Archives: December 2010

7 Tips for Buying a Foreclosed Home on Lake Nacimiento in 2011!

Lake Nacimiento is getting ready to kick off the New Year and my team and I at Oak Shores Realty are excited for 2011!  Experts predict that foreclosure listings will flood the market and we’re ready!  The Oak Shores Realty team is well-trained and certified in distressed and foreclosure properties.  We’re able to help all those interested in buying a short sale or foreclosed home on Lake Nacimiento through the entire home buying process.

While we know that going into foreclosure is not an ideal situation for sellers, buyers do not need to shy away from this opportunity.  Many looking for a home in Oak Shores or Heritage Ranch on Lake Nacimiento don’t want to consider a distressed property home as the process can tend to take a little longer.  However, if you have the patience and are willing to walk through each step of the process; you can find a great deal on a beautiful Lake Nacimiento home!  Below are 7 steps to get you started as you consider buying a foreclosed home on Lake Nacimiento:

1. Understand the Foreclosure Process- Foreclosure is a process that allows a lender to recover the amount owed on a defaulted loan by selling or taking ownership (repossession) of the property securing the loan.  The foreclosure process can end one of four ways.

•    The borrower/owner pays off the default amount to reinstate the loan during a grace period known as pre-foreclosure
•    The borrower/owner sells the property to a third party during pre-foreclosure, allowing the borrower/owner to pay off the loan and avoid having a foreclosure on his or her credit history
•    A third party buys the property at a public auction at the end of the pre-foreclosure period
•    The lender takes ownership of the property, usually with the intent to re-sell. The lender can take ownership through an agreement with the borrower/owner during pre-foreclosure or by buying back the property at the public auction.

2. Choose a Foreclosure Stage You’re Comfortable With
- Whether you find a short sale or a bank owned foreclosure property; your Lake Nacimiento Real Estate agent can help you determine which type is right for you.

3. Find a Real Estate Agent- This is key in the foreclosure home buying process.  Not every agent can easily navigate through the foreclosure process due to lack of experience.  At Oak Shores Realty, we deal with foreclosure properties on a daily basis and have helped many Lake Nacimiento home buyers purchase a foreclosed home.

4. Find Foreclosed Properties
- View an extensive list of foreclosed properties on our website, www.OakShoresRealty.com! Let me know if you find one that interests you, and I’d be happy to set up an appointment for you to take a look!

5. Check the Property Liens- A lien is a legal claim on a property by a lender or other entity that is owed money by the owner of the property. In addition to the outstanding mortgage balance, buyers need to be aware of other liens, which can drive up the purchase price. Examples include outstanding property taxes and unpaid repairs or remodeling done by a contractor.  Your Lake Nacimiento Real Estate agent will be able to let you know if there are any outstanding liens on the home in which you’re interested.

6. Do the Math- While the asking price on the foreclosure may seem like a steal; be sure to calculate any repairs or upgrades that you plan to make in the home.  This will help you determine how much money you’ll actually be putting into this home.

7. Find Financing- Before you begin your Lake Nacimiento foreclosed home search; be sure to secure financing.  There may be many buyers looking at the same home and the home sale can easily come down to those who already have financing in place.  This will also help you determine how much you can afford.

I hope these tips are helpful as you think about buying a foreclosed home in Lake Nacimiento!  Please feel free to contact me with any questions you may have or to get started!  I look forward to hearing from you and helping you through the home buying process!

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!

Celebrate the New Year This Friday in Lake Nacimiento and Paso Robles!

It’s been a great year in the communities of Oak Shores and Heritage Ranch on Lake Nacimiento!  Each community has experienced growth and changes that keep them vibrant and desirable places to live!  The national housing market has of course seen its share of highs and lows, but the Lake Nacimiento Real Estate market seems to have risen above and is still a thriving market in which to buy and sell.  From vacation homes to permanent residences, the homes on Lake Nacimiento offer comfort, beauty and wonderful Lake Nacimiento views and access!

If you’ve bought a home in Lake Nacimiento and are looking for ways to get together with neighbors and connect more within the community; there is a great opportunity this Friday night!  The New Years’ Eve Oak Shores Gala will be a fun and exciting way to start 2011.  Enjoy getting to know your neighbors and celebrating the end of a fun-filled year and the beginning of new possibilities!

The New Years’ Eve Oak Shores Gala will begin on Friday, December 31 at 8pm and will end slightly after the New Year has been celebrated!  This evening is for adults 18 years and older and is $25 per person.  Taking place at the Oak Shores Club House, the night will include hors d’oeuvres, dancing and live music by the Red Dog Raiders.  The dress for the gala is semi-formal and is a great way to support the Oak Shores community!  Please RSVP to Janice at 472-9404 or Sheri at 472-2855.

