Click here for a printable version of this flyer!

The “foreclosure wave” many predicted at the end of last year is beginning to look more like a drought, as foreclosure sales dropped significantly in February. Although sales to 3rd Parties, typically investors, were down month-over-month, as a percentage of all sales 3rd Parties purchased a record 37.6 percent of foreclosures, up from 20.3 percent a year earlier, and just 2.2 percent in February 2008.

Further eliminating any possibility of a foreclosure wave for months to come, was a substantial drop in new foreclosure filings in California. Unlike years past, February’s drop in sales was not due to the short month. Thanks to the Leap Year, California had only one less business day than usual in February (because of the Abraham Lincoln’s birthday observation).

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!

REPAIR COSTS FOR SALINAS RIVER DAM CONTINUE TO RISE

The cost of the emergency repairs to the Salinas River Dam is still uncertain and nearly double the original bid.  What are County officials saying about this?

Click here for more information!

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

Oak Shores Real Estate
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LOCAL HOSPITAL DESIGNATED AS TRAUMA CENTER

Sierra Vista Regional Medical Center was recently designated as San Luis Obispo County’s trauma center.  As of March 1, all traumatic injury patients will be taken here, no matter where in the county the accident happens!

Click here for more information!

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

Oak Shores Real Estate
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OAK SHORES 35th ANNUAL FIREFIGHTERS APPRECIATION DINNER REVIEW

We held our 35th Annual Firefighters Ball and it again was a huge success.  Cora from Oak Hill Market and her catering staff fed 101 people.  Music was provided by Dave Rea.  The dinner and music was enjoyed by all.  The auction was so much fun as we had a professional auctioneer Wes Handy.  When everything is collected, we will be collecting $5,207 to benefit the volunteers and help pay for thing they need, as well as help pay for future volunteers.  High bidder for the fire helmet with pin went to Sheryl Qualls for $1,200.00.  Thank you Sheryl!  Thank you to all that took time to attend or bid on any item or who made a donation in any way.  We are still taking donations for the Fire department.  Please send them to Janice Gillenwater at 8030 Ready Road, Lake Nacimiento, CA 93426.

Our current Volunteer Firefighters are Marcus Dunlap, Tim Bean, and Larry Munro.  Gosha Landeros will be starting drills and classes soon to train more people to join the volunteers.  If you have any desire to help our community, please call our office to find out more details.  Our community needs more volunteers.

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

Oak Shores Real Estate
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As a Lake Nacimiento Real Estate agent, I’m constantly aware of what’s going on in the Lake NacimientoReal Estate market as well as the national housing market.  Because of the economic downturn over the past few years, I saw homeowners struggle through job loss and other financial hardship and knew that I wanted to take action to help them deal with the toll it took owning a Lake Nacimiento home.

To help those facing foreclosure and those dealing with an underwater home (owing more money than the home is worth), I earned a designation as a Certified Distressed Property Expert, and have been able to guide clients to take the best course of action with their Oak Shores or Heritage Ranch home.

Recently, a $25 billion foreclosure settlement was announced in which the federal government and five of the largest mortgage lenders and services will team up to reduce the principle balance on many loans, as well as refinancing loans for many with underwater homes.  The 49 states that are participating (Oklahoma opting out) will receive funds to help consumers and to create new processes to better protect borrowers.

So, what does this mean for you?  If your loan is through Ally Financial (formerly GMAC), Citi, Bank of America, JPMorgan Chase or Wells Fargo, you could be eligible for help from the settlement.  Below are a few of the factors that may qualify you for assistance.

- You’re underwater on your mortgage and delinquent on the payments.

- You’re current on your mortgage payments but have a high-interest loan.

- You lost your home to foreclosure between January 1, 2008, and December 31, 2011.

- You took an FHA mortgage from Countrywide.

- You’re underwater and you want to sell your home.

- You’re a service member and must sell your home at a loss because of a “permanent change in station” order.

- You’re unemployed.

- You’ve lost your home and need financial help to move.

To view more information on the settlement, visit NationalMortgageSettlement.com.  Your mortgage statement will display which company services your loan, so you can determine if you can move forward with seeing if you qualify for help.

While this settlement can be helpful if you qualify; there are also other ways to deal with your distressed property.  As a Certified Distressed Property Expert, I am here to answer any questions you have.  I know this can be a stressful time, but there are ways to navigate through it and having a Lake Nacimiento Real Estate agent who is experienced with distressed properties can make the process run smoothly.

