Chris Shourds

Come experience the lifestyle of the beautiful Beach Colony subdivision in Del Mar, California.

As a San Diego native, born and raised, I have watched Del Mar change and grow over the years. However, the Del Mar Beach Colony has managed to retain it's small town feel, and beach community atmosphere.

The Del Mar Beach Colony is nestled between Solana Beach to the North, La Jolla and Torrey Pines to the South, and the famous Del Mar Racetrack and Fairgrounds to the East. One of the favorite attractions for both locals and vacationers is "Dog Beach". A beautiful sandy stretch located due West of the Del Mar racetrack, the name Dog Beach says it all. Both dogs and owners can frolic in the sand and the surf, while watching surfers, sunsets as the locals organize beach volleyball pick-up games.

A short walk South from the Del Mar Beach Colony will lead you to the Old Village of Del Mar. Here you will find fine Dining and unique botique shopping experiences. A few of my personal favorite restaurants are Pacifica Del Mar and Epazote Oceanview Steak House.

As summertime approaches, let's not forget about a few of Del Mar's most famous attractions. The San Diego County Fair begins June 14th and the Del Mar Horse Racing Season runs from July 16th to September 3rd. In addition, let's not forget that the U.S. Open Golf Championship is located at nearby Torrey Pines Golf Course and runs from June 9th to June 15th.

Feel free to call or email me for more information on the Del Mar Beach Colony. My firm currently represents buyers, sellers and offers a complete line of refinance and purchase loans in Del Mar, California. With access to the hottest new listings and complete internet and MLS Exposure for all listings, we make the process incredibly easy for both local residents and out of town owners or future buyers.

I would also be happy to help you find a seasonal or vacation rental if you are planning to visit during the summer or the horse race season!

I look forward to seeing you in DEL MAR!

Chris Shourds, Realtor (760) 845-7389 phone chris@gowestview.com

www.gowestview.com www.westviewfunding.com www.calaverahills.com

Welcome to the Mystic Point Complex in Calavera Hills Carlsbad.

Mystic Point was built between 2005 and 2006 and consists of very upscale townhomes, many of which feel like they are detached when you are inside them.

Attached Garage, 2 story units, air conditioning in most units and a beautiful community pool area are just a few of the many desirable features found in Mystic Point at Calavera Hills.

Don't forget the easy access to the 5 and 78 freeways and the Calavera Hills Community Park.

As of March 1, 2008 there are 10 units for sale in Mystic Point in Calavera Hills Carlsbad. Prices currently range from $395,000 to $549,000.

Call or email me for more information regarding Mystic Point and other communities in Calavera Hills Carlsbad. I would be happy to send you up to date information about buying or selling in Calavera Hills Carlsbad.

Chris Shourds, Realtor (760) 845-7389 phone chris@gowestview.com

Visit my company websites: www.CalaveraHomes.com www.gowestview.com www.WestViewFunding.com

Now is a great time to buy in Calavera Hills Carlsbad. There are currently 7 condos listed for sale for less than $300,000 in the 92010 Zip code of Carlsbad, California:

Let's focus on one of my favorite condo complexes in Calavera Hills, Carlsbad. The Villas in Calavera Hills is a well kept, quiet and peaceful condo complex in Calavera Hills and just a short walk to Hope Elementary School. Built between 1985 and 1987, one of my favorite aspects of The Villas condo complex are the mature trees that cast shade and shadows throughout the complex. At night, you could hear a pin drop in this peaceful environment! There are currently 2 condos listed for under $300,000 in The Villas!

Feel Free to Contact me for more information about buying or selling in Calavera Hills Carlsbad!

Chris Shourds, Realtor (760) 845-7389 phone chris@gowestview.com www.CalaveraHomes.com

Believe it or not, Carlsbad homeowners ask me almost daily if there is any chance of getting a purchase loan or being able to refinance in today's real estate market!

I typically answer this question by asking a few basic questions back. One of the most important questions is, "How much is your average monthly income and waht are your average monthly expenses?"

The reality of today's mortgage market is that qualification standards have not changed very much for honest borrowers who have good credit, some equity in their house, and the ability to document their income and assets.

In fact, I have helped several recent borrowers obtain recent loan approvals where all that underwriting asks for is a credit report, appraisal and verbal verification of employment.

Here is a good rule of thumb if you are applying for a purchase or refinance loan in Carlsbad, or in the entire state of California for that matter:

In order to qualify for the best possible interest rate, most lenders will take your average Gross Monthly income for the last two years. they will then look at your total monthly debt. This debt will include your housing payment, property taxes, homeowners insurance, HOA fees if applicable, minimum monthly credit card payments, and any other monthly expenses on your credit report such as auto or student loans.

The next step your lender will take is to divide your total monthly debt by your gross monthly income. This will give you a percentage know as your debt to income ratio. An ideal situation is when the borrower's debt to income ratio is 45% or better...meaning that at minimum, they make slightly more than double what they pay in expenses!

Don't panic if your debt to income ratio is balancing on the fence, a good loan officer will be able to analyze your situation to provide pointers and suggestions about different loan programs that may work for you.

Feel free to contact me anytime and I will give you more specifics on how to plan for your next refinance or purchase loan in Carlsbad California.

Welcome to my home town of Carlsbad, California. Being that I was born and raised in North San Diego County, I have seen Carlsbad change, grow and mature over the years. But never as much in such a short amount of time as in the last five years.

As Carlsbad has continued to grow, one aspect of this coastal community has stayed constant. Carlsbad Real Estate still has a small town feel where most residents know their neighbors, their kids teachers and figures in their local community.

The inevitable thing about growth is that it is always accompanied by growing pains. In the Carlsbad real estate market, these growing pains are ever present with homeowners who bought at the peak of the market. the purpose if this blog entry is to let those homeowners know that they shouldn't panic just yet.

I am currently offering free consolutations to homeowners who believe they are upsidedown on their Carlsbad Real Estate values. Short sales (where your lender may forgive some of the debt you owe and allow you to sell your property) are becoming more common everyday.

The moral of this story is that you should never give up, even if you are upsidedown on your home's value. At WestView Real Estate and Mortgage, Inc., we are here to help. Fell free to contact me anytime for a free evaluation.