If you prefer to venture out New Year’s Eve to the nearby town of Paso Robles; there are a few events that you can enjoy.   Paso Robles gives Lake Nacimiento residents the chance to experience a larger city environment and is a short drive from Lake Nacimiento through scenic Central California countryside.  Those living in Oak Shores or Heritage Ranch will take advantage of the restaurants, shopping and events of Paso Robles, but always love coming home to the quiet and rest that Lake Nacimiento offers!  Below are a few events taking place this Friday in Paso Robles.

Summerwood Winery & Inn
New Years Eve Masquerade Ball at Summerwood

2175 Arbor Rd, Paso Robles
www.summerwoodwine.com
December 31, 8 p.m.
– This Masquerade ball will be a night to remember with live music by The Martin Paris Band, fine wine and food creations by Executive Chef Kelly Wangard. A countdown to the new year with a champagne toast will end the night. Call or email for more details.
Price:     $125pp/$110pp/$99pp inclusive
Contact:   805.227.1111

La Bellasera Hotel & Suites
Roaring ’20s New Year’s Eve Party

206 Alexa Court, Paso Robles
www.labellasera.com
December 31, 7:30pm
– Delicious three course meal with appetizers,dancing to Rythem Mehtod, Champagne toast, cash bar available, party favors, costume prizes. Party/Room packages starting at $400. Reservations required.
Price:   $99/pp
Contact:  805.238.2834

Robert Hall Winery
New Year’s Eve Dinner

3443 Mill Road, Paso Robles
www.roberthallwinery.com/events
December 31, 7 p.m. – 1 a.m.
– Ring in the new year as we celebrate the “Golden Era”. Join us for a night of old Hollywood golden glamour filled with a gourmet dinner, live entertainment from Funk 30 and lots of golden times! For additional information or reservations please contact 805.239.1616 ext. 24.
Price:   $125/CC; $150
Contact:  805.239.1616

I hope you take the opportunity to get to know your Lake Nacimiento neighbors and surrounding area better!  If you are not currently a living in Oak Shores or Heritage Ranch on Lake Nacimiento and are hoping to buy a Lake Nacimiento home in 2011; please let me know!  I’ve had years of experience in the Lake Nacimiento Real Estate market and can guide you each step of the way!  I look forward to hearing from you and helping you find the Lake Nacimiento home that best fits your needs and lifestyle.

Happy New Year!

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!

Lake Naci News: December

NEW YEARS EVE PARTY

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.

Inexpensive Ways to Enjoy the Holiday on Lake Nacimiento!

There’s a growing excitement on Lake Nacimiento as Christmas Day is only a few days away!  The hustle and bustleof holiday shopping, parties, concerts and much more may have your head spinning and there still may be much to do before Saturday.  However being able to really sit back and enjoy this time is what the holiday season is all about.

Whether you’re staying at your Oak Shores or Heritage Ranch home on Lake Nacimeinto or are venturing out to visit family and friends; I wanted to share 8 great ways to enjoy the holidays without any additional spending!  We all feel the brunt of the economic recession in one way or another, so finding ways to save money while still experiencing Christmas cheer is something from which we can all benefit!

1. Candlelight Night- There’s something very calming about candlelight.  Why not get together with friends or family, light a few candles and have your fireplace glowing and take time to share your favorite Christmas memories!

2. Slow Down- Feel that you have a million thoughts running through your head and a long list of things to do before Christmas Eve?  Sit down and just take a minute to relax.  Find a quiet place in your home, enjoy the calming views of Lake Nacimiento from your Oak Shores home and just block out all the noise.  Being able to take a few minutes to do this will help you to enjoy the holiday more as you feel relaxed and more focused on the true meaning of the holidays.

3. Potluck- Instead of trying to do it all and take on hosting a large Christmas dinner in your home on Lake Nacimiento; have a potluck!  Whether you’re gathering with your Oak Shores or Heritage Ranch neighbors or are expecting a large group of family and friends; sharing the cooking will take the pressure off of you!  This also gives others the opportunity to share their favorite holiday recipes!

4. Movie Night- Looking for something to do for a fun holiday event?  Host a movie night with holiday treats and your favorite holiday movies!  This inexpensive gathering will be fun for children and adults alike!

5. Cocktail Party- Try hosting a cocktail party in place of an entire meal.  If you want to keep things simple, and don’t have an entire evening free- this can be a way to gather with friends over a little Christmas cheer.  Have an under $5 gift exchange for added fun!

