If you’ve been spending more times indoors in your Oak Shores or Heritage Ranch home, now is a great time to get out and enjoy this beautiful weather!  Lake Nacimiento is known for its scenic lake and trails that wind around its 165 mile perimeter.  Whether you are a permanent resident on Lake Nacimiento or have plan to enjoy it as a vacation getaway, taking a hike is one of the best ways to take breath in the fresh air and see what makes Lake Nacimiento a desired destination.

As a Lake Nacimiento Real Estate agent, I love to highlight Lake Nacimiento’s ideal location in Central California and being in the midst of great outdoor adventures is at the top of many people’s list!  For those of you who are looking for more rigorous hiking, there are plenty of options around the area. Be sure to check out some of the trails that are just an hours drive from Lake Nacimiento. (Just think, you’ll be able to enjoy the stunning scenery along the way!)

San Simeon State Park- This state park offers an abundance of trails and great scenery. View more information on the San Simeon Creek Trail.

San Simeon Loop- Found in Leimert, CA, this trail offers a more relaxed approach as you’re able to take in the views of California’s Central Coastline. View more information on Trails.com.

The East West Ranch Bluff Trail- The town of Cambria, is home to one of the most breathtaking trails. Situated along the coastline, this trail follows the eroded bluffs along the ocean. With two wooden bridges along this one mile trail and benches spotted along the trail to take in the views, this is a hike that you won’t want to miss!

Anza National Historic Trail North- The Anza National Historic Trail winds along a portion of the original trail led by Juan Bautista de Anza in 1776. The tree lined view will make you feel as though you’re discovering a new world! View more information about this great hike.

No matter what your hiking level, you’ll be able to experience the breathtaking beauty surrounding Lake Nacimiento!  Of course there are plenty of other outdoor adventures, especially during the long Lake Nacimiento summers that you won’t want to miss!

If you’re not currently a home owner on Lake Nacimiento, but have been considering relocating or buying a vacation home in Oak Shores or Heritage Ranch on Lake Nacimiento; let me know!  I’d love to put my years of experience in the Lake Nacimiento Real Estate market to work for you to ensure you get the home that best fits your needs and lifestyle.

I look forward to hearing from you!  Happy trails!

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!

Oak Shores Community Association Updates Rules

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!

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
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