Central Coast Real Estate Tips | Search Listings

Traci's Your Realtor for it all...

2011-12-29T10:44:00.000-08:00

Traci's Your San Luis Obispo Realtor for it all...

Yesterday I got a call from a potential buyer off of a sign I have at my listing on Royal Way in San Luis Obispo. Anne called to learn more about my listing and she was asking all the right questions. We got into the property details and she was happy to hear all of the information I was giving her about the property. But as we were talking I was not only giving her info she was asking about but I was asking her questions to get a sense of what her objectives are in her next home purchase.

But the reason for this Blog post is because while I was talking to Anne I wasn't just regurgitating the information about the home but we got into discussing the current housing market and the pro's and con's of living in the San Luis Obispo area. I want my current and future clients to know that my job as your Realtor is to not only helping you find a home but to be a beacon for ALL aspects of housing. That can include current housing market, moving, repairs, consultants, San Luis Obispo city & county items, schools, local amenities and calendar events in the area. It's my job to be "In the Know". I'm happy to share my knowledge and information to better your life and your families life. Let me be your resource for these things. I am just a phone call away. In the epic words of Tom Cruise in Jerry Maguire, " Help me , Help you..."

Your realtor is your resource for your neighborhood and lifestyle!

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Live in the Happiest Place in America

2011-09-16T18:11:00.000-07:00

Who say's San Luis Obispo is the best place to live? Well, let's see... Oprah, Dateline NBC, Sunset Magazine, ABC News, Men's Journal, LA Times and National Geographic just to name a few! I can confirm the rumors because I live and work here.

San Luis Obispo County is a coastal county located between San Francisco and Los Angeles… Our main city is also San Luis Obispo (or "SLO" as locals call it) and I'm sure you've been hearing about it! Oprah called San Luis Obispo the "Happiest place in America" to live! It's been voted by Sunset magazine as the Best Town of the Future, having the Best Weather in the US, the most irresistible Wine Escapes in the country and Best Foods and Farmer's Markets!

What makes SLO so magical?

Often people say it's the ideal weather and clean air. Other's say it's unmatched community spirit, non-profit support and entrepreneurial leadership. Visitor's might argue that it's the natural and assorted beauty from inland to the sea. Perhaps it the unique wildlife and migrating friends that make us unique.

Maybe the celebrations of our history makes it a magical place to be. Personally, I enjoy the variety of activities across this relaxed county! The celebrated public events certainly add a lot of character and fun for all ages... But maybe it's the range of award winning foods or the world class wineries that make SLO county so special.

Living here and escaping to the variety of beaches certainly has it's perks but maybe it's the happy people that make SLO such a great place to live!

Before I share the SECRET TO LIVING HERE, here's just a few more praises:

* Forbes predicted us as the "Best City for Housing Recovery"
* Delta Sky Magazine calls us the "Happiest Place in the World"
* Men's Journal calls us the "Coolest Town"
* We were called an "Adventure Mecca" by Outside Magazine

* MSN reported us as the "Best College Town"
* Dateline NBC picked SLO as a "Top Place in the WORLD to Live"
* SLO was voted "Favorite Vacation Spot" by the LA Times
* We were revealed as the "Happiest Place on Earth" by ABC News

Have you figured out the magic word that makes SLO so desirable? It's the lifestyle. Living here is easy. Finding the perfect home should be too. If you want a piece of this paradise, it's as easy as calling San Luis Obispo's expert in homes. Traci Ferguson and her associates are hear to answer any of your Real Estate questions. On your next visit to San Luis Obispo, give us a call and let us help you.

For more visitor information:
San Luis Obispo Chamber of Commerce
SLO County Visitor's Guide
SLO Visitors Bureau

More SLO bragging rights:
Blog and Video about SLO
Segment from Oprah on NBC

Enjoy this walk down memory lane, circa 1949 in San Luis Obispo! It was wonderful then and has only gotten better!

---

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Paso Robles - Open House, 1759 Highland Park Drive, 11-3pm Sunday July 31st

2011-07-30T10:43:00.000-07:00

Paso Robles - Open House, 1759 Highland Park Drive, 11-3pm Sunday July 31st

Welcome to . . . 1759 Highland Park Drive, Paso Robles, CA 93446 . . . in beautiful San Luis Obispo's north county the gorgeous California Central Coast

This home is a classic beauty! The panoramic views from this home are the most spectacular in Paso Robles. This property is located in a very desirable hilltop area of Paso at the end of a cul-de-sac. Enjoy warm Summer nights on the wrap-around deck overlooking the City and foothills below. Indulge in the Almond Orchard and expansive open space on a 0.41 acre lot. This 2,600 sq.ft. private cozy home has all the amenities you need for a great family. Newer AC Unit and all appliances are included. The large family room and office space is perfect for working from home. There are lots of storage spaces throughout the home and the oversized garage is perfect for toys and tools. Make us any reasonable offer today on this classic beauty.

Priced at $550,000

Visit this website for more info and photos . . . www.1759HighlandPark.com or contact me today about a showing.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

San Luis Obispo Landscaper - AAA Landscaping

2011-07-27T12:11:00.000-07:00

San Luis Obispo Landscaper - AAA Landscaping

I recently met the owner of AAA Landscaping. Shawn Sousa a San Luis Obispo Landscaper that has been beautifying the Central Coast for years.

Landscaping can be a great way to beautify and add property value to your home. Living on the Central Coast we have a variety of low water usage plants to choose from. Watering can be expensive and using a reputable landscaper that can help with irrigation tips and tricks can keep your watering to a minimum. I was happy to find out that Shawn and his company are integrating Green Landscaping techniques, like previous pavers to allow rain water to go back into the ground as well as choosing drought tolerant landscaping that can save up to 80% on water usage.

AAA Landscaping prides itself on staying up with the most current low water use methods to irrigate homes. They offer full service Landscaping needs for you home or business.

Their Services Include:

Free Estimates
Interlocking Pavers
Retaining Walls
Irrigation Systems
Yard Maintenance
Sodding & Seeding
Aerating & Dethatching
Clean Ups
Tree Trimming

Call or email Shawn today to get an estimate of your next landscaping project. He will deliver professional service with a professional attitude.

AAA Landscaping

Shawn Sousa

(805) 748-3721
ssousa1@sbcglobal.net

If you need any additional referrals to great local businesses, please don't hesitate to call or email me with your request.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082
Patterson Realty

Refinancing Your San Luis Obispo Property...

2011-06-17T10:58:00.000-07:00

Refinancing Your San Luis Obispo Property...

San Luis home owners who missed the refinancing opportunity when rates were in the high 3%'s should consider refinancing in the next couple of months to lock in a lower rate. Interest rates are still at an all time low and the opportunity is presenting itself again!

Kevin Hauber, Senior Loan Consultant with iMortgage here in San Luis Obispo says;
"Current loan limits in San Luis Obispo County allow for high balance loans of up to $687,500 for conventional and FHA loans on one unit properties. Those limits will go down effective October 1st to $561,200. It is important for any buyers or those wishing to refinance with a loan amount between this new limit of $561,200 and the current limit of $687,500 to conclude their transactions before the change becomes effective. After that time, higher balances will be considered Jumbo loans and subject to different criteria and pricing."

For more info on Refinancing your San Luis home call Kevin Hauber (805) 597-8844

For more information or questions on Real Estate give Traci a call 805-235-6396 or email me.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
Patterson Realty
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

San Luis Obispo Historical Home for Sale !! - Deal of the Week

2011-06-16T20:29:00.000-07:00

San Luis Obispo Historical Home for Sale!! - Deal of the Week
Amazing Price for a Legendary historic Mill Street District Property - vintage California Architecture.

$975,000... 1307 Mill St, San Luis Obispo, CA 93401
Flier with detail

3-bedroom/ 2.5-bath
2,500 aprox. sq.ft.
0.27 Acre lot
2-Car Garage

This property recently got a dramatic $75,000 price drop. The seller is very motivated to sell this beautiful home.

Tray ceilings, stained glass, wood moldings and extensive built in cabinetry point to the craftsmanship that fill this iconic residence.

Expansive rooms with sun filled interiors. Warmth and grandeur describe this very special home located on one of San Luis Obispo's premier tree lined boulevards.

Mature landscaping and terraced hardscape make for endless outdoor living possibilities.

The precious yellow playhouse in the picture was designed by Julia Morgan and it shares residence on this oversized R2 lot.

A rare opportunity to own a piece of San Luis Obispo's history.
Contact me today to learn more about this Historical Piece of San Luis

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
Patterson Realty
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Fool Proof Tenant Screening Process

2011-04-11T10:57:00.001-07:00

Fool Proof Tenant Screening Process
I read Wallace's Blog post called "Trust but Verify..." about doing your due diligence on tenants. They may be feeding you a load while they are smiling your face. Do the home work on them and get the facts.

Her post got me going on my technique that I share with my clients when they are turning their home into a rental. I live in a College town and the demand for rentals is huge. But finding good tenants that are responsible is a big challenge. So I have come up with a rigorous screening process that weeds out the Riff-Raff. I have gotten exceptional tenants this way. I hope it will help others in their quest.

Here is my technique...
I price the room/house just below rental market rates to get a good buzz and get lots of calls.
I schedule a 1 Day Open house and set aside 15 min. appointments for tenants to show up. (None of this... " Can I come by now to see the room/ house?"... on their time. Take the upper hand and scheule time on your terms.the appointments makes the home seem special, like the velvet ropes at a nite club, it feels more exclusive and special. If they are late, they don't get to come in. See ya!

