Lili Patch | San Diego Real Estate, Carlsbad Real Estate, Poway Real Estate, Santee Real Estate


There are so many factors that go into buying a home. How much money do you have saved up? What is your debt amount? Hw much money do you make each month? Can you afford the neighborhood that you’d like to live in? All of these questions are swirling around the minds of all first-time homebuyers. Did you know that how long you have been at a job is just as important as your income as a factor in getting approved for a mortgage? 


Your ability to repay is why the lender is looking at so many different numbers and factors about your financial situation. Employment overall plays a large stake in the mortgage application. Lenders will look at your past employment history along with the job that your currently have. They are also concerned with your future employment status. Your lender will get an idea of your overall plan for your career and employment through looking at your history. 


As a first-time homebuyer, you most likely don’t have the employment history of more seasoned homebuyers. Generally, most people who are buying a home for the first time are pretty young in their careers. As a rule of thumb, lenders will look at your employment history over the past two years. The lender wants to see your industry focus. Maybe you have stuck with one career direction, or maybe you have hopped around a bunch. As a hint, jumping around from job to job and field to field doesn’t look very good to mortgage lenders. Job floaters tend to appear as if they have no plans for the future. 


Good Career Moves


Staying a software engineer, but moving from the medical industry to the financial industry is an acceptable and smart move in the eyes of lenders. Yet, leaving your stable job in accounting to pursue a career in acting would not be looked upon favorably in the eyes of a mortgage lender.


It doesn’t matter how much money you have saved up, often, without employment history, a lender may not consider you as a dependable buyer. Your lender wants to see that your income is stable for a period of at least three year’s time.


Income Matters 


You won’t have the same work history as a first time homebuyer as you would if you were a bit more seasoned. When lenders look at your income history, not having a lot of work history can be a detriment to many factors. If your income is an annual salary, for example, your lender will divide that salary by 12 in order to get a monthly income. If you haven’t been at the job for a full year or took a pay cut during times of training, those numbers will be affected.


For hourly employees, overtime may be a problem as it may not be factored in with the equation if there isn’t a history of at least two years on the job. 


While it isn’t impossible to buy a home with a short employment history, it’s advisable to wait until you have some significant time under your belt before you dive into the home buying process.


 

7509 Camino Minero, Carlsbad, CA 92009  

Residential
$1,675,000
Price
4
Bedrooms
4/1
Full/Half Baths
SWEO between $1,595,000 - $1,675,000. Highly desirable neighborhood of Southern Preserve sits along a stunning natural preserve with biking, horse and walking trails. Just 10 minutes from the beach. Home features 4 en-suite bedrooms including a 1st Fl suit, office, & expanded California room with sliding glass wall panels. Gourmet island kitchen, huge pantry, plantation shutters, big bonus room. Upgrades include flooring, counters, cabinets, electrical, sound, landscaping. San Dieguito & Encinitas schools
Open House
Saturday
May 19 at 1:00PM to 4:00PM
Location: 7509 Camino Minero, Carlsbad, CA 92009   


 
 
 
 
What's Happening in San Diego - June 2018
 

  • The Birthstone: Pearl / Flower: Rose
  • The zodiac signs are Gemini (May 21 - June 20) and Cancer (June 21 - July 22)
  • National Rose Month / National Dairy Month / National Ice Tea Month
  • Flag Day (June 14) / Father's Day (June 17)
  • First Month of the Summer Season

 

2018 San Diego County Fair
Get ready for treats that will tempt all of your senses at the 2018 San Diego County Fair presented by Albertsons/Vons.
Date: Jun 1 - Jul 4, 2018
Time: refer to website
Price: refer to website
Location: Del Mar Fairgrounds - 2260 Jimmy Durante Blvd., Del Mar, CA 92014
For info. visit San Diego Fair

 

Balboa Park After Dark
This summer, Balboa Park comes alive after 5. On Fridays from June to Labor Day weekend, enjoy extended evening hours at eight museums, as well as food trucks and entertainment throughout Balboa Park.
Date: Jun 1 - ongoing
Time: 5:00 PM - 8:00 PM
Price: General admission rates apply unless otherwise noted
Location: Balboa Park - House of Hospitality
For info. visit Balboa Park

 

