Best Santa Clarita real estate agents

Top Santa Clarita real estate blog

I operate the most complete and longest running blog about Santa Clarita real estate. I am the true local area expert living in the Santa Clarita Valley during and after my LAPD career. I'm all about the protection and service to both my home buyers and Santa Clarita home sellers. The biggest compliment that any client of mine can give is by way of them referring their family, friends and those whom they know want to buy or sell real estate. I'm honored in each instance. Our business operates primarily by referral. 

First and foremost, my method is by teaching. I'm not teaching my home buyers and sellers on how to be real estate agents. I'm teaching them how to be best protected when it comes to buying and selling real estate. 

The best way to do this is by our in-person meetings which are done in my offices, over the phone or by remote meetings conducted with my Zoom Affiliation. I was the first agent to employ a podcast/radio show in my housing market updates. I was also the first agent to conduct seminars online with many participants where questions could be asked and where the best solutions to actual real estate problems could be discovered. I have had up to 50 live participants in my seminars within the online realm and mandate that my home buyers and home sellers become educated in one of my many processes.

Buying a home is not like buying a pair of shoes. There are a lot more moving parts and the price point is much larger. 

Anything that takes 30 years to pay off, typically, needs to be approached with care and concern. Making a mistake with real estate is expensive and some never are able to recover.

Take the last real estate cycle. There were a lot of home buyers that jumped in without testing the waters. If you did so during the later part of 2011 and in the 1st quarter of 2012 - your jumping in was the best thing you could have done. 

That is because during that time that was the low part of the real estate market. Between the fall of housing in 2007 and the current date, the last absolute low point in the Los Angeles Areas was last quarter 2011 and the first quarter of 2012.

I approach real estate with my clients with knowledge and experience. I know that most home buyers take the word for what they read online, no matter the source. If the source has a large well-advertised name, most take the information conveyed as the word of a higher power.

If you are interested in your better future in real estate, do not do that. Make sure that you are

Jan. 19, 2020

Real estate mega teams in Santa Clarita real estate

Santa Clarita real estate mega teamsThe buzz word of 2020 is building a real estate Mega Team. Those are the super large teams consisting of those who can bring more business to the leader of the "mega team".

When you first get your real estate license, the mailers that you receive all consider you someone who can bring extra business, at least three deals.

Theirs, another's and someone close to them.

Three - the worth of the new agent is at least three.

The real estate mega teams are hoping for at least that.

Plus they are hoping for a person who can develop some sort of real estate business above and beyond what they were expected.

Agents think that having a large mega team will bring them more business. That may be the case in a short time. But in the long tail realm, a mega team won't survive the test of time.

People want to be dealt with personally.

I had a mega team, but they were not me.

So hence them not going and working for themselves and developing their own brand.

A person can have all the buyer's agents and the other essential components of a mega team but has nothing.

At least in the end.

There is no way to make a mega teamwork, especially if the people are wanting to work with the agent forming the team.

If that is the case, where the real estate clients want to work with the formulator of the team, they cannot. 

Most mega teams are formed for that the lead agent is working their business remotely.

Maybe they are operating their mega team in Santa Clarita CA from Santorini Greece!

Santa Clarita real estate mega teams

You may have guessed from this article that I am not a fan of real estate mega teams. Why can't we just work with the clients that select us personally? Why must we build a team in order to make more money than if we were helping people alone?

Ok - you get it. A mega team trumps a single agent.

In income and deals per year.

My contention is that I have seen many a real estate client come through my door that has worked with a real estate mega team which does not like it.

They want to work with a singular agent. They want a single point of contact. I get over 70 leads per month from my efforts on our Santa Clarita real estate blog.

All of those inquiries get special treatment by me. 

There is no other agent. There is no mega team.

There is Connor with HONOR and his awesome wife, also in the business - Paris MacIvor (aka Paris911).

Some mega teams are counting other personnel

In each real estate transaction in the Santa Clarita Valley, one that is handled professionally, there are others involved.

There is a home lender, a mortgage professional, one who is going to coordinate lending the money for the home buyer to buy the home, condo or townhome.

Then you will have an escrow company including an escrow officer and their assistant. If you are a Santa Clarita home buyer, know that the escrow typically originates from the home seller.

