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Author Archives: Jennifer Roberts-Darcel

    Living the Dream: The Value of Homeownership

    By Jennifer Roberts-Darcel | June 14, 2024

    Owning a home has long been considered a fundamental part of the American dream. It represents far more than just having a place to live—it embodies values, aspirations, and a sense of security. Here’s why homeownership is widely regarded as a key component of the American dream: Stability and Roots: Owning a home provides a... Read More

    How to get a lower rate and a lower price

    By Jennifer Roberts-Darcel | June 7, 2024

    Are you in the market for a new home and wondering which mortgage option is right for you? While the world of home financing offers a surplus of choices, one option often overlooked is the Adjustable Rate Mortgage, or ARM. If you’re in a market where interest rates are trending lower, an ARM could be... Read More

    Transform your home into a showstopper with the power of staging!

    By Jennifer Roberts-Darcel | May 23, 2024

    Imagine looking around your home and wondering how you can make it shine during those crucial showings. The answer is simple: staging! It’s a powerful tool that can transform your property and raise its appeal. Your online listing photos serve as the initial showcase for potential buyers. Staging plays a crucial role in enhancing these... Read More

    Baby Boomers’ Wave to Downsize

    By Jennifer Roberts-Darcel | April 19, 2024

    As the first groups of baby boomers gracefully rides the wave of aging, they are setting new trends in the housing market, giving birth to what experts fondly refer to as the “Silver Tsunami.” This phenomenon is not merely about a change in address; it’s a lifestyle transformation tailored to meet the unique needs of... Read More

    Keep More Profits from Home Sales

    By Jennifer Roberts-Darcel | April 8, 2024

    In recent years, home values have soared, presenting an opportunity for homeowners with substantial equity to consider a unique tax benefit. Section 121 in the IRS code allows for homeowners who meet certain requirements to exclude up to $500,000 of capital gain on the sale of their principal residence.  Single or married taxpayers filing separately can... Read More

    Breaking Down the 20% Down Payment Myth

    By Jennifer Roberts-Darcel | March 19, 2024

    For years, the 20% down payment has been touted as the golden standard in real estate transactions. This belief has deterred many potential homeowners, particularly first-time buyers, from even considering entering the market. It’s time to set the record straight and open the doors to the beautiful condos and homes in downtown San Diego for... Read More

    Adapting to Life’s New Chapters

    By Jennifer Roberts-Darcel | March 13, 2024

    Navigating through life’s major milestones often brings about significant changes, particularly when it comes to where we call home. Initially, our residences might align perfectly with our needs, but as life unfolds, what once seemed ideal may no longer serve us as well. This realization often prompts the contemplation of a move, a decision influenced... Read More

    Downtown San Diego 2024: Innovation and Luxury Upgrades

    By Jennifer Roberts-Darcel | March 6, 2024

    Welcome to the heart of urban paradise! Downtown San Diego is undergoing a transformation, positioning itself as a beacon of luxury, innovation, and lifestyle within the vibrant Southern California landscape. As a premier destination for buying a home in San Diego, the downtown area is not just about the stunning waterfront and bustling business district;... Read More

    The Relationship Between Homeownership and Net Worth

    By Jennifer Roberts-Darcel | February 28, 2024

    During the span between 2019 and 2022, the COVID-19 pandemic significantly disrupted both society and economic activities. Nevertheless, the latest Survey of Consumer Finance, which has recently been unveiled, highlights widespread enhancements in the financial well-being of American families during this timeframe, especially concerning their net worth. The median net worth of homeowners increased 37%, after... Read More

    Understanding Credit Life Insurance for Home Buyers

    By Jennifer Roberts-Darcel | February 26, 2024

    Credit life insurance is a specialized type of insurance designed to provide financial protection for borrowers and their families in the event of the borrower’s untimely death. This insurance is often associated with loans, including mortgages, and is specifically tied to the outstanding balance of the loan. In the case of a home purchase, credit... Read More