6. Hot Chocolate Tasting- This classic winter drink is loved by many and with all the new flavors out there, a hot chocolate tasting may be just the thing for a fun holiday idea!  The tasting can take place for the children while the adults enjoy their cocktail party, or can become part of your Christmas Eve traditions!

7. Winter Walk
- Lake Nacimiento is beautiful this time of year!  Even though the leaves on the Oak trees are gone, the Pine trees offer that touch of green and holiday spirit.  The fresh air will be invigorating and discovering your favorite walking path around Lake Nacimiento is always a great idea!

8. Give Back- Whether it’s your time, money, or donations… give back this season!  There are many who aren’t able to experience the holidays to the fullest due to illness, loneliness or lack of resources to buy gifts for loved ones.  Why not take the time to give back in some way?  Gather your Lake Nacimiento neighbors or family and come up with creative ways to give back to the community surrounding Lake Nacimeinto!  You’ll enjoy seeing the smiles on others faces!

I hope these ideas will be something you can do or will spark new ideas for ways to enjoy the holiday!  The holiday season is festive around Lake Nacimiento and allows Oak Shores and Heritage Ranch residents to really enjoy the Lake Nacimiento lifestyle!  If you have any questions about living on Lake Nacimiento, please let me know!  I’d be happy to answer any questions you may have about the Lake Nacimiento Real Estate market!

Happy Holidays!

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!

A Look Ahead at 2011 Lake Nacimiento Real Estate Market!

It’s been a year of ups and downs for, not only Lake Nacimiento Real Estate, but the national housing market as well.  With the end of 2010 quickly approaching, we’re looking ahead to what the New Year brings!  I’ve enjoyed working with the communities of Oak Shores and Heritage Ranch on Lake Nacimiento even with the market still picking itself up from the rubble of the recession.  At Oak Shores Realty, we’re optimistic about the future and although the market still may take a few years to fully recover, we can expect 2011 to see a continual stabilization.

Inman News recently put out an article that gave insight into where the market is headed for 2011.  There are some pros and cons as the housing market is trying to adjust, and I wanted to give you an idea of some of the trends for 2011.

1. Mortgage Rates- Mortgage rates will remain low and are expected to continue below 5% for the majority of 2011.

2. Foreclosures- There will be more foreclosed homes coming on the market next year. This will result in an abundance of supply, but also a somewhat lower quality of homes.  While many try to steer clear of foreclosure homes; Oak Shores Realty specializes in short sale and foreclosure homes and can help you buy one of these homes!  We have years of experience in dealing with negotiations and the additional paperwork that goes along with these types of sales and have been very successful in helping people find the foreclosure home that fits their needs and lifestyle!

3. Lower Prices- It’s expected that home prices will drop another 5-10% this coming year due to the amount of foreclosures coming on the market.  This is great news for those hoping to buy a home in Oak Shores or Heritage Ranch on Lake Nacimiento!

Although the national housing market is not expected to improve drastically within the next year, this is the process we will have to go through to heal and many are very optimistic about the upswing for 2012.  Those interested in buying a home on Lake Nacimiento will benefit from steady mortgage rates and home prices.

If you need to sell your Lake Nacimiento home within the coming year; please let me know!  I can help you each step of the way!  You may be concerned about your home being underwater and are currently facing a possible foreclosure on your home, however there’s another option!  I’m a certified short sale expert and can help save your home from going into foreclosure.

Please contact me with any questions about the Lake Nacimiento Real Estate market or to start searching for your new Lake Nacimiento home!

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!

Lake Naci News: December

WISHING YOU A MERRY CHRISTMAS AND HAPPY HOLIDAY SEASON FROM EVERYONE AT OAK SHORES REALTY!

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.

Celebrate the Holiday Season & Give Back This Weekend on Lake Nacimiento!

Lake Nacimiento is enjoying the festive holiday season to the fullest as its communities of Oak Shores and Heritage Ranch are coming up with creative ways to get together and celebrate!  Both communities have a strong sense of interacting with neighbors and working together to ensure that Oak Shores and Heritage Ranch remain great communities in which to live!

This weekend brings another way to celebrate the holiday season and interact with family, friends and neighbors in Oak Shores on Lake Nacimiento.  Join us on Saturday, December 18 at 5:30pm at the Oak Shores clubhouse for the Annual Christmas Party Potluck with Santa!

Each year, this has been a highlight for both children and adults alike as the magic of Santa heightens the spirit of Christmas.  Children can meet Santa and give their gift wish list while adults have the opportunity to mingle and enjoy the adult beverage bar.  Bring your favorite festive main dish or dessert to share!  Adults need to RSVP to 805-472-2233 so the elves can let Santa know how many children to expect!

