Coastal Premier Properties is pleased to welcome Kim Speed! Kim will be working out of our Carmel Valley office.

Bio:

Reputable and accomplished real estate specialist and business development executive with sales experience in California, North Carolina, South Carolina, and Maryland. Astute marketing professional adept in the Internet, social media, website presence, print media, staging, and photography. Proven ability to be innovative and achieve results in spite of challenges and perceived obstacles.

Real estate skills-set encompasses sales, escrow, marketing, customer service, and business development.

Recognized and rewarded by real estate peers for achieving multi-million dollar sales revenue and for outstanding customer service.

Professional designations of CRS (Council of Residential Specialists), ABR (Accredited Buyer’s Representative) and ALHS (Accredited Luxury Home Specialist).

Click here to contact Kim! For more about Coastal Premier Properties, visit our website!

It used to be that buyers could go house shopping and when they have found their dream home, then they go to get pre-approved. However, in today’s market, that has proven to be one of the least effective methods in landing a dream home.

Most lenders can pre-qualify you for a mortgage over the phone. Based on general questions about your income, debt, assets, and credit history, lenders can estimate how much mortgage you qualify for. However, being pre-qualified and pre-approved are different things. Pre-approval means that you have applied for a mortgage; you have filled out the mortgage application, received your credit report, and verified your employment, assets, etc. When you are pre-approved, you know exactly what the maximum loan amount will be.

A pre-qualified letter is not verified and in essence, does not count for much if you are competing with other buyers who are pre-approved. When you are pre-approved, you and the seller know exactly how much house you can afford. It gives you credibility as an interested buyer and lets the seller know immediately that you will qualify for a loan to buy their property.

In addition to being pre-approved, it’s important to be pre-approved with a legitimate lender. Legitimate lenders include: banks, mortgage bankers, credit unions, savings and loan associations, mortgage brokers, and online lenders.

Some lenders to avoid: those who lose a form or misplace a file, those who gather information from you in an unorganized manner, those who are not informed about interest rates, points or costs, and those who cannot provide you with the right information.

3510 Ingraham St

San Diego, CA 92109

cafebythebaysd.com

Pacific Beach is full of wonderful hidden gem eateries! The next time you’re in Pacific Beach, stop by Cafe By the Bay to taste some of the greatest smoothies and Acai Bowls in San Diego! In addition to their fruity options, Cafe by the Bay offers a wide variety of sandwiches, burritos, salads, and bagels that are made fresh daily. Our personal favorite menu items are the Paradise Blend Acai Bowl and the Cali Turkey Sandwich!

The cafe is open every day from 8am to 4:30pm.

Many believe metallic decorations make your room feel cold when, in fact, they can really add a nice touch of warmth to your home! Prepare for the cold season just by adding a few of these coppery items in your home. Check out these winter-inspired metallic living room decorations for more inspiration!

All images via Pinterest