, this gated active adult community is the perfect California retirement destination for the budget conscious home buyer wanting the best of both worlds. Here residents enjoy the famous Del Webb lifestyle and world-class amenities at prices nearly anyone can afford.

Located in Bakersfield, California, Solera Kern Canyon is ideally situated within close proximity to everyday conveniences, shopping, dining, health care, outdoor recreation, sports venues, parks and more. Bakersfield itself offers 72 city parks and miles of trails for hiking or bike riding. Also nearby is the scenic Lake Kern offering fishing, equestrian trails, picnic areas and more. The Rio Bravo Country Club is right next door where residents can take advantage of discounted membership options.

The homes at this budget friendly California active adult community are reasonable priced from the mid $100’s to the mid $200’s. Plans call for a total of just 558 homes upon completion, all of which feature convenient one-level living. Today home buyers can choose from new construction or resale homes in eight unique floor plans. Sizes range from just under 1,100 to nearly 2,400 square feet.

Amenities at this intimate sized community are centered around the 8,000 square foot Grove Clubhouse. This gorgeous amenity center features beautiful architecture and high-end décor throughout. There is a fully equipped fitness center with an aerobics studio offering classes including traditional exercise programs, yoga and pilates. There are rooms for arts, crafts, hobbies and games, billiard tables, a sharing library, computer niches and relaxing social spaces. A grand ballroom is the perfect spot for large community parties, dances, holiday celebrations and more. The amenities continue outdoors with a heated swimming pool and spa, tennis and bocce ball courts, a putting green, community parks and walking trails.

Residents enjoy the famous Del Webb lifestyle facilitated by the full-time activities director. The social calendar is full with exciting events, day trips, classes, activities and more. There are numerous special interest clubs to discover highlighting hobbies such as gardening, golf, reading, quilting, Wii bowling, yoga, scrapbooking, volunteering and more. It’s easy to meet new people and make new friends in this welcoming 55+ community.

For more information and photos of this and other CA active adult retirement communities please visit 55Places.com. To stay in touch with us please join our Facebook page by clicking the Facebook link below.

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My market has seen some drastic changes in the last Few months, Our inventory has drastically deacresed while our demand has increased, this has some buyers confused since they Watch and listen to the news and hear that there is millions of homes been foreclosed and that market is flooded by homes for sale, not here, and I'm just talking about the Central Valley in California and specifically in the Kern county area. My study which was done from September 2010 to September 2011 and was done for the entire City Of Bakersfield with properties priced from $50,000 to $150,000 and reveals that Demand has increased 6% and Inventory has decreased 42%, this has created certain frustration with buyers and Some Real Estate Professionals but this is due to lack of Understanging of what's happening in the market. if you know your market and have the ability to communicate with your buyers they will make better offers and will know that is not you but the Market that is making it difficult to get offers accepted

Bakersfield, California, is known for its sunny weather, Basque restaurants and The Bakersfield Sound. There are outdoor recreations including golf courses and fly-fishing, live performance venues, music clubs, and much more. There are even several active adult communities for visitors who decide to call Bakersfield home.

Centered between Fresno and Los Angeles, Bakersfield is one of the country’s sunniest cities. The region has an arid climate with hot, dry summers and cool winters. There is little rain from May to September, though rain does regularly fall through the winter and early spring.

Mild temperatures during the autumn, winter and spring let outdoor enthusiasts take advantage of the region’s various attractions. A short drive, brings active adults to the Southern Sierra Nevada Mountains, where they can enjoy hiking, fly-fishing, whitewater rafting and other outdoor recreations.

Many regional attractions let visitors and residents explore the area’s rich history. Within close proximity of Bakersfield, active adults will find a wide range of regional museums, nature preserves and recreation centers. A few to try include the West Kern Oil Museum, the Sequoia National Forest, Silver City Ghost Town, and the Tule Elk State Nature Reserve.

Attractions within the Bakersfield area include a variety of entertainment options. There are public golf courses, shopping centers, live performance venues, raceways and much more. There are many annual festivals held both in Bakersfield and in the surrounding area. Some of the most well-known include the Bakersfield Jazz Festival in May, Village Fest in September and the Via Arte Italian Street Painting Festival in October.

Country music lovers will certainly enjoy visiting the city which launched the genre now known as The Bakersfield Sound. This crisp mix of guitar, fiddle, drums and steel guitar took shape in the 1950’s and 1960’s with well-known artists like Buck Owen and Merle Haggard. Today, Bakersfield visitors and locals alike enjoy the food and live music at Buck Owens’ Crystal Palace.

When it comes to dining, Bakersfield is home to the country’s largest collection of Basque restaurants. These popular eateries feature the cuisine of Basque County, a region in the South of France and Northern Spain. These memorable meals are served family-style at long trestle tables, to reflect the Basque culture.