I require a rental application, I previously sent them online, to be completely filled out before the appointment. No form, no further conversation. Bye-Bye now!
If they jump through those 2 hoops I give them a quick tour of the home and realy talk to them. I ask personal questions, family history questions... it gives me insight into who they are as people. I will only rent to people I feel comfortable with. Trust your gut!
By then the 15 min are up, I tell them I will be checking their references and get back to them in 2 days. Typically I have 2-3 people that have made it through every hoop out of 10 and I make my choice.

The goal is to gage, integrity, time management and overall normalcy. It has been a very useful tool especially in a college town with a huge demand for great rentals. I know this works for family rentals as well. My intention is to share this and have others build on the concept. It has woked for me for over 10 years.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Arroyo Grande California Home For Sale

2011-03-23T22:54:00.000-07:00

Arroyo Grande California Home For Sale!
You want this Charming French Country Canyon Crest Estates Home! Located in Arroyo Grande on a premium lot with over $80K of interior improvements.

This warm 4bed/3bath home w/detached Office/Studio is perfect for entertaining & enjoying views of the Oceano Dunes, Huasna Valley & Ocean.

Welcoming red oak hardwood upstairs & custom tile floors downstairs creates a custom feel.

This 1/2 Acre property is located above the fog line so the home is bright & sunny.

Low maintenance custom designed Landscaping w/Extended View Decks, Paved Walks, Custom Stone Walls & Raised Flower Beds.

This Arroyo Grande home is offered at $850,000. It's easy to show and has sellers who are willing to work with your offer! Give me a call to day to schedule a showing of this Entertainers Dream home.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Move-Up Buyers In San Luis Obsipo

2011-02-17T22:23:00.000-08:00

Move-Up Buyers In San Luis Obsipo

In San Luis Obispo we have wonderful diversity of home styles, amenities and locations. You have the luxury of living on top of a mountain, the vast beauty of a low lying valley over looking vineyards or the privilege of living at or by the ocean. Our county offers a vast array of home buying possibilities to new and Moving-On-Up buyers.

Are you a Move-up buyer?
If you started out owning a 2 bedroom condo and now have the ability to purchase a larger home, you have the potential of being a move-up buyer. The definition is someone who owns a house, but wants to move into a bigger and better property. The Move-up is about growing your home buying expectations and taking a step up in home ownership.

What are the benefits?
One of the biggest benefits is low San Luis home prices. With interest rates and home prices being depressed the opportunity to buy more home for your dollar is a reality. All of this is relative. The facts are the house you are selling is not worth what it was at the peak of the market, but neither is that house you want to move up into. With the depressed costs for homes, you have the opportunity to buy more house now and reap the benefits of growing equity and your property value going up with time. A win win situation!

Ok!, lets do the math, easy math I promise:

So lets see if this is a good time to take advantage of the buying opportunities and if selling now and moving up might not be a bad idea to take advantage of.
As a first time home buyer you bought "Home-A" at the peak of the market it would have cost you $300K. If you were a move-up buyer and bought "Home-B" at the peak of the market it would have cost you $500K. The gap between the two prices is $200K. But if you bought "Home-A" at the down turn of the market it would cost you $270K and the cost for "Home-B" at the down turn of the market would have cost you $450K. The gap between the prices is $180K, a savings of $20K between buying at the peak of the market vs. the current downturn of the San Luis Obispo market.

So in this scenario you are getting more home for less money. This is the basic premise to why if you can "Move On Up" and buy a bigger home, now is the perfect time to do it. When prices are still low and Interest rates are under 6%.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

I Just Got Audited in San Luis Obispo!

2011-02-17T21:58:00.000-08:00

I Just Got Audited in San Luis Obispo!

Today our home got a Whole House Energy Audit. Thank you Try Spindler and Paul Manconi from Central Coast Green House who came to give us a free Home Energy Audit, paid for through PG&E. Our local non profit Sustainable organization, SLO Green Build, has set up this great offer to home owners to give free energy audits to show home owners where they can save money on their Heating, Cooling and Water usage. This is essential to saving monthly on your utility bills. The process involves numerous steps and took about 4 hours total.

A Blower Door fan was installed on the front door to negatively pressurize the home to test where air was leaking from. The biggest air leakers are windows, vents and air ducts. Even our light switches were leaking air. It's Crazy!

This Photo is of our ceiling vent. The thermal photo imagery shows that the vent is leaking cold air from the attic into the home and is wasting energy. Bad vent...bad!

Jamie Hendrickson from the local Mutual Water company came by to check for leaks in our toilets and the Gallons of water we use on average. The blue dye was put on the bowl to see if any water was leaking from under the lip of the bowl. She called it a "silent leak" that can cost you numerous dollars a year in added water costs.

Next week we will be getting the results of all of the testing to see how our home stacks up. They will also tell us where and how to improve the Energy Efficiency in our home and save on our Utility bills.
I can't wait!:)

To learn how you can get a free Energy Audit done on your home talk to your local green/ sustainable organizations or your Gas & Electric Companies. There are state and government incentives available to home owners. Or call your local Energy Auditors, they are about $450 for your home evaluation and well worth every penny. Heck, they may save you that much in utility bills.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

San Luis Obispo Condo for Sale!

2011-02-17T21:32:00.000-08:00

San Luis Obispo Condo for Sale!
Calling All Cal Poly Parents... This Condo on Exposition Drive is the perfect investment property for your Cal Poly incoming student or for you first time home buyers.

This clean end unit in the Convenient Woodbridge Condo Complex. It's a 2 bedroom 1-1/2 bath with just over 1,000sq.ft. It has a tiled living room fireplace with newer clean carpet throughout. This unit has additional windows as an end unit and is very private, with only one neighboring unit. Backyard Deck has a small exterior storage unit. The refrigerator, washer and dryer and water softener is included in the sale of the property. The unit has a single Car Garage and one designated parking space. This condo would make a great investment property or first home.

Click on condo to see the official website or give me a call or email Traci today to see this beautiful home.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Great Investment Property in Grover Beach... $489K for a Tri-Plex

2011-02-17T21:07:00.000-08:00

Great Investment Property in Grover Beach... $489K for a Tri-Plex

I have a listing in Grover Beach that is a great opportunity for any investor in San Luis Obispo.

Contemporary Grover Beach Tri-Plex! Units are 2-Bed, 1-Bath w/ 2car Garage. Each unit is separate from another, no adjoining walls. Units have high clear story windows with tons of natural light & generous living rooms. Live in one and rent out the other 2-units. Very strong rental area & below market rental rates. Coin-op laundry on-site. Seller also ownes the Tri-Plex next door and is also available for purchase. A current expense report is available on request. Seller intends on doing a 1031 exchange.

To see more photos click Tri-Plex. Or if you would like an expense report email Traci.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Great San Luis Obispo Title Sales Manager - Stacy Gregory!

2011-01-29T20:18:00.000-08:00

Great San Luis Obispo Title Sales Manager - Stacy Gregory!

Stacy Gregory is a County Sales Manager for First American Title Company in San Luis Obispo. Stacy has a positive attitude and is always ready to help with anything. Stacy has been a helpful part of my Real Estate team. She has helped me with no hesitation on getting information and helping me close deals with ease.

Stacy is approachable, eager to help and always open to new ideas to help agents be more efficient and help us get our job done faster. Thank you Stacy for all that you do and your commitment to being the best at what you do. I am grateful for it!

Contact Stacy today to help you get a great Title Officer on your side for you next Central Coast escrow.

First American Title Company
899 Pacific Street
San Luis Obispo, CA 93401
(805) 543-8900
(805) 471-6625 direct

If you ware looking to sell or buy a home in SLO County, give Traci a call.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Cost vs. Price - What higher interest Rates can do to your purchasne power

2011-01-27T10:02:00.000-08:00

Cost vs. Price in San Luis Obispo - What higher Interest Rates can do to your purchase power.

A good rule of thumb is for every 1% increase of interest rate there is a 10% decrease in purchase power. It's surprising to most buyers. This new year is going to bring many new opportunities to find a home. If you are still possibly considering a purchase you may want to know this very important particular bit of information.

The higher interest rates go, the less home you and your family will be able to afford, finance or purchase. If you were looking at property in the $500,000 range and interest rates were at 4.23% now they will eventually steadily be going up to 5.23%, meaning that if you wanted to keep your mortgage payment the same you would only be able to purchase a $450,000 home. Even with a 1/2% change in interest rate it can effect your purchase power greatly. I recommend getting back into finding a house as soon as possible to get the most house for your dollar, before interest rates go up and property prices stay the same.

Please see this example to show your buying power depending on what interest rate you lock your loan in at.

As a buyer it's vital to know your market and what options you have. I'm here to guide you through the process. If you have any questions about this I would be happy to explain it further.

If you are interested in looking for a home in the San Luis Obispo County area, please call me or email me I'd be happy to help.
Traci

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

San Luis Obispo is the Top Four Happiest Place in the World to live!

2011-01-26T15:54:00.000-08:00

San Luis Obispo is the Top Four Happiest Place in the World to live!

Our little town of San Luis Obispo is going to be on the Oprah Winfrey Show. It has been my home for over 13 years and I wouldn't trade my city in for anything.

Author Dan Buettner who wrote Thrive, by measuring and experiencing happiness day-to-day he found you could define happiness and pin point locations that had the most overall happiness qualities. He traveled all over the world to find the best places to live in the world and San Luis Obispo made the top four. We were the only US city to make the list. Happiest place in Europe was Denmark, Asia - Singapore and Nuevo Leon - Mexico.

Congrats! San Luis Obispo... see more about San Luis On Oprah!

Interested in moving or purchasing a home in our glorious City of San Luis Obispo? click here to see available homes. Or email me with any questions you have, I'm a great tour guide.