It was back long ago in real estate (sounds like a story is starting), where it was decided that the home seller, because the home being sold originates with them, would select service providers. Such as the escrow company and officer and the pest inspection company who is going to be giving a Termite Clearance or doing the Termite work.

Over time, the seller's still select escrow, for the most part. However, this is a point of contention in some real estate dealings. Everything in real estate can be negotiated.

If the home buyer is buying a home in a total buyers market, they may be successful at choosing the escrow company that they want to work within the purchase of the seller's home.

Not a biggie - but some buyers like to be in control this way. If the market is a seller's market - there is no way that this could happen - but why not ask? It is possible that if you "ask", in the time it takes for the seller's agent to explain what you wanting to choose the escrow company and the escrow officer means another offer could come in where the home buyer is willing to go with the seller's selection or escrow company.

OMT - Termite. Currently, the termite inspection has switched to be a buyer cost and responsibility. There are many reasons why this could have happened. First and foremost is if the home seller is hiring the company to do a termite inspection and paying said company, maybe the sellers have it in with the termite company. When the inspection and work associated with that inspection are left to the buyer to have ordered, the dynamic seems more honest.

May be advertising you having a team does not help

I have been telling agents for years during our training sessions. Teams can mean to people "cost increasing" and "bloat".

Costs can increase and communication can become prohibitive.

The biggest complaint that I get from a home buyer/seller that has come to work with me because my team is me, comes from the communication channel.

Things did not get done because no one knew what the other parties were doing.

What is the listing coordinator and what are they doing to get my virtual tour built? Oh - they are blaming the virtual tour company?

Why is escrow sending me this paperwork again? Oh - they want me to duplicate my efforts?

What is the buyer's agent wanting me to let them know if the buyers showed up? Oh - I thought they monitor the lockbox data they get texted to them? Oh - the lead agent is getting that info - my mistake!!!

I left a message for the agent that I hired, why am I getting called back from their secretary, who has no idea what the listing agent promised me in my home when they were pitching me to choose them?

Teams are good at making agents more. More is fine ok as long as those who are hiring you are not suffering as a result of your greed. (A word to agents)

Who should you be hiring

As long as you know what is expected and what kind of results are obtainable when working with a real estate agent who is working real estate with their eyes closed, the choice is clear.

I'm Connor with HONOR and I'm your local Santa Clarita realtor who is prepared to show you more about how Paris and I are very different from the status quo.

When you are ready, call me directly and I will take great care of you. Thanks so much for taking the time to read about Santa Clarita mega real estate teams and why you may want to think twice before hiring one.

Connor MacIvor, over and out!

Jan. 17, 2020

Santa Clarita best agents and best Realtors in Santa Clarita Valley

If you run this keyword phrase, Santa Clarita Best Agents or Best realtors in Santa Clarita Valley yelp is there with the results.

The issue is that we have over 50 yelp reviews that are currently filtered. They tell me because I have called a lot, that those are because they are smart and the Yelp Filter algorithm program caught them.

However, when I look at the reviews, these are actually real estate clients of ours that gave us the time to report on the job we did.

Currently, at 59 filtered reviews, Yelp has non-approved reviews for the Best Santa Clarita agents

These are all five-star reviews from actual clients. If you want to know who is who and to get a call back from any of the clients to validate their real story, let me know which review it is and I'll make it happen.

The YELP rules pertaining to those who dare

Yelp wants yelpers. Those loyal to their brand. They don't want the "one-fer" type of person. That will only go on their platform because they want to be nice to those whom they used and whom they thought their service was amazing.

Some people trust Yelp and only use their platform when wanting to hire a service provider or buy a particular product.

Others, don't.

Yelp has been kind to us because while we have a couple of reviews that are not from people directly working with Paris or I or our team which are horrible, our 5-star ratings overwhelm the error-filled reviews.

Also, to be totally upfront, Yelp has removed some of the "not us" reviews as well after I have inquired and let them know about the error.

It's the "filtered reviews" that have been hidden from public consumption that bother me. Let's be honest. Paris911 and my MacIvor real estate business would be the number 1 result on Yelp for Santa Clarita real estate agents.