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!

 Click here for more information!

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

Oak Shores Real Estate
View Oak Shores Listings
Visit My Website

LAKE NACIMIENTO STATE OF THE MARKET REPORT – JANUARY 2012

Properties SOLD in Lake Nacimiento in 2011

1. 2142 Equestrian Road, Paso Robles – Mobile Home, Sold For $131,600 on 12/29/11
2. 4418 Moccasin, Paso Robles – Mobile Home, Sold For $136,000 on 12/28/11
3. 2522 Bridle Trail, Paso Robles – Mobile Home, Sold for $95,500 on 12/23/11
4. 4661 Ibis, Paso Robles – Single Family, Sold For $179,000 on 12/23/11
5 2346 Barn Road, Paso Robles – Mobile Home, Sold For $173,000 on 12/16/11
6. 2106 Equestrian Road, Paso Robles – Mobile Home, Sold For $232,000 on 12/16/11
7. 9830 Steelhead Road, Paso Robles – Single Family, Sold For $401,500 on 12/7/11
8. 4596 Windward Way, Paso Robles – Mobile Home, Sold For $121,500 on 11/30/11
9. 4157 Welsh Way, Paso Robles – Single Family, Sold For $190,000 on 11/29/11
10. Lakeside Village Dr, Paso Robles – Vacant Land, .689 acres, Sold For $87,000 on 11/28/11
11. Sand Harbor Court, Paso Robles – Vacant Land, 1.722 acres, Sold For $145,500 on 11/28/11
12. 14440 Chimney Rock Road, Paso Robles – Mobile Home, Sold For $205,000 on 11/23/11
13. 4918 Meadowlark Lane, Paso Robles – Single Family, Sold For $245,000 on 11/23/11
14. 2531 Barn Road, Paso Robles – Mobile home, Sold For $196,000 on 11/18/11
15. 8128 Smith Point Road, Bradley – Single Family, Sold For $540,000 on 11/10/11
16. 2638 Pine Ridge Road, Bradley – Single Family, Sold For $485,000 on 11/10/11
17. 3030 Interlake Road, Bradley – Single Family, Sold For $455,000 on 11/09/11
18. 5019 Bluebird, Paso Robles – Single Family, Sold For $126,000 on 11/08/11
19. 4917 Sparrow Hawk Lane, Paso Robles – Single Family, sold For $119,900 on 11/08/11
20. 4660 Creekside, Paso Robles – Vacant Land, .03 acres, Sold For $81,000 on 11/01/11
21. 8271 Anchor Way, Bradley – Single Family, Sold For $265,000 on 10/31/11
22. 2441 Captains Walk, Bradley – Single Family, Sold For $150,000 on 10/28/11
23. 3371 Riparian Way #39, Paso Robles – Condo, Sold For $195,000 on 10/28/11
24. 4375 Pheasant Lane, Paso Robles – Mobile Home, Sold For $70,000 on 10/28/11
25. 4577 Creekside #19, Paso, Robles – Condo, Sold For For $200,000 on 10/28/11
26. 5022 Bluebird Lane, Paso Robles – Single Family, Sold For $140,000 on 10/28/11
27. 9755 Nacimiento Lake Drive, Paso Robles – Single Family, Sold For $1,395,000 on 10/26/11
28. 3475 Mistletoe, Paso Robles, Vacant Land, 39.7 acres, Sold For $753,500 on 10/21/11
29. 8678 Landlubber, Bradley – Single Family, Sold For $221,000 on 10/14/11
30. 1755 Southfork Pl, Paso Robles – Single Family, Sold For $375,000 on 10/14/11
31. 8804 Deer Trail Court, Bradley – Single Family, Sold For $300,000 on 10/12/11
32. 9595 Red Oak Lane, Paso Robles – Mobile Home, Sold For $695,500 on 10/13/11
33. 4625 Creekside #15, Paso Robles – Condo, Sold For $205,000 on 09/29/11
34. 2042 Wood Duck, Paso Robles – Single Family, Sold For $279,000 on 09/28/11
35. 2372 Rough Road, Bradley – Single Family, Sold For $300,000 on 09/28/11
36. 3090 Water View Drive, Paso Robles – Mobile Home, Sold For $110,000 on 09/27/11
37. 4583 Creekside #18, Paso Robles – Condo, Sold For $205,000 on 09/16/11
38. 2592 Shoreline Rd, Bradley – Single Family, Sold For $366,000 on 09/15/11
39. 2910 Gold Rush, Paso Robles – Mobile Home, Sold For $120,000 on 09/02/11
40. 5005 Bluebird, Paso Robles – Single Family, Sold For $100,000 on 08/31/11
41. 4516 Windward Way, Paso Robles – Single Family, Sold For $105,000 on 08/30/11
42. 3351 Riparian Way #41, Paso Robles – Condo, Sold For $210,000 on 08/30/11