Click here to get a customized Free Home Search, just for you.
To view my other listings Click here.
Scroll down to the bottom of the page for listings on the Central Coast.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Your San Luis Obispo Business can help the planet!

2011-01-20T18:20:00.000-08:00

Your San Luis Obispo Business can help the planet!

If you are within the PG&E (Pacific Gas and Electric) jurisdiction your small business should be a member of ClimateSmart! I challenge all businesses, ecoBroker's, Green or Sustainable Business and Realtors to get on board.

What is ClimateSmart?
It's a simple voluntary and charitable program that gives your business the opportunity to take action against climate change by making your energy use "climate neutral". Many people feel that doing what you can as a business or home owner to reduce your carbon foot print is a priority. This is a small way that you can do it for just pennies.

What does it cost?
Typically the monthly cost for participation in the program is $0.00254 per kilowatt–hour for your electricity useage & $0.06528 per therm for gas usage, or about $5 a month for the typical Northern California home.

Is it deductible as a business expense?
The ClimateSmart Program is aslo tax deductible through the formation of the Climate Smart Charity. At the end of the year your recive a report of your total contributions which may be used for tax purposes. Register Online by going directly to the PG&E website or call Molly Hoyt 415-973-2847 for more information on how to participate

This is a valuable opportunity to communicate your commitment to environmentally responsible business practices and a commitment toward a cleaner planet.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Local Business - Doc Burnstein’s Ice Cream, Make your own flavor!

2011-01-20T11:21:00.000-08:00

Local Business - Doc Burnstein’s Ice Cream, Make your own flavor!

Doc's Ice Cream Lab is a great local business to explore your inner child, or bring your child.:) Every Week at Doc's the Ice Cream Lab technicians put on a show and make ice cream with your help.

The audience helps invent a new ice cream flavor during a 30-min skit. After the flavors have been put together you get to try it afterwards!! So fun.

The latest flavor creation was Crème Bru-licious a Creme Brulee Ice Cream, w/ Marshmallows, Chocolate Chips & Brownie Pieces. Created on January 19, 2011. Go to Doc Burnstein's website and print your free ticket to attend the next Show.

Doc Burnstein’s Ice Cream
114 W. Branch, Arroyo Grande CA
Weekly on Wednesday from 7 - 7:30 PM
805-474-4068 No Cover

If you need a sweet Realtor to buy or to sell your home, shoot me an email or give me a call, you can pay me in pints of Ice Cream.:)

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Reduce Your San Luis Obispo Property Tax Bill!

2011-01-20T10:53:00.000-08:00

Reduce Your San Luis Obispo Property Tax Bill!

Do you own a home in San Luis Obispo that has declined in property value? In California we live in a high property tax area and you can save a bundle by fighting your assessment. The County has been reassessing properties all over, but they haven't yet gotten to everyone. You can do something today to get your home reevaluated. Doing it yourself can seem like a daunting task, but there are easy steps to reduce your bill to a much more realistic value of your home, lot or condo.

Example
I love examples so here's one to give you a clear scenario:
Let's say you live in San Luis Obispo and the value of your home has reduced from $600,000 to $450,000. A huge drop! A reassessment of your bill could lower your annual bill from approximately $7,500 to $5,625, an annual savings of $1,875. That's two round trip tickets to Italy!

So now what?
SLO County has a website that walks you through the process. The "Decline in Property Value" Application is available to download and fill out. There is even a Decline in Value Estimator that can tell you if you are eligible for a reduction. You will need your 9-digit Assessment Parcel Number (APN) to do it. The Parcel number is on your annual property tax bill. You will also need to put in a fair market value of your home based on homes that have sold in your area recently. A Realtor can get you this number, email me if you need a more accurate number. Then it spits out your revised Assessed Value. Then fill out the "Decline in Property Value"form and get the county moving on your reassessment. Do wait till they do it, it could take years.

Options
If you aren't up for the task you can outsource the work to a local real estate lawyer or a property tax appeal expert. They will handle everything and charge 25%-50% of your first years tax savings. I recommend doing it your self, SLO County makes it simple to do.

I hope this is helpful and if you live in another California County or another State you can do this too. Many forms and resources online can assist you in being proactive with reassessments. I encourage you to do this as part of your new year resolution. Take the extra money and go an amazing vacation and send me a postcard.:)

Are you in the market to buy or to sell your home? Give me a call today!

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

A Great SLO County Loan Officer - Michael Hunstad!

2011-01-14T12:08:00.000-08:00

A Great SLO County Loan Officer - Michael Hunstad!

Today I would like to tell the world about Michael Hunstad. He's a Senior Mortgage Loan Officer in Santa Maria, CA for Guild Mortgage. I recently did a deal with Michael and his time and attention to finalizing our deal was amazing. His incredible staff returned calls and got answers to questions promptly. He was a great asset to the closing of my deal. As a Realtor it's a privilege to work with professionals that never get in the way of a deal and Michael and his staff did just that.
Thank you Michael.:)

If you are looking for a loan or would like to talk to a reputable loan officer give Michael a call 805-448-0348 or email him directly.

Guild Mortgage
2236 S. Broadway Suite B,
Santa Maria, CA 93455
805-448-0348

If you ware looking to sell or buy a home in SLO County, give Traci a call.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

1031 Exchange in San Luis Obispo - What Investors know!

2011-01-14T11:08:00.000-08:00

1031 Exchange in San Luis Obispo - What Investors Know!

When you own a home or business and you would like to sell your property and move into a larger home or buy investment property, there is a way you can save on taxes. That you should know.
Recently Jay Peet from Investment Property Exchange Services spoke to us about how a 1031 Exchange, works and how investors can save on transferring funds from one property to another.

What is a 1031 Exchange?
It's the exchange of property to a like kind property where any capital gains taxes would be deferred. There are rules and guidelines to follow depending on the type of property.

Jay spoke about the four aspects of a 1031 Exchange, the L.T.V.V. :

L - Like Kind: The sale of your property must be of like kind to the replacement property, meaning that they are both being held for investment purposes. You can't go from a sale of an investment property to a purchase of a primary residence.

T - Time Frame: When your escrow closes on the sale of your property the clock starts and the exchanger has 45 days to identify a replacement property and 180 days to close escrow on the identified property.

V - Vesting: Whoever is on title of the sold property will be on the title of the purchased property. The relinquished property must be the buyer on the replacement property.

V - Value: The exchanger must purchase the replacement property(s) using all the cash money from the sale of their relinquished property to defer 100% of the gain. If any of the cash is pulled out from the sale of the sold property that money would then be taxed. The purchase property must be equal to the net sales price of what they sold.

If you have any additional questions or would like help with a 1031 exchange, Contact Jay Peet 805-636-4944 jay.peet@ipx1031.com

If you would like to sell your San Luis Obispo investment property through a 1031 exchange, contact Traci for your buying and selling needs. I'd be happy to help.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Restaurant Month - Countywide in San Luis Obsipo

2011-01-08T21:32:00.000-08:00

Restaurant Month - Countywide in San Luis Obsipo

For 30 days in the month of January enjoy 3 Courses for just $30 a person. Enjoy incredible meals at a resonable price. Over 30 destination restaurants throughout SLO County offer a great deal to taste our county cuisine. Each participating local restaurant offers one fixed price three course meal for just thirty dollars per person. Many participating restaurants also offer special paired local wine choices, for an additional charge. SLO County has a large variety of premium restaurants, due to the growing local wine industry, and a vast array of locally grown fresh food. Visit the Restaurant Month Website for a complete list of participating restaurants & sample menus.
Participate in supporting our local businesses and restaurants today!

Date(s): Jan. 2nd – 31st, 2011 Recurring daily
Times: Dinner
Location: County Wide
Event City: County-Wide
Phone: 805.541.8000
Website: http://www.sanluisobispocounty.com/restaurantmonth

When you are ready to buy or sell your home in San Luis Obispo, contact Traci, your local expert.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Screaming Deal of the Week in Atascadero

2011-01-08T21:22:00.000-08:00

Screaming Deal of the Week in Atascadero!

This Short Sale is located at 8050 Atascadero Ave. for $279,000 This home is sheltered from weather in a forest-like grove of magnificent 100 year old oaks and pines. It is located in a desirable, family -friendly neighborhoods, with schools and parks near by. Atascadero Lake is just a short walk away.

This home exudes a warm and inviting atmosphere, with large windows, an authentic wood-burning stove and the feeling of living in a cottage in the woods.

The master suite addition features a large bedroom area with high cathedral ceilings and plenty of natural light. The bath has been well designed to pamper the residents and includes dual sinks with make-up vanity and separate tub and shower. The master suite could be converted into its own separate living unit (with a kitchen already plumbed into the large master suite closet). A second entrance has been framed in for a second street access. This 1,584sf, three bedroom, two full-bath home is located on a third-acre-plus lot, with unlimited possibilities for play, garden or expand.

FEATURES:

• Wooded setting
• 1584 square feet . . . 3 bedrooms . . . 2 full baths
• Cottage-like architecture
• Large windows throughout
• Master bath has dual sinks with make-up vanity and separate tub and shower
• Family-friendly neighborhood
• Located a short walk from Atascadero Lake and Pavilion, the lake has a walking path around it, park, zoo and ball park plus other points of interest.
Priced at $279,000

For more photos or information on the property email Traci or call the number below.

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Thai Talay - Local San Luis Obispo Business Spotlight!

2011-01-08T20:51:00.000-08:00

Thai Talay - Local San Luis Obispo Business Spotlight!

I have the pleasure to tell you all about an amazing local Thai Restaurant located in Pismo Beach CA., Thai Talay. I have been a big fan and a frequent patron for over five years. They have consistently been a delicious place to enjoy a great meal with friends or clients.

