Buying a vacation home on Lake Nacimiento may be at the top of your list for the new year as you’ve come to discover this area is a fantastic getaway destination.  Whether you’ve visited Lake Nacimiento in the past or have only heard about the wide variety of perks of vacationing here; thinking through buying a second home can be an exciting time!

As a Lake Nacimiento Real Estate agent, I can attest that there are many beautiful homes on the Lake Nacimiento Real Estate market that will serve as ideal vacation homes.  From lakefront homes to those tucked away on private lots, you’re sure to find one that fits your style, budget and needs.

Since buying a vacation home is a large financial decision, I wanted to provide you with five tips to consider as you enter the Lake Nacimiento home buying process.

1. Don’t Rush- When shopping for a Lake Nacimiento home, take your time. Rushing through the vacation home buying process could have you doubting your decision down the road.  It can be easy to make a quick decision, especially if you’re just visiting for the weekend. Take the time to discover the pros and cons of each Oak Shores or Heritage Ranch home you visit.  The great thing about a vacation home is that you can have the luxury to really think through your purchase.

2. Keep the Market in Mind-  Home prices across the nation are some of the lowest that we’ve seen in a long time, so you’re bound to find a great deal.  Consequently, we are dealing in a buyer’s market so competition can be more fierce.  While you don’t want to rush your decision; it’s important to understand that a great Lake Nacimiento home can be a favorite for many potential buyers, so you don’t want to wait too long before deciding on a home.

3. Think Through Pertinent Questions: It’s important to ask yourself the important questions when buying a vacation home.  Ask yourself:

. How often will you visit and how much time will you spend there?

. Is it worth the money?

. What will the price appreciation be, realistically?

. How much will you have to pay every year for landscaping, association dues, garbage collection and taxes?

These questions can help determine which Oak Shores or Heritage Ranch home is right for you!

4. Know Your Mortgage Options- While the loan standards and rates are nearly the same for first and second homes, there can be unexpected changes if the lender considers your purchase an investment property.  Your interest rate could be pushed up 1.5 to 2 percentage points, so be aware and plan accordingly.  Oftentimes buyers will use the equity on their first home to make a down payment for their second home.  You’ll want to think through the best option for you, or talk with your Lake Nacimiento Real Estate agent about any other options.

5. Know the Difference of Lake Living- Make sure you can get the insurance you need, particularly if you want to buy a lake front home on Lake Nacimiento.  Lake living is great, but there are a few additional things to consider that you wouldn’t need to think about when living inland.

I hope that reviewing these tips will help you as you begin the process of searching for your ideal Lake Nacimeinto vacation home.  If you haven’t started the process yet and are looking for a Lake Nacimiento Real Estate agent to walk with you through the home buying experience; please let me know!

My years of experience with the Lake Nacimiento Real Estate market will ensure that you find what you’re looking for in an efficient and stress free manner.  Feel free to contact me today to get started!

Grace Borzini
Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
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Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

Please let us know how we can help!

1648 Johnson Drive, Soledad

Approx. 1,454 Sq. Ft.
4 Bedrooms, 2 Bathrooms
List Price: $151,500
MLS#: 182995
REIL MLS#: 81201908

Welcome to this traditional one story home set on a huge lot! Inside, you will be pleased to have a cozy living room to relax in that boasts a wood burning fireplace.  When you want to prepare meals, you will have the kitchen including a charming breakfast bar, a pantry and an ample amount of counter space for all of the cooking.  Enjoy your meals in the eating area that leads to the back yard through sliding glass doors. After a long day, your master bedroom suite enhanced with a vaulted ceilings and an attached bathroom create the ideal spot to unwind and feel completely comfortable. Having three open and bright additional bedrooms allows for everyone to have their own retreat. To host all of your entertaining the covered patio will be sure to come in handy! The back yard is also equipped with plenty of open space for outdoor activities and a sizable garden area. For an audio tour, please call 800-479-6350 x16481. For an audio tour in Spanish, please call 800-479-6350 x16482.

Click Here for More Information and Photos!

Grace Borzini
Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
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Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

Please let us know how we can help!

You’ve heard many great things about life on Lake Nacimiento from friends, family or searching online for vacation spots in Central California, but you haven’t had a chance to visit. Now you can without ever leaving your home! Our Lake Nacimiento web cam allows you to take in views of this beautiful lake and get a glimpse of what make this area such a great place to vacation or even settle in long term!