Santa Clarita home experts on target real estate consultationFor the BEST Santa Clarita real estate agents we would be at the top of the yelp feed, just underneath the ad spaces.

Ah, well - one can dream. For now, we will continue to give the best service to our real estate clients. We will continue to take the time with each one individually or with those they have in tow to teach them the best way to approach real estate.

If they are a home buyer or buyers, we sit down with them and explain the entire process from getting approved for a loan and who the best lenders are to use to what happens when the air conditioner goes out 2 months after they have moved in.

Our meetings were popular and necessary before other agents caught on. But today, people are moving so fast and agents are wanting to build these "mega teams" so quickly they have started to abandon the real estate consultation meeting.

And that is good for me because I will never abandon it. No matter where technology has us in the next 20 years. (Ghost in the Shell - etc).

Remaining the best in Santa Clarita real estate

I write about the real estate and housing market. I get the data from the source, the local Boards of Realtors multiple listing service. 

I can compare that data with the historical data and let our clients know where the market is and where it's headed with a lot of accuracy.

It's during my reading time about the housing market and the dissemination to those who I call and who call me where I solidify my position in being the Santa Clarita home expert.

When I was with the LAPD and when I taught firearms, the instructors could not get away with just talking the recruits through the scenarios. The instructors had to perform at an instructor level. We had to show them how to do it and then have them do it themselves. So, as you can imagine, we had to perform at such a high and refined level as to amaze, creating shock and awe, to earn creditability with each recruit.

Not all the recruits were fresh out of college with beer still on their breath and with healing Fraternity tattoos. Some had spent a lot of time in special forces, in war and had the medals and abilities to validate their history.

To earn the respect of those who know nothing is easy. To earn the respect of those who are at the top of the same game is hard. It's to those recruits that we had to perform at an ultra-high level so as to have them come aboard to the LAPD way of doing things.

And there you have me going off on a tangent. When you are ready to embark on a real estate journey in the Santa Clarita Valley, my number is at the top of this page. Just reach out to me and I will make it happen for you and yours.

Referrals to the BEST Santa Clarita realtors

We have a lot of traffic on our Santa Clarita home experts' website that comes from those just curious about real estate or those who are searching for their friends and family.

A word to those people. Feel confident in referring your friends and family. Come with your friends and family to our Real Estate consultation course held in our offices. Sit by them and see if what we are saying is the truth about how real estate should be approached and handled.

Potentially, you have already bought a home and possibly sold as well. You may not want to do any real estate transaction. However, you know someone that does.

Come with them. That will make them feel comfortable. I have sat in my offices with many young adults who had their "hardcore" parents present who had bought and sold real estate back in the day.

Those are the best real estate consultations I have ever had because the truth and lies are still the same, but the advancement in technology and in construction methods are not.

I'm happy to be at your service. Just call me to interview me over the phone. If you agree that I'm worth giving an hour of your time to then pick up the phone and call, or schedule a time for your Santa Clarita real estate consultation on my calendar

indexed and posted 01192020 0458hrs 10-20-30 repeat protocol aka 10-10-10 eat on the dimes. 

Jan. 16, 2020

Santa Clarita Market Update January 16, 2020

Santa Clarita real estate inventory going down during January 2020Good day everyone, Connor T. MacIvor here. If you have a chance to check out two awesome articles that are definitely ruffling some feathers in the real estate community, access them here.

Top 10 reasons not to use the home seller's agent

3 timely warnings about Santa Clarita open houses for home buyers

Watching and monitoring the current real estate activity in the Santa Clarita Valley cities is how I'm able to offer my clients the best knowledge and experience as their real estate representative.

Now - what has been happening during holidays in Santa Clarita real estate? Not much. the market slowed down a couple of weeks before Halloween in October 2019 and has not been the same since.

What I mean by slowing down is the numbers of listings dwindled and fell to an all-time low in December 2019. The home buyer drive had also slowed down with non-reaction by potential home sellers who wanted to wait until the Spring of 2020 to release their homes onto the market for sale.

We are getting closer to the spring, and as I deduced, breaking into January has not helped with inventory in the Santa Clarita Valley.