Thai Talay has recently added cooking classes, held once a month, at Thai Talay to give any budding chef the skills and points to being a great Thai cook at home. I had the pleasure of attending their first Cooking Class this past November. Head chef Jay, taught us how to make Panang Curry and Fresh Spring Rolls. Chef Jay was patient with her 20+ students and her sweet Thai accent was delightful and her humor made the event a true fun success. I highly recommend attending any or all of the classes. I look forward to the Thai Vegetable Carving class that will be special treat to watch and learn.

Their Thai Cooking Class Schedule is available on their website.

If you don't feel like doing the cooking, Thai Talay offers online delivery orders and catering for your special event all on their website. Now do your taste buds a favor and go enjoy an amazing meal at Thai Talay!

Thai Talay Restaurant
601 Price Street
Pismo Beach, CA 93449

P: 805.773.6162
F: 805.773.6750
E: info@thaitalay.com

Sunday - Thursday 11 a.m. to 9 p.m.
Friday - Saturday 11 a.m. to 10 p.m.

If you are looking to sell or buy property in Pismo Beach :) Contact Traci today!

"A Realtor that knows homes."

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com
License #01875751, ecoBroker #16082

Ian Parkinson our New San Luis Obispo Sheriff

2011-01-03T11:28:00.000-08:00

Ian Parkinson's official swearing-in ceremony - will be on Monday, January 3^rd at high noon at the County Government Center which is located at 1055 Monterey Street in San Luis Obispo. Join him for the ceremony and for light refreshments afterwards.

Ian has been the San Luis Police Captain and has stepped down to be the new city Sheriff. In recognition of his outstanding service, he was twice awarded the department's “Distinguished Service Award.” In 2004, Parkinson was awarded the City of San Luis Obispo Employee of the Year Award for his outstanding service to the City.

Click here for more information on our new Sheriff.

Click here if you are looking to buy or sell a home in San Luis County.

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com

San Luis Obispo Property - Deal Of the Week, Short Sale

2010-12-30T13:47:00.000-08:00

646-646 1/2 Caudill St, San Luis Obispo, CA 93401 - $459,000

This San Luis Obispo property is a Short Sale and is Two grandfathered 2 bedroom, 1 bath houses on one lot. Nicely landscaped front yard, rear fenced yard. Two single garages connected to back unit (one for each house). Newly painted, refinished hardwood floors. Perfect investment property and priced for multiple offers. Click here for more information and images. Contact Traci with any questions.

Traci Ferguson, REALTOR - San Luis Obispo
traci@traciferguson.com
(805) 235-6396, (888) OK-TRACI
http://www.traciferguson.com

Meathead Movers - Your San Luis Obispo Movers

2010-12-29T20:00:00.000-08:00

When you are looking to move after buying your first home or simply moving to the Central Coast, think of Meathead Movers to get your things moved safely and efficiently. As a Realtor in San Luis Obsipo, I proudly recommend them to my clients when they need a fast and reputable moving company. Meathead consists of a crew of professionally trained student-athlete movers.

Their additional services include; Concierge Service, Storage, On-Site Moving, Local & Long Distance Moving, Commercial Moving and Packing. Meathead understands the meaning of customer service. Moving is never fun but if you have to move, Meathead prides themselves on delivering the best possible moving experience to all of their clients.

They have been a fixture on the Central Coast for 13 years. With offices are all over California, you will be sure to get your things moved, hassle free. They have stores located in: San Luis Obispo County, Los Angeles County, Orange County, Santa Barbara County & Ventura County.

Need help Moving?

Meathead Headquarters

3600 South Higuera
San Luis Obispo, CA 93401

(866) THE-MEAT
http://www.meatheadmovers.com

Need help buying or selling a home?

Traci Ferguson, REALTOR - San Luis Obispo
traci@traciferguson.com
(805) 235-6396, (888) OK-TRACI
http://www.traciferguson.com

Annual Polar Bear Dip - Cayucos

2010-12-29T11:55:00.000-08:00

Here is a link to the festivities on Jan 1 2011.

Bring in the New Year by running into the ocean for the Annual Carlin Soule Memorial Polar Bear Dip in Cayucos! (Some in costume). For the brave/ insane and the people that love to watch. There is a certificate for each of the hundreds of people brave enough to participate.

Even if you just intend to watch, wear your bathing suit under your clothes and bring a towel - you just may decide to join in. (No wetsuits allowed - that's cheating.) This is the Annual Carlin Soule Memorial Polar Bear Dip. Festivities begin at 10 AM; all run into ocean as mass group at noon. Free certificates to all that take the plunge. (Most leave as mass group at 12:01, if not sooner.)

Times: 10 AM - 12:05 PM
Location: Cayucos Pier
Address: Downtown Cayucos
Event City: Cayucos
Phone: 805.995.1200
Sponsor: Cayucos Chamber of Commerce
Parking: Free on Street
Low Admission: Free

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com

What Income Should You Have to Get The Home You Want?

2010-12-28T23:54:00.000-08:00

Your level of income is only one piece of qualification puzzle when you are in the market for the home of your dreams. Lenders will review other things, such as your credit score and your total amount of debt, when considering you for a loan. Remember, your debt takes away a big part of your income. So even if you meet the lenders general guidelines for income level, you'll be denied if you are paying too much money toward your other debts (because you would have less money left over each month to put toward a mortgage payment).

There are a few factors, but you can use 30% as a rule of thumb. In other words, most lenders want your annual income to equal around 30% of your mortgage amount. So based on this rule of thumb, if you wanted to qualify for a mortgage loan of $300,000, you would need an annual income in the neighborhood of $90,000. If a married couple makes $45,000 each, they should qualify for a $300,000 loan. Your lender can work with your individual situation to get you the largest loan possible.
There are numerous types of loans and ways to qualify. Some first time buyer loans make it very easy to qualify with little money down. Some FHA loans require as little as 3-4% down payment.

It's important to shop around for loans and lenders. Large banks may offer different loan packages than smaller local banks or brokerages. It's important to shop for your loan and see what choices you have. Ask your Realtor for referrals to lenders in your area.

We strive to make it easy for you!
Visit my Mortgage Calculator page filled with additional information.
For more information about Real Estate on the Central Coast, please contact Traci Ferguson by E-mail or by phone directly at 805-235-6396.

Buying a Home in San Luis - Tax Benefits

2010-12-28T23:39:00.000-08:00

As a home buyer in SLO you have tax benefits that will save you money every year. Your mortgage interest and real estate taxes are tax deductible and anyone with a mortgage can enjoy this tax benefit.

During the early years of the home mortgage, most of your monthly repayments go towards your interest, with little payment towards the capital. Tax benefits are therefore very useful for first-time home buyers, especially during the early years of acquiring the mortgage. The early part of your mortgage payment is primarily paying on the interest of your loan. This interest payment is fully tax deductible. As you pay more on the amortized home mortgage over a longer time frame, more of each monthly payment goes towards paying the principle, and less towards interest. This means that with time, you lose some of your interest write-off as your equity in the property increases.

It is important for you to note that you can take these tax deductions if you change from standard deduction, which all tax payers are entitled to, to itemized deductions. In the case where your itemize deductions, including home mortgage interest and property taxes, do not exceed the standard deduction amount, it is better for you to take standard deduction.

The following three components of your home mortgage are tax deductible:

1. Interest on your home mortgage
2. Property taxes
3. Loan points for a purchase mortgage fully deductible in the year that they are paid. It is noteworthy that in refinance, the points are written off in increments over the term of a home mortgage. (See my blog post on When to pay down points)

We strive to make it easy for you!
Visit my Mortgage Calculator page filled with additional information.
For more information about Real Estate on the Central Coast, please contact Traci Ferguson by E-mail or by phone directly at 805-235-6396.

How Much Home Can I Afford?

2010-12-28T23:19:00.000-08:00

In San Luis Obispo home prices can be higher than the rest of the country. Knowing what you can afford on the income you make is vital to choosing the best property for you and your family. Not only do you factor in the cost of your mortgage, but additional costs such as annual Property Taxes, HOA Fees (for condos), property maintenance, down paymnet and your current debts. Once you can accurately asses your financials, you can work with your Realtor to find the perfect home in your price range.

As a broad generalization, most people can afford to purchase a house worth about three times their total (gross) annual income, assuming a 20% down payment and a moderate amount of other long-term debts, such as car or student loan payments. With no other debts, you can probably afford a house worth up to four or even five times your annual income.

We strive to make it easy for you!
For more information about Real Estate in San Luis Obispo County, please contact Traci Ferguson by E-mail or by phone directly at 805-235-6396.

Why Would You Pay Down Points?

2010-12-28T22:17:00.000-08:00

Paying Points
As a new home buyer you have to make many decisions. Buying a home can feel like a daunting task. As your real estate agent, I am here to guide you to get the information you need. You have many decisions to make including what is the best possible percentage rate can you get to keep your mortgage payment low. I have had some clients ask about points, what the benefits are and when is the best possible time to pay them.

Lets start with the definition:
The term points has multiple meanings in the mortgage world. Mortgage points can refer to loan origination fees (fees charged by the underwriter) or discount points (also known as loan discounts). Typically, a point is equal to 1% of the purchase price. By using a Mortgage Calculator you can see how paying money upfront to pay down your interest rate can lower your mortgage payment. The difference in savings over the life of the loan can make paying points a benefit to the borrower. Using a Mortgage Calculator can determine what and how many points you would need to pay down to get the interest rate and monthly payment you are looking for.

