Albert Garza with Big Block Realty

Expectations v Reality.

If you have questions about a home loan. If it’s for purchase, refi, rental property. Glenda Meyer is and has been my go to lender for years. She has helped many of of family and friends. I had a client reach out with a question about their north. I referred them over and now they are saving almost $400 a month in their mortgage. If you have any questions about getting a loan please message me or Glenda.

Congratulations to my sellers they just accepted a full price offer on their condo. Great way to start off the year!

Our First Annual Ugly Christmas Sweater Competition. We raided the dollar store and had a great time making these fun sweaters.

Amazing Alpine home $960,000 3 bed 2.5 bath (optional 4th bedroom) with pool and spa, 2714 sqft on 3.46 acres w/NO HOA or Mello Roos. Built 2014 this exclusive, move in ready, Alpine Ranch Estate has all the upgrades for a perfect family resort style dream. 3 car garage, large driveway, plenty of room for RV parking. Call me if you have any questions or want to schedule a showing... Albert Garza 619-647-4255 Big Block Realty DRE 02005765 https://albertgarza.sdhomesearch.net/details.php

Who what’s what. Chicken, beef, or shrimp. If your nice I’ll go fancy and grab some with the Chile and limon flavors.

The one resolution I think I can keep! #ketsride #sandiego #sandiegoharleydavidson #softaildeluxe

Next year Christmas partyI’m ready. Got my sweater!

3 bed (optional 4th) 2.5 bath 3 car garage 3.46 acres. Amazing home in Alpine.Great views. large open space in a great neighborhood. If your looking for a great home please give me a call we can get you in for a showing.... Albert 619-647-4255 https://albertgarza.sdhomesearch.net//32-200053963-570-N-N

I want to make this!!!

New Listing in Sabre Springs! 2 bed 2 bath Condo $435,000 This fantastic upper level end unit condo located in Stony Brook Complex in Sabre Springs! Promises not to disappoint! Recently painted and with new countertops. Amenities include in-unit laundry, community pool & spa, assigned covered parking. Close to everything, located in the very popular Poway Unified School District & quick access to the 15/56 freeway. No Mello Roos!!! ... Call me / text me / message me to schedule a showing or talk about buying or selling your home. Albert 619-647-4255

Finishing the week with a Sunday ride around the bay.

Happy thanksgiving

Crazy Crazy Crazy! The home prices have gone insane over this last year. COVID and low interest rates have created huge increases in home values all around San Diego County. If you are thinking about buying or selling give me a call and lets talk about how I can help you.... https://www.sandiegouniontribune.com//san-diego-home-price... Albert 619-647-4255

This is huge news!!!

The great #toiletpaperwar2020.

Will work for ice cream and motorcyle rides.

Life hack!!! I would have never tried this.

Happy Veteran’s Day. Thank you to all that served past and present.

Happy Birthday Marines

I guess it’s that time of year when we all post our Glory Days. I grew up in a tiny town in the middle of of nowhere. I had never left California. Joining the Marine Corps was hands down the best thing I ever did. I left McFarland 22 years ago today. The first glimpse of daylight was getting rushed by our Drill Instructors to the barracks and seeing the Marine Corps Birthday parade for the first time. I think back and I am thankful for the things I learned. The places I have been. The lifelong friends that I have made. To all the Marines out there Happy 245th Birthday

I just put a pair of these up at my moms house. She said she needed some new lighting and I told her I will buy her some boobs!!! Fun fact at Home Depot they have them for like $45 each but they have a pair for sale for $50 in some random area of the lighting section without any pictures or anything around them.

Great article in the Union Tribune about buying a home in San Diego. If you are looking to buy or sell give me a call!

I’m here for you!

Making our voice heard.

This looks like a great little house in South Chula Vista. If you are looking or you know anyone that might be interested please let me know or forward them this home to see if they would be interested in talking about seeing it.

This is going to be my first Halloween without Emma. Do they have adult trick or treating? Asking for a friend!

This place is so cool if your in Escondido come by and check it out. The Paleta Bar.

Preparing for Halloween

Who is looking to buy a house

Had a great time today playing a round in Delano. Great little 9 hole course. Emma was excited because she got to drive the golf cart around.

Emma sold a home today. I handled all the paperwork but she is an amazing Realtor in training!

Who do you got for the World Series?

We are almost done!!!! I love getting that Clear to Close email from the lender. This one got a little scary in the middle but we worked our way through it. The listing agent and their team has been so understanding and worked hard together with me to make this happen for my buyers!

How hard are you willing to work for that listing?

Looking to buy or sell give me a call. #callme

Mine is I don’t like tripas

I hope everyone had a great Labor Day weekend.