43. 3251 Partridge, Paso Robles – Mobile Home, Sold For $115,000 on 08/26/11
44. 4635 Creekside #14, Paso Robles – Condo, Sold For $205,000 on 08/26/11
45. 1926 Wild Rice, Paso Robles – Single Family, Sold For $227,000 on 08/26/11
46. 2880 Lands End Rd, Bradley – Single Family, Sold For $1,125,000 on 08/26/11
47. 5046 Meadow Lark, Paso Robles – Single Family, Sold For $221,450 on 08/25/11
48. 3361 Riparian Way # 40, Paso Robles – Condo, Sold for $210,000 on 08/22/11
49. 4526 Windward Way, Paso Robles – Mobile Home, Sold for $140,000 on 08/16/11
50. 2342 Blue Heron, Paso Robles – Single Family, Sold for $126,000 on 08/15/11
51. 8222 Bass Point Road, Bradley – Single Family, Sold for $565,000 on 08/12/11
52. 8793 Circle Oak Drive, Bradley – Single Family, Sold for $140,000 on 08/11/11
53. 2668 Chaparral Lane, Paso Robles – Single Family, Sold for $122,000 on 08/05/11
54. 2466 Captains Walk, Bradley – Single Family, Sold for $215,000 on 08/05/11
55. 8069 Pine Branch Road, Bradley – Single Family, Sold for $565,000 on 08/04/11
56. 3087 Bridle Trail , Paso Robles – Mobile Home, Sold for $180,000 on 08/02/11
57. 2646 Pine Ridge Road, Bradley – Single Family, Sold for $355,000 on 08/01/11
58. 2707 Bridle Trail Lane, Paso Robles – Mobile Home, Sold for $112,000 on 07/29/11
59. 4746 Meadow Lark, Paso Robles – Single Family, Sold for $206,000 on 07/29/11
60. 2628 Saddle Back, Paso Robles – Single Family, Sold for $177,000 on 07/22/11
61. 5033 Bluebird, Paso Robles – Single Family, Sold for $155,000 on 07/15/11
62. 3321 Riparian Way #37, Paso Robles – Condo, Sold for $210,000 on 07/15/11
63. 3321 Riparian Way #44, Paso Robles – Condo, Sold for $210,000 on 07/15/11
64. 3610 Lakeside Village Dr, Paso Robles – Single Family, Sold for $378,500 on 07/15/11
65. 4679 Blue Lupine, Paso Robles – Mobile Home, Sold for $90,300 on 07/14/11
66. 9912 Sunfish Cr, Paso Robles – Vacant Land, Sold for $85,000 on 07/11/11
67. 2837 Old Wrangler Lane, Paso Robles – Single Family, Sold for $220,500 on 07/08/11
68. 3122 E Beach Cir, Bradley – Single Family, Sold for $400,000 on 07/07/11
69. 2647 Pine Ridge Road, Bradley – Single Family, Sold for $500,000 on 07/07/11
70. 2635 Bridle Trail Lane, Paso Robles – Mobile Home, Sold for $180,000 on 07/06/11
71. 4286 Skylink, Paso Robles – Mobile Home, Sold for $65,000 on 07/01/11
72. 4597 Creekside #16, Paso Robles – Condo, Sold for $215,000 on 07/01/11
73. 4597 Creekside #17, Paso Robles – Condo, Sold for $215,000 on 07/01/11
74. Off Gage Irving Rd, Paso Robles – Vacant Land, Sold for $725,000 on 06/30/11
75. 4961 Pretty Doe Lane, Paso Robles – Single Family, Sold for $140,000 on 06/30/11
76. 2642 Bridle Trail Lane, Paso Robles – Mobile Home, Sold for $149,000 on 06/30/11
77. 2435 Sand Harbor Ct, Paso Robles – Single Family, Sold for $352,000 on 06/28/11
78. 5214 Happy Hunting Circle, Paso Robles – Vacant Land, Sold for $57,000 on 06/24/11
79. 3118 E Beach Circle, Bradley – Vacant Land, Sold for $26,000 on 06/20/11
80. 4349 Longview, Paso Robles – Mobile Home, Sold for $149,000 on 06/17/11
81. 9918 Sunfish Circle, Paso Robles – Single Family, Sold for $419,900 on 06/16/11
82. 1985 Wood Duck, Paso Robles – Single Family, Sold for $200,000 on 06/15/11
83. 4907 Sparrow Hawk Lane, Paso Robles – Single Family, Sold for $155,000 on 06/10/11
84. 4543 Tumbleweed Way, Paso Robles – Single Family, Sold for $242,000 on 06/10/11
85. 6075 Nacimiento Shores Road, Bradley – Mobile Home, Sold for $175,000 on 06/9/11
86. 3023 Spyglass Lane, Paso Robles – Mobile Home, Sold for $131,500 on 06/08/11
87. 2105 Clamath Ct, Paso Robles – Vacant Land, Sold for $50,000 on 06/03/11
88. 2315 Big Bear Lane, Paso Robles – Vacant Land, Sold for $77,500 on 06/01/11
89. 4570 Fishermans Court, Paso Robles – Mobile Home, Sold for $150,000 on 05/27/11
