CARLSBAD Ocean View Home for SALE ~ Carlsbad CA 92011; Executive 4br Home in MINT condition

CARLSBAD CA Ocean View Home for SALE! Ocean & Golf Course views, close to beach and barely lived in! Carlsbad CA 92011

Location: Shorepointe - CARLSBAD CA

CARLSBAD CA 92011: 4 br OCEAN VIEW Home for SALE! Stunning Executive VIEW home shows like a MODEL! Immaculate!

IMMACULATE, CLEAN and what a VIEW! Whether you want to watch the fireworks at LEGOLAND, the beauty of Crossroads golf course; or breathtaking sunset views over the ocean; this view is INCREDIBLE!

This large 4 Bedroom + bonus room is in terrific condition. So you won't find the normal wear and tear; like in competing homes. This home is the closest you can get to a BRAND NEW home, without all the hassles (construction trucks, dirt and dust, noise, immature landscaping, etc).

Plenty of upgrades and amenities throughout this DREAM HOME:

* Huge Master Bathroom with Spa Tub and separate Shower
* Huge walk in closet
* Beautiful Tile floors
* Dual Paned Windows throughout (energy saving)
* Alarm system
* 3 car garage
* Walk to Tot Lot
* Private Master Bedroom Deck
* Award Winning Aviara - Carlsbad Schools
* Downstairs Bedroom and full bath
* Bonus room - Office or 5th bedroom (if converted)
* Formal Dining room
* Stamped Concrete in backyard
* Intelligently landscaped and Low maintenance Yard.
* Romantic fireplace in Living Room
* Separate Family room
* Minutes to World Famous La Costa Golf course and Spa; Aviara and Crossroads golf courses
* Minutes to miles of white sandy beaches and the Pacific Ocean; Batiquitos Lagoon, and numerous parks

And much much more! This home shouldn't be missed! Homes in this condition, with this view RARELY come available! Don't miss it!

For more information go to:

VIRTUAL TOUR: http://www.PropertyPanorama.com/70832

http://www.MarcVonMusser.com

Or call 1-800-990-2473 ext 198

Information

Contact Information

Marc Von Musser

760-470-1453

http://www.MarcVonMusser.com

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Pricing

Price: $835,000.00

Flexibility: Negotiable

Additional Pricing Information: Offers entertained between $799,000 and $835,000

Property Location

6398 Torreyanna Cir
Carlsbad, CA 92011
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WEBSITE

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Features

Bedrooms: 4

Bathrooms: 3

Parking Spaces: 2

Year Built: 2002

Subdivision: Shorepointe

Lot Size: .1257

Garage Size: 3

School District: Carlsbad

Square Footage: 2597

Agent Name: Marc Von Musser, MBA, CFS, CSP

Broker: Keller Williams Realty

1 Bonus ROOM - Loft/office: 1

Attributes

Appliances

Range/Oven

Full Refrigerator

Dishwasher

Sink Disposal

Microwave

Interior Amenities

Fireplace

Security System

Kitchen Island

Vaulted Ceilings

Downstairs Bedroom

Downstairs full bath

Tile Floors

Dual Paned windows

Dual Ovens

Gas appliances

Exterior Amenities

Patio

Fenced Yard

Panoramic Ocean View

Golf Course View

Photo Gallery

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VFLYER ID: 2637911

SOLANA BEACH Condo for SALE! Ocean Front, Priced to SELL! Solana Beach CA 92075

SOLANA BEACH Oceanfront CONDO for SALE! Solana Beach CA Ocean front real estate For SALE! Amazing VU

SOLANA BEACH CA Home For SALE! Remodeled SOLANA BEACH Beach Home for SALE! Walk to Beach! Stunning!

OBAMA's Foreclosure PLAN!

Obama’s “Making Home Affordable” program is designed to work with lenders to modify the loan terms for up to 4 million homeowners and to refinance up to 5 million homeowners into more affordable fixed-rate loans.

Here are some questions and answers about the latest round of aid for homeowners.

A: How do I know if I qualify for the refinancing plan?

Q: Only homeowners in good standing whose loans are held by Fannie Mae or Freddie Mac qualify.

The property must be owner-occupied and the borrower must have enough income to make payments on the new mortgage debt.

Borrowers can’t owe more than 105 percent of their home’s current value on their first mortgage. For example, if your home is worth $200,000, your first mortgage can’t exceed $210,000. Borrowers with a second mortgage still can qualify as long as their first mortgage isn’t more than 105 percent of their home’s value.

Homeowners can’t take cash out during the refinancing to pay other debt.

Borrowers have until June 2010 to apply for the program.

Q: How do I know if my mortgage is owned by Fannie Mae or Freddie Mac?

A: Call your current lender or mortgage servicer. You can find the phone number on your monthly mortgage statement or coupon book.

You can also contact Fannie Mae at 1-800-7FANNIE and Freddie Mac at 1-800-FREDDIE from 8 a.m. to 8 p.m. EST. Or, go to http://www.fanniemae.com/homeaffordable and http://www.freddiemac.com/avoidforeclosure and fill out the online request forms.

Q: What borrowers qualify for the modification program?

A: You don’t have to be behind on your mortgage payments to qualify. Delinquent borrowers and current borrowers who are at risk of imminent default are both eligible.

The program applies to mortgages made on Jan. 1 or earlier. The mortgage payment including taxes, insurance and homeowners association dues must exceed 31 percent of the borrowers’ gross monthly income.

The property must be the homeowner’s primary residence. It can’t be investor-owned, vacant or condemned. Home loans for single-family properties that are worth more than $759,750 don’t qualify.