Here is a quick break down of the past 7 days of Santa Clarita real estate activity:

  • New listings 19
  • Price changes 13
  • Back on Market homes and estates 5
  • Active Under Contract listings - 20
  • Pending properties 10
  • Sold homes 18
  • Expired listings 1
  • Properties placed on Hold do not Show 2
  • Withdrawn Listings - 1

Current Santa Clarita real estate inventory

  • Castaic - 27
  • Canyon Country - 86
  • Newhall - 30
  • Saugus - 59
  • Stevenson Ranch - 12
  • Valencia - 82

That's 296 and that is unbelievably low.

December 23, 2019, I reported that we had just over 500 active listings for sale in the Santa Clarita Valley cities.

I cannot wait until the Spring Rush for homes and real estate. 

Stay tuned to the Santa Clarita home experts radio show and I will keep you posted as to what the next best thing will be in Santa Clarita real estate and home events.

A couple of items that have come up, which you may have seen before, is the Santa Clarita home expert newsletter. This one is hot off of the presses and if full of great information pertaining to real estate.

The top item that we talked about this month to all our newsletter recipients is the growing issue with agents failing to meet the basic standard to be real estate agents. They don't meet with their clients to discuss the happenings related to buying and selling homes before the pen gets pressed against the paper.

That is a massive disconnect between agents and those who are wanting to conduct a real estate transaction. 

What I did was put that information into our newsletter with a link to our Santa Clarita home Experts calendar

Here is the PDF link for a glimpse of our February 2020 Santa Clarita home expert newsletter.

The Santa Clarita home experts newsletter February 2020

Jan. 16, 2020

Schedule time with the Santa Clarita home experts

 

 

Meet with the Santa Clarita home expert - Connor

Meet with the Santa Clarita Home ExpertsThis is where the rubber meets the road. When you are ready to talk about getting prepared for real estate, to buy or sell a home, condo or townhome - anything related to real estate I can save you time and money.

It's free and without obligation. If you don't like me then we don't have to work together. But my past experiences with clients and the in-office meetings that help buyers and sellers coordinate their thoughts have put me on the map and in the top realm amongst the BEST Realtors in the Santa Clarita Valley.

In our Santa Clarita home experts meeting, we cover many things and each is not done with me talking. While I may love to hear myself talk there is something more important as my dear old dad taught me, what you have to say.

I'm a listener and respond to your inquiries and questions.

We work together, me and whomever you bring with you, to develop a list of goals and decide on the best ways to achieve them for your best benefit.

Some of the items that we will discuss at length, depending on my client's needs are:

  • Lenders and Lending - how to get your very best deal
  • Why my representation and consultations services for home buyers are FREE
  • Who you pay when buying a home and how to obtain discounts on their fee's
  • What neighborhoods will cater to each buyer's needs appropriately
  • What to look for in a home from the perspective of future equity building
  • New homes and how I negotiate and obtain extra incentives and discounts for my new home buyers
  • Why Zillow, Trulia, and Redfin are not the Santa Clarita home experts
  • Multiple offer strategies
  • Love Letter preparation
  • Foreclosures / bank owned / real estate owned opportunities
  • Future development impacting homeownership and more

There are a lot of ways in which our meeting saves you time and of course money.

The time saver tips are you are not going to have to do anything but let me find you the perfect home after our meeting.

All of your questions will be answered and those which need to be verified with documented facts will be given very earnestly to you by me.

When you are ready, just get on my calendar today. Most of my meetings are held at my Santa Clarita Home Expert offices at 25129 The Old Road, Suite 114, Santa Clarita CA, 91381

If you are new or unsure of where our offices are located here are some driving directions to my Santa Clarita home expert offices.

If you are heading out to meet with me and if you are coming from the San Fernando Valley and have access to the 170 Freeway, the 5 Freeway or the 405 Freeway, you are only 15 minutes or so away depending on your location and traffic.

Tak any of those freeways north until they all merge at some point with the 5 freeway. If you are on the 5 freeway, continue on that freeway until you get past the 14 freeway interchange.

This is a large freeway interchange, just stay to your left or if you are more than 1 in your car, feel free to use the carpool lane.

After you pass the 14 freeway you will see the first exit, as you head over the hill (about 5 miles). 