If you already are a resident of Lake Nacimiento, this is a great tool for you as well. You can determine whether the lake is calm, if there are a lot of people out enjoying boating and skiing, and if you want to venture out for a day on Lake Nacimiento!

Our webcams refresh the image every three seconds; so you’ll always have an up to date view of Lake Nacimiento!

Interested in the Lake Nacimiento water levels? We’ve teamed up with the Monterey County water resources to provide you with access to the lake levels report! View the Lake Nacimiento lake levels report.

As a Lake Nacimineto Real Estate agent, my goal is to provide you with as much information about life in the gatedOak Shores or Heritage Ranch communities on Lake Nacimiento. If you have questions regarding Lake Nacimiento, or are interested in buying a home in Oak Shores or Heritage Ranch; please let me know!

I would be happy to take you on a tour around the lake and show you the homes that are currently available on Lake Nacimiento. With a wide variety of styles, lake views and price ranges; you’re sure to find a home to fit your needs and lifestyle. Whether you’re looking for a permanent residence or just want to spend your vacations relaxing onLake Nacimiento; you’ll be glad you chose the Oak Shores or Heritage Ranch community! I look forward to hearing from you!

Grace Borzini
Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
Visit My Website
Email Me

Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

Please let us know how we can help!

28650 Robinson Canyon, Carmel

Approx. 1,419 Sq. Ft.
2 Bedrooms, 2 Bathrooms
List Price: $151,500
MLS#: 182994
REIL MLS#: 81201587

If privacy is what you are looking for, this cozy cabin located on a beautiful, tree studded 1.79 acre lot in scenic Robinson Canyon just might be perfect. With gorgeous wooded surroundings, a little TLC would make this gem shine.  Schedule a showing and come see all of the potential this Carmel Valley home has to offer!

Grace Borzini
Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
Visit My Website
Email Me

Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

Please let us know how we can help!

Earlier this week, I talked about the option of refinancing your underwater home through the government’s Home Affordable Refinance Program (HARP), which has given relief to many homeowners.  As a Lake Nacimiento Real Estate agent, I know that there are those in the Oak Shores and Heritage Ranch communities on Lake Nacimiento who find themselves owing more on their home than it’s current market value.  But there is hope!

Getting my Certified Distressed Property Expert designation has made me even more aware of what it takes to successfully get out from under the weight of a distressed property, and I’ve been able to help many clients do so!  If you are considering refinancing your Oak Shores or Heritage Ranch home due to financial strain or to lock in currently low interest rates, there are a few things you’ll want to be aware of before you begin the refinancing process.  Here are five common mistakes you’ll want to avoid when refinancing your Lake Nacimiento home.

1. Over-estimating the value of the home- Although home prices have fallen over the past few years, homeowners still put high value on their homes.  As a result, they receive higher-than-expected loan offers. Your Lake Nacimiento Real Estate agent will be able to show you what comparable homes in your neighborhood are currently selling for so you can get a better idea of what your home is worth.

2. Hesitating to lock in low rates- Waiting for rates to drop even lower can be the biggest mistake as there’s no promise that rates will remain low.  Take the opportunity now to lock in these historically low rates before it’s too late.

3. Focusing only on interest rates- While interest rates are important, those aren’t the only factors to consider when refinancing your Oak Shores or Heritage Ranch home.  Lender fees, loan terms and even lender reputations will play a role in refinancing.  Using online tools, such as Mortgage Professor to run all the numbers can be useful to determine if financing is even the right choice for you.

4. Overlooking shorter-term loans-  Although the 30-year mortgage loan is the most popular, remember that there are 20 or 15-year mortgages that may be a better option.  These shorter loans can save significant amounts of money since you’ll be reducing the amount of paid interest over time.

5. Not knowing what documents are required to refinance- It’s important to know which documents are needed before you begin to refinance.  For those of you who haven’t taken out a mortgage or refinanced lately, you may be surprised to find there’s more documentation needed than in the past.  Pay stubs, two months of banking and other financial statements, two years of W-2’s are just some of the documents required to refinance.