Rock ‘n’ Roll San Diego
Rock out at the annual Rock ‘n’ Roll Marathon! We’re turning 21 in 2018 and it’s going to be one rockin’ party!
Date: Jun 2 - Jun 3, 2018
Time: refer to website
Price: $49.99-$169.99
Location: 6th Avenue & Quince Street, San Diego, CA 92101
For info. visit Rock and Roll SD

 

Art Around Adams
The Adams Avenue District continues to evolve, and so has our event. Come visit the many participating storefront businesses with galleries & stages curated just for the event.
Date: Jun 2, 2018
Time: 12:00 PM - 8:00 PM
Price: Free
Location: Adams Avenue from Hamilton Street in Normal Heights to Biona Drive in Kensington
For info. visit Art Around Adams

 

RB Alive! Street Fair
Come and help us celebrate the Annual RB Alive! in Rancho Bernardo with a full day of entertainment, more than 300 booths, food, a kids zone and more.
Date: Jun 3, 2018
Time: 10:00 AM - 4:00 PM
Price: Free
Location: Bernardo Center Drive between Lomica Drive and Bernardo Plaza Court
For info. visit RB Alive!

 

FilmOut San Diego LGBT Film Festival
FilmOut San Diego’s 20th Annual LGBT Film Festival will take place from June 7-10, 2018. 
Date: Jun 7 - Jun 10, 2018
Time: refer to website
Price: Varies per show
Location: Observatory North Park Theatre - 2891 University Avenue, San Diego, CA 92104
For info. visit FilmOut SD

 

San Diego International Boat Show
The popular summer San Diego International Boat Show® will return to Harbor Island June 7 to June 10 for four days of fun.
Date: Jun 7 - Jun 10, 2018
Time: 10:00 AM - 7:00 PM
Price: Adult - $15, Military with ID - $10, Kids 12 and Younger - Free
Location: Spanish Landing Park, East - 3900 N. Harbor Island Drive, San Diego, CA 92101
For info. visit SD International Boat Show

 

San Diego Greek Festival
St. Spyridon Greek Orthodox Church invites you to join us at our annual Greek Festival. We enjoy sharing our heritage, culture, music, traditions, customs and culinary skills with you, our neighbors and friends in San Diego. 
Date: Jun 8 - Jun 10, 2018
Time: 11:00 AM - 10:00 PM
Price: Free. Saturday-Sunday after 1:00 PM - $3
Location: St. Spyridon Greek Orthodox Church - 3655 Park Boulevard, San Diego, CA 92103
For info. visit SD Greek Festival

 

2018 Marine Corps Mud Run Camp Pendleton
How Hard Corps are you? Get ready to run through the terrain of marine corps base, Camp Pendleton where our U.S. Marines train. 
Date: Jun 9 - Jun 10, 2018
Time: refer to website
Price: Starting at $15
Location: Camp Pendleton
For info. visit Camp Pendleton Mud Run

 

The Toast of the Coast Wine Competition & Festival
The Toast of the Coast will feature the finest wines from around the world. Your ticket will include unlimited 1-oz samples of wines entered in the 2018 Toast of the Coast Wine Competition.
Date: Jun 9, 2018
Time: 12:00 PM - 7:00 PM
Price: refer to website
Location: Del Mar Fairgrounds - 2260 Jimmy Durante Blvd., Del Mar, CA 92014
For info. visit Wine Competition & Festival

 

Annual Taste of La Mesa
Join us as we celebrate the Chamber’s 10th anniversary & the popular communit extravaganza - the Taste of La Mesa.
Date: Jun 11, 2018 
Time: 5:00 PM - 8:00 PM
Price: General Admission - $40; VIP Ticket - $60
Location: La Mesa Community Center - 4975 Memorial Drive, La Mesa, CA 91942
For info. visit Taste of La Mesa

 

Taste of Little Italy
Calling all food lovers, come experience Taste of Little Italy! Walk along Little Italy’s charming flower and tree-lined sidewalks enjoying bites from San Diego’s top eatery hub.
Date: Jun 13, 2018 
Time: 5:00 PM - 9:00 PM
Price: $40
Location: Little Italy
For info. visit Taste of Little Italy

 