When should you pay down points?
If you intend to stay in your home for an extended period of time, it may be worthwhile to pay additional points in order to obtain a lower interest rate. The amount of money you save over an extended period of time will off set the upfront costs you made at the beginning. Paying points on a short term investment or residence doesn't make financial sense to do.

For more information, or to use my Mortgage Calculator, click here to begin. Or visit my website for additional Mortgage Calculators.

Traci Ferguson
805-235-6396
traci@tracifergsuon.com
http://www.traciferguson.com

Preparing your San Luis Obispo Home For Sale

2010-12-28T17:47:00.000-08:00

San Luis Obispo sellers that will be listing their home for Sale in 2011 will have the upper hand if they follow some simple tips when preparing their Home For Sale? As the new year approaches and I am getting inquires about listing property, the question has come up; "How do I get my home ready to put it on the market?"

Well you can watch a four minute video on my website, explaining how to prepare your home for sale.
Or see the list below to set your home up for the best possible chances for being sold first and impress any buyer.

1. First impressions are everything. What first impressions is your home giving? - If your yard, walkway and landscaping are over grown and need some trimming, get it done before buyers start coming by. Trim back hedges, rake the leaves and make the yard nice and neat.

2. What focal point can you enhance to build better curb appeal? If you have a large oak in your front yard or a beautiful rose garden, make sure they are showcased in the best possible way to appeal to buyers. Trim back hedges into tidy mounds. Also they may be blocking in natural sunlight that could be filtering back into rooms in the house.

3. What first impression is your front door or entry saying? Every buyer will judge your house in the first eight seconds.Give the front door a fresh coat of paint and update the hardware & new screen on the door to impress buyers. Pay attention to detail to make the home look as expensive as possible.

4. Where can you reap the most benefits on enticing a buyer? Kitchen and Bathrooms sell homes. In the kitchen, make simple changes by giving the cabinets a fresh coat of paint. Keep counter tops clear and clutter free. Don't leave out mail and personal items that others can see. You want the buyer to envision themselves in this house. It's hard to envision with personal photos and your stuff all over.

5. What simple things in the bathroom can you do? Freshen things up with a new coat of paint on the cabinets, re-grouting or re-glaze your bathtub. Keep the amount of items on the counter tops down to a minimum. If you are still living in the home, keep the toothpaste and toothbrushes away and take it out as you need them

6. What are buyers looking for in bedrooms? You want your bedrooms to feel bigger, so keep clothes and stuff off the floor. De-clutter and remove extra furniture so rooms feel bigger and give the impression of light and expansiveness. Clean rooms look bigger.

7. Where else can you catch a buyers eye? Linen Closets and overall attention to order and detail will give buyers the impression you keep your things tidy and the home is probably just as taken care of. Stacking towels neat and tidy go a long way. Remember to keep it simple if you are staging your property as well. Simple is Better!

These simple changes can add value to the overall sale of your home. You only have one time to make a first impression, make it the best possible impression you can.

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com

New Years Business Resolutions for 2011

2010-12-28T16:55:00.000-08:00

Starting out the new year with solid goals is like a fresh start to the entire year. My goal this year is to be more efficient with how I run my business in Real Estate and how I work with my San Luis Obispo buyers & sellers. As a Real Estate agent I need to stay focused and remind myself what is important in every day business life.

Below are thoughts about ways to be more efficient in Real Estate or any business you are in. Following these focus steps will lead you towards better efficiency and profitability in your business.

Resolve to create a profile of your ideal customer and stick to it. Figure out who you can best serve and use this understanding as a guide for determining who to work with and who to refer on.
Commit to working with only your ideal customers for this year. You'll feel happier and your business will be more joyful.
Promise yourself to make business decisions guided by your heart, head and finances. Too much of any one is not good but a little of all three can be very helpful when considering new opportunities or approaches.
Agree to let yourself be known. Get more comfortable with promoting yourself and your business and let people know who you are and what you do.
Tend to your current best customers and ask for referrals to more customers just like them. This is the fastest and easiest way to grow your business.
Freshen up your marketing strategies. Try a new marketing approach, especially if it makes you stretch. Keep yourself on the growing edge and keep refining your marketing.
Learn something new. Seeking out new knowledge and new methods can keep you feeling interested and enthusiastic even with the occasional ups and downs of business.
Master a positive mindset. Keep your mind free of self doubt, worry, or fear. You can achieve what you desire or else you wouldn't want it in the first place.
Ask for help. Allow others to mentor, guide, support and coach you to reach your goals. The journey is better when it's shared. And it's more likely you'll get there - with help, than on your own.
Savor your accomplishments. What's the point of continually achieving business milestones if you never savor the feeling of accomplishment? The more you enjoy your business success, the more success you will have to enjoy.

I wish you all the very best 2011. Let's make this year the most profitable and satisfying one yet.
Now go out and take over the world!
This is a re-post from Skip Reardon - Monday, December 20, 2010 - http://tinyurl.com/2e7q49p

Traci Ferguson
805-235-6396
traci@traciferguson.com
http://www.traciferguson.com

Buyer Resources - MLS Search San Luis Obispo

2010-12-24T12:24:00.000-08:00

MLS Search tools are the best way to look for homes for sale online in San Luis.

I have added a new MLS (Multiple Listing Service) feature to my site that will help you look at property in an easy way. My new "Real Estate Listings" Button is a helpful MLS tool to search all homes in San Luis Obispo County.

Go to http://www.traciferguson.com and click on the far right button, "Real Estate Listings" and begin your search for any type of property you are looking for. I can also set up a customized search for you. Get new up to date listings sent to your in box. Let me be your home resource for you and your family.

Traci Ferguson
805.235.6396
traci@traciferguson.com
http://www.traciferguson.com

Buyer Resources - Mortgage Calculator

2010-12-21T15:38:00.000-08:00

As a buyer in San Luis Obispo you need to have all the information you can to make an informed decision. My job is to help you get the information you need.

I recently have added a Mortgage Calculator to my site, and not just one type of mortgage calculator mind you!
When you go to my site, http://www.traciferguson.com and click on the center button," Real Estate Videos & Info" scroll down to Free Mortgage Calculator. Or click here to see a list of calculators available to you.

How much will my payments be?
How long will my mortgage last if I pay more every month?
How much income to qualify?
How much home can I afford?
Should I pay points?
Should I refinance?
What are the tax benefits of buying?
Standard vs. Bi-weekly
What is my APR?
Interest-Only Payment Calculator

If you are considering buying in San Luis check out my site and the Mortgage Calculator page.Get a feel for what your payments will be, know what to expect and how your money can work for you. If you have any questions or would like to discuss any of these calculators I would be happy to answer.

Traci Ferguson
805.235.6396
traci@traciferguson.com

Going Paperless in Real Estate

2010-12-19T20:51:00.000-08:00

As an ecoBroker and Realtor in San Luis Obispo I can be burdened by the cost of printing. The amount of paperwork needed to document and move a property through escrow can be surprising. It's not uncommon to print out over 200 pieces of paper for one transaction. I began to think for a way I could move through a transaction and minimize my use of paper. My personal challenge is to go paperless. These are the steps I'm taking.

Choose a PDF format
My computer's default printer is now set to save a PDF format document on my hard drive. Using this option makes me think twice about whether I need to print a hard copy or if a saved PDF image on the computer is appropriate. it's also eliminated the "oops" fact of printing something I didn't mean to print.

Use Digital Signatures
Using electronic signatures for my transactions is one of the greatest thing I have ever done. I'm saving paper, toner, gas and time on each transaction. My clients love it because it's easier and quicker to sign the documents. I don't have to worry about printing the initial document and copies to my clients are automatic.

Reuse Handouts
By creating a printout and laminating a sample transaction, which covered the purchase price, financing arrangement, closing costs, and any addenda that clients can use when they're reviewing the transaction on-screen. This will encourage them not to print a copy, as they can see the sample transaction in the laminated format. I'll even provide notes on the sample so that they can know what to look for when reviewing their transactions online. When we are done with the transaction. I'll ask for the laminated copy back so I can provide it to the next client.

Store Documents Electronically
Transaction management software provides a single storage place for all documents that are needed for any transaction. The benefit is the ability to generate a single CD at the transaction's completion, which can become my agent file. A second CD can be provided to clients for their records. A much better approach because no one ever looks at the mounds of closing documents after the transaction anyways.

No More Flyer Boxes
I'm going for a paperless marketing approach for my listed properties. There are numerous tools available to allow customers to get information via website, text, and phone from directly in front of a property. Using these tools will allow me to do a better job at capturing prospects' contact information and will ensure that there is never an empty flyer box at any of my listings. My clients will love knowing that potential buyers can get all the information they could possibly want, day or night, based on signage in the font yard.

I can feel good about structuring my business to go paperless, save some time, money and trees while doing it. Our digital age makes it so much easier to do this. Now everyone can use these resources to their advantage.

Traci Ferguson
805-235-6396
http://www.traciferguson.com

San Luis Obispo Downtown Home for Sale!

2010-12-11T08:01:00.000-08:00

Blocks from down town San Luis Obsipo, this home combines modern construction and features with classic, downtown San Luis style. Wood floors from the original structure have been utilized in the main home and a very clean studio over the garage has direct access from the alley as do all three garage spaces.

Click Here to see and learn more about this home.

MAIN HOME: A cathedral ceiling in the great room plus woodburning fireplace, slate hearth, hardwood flooring, and recessed lighting to help set the mood for gorgeous SLO living. There are dual-paned windows, decorator colors, beautiful cabinetry in the kitchen, along with a Fisher Paykal 5-burner gas cooktop, electric convection oven, large countertops and slate tile flooring.