That will be Calgrove Blvd. If you exit Calgrove, stay in your left lane on the offramp and turn left after you make a complete stop at the stop sign. CHP and Sheriff's love to hide to the left, out of sight, and write tickets to people to fail to come to a complete stop at the northbound offramp on the 5 freeway and the Calgrove offramp. So be careful and make a complete stop.

Once you turn left, set up in your right-hand lane to turn right at the first tri light signal you come to. It will only be about three football fields from the off-ramp at Calgrove. Turn right on The Old Road.

You will then drive past the Mattress Store, a large white two-story building and a Cal Trans maintenance yard on your left.

Slow down and before the hotels, you will see a three-story red brick building, I'm in that building on the 1st floor.

If you are standing in front of the building and call the side you are facing the number 1 side, then number the other sides in clockwise format for a total of 4 sides. I'm at the 4/1 corner of the building. Just enter and walk to the first hallway that goes right, walk to the end and you will see the REMAX offices. If we have an "after business" hours appointment, then I will arrange to let you in another way.

If you are coming to see me during business hours then the receptionist will direct you to my office or she will call me to come to get you.

When you are ready I'll be here. Like I have said before, meeting with me for FREE and without obligation is your first best stop when you are ready to take your real estate goals seriously.

If you are a Santa Clarita home buyer or a Santa Clarita home seller call me and we will set up a private and confidential meeting together.

Jan. 16, 2020

Top 10 reasons why you would not want to work with Sellers agent

Top 10 reason why not to use the seller's agentBack in 1998 when I first became licensed, there was a true lack of information about the home buying and selling process. Even our real estate school did not expand the ideals and working structure of a real estate transaction very well.

The truth was found when we started working with buyers and sellers.

Read the three problems with open houses!

During the past several years I can honestly say it's not a problem with the lack of information. The internet fixed that, there is a vast amount of information online about the home buying and selling process.

The issue comes in where a lot of that advice and information is misinformation. Misinformation meant to elicit a response from you in some way. For example, an article that bends logic stating it's a great time to buy a home. Or another that says it's a great time to sell a home, when it may not be.

The best time saver and value add was when we formulated our in-office course for home buyers and home sellers.

This is so hard for other agents to compete with us because of those agents' unwillingness to take the time to get to know their client's needs better.

If you want to buy a Santa Clarita home there are many things that need to be a part of your thought process.

The things which you may have no idea of or about. 

So hence a well seasoned, knowledgeable and professional expert in the real estate field will save you time and money.

1. The Sellers Agent will learn your bottom line and financial profile, while they know the seller's as well.

2. You'd never want to hire the same attorney as the person suing you, you would want a better one :)

3. Negotiation is more effective with two sides.

4. The seller's agent has a valid and executed contract with the seller but does not have one with you as a buyer.

5. When the gloves come off, your own expert can better defend you.

6. Truth and honesty are more accessible when you have your own realtor.

7. The new home agents are directly employed by the new home builder!

8. A specifically skilled buyers agent is going to provide full disclosure and all information obtained by the home seller without prejudice.

9. The comparable profile will be offered to a home buyer by their own agent without offense or legal ramifications from the seller.

10. Massive time saver - A buyer's agent is going to be able to coordinate and show you all the homes listed for sale, not just a few.

One fact that did not make the list is that there are several states and the entire country of Canada that prohibit the practice of one agent representing both the home seller and the home buyer on the same property.

That practice, which is legal in California, for now, is known as Dual Agency.

It's so much easier to negotiate when on the other side of the table during a real estate transaction. 

There are many buyer and seller benefits that go beyond costs.

Some agents will use the pitch of telling the home seller that if they get the home buyer to use them to buy the seller's home, they will discount their commission.

In those scenarios, the agent is often seen as the true catalyst for any home buyers. This may be because of "old stories" or the agent giving a lot of lip service on how successful they are etc...

The main issue is that once the real estate listing has been written up and entered by the seller's agent into the Multiple Listing Service, the syndication websites take over and send that listing to literally hundreds of websites.

Issues always come up between the listing agents and those websites. The main one being one of permission.

Do those websites have the seller's permission to advertise and market the seller's home that is for sale?

Most sellers have no issue with that happening because they know this type of marketing is much better than the agent with a loudspeaker standing in their front yard yelling that the home is for sale.