Santee Summer Concerts
Join the community of Santee for summer concert series and the weekly food truck rally every Thursday.
Date: Jun 14 - Aug 23, 2018 
Time: 6:30 PM - 8:30 PM
Price: Free
Location: Town Center Community Park East - 550 Park Center Drive, Santee, CA 92071
For info. visit Santee Summer Concerts

 

24th Annual Taste of Gaslamp
Join us for the 24th Annual Taste of Gaslamp presented by Kar Strauss, San Diego’s original culinary tour!
Date: Jun 16, 2018 
Time: 1:00 PM - 4:00 PM
Price: $35-$75
Location: Gaslamp Square (Check-In) - 538 L Street, San Diego, CA 92101
For info. visit Taste of Gaslamp

 

SeaWorld’s Electric Ocean
Surf beyond your expectations as the sea comes alive at night and dive into Electric Ocean, SeaWorld’s fantastic summer nighttime celebration.
Date: Jun 16 - Sep 2, 2018 
Time: 8:00 PM - 10:00 PM
Price: Included with park admission
Location: SeaWorld San Diego - 500 SeaWorld Dr., San Diego, CA 92109
For info. visit SeaWorld's Electric Ocean

 

Father’s Day Concert & BBQ
Join Hotel Del Coronado for our annual Father’s Day Concert & BBQ supporting America’s veterans and military through the Gary Sinise Foundation. 
Date: Jun 17, 2018
Time: refer to website
Price: General: $75, Military: $35, VIP: $500
Location: Hotel del Coronado - 1500 Orange Avenue, Coronado, CA 92118
For info. visit Father's Day BBQ

 

Nighttime Zoo at the San Diego Zoo
Stay after dark and help us celebrate the Zoo’s newest experience, Conrad Prebys Africa Rocks! Come “rock and roar” every day this summer, with live music, a variety of surprise encounters.
Date: Jun 17 - Sep 3, 2018
Time: 9:00 AM - 9:00 PM
Price: Included with admission
Location: San Diego Zoo - 2920 Zoo Dr., San Diego, CA 92101
For info. visit Nighttime Zoo

 

Del Mar Summer Twilight Concerts
Gather by the Powerhouse for the Del Mar Summer Twilight Concerts to socialize, picnic, and enjoy music as the sun sets over the ocean.
Date: Jun 19 - Aug 21, 2018
Time: 6:00 PM - 9:00 PM
Price: Free
Location: Powerhouse Park, Del Mar, CA 92014
For info. visit Del Mar Twilight Concerts

 

Twilight in the Park Summer Concerts
For 37 years, Twilights live music under the stars has been delighting visitors to Balboa Park. The music program ranges from military bands and Dixieland jazz, to big band swing.
Date: Jun 19 - Aug 30, 2018
Time: 6:30 PM - 7:30 PM
Price: Free
Location: Spreckels Organ Pavilion - 1549 El Prado, San Diego, CA 92101
For info. visit Twilight in the Park

 

Taste of Vista
Savor food samples and craft beers, and enjoy live country music all while discovering historic downtown at the annual Taste of Vista.
Date: Jun 20, 2018 
Time: 5:00 PM - 8:00 PM
Price: $20-$40
Location: Downtown Vista - Main Street, Vista, CA 92084
For info. visit Taste of Vista

 

TGIF Concerts in the Park
Carlsbad’s TGIF Concerts in the Parks offers great music, plenty of room to dance, picnicking, free shuttle buses, fun hands-on art activities for the kids.
Date: Jun 22 - Aug 17, 2018 
Time: 6:00 PM - 8:00 PM
Price: Free
Location: Various Parks in Carlsbad
For info. visit TGIF Concerts in the Park

 

Summer Safari at the San Diego Zoo Safari Park
Carlsbad’s TGIF Concerts in the Parks offers great music, plenty of room to dance, picnicking, free shuttle buses, fun hands-on art activities for the kids.
Date: Jun 23 - Aug 12, 2018  
Time: 9:00 AM - 7:00 PM
Price: Included with admission
Location: SD Zoo Safari Park - 15500 San Pasqual Valley Road, Escondido, CA 92027
For info. visit Summer Safari

 

Summe Fun on the 101: Leucadia’s Music Festival
Summer Fun on the 101 is Encinitas’ most epic music festival and is free and open to the whole community! Ride your bike and walk to win excellent prizes!
Date: Jun 23, 2018  
Time: 12:00 PM - 7:30 PM
Price: Free
Location: Leucadia Roadside Park - 860 N Coast Hwy 101, Leucadia, CA 92024
For info. visit Summer Fun Leucadia