90. 4904 Longhorn Lane, Paso Robles – Single Family, Sold for $205,000 on 05/27/11
91. 2300 Lakeview Drive, Bradley – Single Family, Sold for $227,500 on 05/27/11
92. 4428 Moccasin Lane, Paso Robles – Mobile Home, Sold for $98,000 on 05/25/11
93. 4696 Shady Creek Drive, Paso Robles – Condo, Sold for $190,000 on 05/19/11
94. 5034 Meadow Lark, Paso Robles – Single Family, Sold for $194,000 on 05/18/11
95. 4739 Meadow Lark, Paso Robles – Single Family, Sold for $195,000 on 05/17/11
96. 4669 Shady Creek Drive, Paso Robles – Condo, Sold for $109,900 on 05/09/11
97. 3147 Gray Fox, Paso Robles – Mobile Home, Sold for $72,500 on 05/06/11
98. 2399 Comanche Way, Paso Robles – Vacant Land, Sold for $50,000 on 04/29/11
99. 2421 Sandpiper, Paso Robles – HUD – Planned Unit Development, Sold for $95,000 on 04/28/11
100. 1933 Brook Lane, Paso Robles – Single Family, Sold for $291,000 on 04/25/11
101. 5125 Bluebird Lane, Paso Robles – Single Family, Sold for $136,000 on 04/22/11
102. 2692 Pine Ridge Road, Bradley – Single Family, Sold for $650,000 on 04/22/11
103. 2616 Pinto, Paso Robles – Single Family, Sold for $135,000 on 04/14/11
104. 4149 Quarterhorse Way, Paso Robles – Mobile Home, Sold for $163,600 on 04/01/11
105. 4546 Windward Way, Paso Robles – Mobile Home, Sold for $138,000 on 04/01/11
106. 9415 Reservoir Road, Paso Robles – Single Family, Sold for $387,600 on 03/31/11
107. 9140 Windmill Road, Paso Robles – Single Family, Sold for $370,000 on 03/30/11
108. 1931 Wild Rice Lane, Paso Robles – Single Family, Sold for $230,000 on 03/30/11
109. 4799 Pintail Avenue, Paso Robles – Single Family, Sold for $245,000 on 03/25/11
110. 5046 Meadow Lark Lane, Paso Robles – Single Family, Sold for $129,000 on 03/24/11
111. 2188 Ridge Rider Road, Bradley – Single Family, Sold for $325,000 on 03/21/11
112. 4732 Meadow Lark Lane, Paso Robles – Single Family, Sold for $189,500 on 03/18/11
113. 2334 Lakeview Drive, Bradley – Single Family, Sold for $185,000 on 03/16/11
114. 4423 Longview, Paso Robles – Mobile Home, Sold for $110,000 on 03/11/11
115. 4611 Windward Way, Paso Robles – Mobile Home, Sold for $73,000 on 03/11/11
116. 5775 Aluffo Road, Paso Robles – Vacant Land, Sold for $176,500 on 03/10/11
117. 5029 Meadow Lark, Paso Robles – Single Family, Sold for $194,000 on 03/09/11
118. 4625 Smugglers Point Lane, Paso Robles – Vacant Land, Sold for $64,900 on 03/03/11
119. 2512 Shoreline Road, Bradley – Single Family, Sold for $242,000 on 02/28/11
120. 3345 Water View Drive, Paso Robles – Single Family, Sold for $125,000 on 02/25/11
121. 3121 Gray Fox, Paso Robles – Mobile Home, Sold for $95,000 on 02/25/11
122. 4777 Tumbleweed Way, Paso Robles – Mobile Home, Sold for $255,000 on 02/25/11
123. 1948 Willowbrook Lane, Paso Robles – Single Family, Sold for $165,000 on 02/18/11
124. Interlake Road, Paso Robles – Vacant Land, Sold for $80,000 on 02/17/11
125. 4567 Tumbleweed Way, Paso Robles – Single Family, Sold for $150,000 on 02/16/11
126. 4583 Tumbleweed Way, Paso Robles – Single Family, Sold for $140,000 on 02/01/11
127. 4195 Hackney Way, Paso Robles – Single Family, Sold for $115,000 on 02/11/11
128. 2852 Lands End Road, Bradley – Single Family, Sold for $450,000 on 01/28/11
129. 3112 E Beach Circle, Bradley – Single Family, Sold for $368,300 on 01/28/11
130. 4610 Fishermans Court, Paso Robles – Single Family, Sold for $225,000 on 01/28/11
131. 144 Timberline Drive, Paso Robles – Vacant Land, Sold for $52,000 on 01/19/11
132. 4943 Pretty Doe, Paso Robles – Single Family, Sold for $157,000 on 01/12/11
133. 3640 Delaney Place, Paso Robles – Vacant Land, Sold for $20,000 on 01/07/11
134. 2438 Captians Walk, Bradley – Single Family, Sold for $287,500 on 01/04/11