Plus, the home that is for sale is being advertised on websites like Santa Clarita home experts where a ton of home buyers are looking for homes and real estate for sale.

With thousands of dollars, a month allotted to Google and Facebook pay per click campaigns, we are not only organically at the top of the Search Engine Result Pages(SERP)- but in the paid-for spaces as well.

Some agents will wince when they see this article. I'm stating the obvious and what has proven to be best for our clients where the mainstream happens to come from the Law enforcement organizations in Southern California.

I'm Connor with Honor if you want to get the latest articles when I hit the publish button, come back often. I'm not one to spam or "push market" anyone.

The address is SantaClaritaHomeExperts.com/blog - scroll down to see the latest article that has been penned.

If you want to be on the receiving end concerning what I publish, all you have to do is follow me on our Paris911 Santa Clarita real estate Facebook Page, I publish the articles when posted. 

Jan. 14, 2020

Revised Santa Clarita homes with Mello Roos List - Revised 11/2019

Santa Clarita homes and communities with Mello roos / special assessments.

Santa Clarita mello roos taxesWith all of the new homes being built and in some cases the Mello roos being satisfied, this list changes frequently.

This is merely a good attempt to give you the Santa Clarita neighborhoods with Mello roos aka special assessment taxes. 

To be certain of which specific homes have Mello roos and how much those amounts are, I have to make an inquiry via my title officer or via one of my realtor systems.

Something else that has created havoc with the Mello roos is all the new building that is happening in the Santa Clarita Valley.

To make sure of the amounts contact me and I'll do the recon.

However, only inquire if I'm your Realtor.

Due to our excellent Google ranking on the Santa Clarita Mello roos, this would become a full-time job so I restrict the information for my clients only!

Acton: Star Point Ranch

Agua Dulce: Sierra Colony

Canyon Country: California Canyons, Crestview, Fairmont, Glen Brook, Hearthstone, Heather Ridge, Laurel Park, Livesmart, Mayfair, Oak Crest, Woodglen

Castaic: Saratoga, The Highlands

Newhall: Montecito

Saugus Bouquet: California Bluffs, California Knolls, Shadow Ridge

Saugus Copper Hill: Acacia, Sonata, Wisteria

Saugus Plum Canyon: Blackberry Briar, Citrus Groves, Echo Point, Echo Ridge, Ridgeview at Echo Ridge, Strawberry Fields, Heatherton

Saugus River Village: Charleston, Brookville, Heirloom

Villa Metro: Aqua, Terra, Sol, Cielo

Stevenson Ranch: ALL tracts have Mello Roos EXCEPT Bellagio and Toscana townhomes do not, Marblehead townhomes do not, Diamond Head townhomes do not.

South Stevenson Ranch: NO Mello Roos in Enclave, Hillside Village, Oakridge, Sunset Point, Southern Oaks Estates, Southern Oaks Grove, Southern Oaks Manor

Valencia Northbridge: Avalon, Berkshire, Brock Northbridge, Cottage Hill, Country Gate, Coventry, Ivywood, Kentwood, Lexington, Montage, Montaire, Sandalwood, Traditions, Warmington

Tesoro Del Valle: Altoliva, Canterbury, Encanto, Esperance, Festivo, Huntington Collection, Sonora Heights, Sonora Ridge, Tango, Terraza, The Ranch

Valencia West Creek: Aria, Esperto, Estrella At West Creek, Heirloom, Lavello, Toscana

Valencia West Hills: Belmont, Capri, Castillo Series, Highgate, Milan, Monument, Mosaic, Patina

What is Mello roos tax?

These are taxes that the original home builder decided to pass along to the home buyer. 

These taxes pay for various items, mainly public safety, school, and emergency services.

If you don't have children you still have to pay if you buy a home that has Mello roos and assessments.

Typically they are paid in most cases as part of your annual property tax bill.

Mello roos can be required to be paid for many years into the future.

Most Mello roos and special assessments get paid off at some point. 

If the Mello roos will "actually" be paid off at some point is a cloudy issue apparently.

Mello roos can be renewed with a 2/3rd's vote.

Mello roos can be implemented with the same 2/3rd's vote.

In most cases, Mello roos make it harder to sell homes that have them.