Being fully prepared to refinance is important!  If you have questions about refinancing your home or are interested in jumping into Lake Nacimiento Real Estate market; please let me know!

I hope to hear from you soon!

Grace Borzini
Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
Visit My Website
Email Me

Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

Please let us know how we can help!

California saw a modest increase in Foreclosure Sales despite lender announcements of holiday moratoriums. Also surprising was a drop in the time to foreclose, since foreclosures typically get extended over the holidays.

An event of particular note this month was an unexpected spike in the Cancellations of Foreclosure in California, with an increase of 45.8 percent from the prior month. Almost the entire increase occurred in Los Angeles County where over 5,000 sales were cancelled. This looks to have been caused by a city ordinance eliminating the trustee sale location in Norwalk. We expect many of the cancelled sale dates to be reissued at a new location within the county soon.

Source: ForeclosureRadar.com

Grace Borzini
Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
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Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

Please let us know how we can help!

As a Lake Nacimiento Real Estate agent, I deal with a variety of circumstances with buyers and sellers.  I enjoy tackling each situation and helping buyers or sellers achieve their Lake Nacimiento Real Estate goals.

Over the past few years, as the real estate market took a downward turn on the national level, I began seeing sellers who were finding themselves in an underwater home (meaning they owed more on their home than the home was worth).  Given this rising need for help with distressed properties, I pursued getting my Certified Distressed Property Expert designation.  My passion is to help homeowners in Heritage Ranch and Oak Shores avoid foreclosure and I’m happy to say I’ve been able to help homeowners find other options!

Many who found themselves in an underwater home situation sought relief in refinancing their home.  In October of this past year, the government’s Home Affordable Refinance Program (HARP) decidedly loosened their restrictions in order for more homeowners to find help.  In the past, owners whose mortgage exceeded 125% of the home’s value were ineligible for the program, but that restriction has been eliminated.

A few of the additional changes include:

- Elimination of certain risk-based fees for borrowers who refinance into shorter-term mortgages

- Elimination of the need for a new property appraisal when there is a reliable automated valuation model estimate by Fannie Mae or Freddie Mac

- Extension of the program until December 31, 2013 (from June 30, 2012)

Refinancing your home can be a great first step to help lower your monthly mortgage payments.  If you’re interested in HARP, you’ll want to know that in order to qualify your loan does need to be through Fannie Mae or Freddie Mac and you must be current on your mortgage payments.  You can learn more about this program on the Federal Housing Finance Agency’s fact sheet.  http://www.fhfa.gov/webfiles/22721/HARP_release_102411_Final.pdf

If you’ve attempted to refinance and haven’t found relief for your underwater home or don’t qualify for HARP; I would love the opportunity to talk with you!  I know it can be a daunting time and you probably have a lot of questions.  My experience in dealing with distressed properties can help!

Please feel free to contact me anytime!

Grace Borzini
Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
Visit My Website
Email Me

Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

Please let us know how we can help!

Grace Borzini
Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
Visit My Website
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Many of us have created a list of goals to accomplish for this new year and, while goals are great to have, it’s important you have a plan in place to achieve them.  If buying or selling a home on Lake Nacimiento is top on your list, you’re probably already aware that this large undertaking will require working with a seasoned professional.

As a Lake Nacimiento Real Estate agent, I have worked with buyers and sellers who’ve attempted to navigate the Lake Nacimiento Real Estate market on their own.  They then find themselves reaching a point of being either completely overwhelmed or frustrated, and will seek out an agent to help them fix the situation.  My advice is to hire a trusted Lake Nacimiento Real Estate agent from the very beginning, and you’ll find the entire home buying or selling process to be a seamless and stress free experience!

Here are ten of the key reasons you’ll want a Lake Nacimiento Real Estate agent on your side as you embark on buying or selling a home in 2012.

1. Education and Experience- Their years of training and experience in the Lake Nacimiento Real Estate market will be a great asset to you!  You don’t have to put pressure on yourself to learn about the market or how to negotiate a deal since a real estate agent will be fully trained and know the ins and outs of the Lake Nacimiento Real Estate market.

2. Agents are Buffers- You won’t have to deal with multiple phone calls from buyers or other agents.  Buying or selling a home can get personal and your Lake Nacimiento Real Estate agent can act as your personal shield against pushy buyers or bad deals.