Some of Bakersfield’s most famous Basque restaurants include Wool Growers Restaurant and Cocktail Lounge, Benji’s French Basque Restaurant, and Sandrini’s Basque and Italian Restaurant. Any first visit to Bakersfield should include a reservation at a Basque restaurant to experience this distinctive cuisine firsthand.

Active adults who choose to settle in Bakersfield will find several desirable age-restricted communities. Solera at Kern Canyon and Four Seasons at Bakersfield each offer affordable homes and amenities which support an active adult lifestyle. The Greens at Seven Oaks provides true country club living, including a 27-hole championship golf course, two clubhouses, two restaurants and a variety of social and recreational activities.

Whether planning a vacation in Bakersfield or considering the city as a retirement destination, active adults will have no trouble finding things to do in this vibrant California city.

This article originally appeared on 55Places.com. For more articles like this or for information about hundreds of 55+ active adult retirement communities across the country, please visit 55Places.com.

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What is Title Insurance?
Title insurance is insurance that protects the insured from loss as a result of title defects or that the title to real property is not valid.

Two kinds of Title Insurance
There are two types of title insurance – a Lender’s Title Policy and an Owner’s Title Policy. To protect their interest in your property, mortgage lenders require buyers to purchase a lender’s title policy, but a lender’s policy does not protect your interest as a homeowner.

Your protection comes from an owner’s title policy, purchased at closing and lasting as long as you or your heirs have an interest in the property. Having an owner’s policy will pay for all court costs and related fees associated with any covered title risk. If a claim is found to be valid, your actual loss – up to the face amount of the policy – is covered.

How Much does Title Insurance Cost?
Title insurance rates are based upon filed rates with the state. The one-time investment is directly related to the value of your home; the lender’s policy is based on the loan amount and the owner’s policy is based on the home’s purchase price.

Important Reasons to Purchase an Owner’s Policy
Purchasing an owner’s policy protects you from hidden risks which may not be disclosed by even the most thorough search of public records, including:

• Someone else owns an interest in your title
• A document is not properly signed, sealed, acknowledged, or delivered
• Forgery, fraud, duress, incompetency, incapacity or impersonation
• Defective recording of any document
• No legal right of access to and from the land
• Restrictive covenants limiting your use of the land
• A lien on your title because of a prior unsatisfied mortgage.
• A lien on your title due to a charge by a homeowner’s association
• A lien on your title, arising now or later, for labor and/or material furnished before the recording date – unless you agreed to pay for the labor or material
• Others having rights arising out of leases, contracts or options
• Someone else has an easement on your land
• Other defects, liens, or encumbrances

There is absolutely nothing wrong with going to a direct lender for a home loan. The only problem is, many people move for the wrong reasons. Most people would be better off going to a mortgage broker, but they are under the mistaken impression that this will cost them money. The fact is, that unless the mortgage broker is dishonest in some way, then going to a mortgage broker should not cost a borrower any more than it would cost to go to a direct lender and ideally, it can save them a lot of money.

Many people are confused about the way mortgage brokers get paid. This is why they think that a mortgage broker will charge them more money than a direct lender. They think they will have to pay a fee to the mortgage broker for his or her services, but they will not have to pay a fee to the direct lender.

This is an erroneous assumption. Most mortgage brokers don’t even charge a fee to borrower(s) because they are paid by the lender. Mortgage brokers generally charge the same fees, or even lower fees than the direct lenders in order to be competitive. They’re able to do this, because most direct lenders have two rate schedules, a retail rate sheet for borrowers and a wholesale rate sheet for mortgage brokers, offering the same loans at an average of 1 percent less than the price on the retail rate sheet. This way, mortgage brokers can add their fee to the wholesale rate and still be competitive with the retail rate that the direct lender offers to the public.

Why do direct lenders do this? Why do they offer lower rates to mortgage brokers, when those mortgage brokers are their competition? The answer is very simple. Mortgage brokers do a lot of paperwork and preliminary screening that the direct lenders would otherwise have to do themselves. If mortgage brokers did not exist, than direct lenders would have to hire many more in-house loan officers. These loan officers have to be paid, either on salary, or commission.

Without mortgage brokers, the in-house loan officers would have to sort through a lot of useless, unsuitable applications. The way the system works now, mortgage brokers do this for the direct lenders. Mortgage brokers deal with many different lenders and they only send applications to lenders they consider suitable. This save the lenders time and money. It cuts down on the number of in-house loan officers may need to hire.

The system works for borrowers because mortgage brokers can often help borrowers find the right lender with the right loan for their particular situation, the one with the best interest rate and terms for them.

Contact mortgage broker, Aaron Ginn if you have any further questions.