Some new home agents that my clients have encountered don't make a big deal about Mello roos, briefly skimming over the true reality.

When the majority of new homes in the Santa Clarita have Mello roos, the properties that don't will sell at higher amounts.

Mello roos will reduce your qualification amount for your home loan.

New Home builders can pay off the Mello roos before selling their new homes if they want.

New home builders can provide credits to pay the Mello roos for their homebuyers for a pre-agreed number of years.

Do not rely solely on this Santa Clarita Mello roos list.

CFD is Mello roos.

Senators "Mello" and "Roos" implemented Mello Roos and that's how it got its name.

Always consult your tax person regarding the tax implications and benefits of Mello roos.

Below is my form for you if you want to find out is a specific home has Mello roos.

 

Jan. 14, 2020

Open House Notification alert received - here are the 3 warnings!

Santa Clarita open house websiteThanks for signing up for my Santa Clarita open house notifications. I will keep you informed after I build you your very own open house alert. It won't take me long and I'll make it my priority.

Read Top 10 Reasons for not working with the seller's agent!

I have also sent you these three warnings via email if you filled out our Santa Clarita Open Houses Form. BE awesome and I'm sure we will speak soon!

BTW - Santa Clarita Home Experts (dot com) is a fully interactive multiple listing service website and it is mine, meaning it does not share any of your information and I keep it SPAM Free! You can feel safe as thousands of others have by using it as a resource site that has all the "real and actual" home listings for sale.

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Jan. 10, 2020

Cheap Santa Clarita short sales for sale, what gives by the Santa Clarita Experts

It is now 2020. In fact, we are in the first whole work week in January and there is a listing that has popped onto the market for sale.

The agent is out of the area.

The listing is over 3100 square feet, single-family home with a three-car garage in the Santa Clarita city of Saugus.

WHATTTT? Listing price - $380,000

A four-bedroom and three-bathroom home in Saugus with a three-car garage and an unspecified lot size - priced at $380,000.00. I'll buy that all day long.

How can this be? 

The listing agent did not put the legalese in the MLS commentary, but typically on a short sale listing, we write in the confidential remarks that the sales price, terms, and everything is subject to the lender's approval.

Under market value short sale listing in Saugus CAIt's a short sale listing, aka a short pay if you had one listed before 2007.

The word short sale is what it is. The owner is wanting to sell it for less than they owe to the bank.

They want to sell it for less than what they financed it for.

Those owners are going to need the "mortgage" holders' approval.

There could be an investment firm or a hedge fund that owns the note on the home. Then all of those decision-makers are going to have to give the seller their blessing in order to sell this short sale and at what terms and price.

It's not a short process to be sure.

Also, the listing price is not the price the home is actually going to sell for.

In the case of a home that is listed as a short sale, the "note owners" aka "mortgage holders" the lender that has lent the money on the home to the homeowner, they are going to want verification of value.

They are not about to lose 1/2 of the potential value the home has just because it's being sold as a short sale.

There is going to be an appraiser dispatched at some point to ascertain the fair market value of this home by the short sale approval entity.

In the least, there is going to someone that is going to be dispatched by the mortgage holder that will conduct a BPO, Broker Price Opinion on this specific home.

Both "estimators of value" will gather the most recent sold homes in the past 180 days within 1/2 mile of the subject property. They will then look to the exact bedroom and bathroom matches. They will then continue to whittle away until they find a few sold homes that are very similar to the subject property. Those sold homes need to be close and they need to be recent sales.

When they see comparable sold property numbers in the $600 thousand dollar range versus the listing price, flags are going to be thrown by all the concerned referees.

If you are the buyer of a short sale know this. They take time.

They are all subject to the lender's approval. Not your lender for your loan, but the lender that owns the note on the property.

There may be multiple contracts that have been written on the short sale home.

The bank is only going to "officially" accept one. The owner may hold onto many.

There is also a bunch of paperwork that the homeowner has to fill out and produce showing their justification to have the property approved to be sold short in the first place.

Most financial institutions require an offer to start the process and most any offer will do.

The buyer just needs to know the home is not going to be sold to them at 1/2 market value. 

The bank, if they approve, will come back to the home buyer with a counteroffer at a market value price.