Another great aspect of this evening is the idea of giving back to those in need in the areas surrounding Lake Nacimiento.  All attending the party are encouraged to bring unwrapped toys to donate to Toys for Tot’s.  There will be barrel for the toys and the hope is to have it over flowing by the end of the night!  The toys will be taken to the Toys for Tots Central California Coast which services the Paso Robles area and is sponsored by the Marine Corps League in San Luis Obispo.

The Oak Shores and Heritage Ranch communities on Lake Nacimiento are committed to, not only interacting with each other, but to reaching out and giving back to the surrounding areas.  Living in Oak Shores or Heritage Ranch provides many opportunities for a full and well rounded lifestyle!  If you’ve been interested in buying a home in Oak Shores or Heritage Ranch on Lake Nacimiento- please let me know!  I can show you some of the available homes on Lake Nacimiento and help you each step of the way through the home buying process.  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!

Oak Leaves News, Lake Nacimiento – December 2010 Edition

Check out the latest addition of the Oak Leaves, Oak Shores at Lake Nacimiento, Newsletter and stay up-to-date on all news and events for the Oak Shores community including important announcements and fun activities!

Read the December issue of Oak Leaves.
View the archived issues of Oak Leaves
!

Grace Borzini
Your Oak Shores Real Estate Expert
Oak Shores Realty
Oak Shores Real EstateView 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!

Foreclosure Update – December

Foreclosure activity slowed across the board in California. Notice of Default filings dipped 9.3 percent month over month, while Notice of Trustee filings declined a mere 1.0 percent from October. Cancellations of foreclosure sales dropped 8.5 percent in November, down 54 percent from their peak in June, likely due in part to the failure of the Administration’s Home Affordable Modification Program (HAMP) to help California homeowners. Foreclosure sales are down by 9.0 percent from October, though sales to 3rd parties increased by 7.8 percent.

Source: ForeclosureRadar.com

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.

7 Tips for Being Eco-Conscious This Winter Season in Your Lake Nacimiento Home!

Living on Lake Nacimiento allows residents to enjoy the natural beauty all around them.  Beautiful pine and oak trees, the rippling lake water and fresh air are what spur many to buy a home on Lake Nacimiento.  Not only do those residing in Oak Shores or Heritage Ranch homes soak in their environment, but the small woodland creatures, variety of birds and deer take in the nature surrounding them.  We want to keep Lake Nacimiento and the environment as well preserved and beautiful as possible!

As we all enjoy the holiday season, the bright lights that decorate Lake Nacimiento homes, and cooler weather; there are still ways to be mindful of the energy we’re using.  Each Lake Nacimiento home can take part in energy efficiency that will keep our cherished environment intact.  Below are just a few ways to be sure you’re saving energy this winter season.

1. Set the Timer- Set your thermostat to lower temperatures while you’re away from your Lake Nacimiento home or while you’re sleeping.  This will automatically help reduce energy used as well as costs just by programming your thermostat.

2. Let the Sunshine In- During the day, be sure to leave blinds and curtains open to let in the sunlight and natural heat.  At night, shut them to help “trap” the warmth.

3. Light a Fire- It’s amazing how a fire in your fireplace can heat up a room instantly!  Consider lowering your thermostat on cooler evenings and lighting a fire instead.

4. Bundle Up- Feeling chilled?  Instead of turning up the thermostat, throw on a pair of socks or an extra layer.  These small choices to not turn up the heat can really add up in energy savings!

5. Switch our Your Lights- From lamps to the Christmas tree, all of your lights can be changed out for energy efficient LED lights!  With the sun setting earlier, you’ll be using your indoor lights more often.  Also, the festivity of the season’s decorations can spike energy bill.  LED Christmas lights can cut back on costs and energy usage.

6. Stop Leaks- Check all doors and windows for drafts.  You can easily seal windows and doors to prevent the warm air from your Lake Nacimiento home escaping while making sure the cool air doesn’t leak in!

7. Unplug- Not using an appliance?  Unplug it!  The Department of Energy notes that, even if appliances are not being used, they are still using energy.  40% of electricity used for your home electronics is used when they’re turned off, but still plugged in.  Getting in the habit of unplugging will be prove to be a smart habit in the long run!

As you celebrate the holidays and go throughout the winter season on Lake Nacimiento; I hope you consider making these changes!  Start with a few and add in a new one each week to ensure each new habit “sticks.”  While seemingly minor, these are all the little things we can be doing each day to preserve and protect our natural surroundings on Lake Nacimiento!

If you have any questions about Lake Nacimiento or the Lake Nacimiento Real Estate market; please let me know!  I work with both buyers and sellers in the Oak Shores and Heritage Ranch communities and enjoy helping them through the Lake Nacimiento Real Estate market.  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!