The program is voluntary, relying on a $75 billion subsidy to encourage mortgage companies to participate. Lenders must agree to reduce the loan payments to 38 percent of a borrower’s monthly income. After that, the government and lender split the cost of bringing the payment down to 31 percent.

Eligible borrowers will have to provide their most recent tax return and two pay stubs, as well as an “affidavit of financial hardship” to qualify for the loan modification program. In the affidavit, applicants will have to cite the reasons behind their financial woes, such as job loss or a drop in income. The government will then take steps to verify the information.

Borrowers are only allowed to have their loans modified once. The program runs through Dec. 31, 2012.

Q: What if I’m in bankruptcy or in active litigation over my mortgage?

A: That doesn’t necessarily keep you from qualifying for the modification program. And borrowers in active litigation can modify their home loans without waiving their legal rights.

Q: What do I do to get help?

A: For the modification program, call your lender or mortgage servicer to see if you’re eligible. For the refinance program, first find out if your mortgage is held by Fannie Mae or Freddie Mac. Then contact your lender, mortgage servicer or a mortgage broker for refinancing options.

Q: How soon can I get help?

A: Both the modification and refinancing programs start immediately.

Q: What if I don’t qualify for either program — is there any other way to get help with a mortgage?

A: Contact your lender or mortgage servicer regarding other modification programs or refinance options. Alternatively, contact a local housing counselor to negotiate with your lender or servicer, to help locate other local resources like rescue grants or loans, or to facilitate a short sale or deed-in-lieu of foreclosure if staying in the home isn’t possible.

A short sale is where homeowners sell houses for less than the amount owed on them, and the lender then considers the debt paid off. A deed-in-lieu of foreclosure is where the borrower gives the property to the lender to satisfy a delinquent loan and to avoid foreclosure proceedings.

Local housing counselors can be found at the U.S. Department of Housing and Urban Development’s Web site at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

Q: Do FHA, VA or USDA home loans qualify for modifications under Obama’s plan?

A: Mortgages backed by the Federal Housing Administration, Veterans Administration or the U.S. Department of Agriculture are being modified under other programs. The Obama Administration and Congress are working on legislation that would allow modifications of these home loans consistent with the Making Home Affordable program.

Pre FORECLOSURE in El Cajon! Gorgeous El Cajon Home For SALE! Pre Foreclosure and a GREAT DEAL!

Fannie Mae and Freddie Mac to halt Foreclosures...at least for now!

URGENT NOTICE: Fannie Mae and Freddie Mac Foreclosure Freeze
by Tim Harris on November 20, 2008

As predicted, expect to see more foreclosure moratoriums…typically for 90 days. California tried this and it didn’t have any sort of significant effect. Expect to see a massive number of foreclosures hit the market after this artificial reprise….

Mortgage finance companies Fannie Mae and Freddie Mac are suspending foreclosures for about 16,000 households during the holiday season.

The two companies said Thursday that they will halt foreclosure sales between Nov. 26 and Jan. 9, while they evaluate whether borrowers qualify for a new loan modification program announced last week.

As you may recall when the government seized Indymac back the FDIC implemented their own “Mortgage Loan Modification” program. Overall, very few loans were actually modified as a percent of the whole. Now we are seeing that even after the homeowners have had their mortgages modified they are still missing payments. Loan Mods are a great solution in theory. But, the newest research about what happens post loan modification isn’t encouraging. Clearly, simply massive numbers of homes will become REO listings.

Fannie Mae said about 10,000 households would be affected, while Freddie Mac said the changes would affect about 6,000 borrowers who are facing foreclosure. The change does not apply to vacant homes.

Read that again….only 16,000 borrowers would be ‘affected’….that’s assuming they want to do a loan modification. Remember, a loan modification temporarily makes the payment lower….rarely, are there any principle reductions. In other words, they are still upside down in their homes. If they want to sell..and they don’t want a foreclosure on their credit one of their best options is doing a short sale.

OK, you will love this next part…..in order to qualify for this new initiative a borrower has to miss 3 mortgage payment….

Fannie and Freddie’s loan modification plan aims to help abate the foreclosure crisis by aiding homeowners who have fallen at least three months behind on their payments, but only if their loans are held by the two companies.

More fun facts….when I first read this next point a week or so ago I thought it was a misprint. Can we all agree that one of the (many) reasons we are in this immense real estate mess is because lenders gave mortgages to people who didn’t qualify? Assuming we are in agreement…then WHY the heck is it that the FHA is now allowing people to have mortgages with a 38% housing ratio? Get this, the actual housing debt to income ratio that the FHA uses is………..28%. So, the FHA is now becoming the worlds largest….SUB-PRIME lender!

Under the program, the new primary mortgage payments — including taxes and insurance _shouldn’t total more than 38 percent of homeowners’ pretax monthly income.

It very important that you read and clearly understand the next point…THIS year…2008…the NAR is estimating that there will be around 5 million home sales….the FDIC is expecting that by the end of THIS year…2008 there will be 4.4 MILLION borrowers who are deliquent on their mortgages. If you are a HREU Coaching Student you know that the best opportunities for helping the millions (and millions) of homeowners is still ahead of us. If the government predictions are correct nearly 50% of ALL sales in 2009 will be REOs and Shortsales.

Fannie and Freddie are the dominant players in the U.S. mortgage market but hold only 20 percent of delinquent loans. Ultimately about 400,000 households are likely to qualify for the loan modification program, according to Priya Misra, a mortgage analyst with Barclays Capital.

By contrast, the Federal Deposit Insurance Corp. estimates that more than 4.4 million borrowers will become delinquent by the end of next year, not including loans backed by Fannie and Freddie.