Enjoy a home that boasts two suites! The master suite with walk-in closet and master bath also with dual vanities, plus separate shower and jetted tub . . . the guest suite, with its own full bath, has plenty of closet space and an extra bonus nook that offers extra furnishing possibilities!
The indoor laundry is an added convenience.

Click Here to see more of the interior of this home.

DETACHED STUDIO: The separate studio to the rear has its own balcony view deck, vaulted ceiling, wood flooring, custom and recessed lighting, kitchen, full bathroom, and large room for bedroom / living room / dining area.

The yard has privacy fencing and lots of gardening possibilities ... Bring your ideas for creating your own garden / entertainment haven. SLO’s perfect microclimate may serve your planting ideas well.
There is a fenced side yard off the main home offering privacy and an area for pets or playing.
This home includes a 3-car garage below the studio. Offered at $699,000

Click Here to see and learn more about this home. Or call me today to learn more 805.235.6396

San Luis Obsipo Real Estate - Power of Leverage

2010-12-02T20:53:00.000-08:00

Despite the recent correction in the housing market here in San Luis Obispo County, it's no secret that a real estate remains the greatest source of wealth creation nationwide. By using the power of leverage you can purchase a home and create long term wealth.

Leverage in the context of Real Estate means "borrowing money" and derives from the word "lever" which can be used to create a tremendous amount of force. How does leverage work in real estate?

Let's assume you purchase a home for $400K with 20% down payment ($80K) and the bank loans you the remaining 80% ($320K). The word lever, " leverage" is appropriate because, like the strength you gain by using a lever, you have gained more purchasing power by borrowing money. You essentially buy a $400K asset for just $80K. Of course, now you have to repay the bank, but here is where the power of leverage kicks in.

Let's assume that San Luis real estate continues on the same trajectory it has been on for the past 100 years and it gains in value 2% over the rate of inflation (this is the average of all the bubbles and recessions during that time frame). So just by living in your home and not including any improvements you may make, your investment creates $8K ($400K x 2%) of wealth in the first year alone. When measured against the original down payment, that's a 10% return on your cash investment ($8K/$80K = 10%) which is pretty hard to find these days.

Now, imagine that you live in your SLO home for 20 years, through the magic of interest compounding at an annual rate 2% that the same $8K will turn in to $194,379. After 30 years, the gain would be $324,545 plus, by then, you would have probably paid off the original principal balance.

All of this is made possible by leverage, which is the borrowing of money to make the purchase of a home possible. Of course, we all got carried away with the use of excessive leverage during the bubble, but now may be a great time to revisit the concept. You can continue to track what the market here in San Luis Obispo is doing by watching the numbers. But your best bet is to find a house that you will be happy in, make a significant down payment (at least 20%) and let the power of leverage and compound interest work for you.

Despite what the media says, real estate is still the greatest avenue towards life long wealth. News papers, media, and politicians are on the bandwagon to talk about the horrible housing market. Talks about a mortgage crisis and meltdowns are just a piece to what is truly happening in real estate today. They publicize the negative for their own gain to sell newspapers and skew the true perspective. The truth is that 30% of homes in the U.S. are owned free and clear. The media never talks about this. The majority of homes for sale are not Foreclosures or Short Sales. Bad news is something to talk about create fear and despair. Don't let them stop you from pursuing a future investment opportunity. The fact is the media has been doing this to the real estate market for decades.

Some quotes from our infamous media:

"The goal of owning a home seems to be getting beyond the reach of more and more Americans. The typical new house costs $28,000 dollars."
- Business Week 1969

"Housing experts predict price rises in the future won't be that great. The median price of a home today is approaching $50,000 dollars.
- National Business Review, New England 1977

"The golden age of risk free run ups in home prices is gone."

- Money Magazine 1985

"A home is where the bad investment is!"
- San Francisco Examiner 1996

I don't know about you, but I wish I had invested in real estate in San Francisco in 1996.:)

Shoot me an email to find out more how the power of leverage can work for you!
Click here to get a customized Free Home Search, just for you.
To view my other listings Click here.
Scroll down to the bottom of the page for listings on the Central Coast.

Traci Fergsuon
805-235-6396
traci@traciferguson.com

San Luis Obsipo Real Estate - Income Property Ideas!

2010-12-01T21:11:00.000-08:00

If you are a Real Estate Investor, own Rental Property or Commercial Property in San Luis Obispo; how can you increase the income you're getting from your property? Well, read below.

We are all looking for ways to increase income in our resent market conditions in San Luis County. Sometimes the possibilities are right in front of us. Take a moment and look at your commercial property or rental property with a new set of eyes, to see if you can spot any changes that could make you some extra rental income.

Sometimes owners of rental properties fail to see some obvious money making opportunities in their own buildings. I like to call these updates or changes to increase you income, " Revenue Enhancement Opportunities", for Example:

If you have an extra storage unit could it be converted to a better income unit than its current use? Could it be modified to an office space for a small business? It could have potential for rent in the hundreds of dollars a month.
Do you have a parking garage that has odd shaped corners that are not suitable for parking? Are there potential storage areas that could be rented out to tenants or small businesses?
Areas of a building that are used for centralized mechanical systems could be consolidated to add a small rentable space.
An area like an inside refuse area used for all tenants can be moved to the outside of the building. Freeing up that space to be built out to a small office, conference room or rented as storage.

Tour your San Luis Obispo income property with a new perspective to find additional income streams to build your revenue enhancement opportunities. There are numerous opportunities to add rental income without expensive additions to the property.

If you are looking for a rental property or an income opportunity, email me today to get a list of income producing properties for San Luis Obispo County. Or go to my website and fill in the Home Search form under my video page.

I'm "Your Realtor that Knows Homes".

San Luis Obispo - Investor Tip: Making it easier to buy a home!

2010-11-22T23:47:00.000-08:00

How can home buying be easier in San Luis Obispo?
In my last blog post I touched on the HomeStyle® Renovation Mortgage. A program available for home buyers or investors who need to make renovations to a home.

A HomeStyle Renovation Mortgage is available to buy or refinance a home (with up to four units) that you will live in as your primary residence.

Instead of financing the renovation with a second mortgage or home equity loan, you get the lower interest rates of a first mortgage and only have to pay for one mortgage closing. And with a HomeStyle Renovation Mortgage, you can borrow an amount based on the value of the home after the renovations are finished, so you know you will have the funds available to do the job right. For borrowers considering major home improvements, this option provides an effective and affordable way to leverage the future value of a home with a single-close first mortgage.

If you are an investor who is considering purchasing a property that is currently owned by Fannie Mae that is in need of a little work – the Fannie Mae Home Style renovation mortgage (a close cousin to the Fannie Mae HomePath renovation mortgage) is the loan program designed for you.
At closing, all funds for renovation will be escrowed in an interest-bearing account. After all renovation work is complete, any remaining funds in the escrow account will be used to pay down the principal balance of the mortgage.

If this is of interest to you, I can help with finding a Fannie Mae lender partner in your area and find Home Path Properties in the San Luis Obispo County Area. I have the tools and resources to get you a home today. Let me be your Realtor of choice.

I am also available via email for any questions you may have about this or any other program. I look forward to helping you make smart choices.

San Luis Obispo - Home Buyer Tip: Making it easier to buy a home!

2010-11-21T10:10:00.000-08:00

How can home buying be easier in San Luis Obispo?
Well Fannie Mae and Freddie Mac; the two largest purchasers of home loans, set the standards under which they will purchase loans from banks and mortgage companies. They have set up a program to reduce their growing inventory of nearly 1,500 Foreclosed homes called HomePath®

So what's in it for buyers? The benefits include:

Reduced Home Prices
Low down payment and flexible mortgage terms (fixed-rate, adjustable-rate, or interest-only)
You may qualify even if your credit is less than perfect
Available to both owner occupiers and investors*
Down payment (at least 3 percent) can be funded by your own savings; a gift; a grant; or a loan from a nonprofit organization, state or local government, or employer
No mortgage insurance (Typically if you don't put down 20%, you would need it.)
No appraisal fees
Also eligible for HomePath® Renovation Mortgage*
HomePath® Mortgage financing is available from a variety of lenders - both local and national.

*If you're an investor interested in renovating a property in San Luis County, you may qualify for financing under our HomeStyle® Renovation Mortgage product. See my next Blog Post explaining this option.

Currently there are 3 homes available under this program in the city of San Luis Obispo. There are many more in other neighboring cities. Email me today to get a list of homes that qualify in your area. Take advantage of a government program that helps you purchase at bargain prices and extremely low interest rates.

This is just another way to learn and be smart about Real Estate with me at your side. For any of your home buying needs look to a Realtor that Knows Homes in SLO County.

San Luis Obsipo Home Energy Rating System (HERS), New for Buyers!

2010-11-20T22:59:00.000-08:00

In San Luis Obsipo we have homes that are Green and made from Sustainable building materials.
The California Energy Commission has released the New Home Energy Rating System (HERS) Booklet. As an ecoBroker®, I am familiar with these homes and they typically have lower energy costs and utility bills, depending on what energy efficiency methods were used on the home.

As a new home owner looking to buy, what information on energy usage can you get for a home you're interested in purchasing? We'll there are new options open to you. The California Energy Commission has released the New Home Energy Rating System (HERS) Booklet.

Why is this GREAT?
1. Well you now have options to add energy efficient improvements at the time of sale. Improvements are completed through escrow and you move in with the new Energy Efficient features already in place.

2. There are options for financing energy efficient improvements and it explains where to find tax credits and rebate information. As your EcoBroker I can also help you with this as an option.

3. You can request utility bills from the existing owner to learn more about what to expect from your future home utility costs, make improvements and make the home more efficient before you move in.