Properties Currently UNDER CONTRACT in Lake Nacimiento

1. 3011 Cruise Circle, Paso Robles – Mobile Home, Currently Listed For $119,000
2. 2697 Bridle Trail, Paso Robles – Mobile Home, Currently Listed For $199,000
3. 9979 Sunfish Circle, Paso Robles – Single Family, Currently Listed For $375,000
4. 1725 Southfork Place, Paso Robles – Single Family, Currently Listed For $424,900
5. 2602 Shoreline Road, Bradley – Single Family, Currently Listed For $479,000
6. 2979 Cruise Circle, Paso Robles – Mobile Home, Currently Listed For $110,000
7. 2425 Sand Harbor Court, Paso Robles – Single Family, Currently Listed For $329,500
8. 3381 Riparian Way #38, Paso Robles – Condo, Currently Listed For $199,000
9. 2542 Shoreline Road, Bradley – Single Family, Currently Listed For $319,000
10. 4939 Meadow Lark, Paso Robles – Single Family, Currently Listed For $108,000
11. 9975 Flyrod Drive, Paso Robles – Single Family, Currently Listed For $449,000
12. 3550 Soda Road, Paso Robles – Single Family, Currently Listed For $189,000
13. 4720 Mallard Court, Paso Robles – Single Family, Currently Listed For $255,000
14. 2537 Anchor Circle, Bradley – Single Family, Currently Listed For $275,000
15. 3415 Lakeside Village Drive, Paso Robles – Single Family, Currently Listed For $298,000
16. 7667 Town Creek, Paso Robles – Single Family, Currently Listed For $449,000

Prices Just REDUCED this month in Lake Nacimiento

1. 2225 Holly Drive, Paso Robles – Vacant Land, 0.286 acres, Currently Listed For $35,000
2. 3670 Persimmon Place, Paso Robles – Vacant Land, .231 acres, Currently Listed For $35,000
3. 2505 Shoreline Road, Bradley – Vacant Land, .158 acres, Currently Listed For $45,000
4. 1745 Southfork Place, Paso Robles – Vacant Land, .311 acres, Currently Listed For $69,000
5. 2930 Gold Rush, Paso Robles – Mobile Home, 2 Bedrooms, 2 Bathrooms, Currently Listed For $69,900
6. 8767 Pronghorn Court, Bradley – Vacant Land, .161 acres, Currently Listed For $79,900
7. 4309 Skylink, Paso Robles – Mobile Home, 3 Bedrooms, 2 Bathrooms, Currently Listed For $87,000
8. 2660 Pine Ridge Road, Bradley – Single Family, 2 Bedrooms, 2 Bathrooms, Currently Listed For $180,500
9. 45 W. Knoll Drive, Paso Robles – Mobile Home, 3 Bedrooms, 2 Bathrooms, Currently Listed For $275,000
10. 2516 Shoreline Road, Bradley – Single Family, 3 Bedroom, 2 Bathrooms, Currently Listed For $329,900
11. 9949 Flyrod Drive, Paso Robles – Single Family, 3 Bedrooms, 2 Bathrooms, Currently Listed For $339,900
12. 5585 Aluffo Road, Paso Robles – Mobile Home, 2 Bedrooms, 1 Bathroom, Currently Listed For $499,900
13. 9425 Reservoir Road, Paso Robles – Single Family, 3 Bedrooms,2 Bathrooms, Currently Listed For $575,000