Great blog post. I talk about this all the time with people. Everyone wants to jump forward and go see homes. If after we talk I feel comfortable with you. No problem lets go but that is your one freebie.... The hardest part of buying a house is getting a loan. Once we know what you can afford. Then we build a game plan to make sure you succeed and get what your looking for in your price range. Without the pre approval we are just throwing darts in the dark. Or we ma...ke the mistake we look at homes that are just out of reach for you. A lot of people make this mistake looking at homes that are just $25-$50k above where they qualify for and fall in love. Well unless you have the ability to make more money those homes will stay $25-$50k out of reach and you will go forever wanting something you cant have because you did not take the time to talk with a lender. Let me know if this helps. I have a great lender I can connect you with and explain this whole process to you and make it fun and easy!!!

Emma’s first day of school . 5th Grade. @ San Diego, California

Sunday ride. Great way to end the week.

Let me hear them good names!!!

Times are tough for buyers but we found a great home for some very excited VA buyers!!!!

$634,000 Thats the new median home price in San Diego. If you are looking to sell RIGHT NOW IS THE TIME TO SELL!!!!

Wow! You need to watch this show!!! Who knew this information has been out for the last 3 years. This story is crazy! This is the story of the kidnapping and murder of Enrique Kike Camarena. There are crazy ties to a whole larger case and government involvement both the United States and Mexico.

Here is some great information on what the property tax rates are for each city in San Diego County. When you are going to buy a home a big part of the payment is your TAXES!!! Depending on where you live has a big effect on how much you pay for taxes. Some cities are higher than other but that is not always a deterrent especially if the cities properly use this money to put back in the city and it makes it a great place to live. I can think of a few cities that do a great... job of keeping up the community and are always working on ways to improve the lives of the people of their community. If you have any questions that I can help out with please reach out and ask. Albert

This current market here in San Diego is crazy!!!! So this summer was far from normal. The majority of the people I help are VA buyers (active duty) or first time homebuyers. The majority of those first time buyers are blue collar workers (cops,nurses, and teachers). Most of the people I talk to have saved for years to get the money they need to cover the downpayment and closing costs. Depending on the buyer or type of loan that’s $10,000-$30,000 that they need to buy a hom...e. (Everyone is different and there are programs that help with down-payments and closing costs) This whole summer has been hard because most of the houses that I have offered on have had up 37 offers and have gone for over $100,000 over asking price with buyers waiving contingencies. When you buy a house the buyer has a few contingencies to protect them and their money. 1. Inspection- you have the right to inspect the house and to see if you are okey with the house to proceed forward and purchase if you are okay with everything. *Remember every house is sold AS-IS you have this time period to see if you are okay with the defects or if the seller is willing to make repairs. The sellers do not need to make any repairs and if any other agent tells you different find another agent because they are lying to you. 2. Appraisal- This is the bank protecting its assets and your future asset. This is a third party not connected to the bank or the seller that gives their independent value of the home based on the current market conditions. *Most people base it on the house next door or down the block. That doesn’t always work. We look for apples to apples comparison (20% above and below square footage / similar sized lots / sales with in the last 6 months / no further than 1 radius mile in the same zip code / in the same or similar neighborhood) 3. Loan- So this is where you the buyer proves to the bank that you are a qualified buyer. The verify you are employed in the same or similar job for the last 2 years. You have a history of paying back loans and credit cards. That you have enough money in the bank to cover the downpayment and closing costs for the home that you want to purchase. This is a pretty easy process. The bank just needs a few items to start their loan. 2 years of taxes. Your last 2 bank statements. Your last 2 check stubs. That’s it!!!! Once the bank does their work and they say yes you can buy or no you can’t buy. Most agents will have you work with a good lender to make sure you know all this upfront. Like always I am here to help if you are looking to buy a home or sell your house. If your looking to sell this post should encourage you to sell. It’s a sellers market!!! If you know anyone looking to buy or sale a house please send them my information and let me know so I can talk to them on how we can make their home dreams come true. Albert 619-647-4255

Check out these amazing San Diego County Homes with Pools!!!! There are some really cool homes. If you are in the market or know someone looking reach out to me and we can talk about getting you into that amazing new home!!!!

Who knew that a pandemic would cause a huge increase in home values. If you are looking to sell right now is the right time. There are a whole lot of buyers with low inventory.

I am so happy and thankful that we found the perfect house for my clients. The layout and feel of the house felt so perfect for them. I am thankful to be apart of all the happy smiles and excitement in buying their new home. @ Valley Center, California

Last minute fireworks run. We ran through a pack last night. We had to re-up!!!! @ Bakersfield, California

Found the new toy I want to buy. Fly killer salt gun.

Only in McFarland will the neighbors dog come and play with the fireworks. Craziest thing I have seen.

Happy 4th of July

Congratulations Julissa!!!! Stockdale High Grad 2020!!! We are so proud of you!!!