This HERS Booklet is not a mandatory part of escrow or disclosures by an Realtor, but it will be a part of the mandatory Combined Hazards Booklet. As your ecoBroker I have the inside scoop on how to effectively gain more knowledge and put more money back into the buyers pocket through monthly utility savings.

If you are interested in moving or purchasing a home in our glorious City of San Luis Obispo, click here to see available homes. Or email me with any questions you have.

Click here to get a customized Free Home Search, just for you.
To view my other listings Click here.
Scroll down to the bottom of the page for listings on the Central Coast.

San Luis Obispo - Top Four Happiest Place in the World to live!

2010-11-13T11:50:00.000-08:00

I love living in San Luis Obispo. It has been my home for over 13 years and I woudln't trade my city in for anything.

According to Dan Buettner who wrote the book Thrive, by measuring and experiencing happiness day to day he found he could define happiness and pin point locations that had the most overall happiness qualities. He traveled all over the world to find the best places to live in the world and San Luis Obispo made the top four. We were the only US city to make the list. Happiest place in Europe was Denmark, Asia - Singapore and Nuevo Leon - Mexico.

ABC news has a short clip on the interview with Dan and the top four cities that made the happiness list.

If you are interested in moving or purchasing a home in our glorious City of San Luis Obispo, click here to see available homes. Or email me with any questions you have, I'm a great tour guide.

Click here to get a customized Free Home Search, just for you.
To view my other listings Click here.
Scroll down to the bottom of the page for listings on the Central Coast.

The "First Time Home Buyer" definition, may suprize you!

2010-11-08T17:47:00.000-08:00

A First Time Home Buyer is not what it seems to define. You would assume the phrase is what it is. But in fact, according to the IRS, anyone who hasn't purchased a home in the past two years would now qualify under the term, "First Time Home Buyer".

Definition: According to the IRS, you qualify as a first-time home buyer:

"if you had no present interest in a main home during the 2-year period ending on the date of acquisition of the home which the distribution is being used to buy, build, or rebuild. If you are married, your spouse must also meet this no-ownership requirement."

Why is this a big deal? Because the government gives first time home buyers deals and breaks that allow for them to buy a home easier than someone who has purchased a home in two years. One of FHA's (Federal Housing Administration) highest priorities is to assist home-buyers with the purchase of their first home. Government programs like HUD/ FHA, are built to accommodate the new buyer with better affordability and qualify for a home. It's a stimulus of sorts to encourage people who would like to buy but think they need 20% down to qualify. Many of these programs only require 3-5% as a down payment to qualify with average to good credit scores.

So now all of you out there that haven't purchased a home in the past two years, you are sitting on a great opportunity to purchase a home at the bottom of the market with record low interest rates.

Click here to get a customized Free Home Search, just for you.

Give me a call today or email me. I'd love to find your first home!
805-235-6396

First Time Home Buyers Tips_San Luis Obispo

2010-11-08T16:28:00.000-08:00

As a first time home buyer don't let information overload get the best of you! Today I want to share some tips to keep you focused and motivated to find your first home in San Luis Obispo with ease.

Defining your search Parameters as a First Time Home Buyer

Begin on the Internet. Learn about the neighborhoods you like and can see yourself living in. With just a few clicks of the mouse, you can search through hundreds of neighborhoods and homes, view virtual tours, sort through dozens of photographs and aerial shots. Once you've found the location in San Luis Obispo County, call me to get a list of homes in the area you like. I can send you a detailed list of Condos/ Homes/ Townhomes/ Land, to begin your search for your first home. Click here to get a customized Free Home Search, just for you.

How Long Should It Take to Buy Your First Home?

A motivated first time home buyer will find a home within two weeks. I'll listen to your wants, needs and arrange to show only those homes that fit your particular parameters. I'll also preview the homes before showing them to you. My job is to not waste your time looking at every home out there, just the homes that fit your needs.

Rate the homes you've seen:

Bring a digital camera and begin each series of photos with a close-up of the house number to identify each home and take photos of the interior an exterior of the parts you want to remember.
Take detailed notes of unusual features, colors and design elements. (Ask me for your own "Home Search Sheet" to keep track and stay organized.)
Pay attention to the neighborhood surroundings. What's next door? Do 2-story homes tower over your single story?
Do you like the location? Is it near a park or a power plant?
Immediately after leaving, rate each home on a scale of 1 to 10, with 10 being the best.

Take a Second look at your top choices:

Once you have toured homes for a couple of weeks, revisit your top three. You will instinctively know which homes are perfect for you. Request to go back to the home and see it with a new set of eyes, you will always see new items you didn't see the first go-around. Be discriminating and rate the home again from 1-10 with 10 being the best. Ask yourself, "Is this the home for me? Does it meet all my needs?

Making a home selection:

In the end you make the home selection on your own. As your Realtor I will guide you through the pros and cons of the homes you've seen and liked, but I will not steer you into picking a certain home. I want you to pick with out any interference from me. My job is to make sure you feel confident about the home choice you have made and the home meets your needs.

So this is what you can expect from your home buying experience with me. It doesn't need to be overwhelming or difficult. The plan above will help you through the easiest home buying experience possible. I'm here to help you through it! Click here to get a customized Free Home Search, just for you. Or sign up on my website to get my new Book; Real Estate Made Simple, Primarily for the First Time Home Buyer, By Traci Ferguson. It will be out at the end of Feb 2011.

Give me a call today or email me. I'd love to find your first home!
805-235-6396

San Luis Obsipo Condos for First Time Home Owners

2010-11-07T12:45:00.000-08:00

Condos in San Luis Obispo are always for sale, but according to local Real Estate Sales the condo market is at it's hottest between the months of January till the end of May. In fact, roughly 90% of all condos go into escrow during this time frame.

So if your thinking of buying a condo in the near future know that your largest inventory and best time to buy is just around the corner. Interest rates are still low and first time home buyer programs make Condos a great investment for the future with very little down. FHA programs only need 3% down making it very affordable either as a personal residence or as an investment property.

I bought a three bedroom Condo while I was going to Cal Poly SLO in 1998, I rented the other 2 rooms out and my mortgage was almost paid for from the rent of my two housemates. Today the home is an income property and still has Cal Poly renters, it pays for itself and then some.

If you're a first time home buyer and have questions about how much down payment you would need for a Condo or Home, I'm here to be your resource. Condos are not complicated or tricky. They give you the flexibility of being a home owner with less maintenance to worry about like yard work, maintaining the exterior paint and roof; typically paid with your home owners fees.

Let's talk about if it is the right fit for you; traci@tracifergsuon.com
Give me a call or email me today to learn more!

Click here for San Luis Obispo Condos currently on the market
If you're looking for a condo in San Luis Obispo County email or call me today!
805-235-6396

San Luis Obispo-Custom Contemporary Green Home

2010-11-03T11:31:00.000-07:00

Custom contemporary green home in San Luis Obispo, newly remodeled and is a must see!

From the exterior to the interior the theme is sustainable living for the modern lifestyle.
This San Luis Obispo home has an open floor plan with over 2,000 sq.ft., 3 bedrooms and 2 amazing bathrooms. The elevated views of the East San Luis Mountains are framed in large floor to ceiling dual pane low-E windows. These large windows bring in tons of amazing natural light, lowering your energy use during the day. The finishes of the home are sustainable and green. From the solid bamboo flooring, steel cable railings, low-VOC paint on the walls and Brazilian Ipe wood on the decking. The Brazilian Ipe was also used as an exterior finish at the front of the home, creating a warm wood horizontal texture for incredible curb appeal.

Energy efficiency is also part of the sustainable theme to this home. Brand new heating and plumbing systems with a hot water booster heater, saves on daily water and energy use. The completely remodeled bathrooms have low-flow plumbing fixtures, recycled glass shower tiles and slate flooring. The contemporary kitchen amenities include ENERGY STAR® kitchen appliances, concrete counter tops with plenty of storage and pantry space.

The native landscaping, surrounding the 6,969 sq.ft. lot, is drought tolerant and filled with mature plantings. The backyard has an additional Ipe deck that opens up to a lush play area or gathering space. Perfect for back yard BBQ's or catching some sun.

The neighborhood amenities are too numerous to list. You are within walking and biking distance to major transportation, farmers markets, dining and the heart of Central Coast living; Downtown San Luis Obsipo.

As your Certified ecoBroker. I'm here to help you with finding the perfect SLO ecoHome of your dreams. EMAIL me TODAY for homes in your area or more in formation on this amazing home.

To learn the details of the property Call me.
To view my other listings Click here.
Scroll down to the bottom of the page for listings on the Central Coast.

San Luis Obispo Luxury Home-Central Coast

2010-11-01T21:52:00.000-07:00

No San Luis Obsipo home is quite like this!
This Central Coast Mediterranean inspired high end custom home was designed by local San Luis Obsipo Architect Bill Isaman. It's spacious 4-bed, 3.5-bath, 4,500 sq.ft. open plan, sits on 1 Acre. It has incredible Architectural detailing and wonderful use of light & space. The gourmet kitchen has tons of natural light & prep space, perfect for entertaining and large parties in the kitchen. There is a guest suite w/bath downstairs. Beautiful Master Suite w/ fire place has a view of the San Luis Mountains. The upstairs also has an office, 2 bedrooms and playroom. The large back patio is perfect for outdoor dining and events. Photos were taken by a San Luis local Photographer Dennis Swanson, Studio101West Photography.

This home is a Short Sale and is currently under contract. No further offers will be accepted.

To view the Details of the property Click here.
To view my other listings Click here.
Scroll down to the bottom of the page for listings on the Central Coast.