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!

Real Estate investors started off 2012 with a bang. California saw the most activity, with investors purchasing 3,964 properties for $766.2 million. Note that trustee sale investors must pay in cash, in full, with no title insurance or inspections prior to purchase. This is the fourth largest month on record in California, and the busiest since March of 2011.

Despite what appears to be significant percentage increases in Foreclosure Starts, these increases barely offset the declines seen over the holidays. Compared to January one year ago, Foreclosure Starts are significantly lower now – despite the fact that many banks were still under self-imposed moratoriums due to robo-signing last year.

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.

Please let us know how we can help!

With tax season just around the corner, money is at the forefront of many people’s minds.  This can be especially true if you’re thinking of buying a home or a vacation home on Lake Nacimiento this year.  You want to plan carefully and know that your finances are in impeccable order before moving ahead with the home buying process.

As a Lake Nacimiento Real Estate agent, I help many people each year follow their dreams to owning one of the beautiful homes in Oak Shores or Heritage Ranch on Lake Nacimiento.  Whether vacationers are looking for a lakefront home or those hoping to retire are envisioning days of relaxing out on their deck with views of Lake Nacimiento; helping people achieve their goals is one of my top priorities!

One of the biggest set backs in buying a Lake Nacimiento home is not being financially prepared and, for those who are looking to move quickly on a home, this can be frustrating.  Before you begin looking at homes on Lake Nacimiento, I would encourage you to take the time needed to get your personal finances organized.  Here are six things you’ll want to do in order to sail smoothly through the home buying process.

1. Check your credit report and fix any errors- Did you know that by law, you have the right to a free annual credit report?  This is something you’ll want to take advantage of as it allows you to review your report and correct any errors or outdated information.  If you do happen to find a mistake, you’ll be able to contact the corresponding credit bureau to discuss the discrepancies.

2. Review your budget- Reviewing your monthly budget is imperative before buying an Oak Shores or Heritage Ranch home.  You’ll want to know exactly how much money you have to work with each month and can cut any unnecessary expenses if needed.  Buying a home, especially a second home, is a large financial decision so allowing yourself to cut down frivolous expenses in order to save more is wise.

3. Review your monthly withholdings- You may find that, by reviewing your monthly withholdings, you’re able to save more money or have more cash on hand.  Before you make any changes to your withholdings however, you will want to talk with your trusted tax advisor so you’re not stuck with owing extra money to the IRS at the end of the year.

4.  Review your financial emergency plan- Having an emergency financial plan is almost essential before buying a home.  Most financial advisors would recommend having at least six months worth of expenses saved in case of emergencies.  Not only will this give you peace of mind, but it can provide a solid financial base that you can continue to build upon.

5. Sign up for paperless statements- Being surrounded by such beautiful scenery on Lake Nacimiento is a constant reminder to be caring for our environment.  While seemingly insignificant, signing up for paperless statements and paying your bills online will add up over time and can save countless trees.

6. Consolidate accounts- While it can be useful to have various accounts open with your bank for savings, an emergency fund, or other financial goal, it can also get tricky to keep track of which part of your paycheck is going where.  If you are finding it difficult to keep juggle these separate accounts; it’s time to consolidate. Of course you’ll want to check with your financial institution prior to ensure there aren’t any fees for canceling an account, but taking this step can keep your finances better organized.

These tips will be valuable to you whether you’re buying a home as a permanent residence or vacation getaway!  In working in the Lake Nacimiento Real Estate market for a number of years, I can assure you that doing a little bit of pre-work prior to beginning your house hunting will be the most beneficial thing you can do.

I’m here to answer any questions you may have about the Lake Nacimiento Real Estate market and to help you each step of the way to finding your dream home on Lake Nacimiento, so don’t hesitate to contact me today!

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!