 

Taste of Adams Avenue
The 18th annual Taste of Adams is a gastronomic trek featuring 45 restaurants, coffee houses, pubs, wine bars and unique eateries in one of San Diego’s hottest and historic neighborhoods.
Date: Jun 24, 2018  
Time: 11:00 AM - 3:00 PM
Price: In Advance - $35. Day of - $40.
Location: 3441 Adams Avenue, San Diego, CA 92116
For info. visit Taste of Adams Avenue

 

The San Diego Smooth Jazz Festival
The San Diego Smooth Jazz Festival unites music lovers from around the world at the picturesque site of Embarcadero Park North in the San Diego Marina. 
Date: Jun 29 - Jul 1, 2018
Time: 11:00 AM - 10:00 PM
Price: Starting at $65
Location: Embarcadero Marina Park North - 400 Kettner Blvd., San Diego, CA 92101
For info. visit SD Jazs Festival

 

14th Annual Switchfoot BRO-AM
The Annual Switchfoot BRO-AM will feature a surf contest, live music performances, and nerf surf jousting exposition between surf contest heats.
Date: Jun 30, 2018
Time: 7:00 AM - 5:00 PM
Price: Free
Location: Moonlight Beach - 252 5th Street, Encinitas, CA 92024
For info. visit Switchfoot BRO-AM


The home selling journey is an exciting time, and for good reason. Ultimately, the home selling journey represents a period of endless possibilities. And for those who start planning ahead for the home selling journey today, they may be able to enjoy immense profits down the line.

What does it take to reap the benefits of a profitable home selling journey? Here are three tips to help you do just that.

1. Understand the Real Estate Market

The housing market may seem like a moving target at times. However, home sellers who analyze the real estate sector closely can identify patterns and trends and plan accordingly.

Home sellers can look at the prices of recently sold houses in their cities and towns to better understand the current state of the housing market. Then, these home sellers may be able to differentiate between a seller's market and a buyer's market.

Also, home sellers can assess the prices of available homes that appear similar to their own. This housing market data enables a home seller to understand how his or her residence stacks up against the competition.

2. Assess Your Home Both Inside and Out

It never hurts to upgrade your residence, especially if you want to optimize your house's value. Fortunately, a home appraisal makes it simple to assess your house's interior and exterior so you can determine a competitive price for your residence.

A home appraisal requires a property inspector to look at a house's interior and exterior. Following the appraisal, a property inspector will provide a home seller with a report that details the condition of a house.

For home sellers, it is important to review all of a property inspector's findings. This will enable home sellers to identify opportunities to enhance their residences and prioritize various home improvement projects.

3. Collaborate with a Real Estate Agent

When it comes to enjoying a profitable home selling journey, it pays to go above and beyond the call of duty. With a real estate agent at your side, you can take the guesswork out of selling your home and move closer to getting the best price for your residence.

A real estate agent is committed to client satisfaction, and as such, will go the extra mile to promote your residence to the right groups of homebuyers. That way, you can boost your chances of receiving multiple offers on your home as soon as it hits the market.

Plus, a real estate agent will set up home showings and open houses and negotiate with homebuyers on your behalf. He or she will even provide expert home selling recommendations at each stage of the home selling journey. As a result, a real estate agent will help you streamline the process of selling your house and maximizing your residence's value.

Don't miss out on an opportunity to enjoy a profitable home selling journey. Instead, use these tips, and you can improve your chances of selling your home at a price that matches or exceeds your expectations.


 

7509 Camino Minero, Carlsbad, CA 92009  

Residential
$1,595,000
Price
4
Bedrooms
5/1
Full/Half Baths
Offered at 1,595,000-1,675,000 Highly desirable neighborhood of Southern Preserve sits along a beautiful natural preserve offering biking, horse and walking trails. Yet just 10 minutes from the beach. New home features 4 en-suite bedrooms including a 1st Fl suit big bonus room, office, & expanded California room with sliding glass wall panels. Gourmet island kitchen, huge pantry, plantation shutters. Upgrades include flooring, counters, cabinets, electrical, sound, landscaping. Come live where you play.