San Luis Obispo-New Condo Homes for Sale - Deal of the week

2010-10-30T15:57:00.000-07:00

Central Coast of San Luis Obispo offers up some brand new condos. New 2 & 3 bedroom townhomes with up to 1,568 square feet, complemented by a fully-furnished Clubhouse/Fitness Center, walking trails, meditation gardens, and seasonal streams just minutes from downtown San Luis, next to local transportation, parks, tot-lot, fitness center, clubhouse & neighborhood amenities.

Laurel Creek combines the charm of San Luis Obispo with the convenience of living just a few minutes to downtown. And it's perfect for those now renting, who can take advantage of all the benefits of home ownership at a cost comparable to what you may now be paying for apartment rent.

This stunning community of townhomes offers a distinctive selection of floor plans and eclectic architectural styles. Each Laurel Creek home has been thoughtfully designed to take advantage of the garden views and mountain ranges that make San Luis Obispo such a special place to live.

They are located at Laurel Creek off of Orcutt. They have new and improved floor plans (four styles to choose from). All starting at $296,900; a steal for San Luis Obispo homes. They are FHA & VA approved, so you can put down as little as 3%. 0% down for a VA loan. Give me a call to see if you qualify 805-235-6396.

This San Luis Obispo Deal of the Week, is very affordable for parents looking to find housing for their college students. It's also a great Investment opportunity for the long term, while San Luis Obispo home prices are low and loan prices are lower than they've been for 40 years.

I'm the expert on these SLO Condos and I'm here to answer any questions you have. Email me or call me today with your questions.

To view the Details of the property Click here.
To view my other listings Click here.

Scroll down to the bottom of the page for listings on the Central Coast.

Shell Beach - Central Coast Exclusive View Property

2010-10-27T16:03:00.000-07:00

Shell Beach, Central Coast Lot with ocean front views on the bluffs. Located in the Bluffs development in Shell Beach, this 3 acre property overlooks a pristine ocean cove and the entire Central Coast line from Avila Beach to Santa Maria's Point Sal. It has an amazing 180 degree unobstructed view of the ocean. The location and the views are what make this property very exclusive.

As a Realtor I see many properties and there are very few that are as unique as this lot. It is adjacent to acres of open space and situated in a gated development of 21 multi-million dollar homes.

To view this Shell Beach property details click here.
To view my other listings click here.
Or call Traci at 805.235.6396. I look forward to helping you with your Real Estate needs.
Scroll down to the bottom of the page for listings on the Central Coast.

Photo #1- Gated Entry to the Bluffs Lot

Photo #2 - View from the lot looking down at the Central Coast Ocean and Avila Bay.

Photo #3 -View from the lot looking at Shell Beach

Central Coast Custom Home Sites - Las Ventanas

2010-10-22T15:43:00.000-07:00

Central Coast Custom Home Sites

This new prestigious community is located just minutes from the Village of Arroyo Grande, nine miles from San Luis Obispo, eight miles to Pismo Beach and close to the wineries of the Central Coast. Las Ventanas features 56 home sites within over 4,000 acres of protected open space.

The home sites are clustered among oak woodlands, rolling hills, panoramic views of the mountains, Talley Farms and Talley Vineyard. Price ranges start from the low $300,000, for two to three acre parcels.

Email me to get more information on these beautiful Lots.
Scroll down to the bottom of the page for listings on the Central Coast.

Atascadero Lot with Amazing Views - Rare 1.6 acre Property!

2010-10-22T14:36:00.000-07:00

Build your dream home on this Atascadero View Lot!!! It's located only a half mile to HWY-101 and minutes to major shopping. As the listing Realtor, I did something out-of-the-box to market this lot listing.
I created two marked walking trails that guide you to four possible building sites. I want any potential buyer to envision the location of their home and see the incredible views. This Atascadero lot is a 20 minute drive from San Luis Obispo, located in a great family friendly neighborhood.
Take a hike, to see the potential of this great Atascadero property located on the Central Coast.

To learn about other ways I think outside of the box check out my website.
Scroll down to the bottom of the page for listings on the Central Coast.

Lompoc-Vandenberg Village Home Video Tour

2010-10-13T10:34:00.000-07:00

Please view this high quality Real Estate Video in Vandenberg Village. On the Central Coast, near Lompoc, you'll find this upper scale community nestled in near a nature preserve and Golf Course. This family oriented neighborhood, is located between Santa Barbara, San Luis Obispo and Santa Ynez.

Enjoy the video. If you have any questions, please contact Traci at 805-235-6396. This is an example of the polish I can provide as your Real Estate Agent listing your home.

Scroll down to the bottom of the page for listings on the Central Coast.

Your Central Coast Real Estate Agent Video - Realtor San Luis Obispo County

2010-10-06T17:45:00.000-07:00

"Traci Ferguson is a Realtor that knows homes. http://www.TraciFerguson.com

With a degree in Architecture, having a career in design, being a LEEP AP and ecoBroker, you are in good hands with a realtor with true professional experience in homes. If you are looking to buy or sell real estate along the central coast of California, give Traci a call today!"

These are just some of the words in my new promo video. Please take a look and enjoy the show!

(You can watch this in HD on YouTube - http://www.youtube.com/watch?v=f9tPJRqVFO0)

If you know of anyone looking to buy or sell, please consider showing them my real estate website and promo. In addition, I can be reached at (805) 235-6396. Referrals are appreciated.

I look forward to making a big difference in your real estate experience!

Are you on the Home Buying Grid?

2010-08-25T21:14:00.000-07:00

Did you know you could afford your own home?
I know what you are thinking, NO WAY! I don't make enough money!

As a Real Estate resource to my clients and friends, I have put together a scenario that will illustrate how I believe you too can live the American dream and be a home owner.

To buy a $200,000 home you would need to make $55K annually for a 32% housing ratio. The housing ratio is the percentage you spend on your housing costs. $55K annual income can be between a couple making $13.25 an hour each, or $26.50 an hour for a single person.
I just did a search for Homes/Condos/PUD properties under $200,000 in SLO County and came up with 88 of them. Get yourself and your family started on one of the best investments around, a home purchase. Ask me about the great programs that can help you get into your own home with as little as 3% down in some cases.

This moment in our economy is a turning point in housing for all of us. In front of us is an opportunity to live the American Dream and be a part of the best investment that you can possibly make, long term. The decline in Interest Rates and Housing prices have opened the door to a new group of working class people that CAN afford to buy their first home.

Call me to see how I can be your guide: Traci 805-235-6396

Central Coast Real Estate Tips | Search Listings

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Refinancing Your San Luis Obispo Property...

San Luis Obispo Historical Home for Sale !! - Deal of the Week

Top 3 San Luis Obispo Buyer Questions

Fool Proof Tenant Screening Process

Arroyo Grande California Home For Sale

Move-Up Buyers In San Luis Obsipo

I Just Got Audited in San Luis Obispo!

San Luis Obispo Condo for Sale!

Great Investment Property in Grover Beach... $489K for a Tri-Plex

Great San Luis Obispo Title Sales Manager - Stacy Gregory!

Cost vs. Price - What higher interest Rates can do to your purchasne power

San Luis Obispo is the Top Four Happiest Place in the World to live!

Your San Luis Obispo Business can help the planet!

Local Business - Doc Burnstein’s Ice Cream, Make your own flavor!

Reduce Your San Luis Obispo Property Tax Bill!

A Great SLO County Loan Officer - Michael Hunstad!

1031 Exchange in San Luis Obispo - What Investors know!

Restaurant Month - Countywide in San Luis Obsipo

Screaming Deal of the Week in Atascadero

Thai Talay - Local San Luis Obispo Business Spotlight!

Ian Parkinson our New San Luis Obispo Sheriff

San Luis Obispo Property - Deal Of the Week, Short Sale

Meathead Movers - Your San Luis Obispo Movers

Meathead Headquarters

Annual Polar Bear Dip - Cayucos

What Income Should You Have to Get The Home You Want?

Buying a Home in San Luis - Tax Benefits

How Much Home Can I Afford?

Why Would You Pay Down Points?

Preparing your San Luis Obispo Home For Sale

New Years Business Resolutions for 2011

Buyer Resources - MLS Search San Luis Obispo

Buyer Resources - Mortgage Calculator

Going Paperless in Real Estate

San Luis Obispo Downtown Home for Sale!

San Luis Obsipo Real Estate - Power of Leverage

San Luis Obsipo Real Estate - Income Property Ideas!

San Luis Obispo - Investor Tip: Making it easier to buy a home!

San Luis Obispo - Home Buyer Tip: Making it easier to buy a home!

San Luis Obsipo Home Energy Rating System (HERS), New for Buyers!

San Luis Obispo - Top Four Happiest Place in the World to live!

The "First Time Home Buyer" definition, may suprize you!

First Time Home Buyers Tips_San Luis Obispo

As a first time home buyer don't let information overload get the best of you! Today I want to share some tips to keep you focused and motivated to find your first home in San Luis Obispo with ease.

Defining your search Parameters as a First Time Home Buyer

How Long Should It Take to Buy Your First Home?

Take a Second look at your top choices:

San Luis Obsipo Condos for First Time Home Owners

San Luis Obispo-Custom Contemporary Green Home

San Luis Obispo Luxury Home-Central Coast

San Luis Obispo-New Condo Homes for Sale - Deal of the week

Shell Beach - Central Coast Exclusive View Property

Central Coast Custom Home Sites - Las Ventanas

Central Coast Custom Home Sites

Atascadero Lot with Amazing Views - Rare 1.6 acre Property!

Lompoc-Vandenberg Village Home Video Tour

Your Central Coast Real Estate Agent Video - Realtor San Luis Obispo County

Are you on the Home Buying Grid?