3. Area Knowledge- If you’re buying a Heritage Ranch or Oak Shores home on Lake Nacimiento as a vacation getaway, your Lake Nacimiento Real Estate agent will know what homes are available and can give you great insight into the area!

4. Price Guidance- Your Lake Nacimiento Real Estate agent can guide you in what you want to offer on a home and help you come up with a price that works within your budget.  They can also give you advice on pricing your home correctly from the beginning.

5. Market Condition Information- You’ll get an inside look into the Lake Nacimiento Real Estate market such as what homes are currently selling for on the market or when a home is a good deal.

6. Professional Networking- Your Lake Nacimiento Real Estate agent may already have a connection to an interested buyer for your luxury home or condo!  They will also have contact with other Lake Nacimiento Real Estate agents and brokers and can get the word out about your home being on the market.

7. Negotiation Skills- Negotiating a contract can be tricky and your Lake Nacimiento Real Estate agent will be able to navigate through this process to ensure you are happy with the deal.

8. Handling Volumes of Paperwork- There’s a lot of paperwork that goes into buying or selling a home.  Your real estate agent will be able to take care of this for you and make sure every “i” is dotted and every “t” is crossed!

9. Answer Questions after Closing- Sometimes there can be issues that arise during the closing or taxing authorities can get behind in their paperwork and call you months after closing.  A good real estate agent will stick by you even after you close a deal to take care of any after effects.

10. Develop Relationships for Future Business- Finding a trusted Lake Nacimiento Real Estate agent can be tough, but once you find one; you’ll want to develop a great relationship with them!  Whether you are looking to buy or sell again in the future, you know that they’ll be your first choice so building that relationship is key!

There are a number of details that go into buying or selling a home, and it’s a process you won’t want to go through alone!  If you need to sell your Oak Shores or Heritage Ranch home this year, or are searching for your dream home on Lake Nacimiento; let me know!  My years of experience with the Lake Nacimiento Real Estate market will ensure that you succeed in your real estate goals for 2012.

I look forward to hearing from you!

Grace Borzini
Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
Visit My Website
Email Me

Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

Please let us know how we can help!

FOR IMMEDIATE RELEASE
Contact Person: Grace Borzini
Company Name: Oak Shores Realty
Voice Phone Number: 805-472-9030
FAX Number: 805-472-2907
Email Address: Grace@OakShoresRealty.com
Website: http://www.oakshoresrealty.com

Oak Shores Realty Hits 1,000 Facebook Fans and Counting!

Oak Shores Realty, located in Lake Nacimiento, CA, continues to prove themselves as a leading force in the real estate industry by hitting over 1,000 fans on their Facebook page. This page, to be found at http://www.facebook.com/LakeNacimiento, is one of the premier community Facebook pages for the Lake Nacimiento, San Luis Obispo and Paso Robles areas.

Grace Borzini, broker/owner of Oak Shores Realty, started this page and built it from the ground up with guidance from her marketing company, RealSupport, Inc.  “Once Grace allowed us to shifted the page’s focus from real estate-only content to community content and updates, we saw a huge jump in Fan participation,” states Carrie Gable, President of RealSupport, Inc. a firm that focuses exclusively on marketing for the real estate industry.  “We also ran several contests and promotions on the page in order to encourage interaction. As a result, the business page has now reached over 1,100 fans,” says Gable.

The success of the Oak Shores Realty Facebook page has allowed Borzini and her company to utilize social media as a way to connect with their community, expand their business and gain more leads. Similarly, the people in the Lake Nacimiento area or people thinking of relocating or buying a second home in Lake Nacimiento have benefitted from using the Oak Shores Realty page as a community resource, for everything from what the weather is expected to be to what festivals are happening over the weekend to where to go for a great slice of pizza. The fans of the Lake Nacimiento Facebook page use it as a community guide and rely on it for the most up to date information about the area.

The goal of Oak Shores Realty in setting up this Facebook page was to expand their business and position themselves as the community and real estate expert in Lake Nacimiento.  Borzini, who is also a proud home owner in Lake Nacimiento, genuinely wanted to share her love for the lake with everyone that was interested.

For more information about Borzini’s Facebook page, go to http://www.facebook.com/LakeNacimiento

For more information about RealSupport, go to http://www.realsupportinc.com