It is at that point, albeit a few months later, that the short sale has been "approved".

I'm Connor with Honor and I am glad to be of service to you and yours with regard to all things which are real estate.

I have already gotten a ton of phone calls this AM for a short sale listing that had been placed onto the market at way under FMV - Fair market value.

When you are ready I can save you a ton of time and money. Let's meet at my offices so I can give you my 1-hour home buyer prep appointment.

As stated, it will save you when wanting to buy Santa Clarita real estate.

Jan. 7, 2020

First official week in Santa Clarita real estate 2020

Santa Clarita real estate newsBreaking ground in real estate within the Santa Clarita Valley for 2020 we have had 8 new listings hit the market in the re-sale realm.

That's like the 20th circle of the As, but I digress.

During the past 7 days - up to the 1st of 2020 in the Santa Clarita real estate world, we have had some exciting changes.

First and foremost - let me cover the current real estate inventory that is on the market for sale.

You may be venturing out and surfing websites that have been built in order to sell your personal and private information to agents, lenders, grocery stores, big-box chains, home improvement warehouses, and others. 

If you are not seeing the listing on Santa Clarita home experts, it is probably not real.

What is a listing if it's showing up on another website, and not on Santa Clarita home experts?

It could be a "coming soon" listing that is not verifiable. Those listings that are being "pitched" without contracts in place or without a signed agent seller agreement. Will it ever be a real listing? 

Possibly. However, what you need to know is that sellers are not going to sell their home pre advertising and marketing in the multiple listing service - the MLS.

They won't. A home seller only has to ask a friend or family member who has sold a home where the buyer came from and they will, almost always, respond from another agent. 

Said agent acquired that buyer from their own sphere of influence or that home buyer found that listing on the MLS - which is connected throughout the Santa Clarita home expert website.

OMT before I move into the most current Santa Clarita real estate market news, no seller is going to sell their home before their home has hit and saturated the Multiple Listing Service.

It's because at that point their home has become Syndicated. Syndicated is what you want to be when it comes to selling something, a product or service. Including a home.

With my real estate radio talk show for Santa Clarita real estate, I pay for syndication. I pay iTunes, stitcher, radio.fm and other websites to take my radio show and spread it to the masses.

The same applies to the multiple listing service, the MLS. If you are looking at a non Santa Clarita home expert website and if you are seeing a home that is not listed as active on my website, don't fret.

At the moment it becomes available, you will be able to look at it and have us write you the offer if you like it enough to buy it.

For those sellers who had taken their agent's word for it and accepted an offer on their home before it was advertised and marketed properly, it happens and now you know!

Santa Clarita housing market at a glance January 7, 2020

Today is Tuesday and here is the breakdown for the Santa Clarita real estate market.

We have had over the past 7 days 8 new listings hit the Santa Clarita real estate market for sale.

I have been watching the Santa Clarita real estate market and have seen 7 homes that have had their prices changed. These price changes have been in a downward trend, FYI.

2 homes have re-entered the housing market as active and for sale. The reason this is important to a home buyer is most don't hire agents who will keep watch over listings they have seen and loved, where their offer was not accepted by the home seller over another.

If your agent is on the ball, they will keep watch and ensure they notify you if something happens like did in the two homes that were for sale, had accepted offers on each, but then fell out of escrow and have become active again.

Some may say that there was some type of issue discovered with those homes where the buyers canceled for their own good. Some type of malfunction or discovery.

You'd be surprised how often it's something else. Typically something else having to do with the home buyer and their ability to purchase said home. 

So hence a home buyer needs to be truly pre-qualified by a reputable lender. Not by one of those lenders who will listen to a few numbers provided by the buyer and write up a pre-qualification letter.

Pre-qualification letters, real ones, take time to produce if all the due diligence is adhered to by the real estate lender.

One home in the Santa Clarita Valley cities entered escrow with an accepted offer between the seller and the home buyer. Yes, this indicates that the housing market is still recovering from the holiday slump that we experienced in the Santa Clarita Valley which started before Halloween 2019.

7 homes have had their status changed to a more secure definition of being in escrow. 7 homes entered the pending status. On those homes in this status, the sellers and their agents have deduced no further showings are necessary and that their buyers are going to make it to the finish line, thereby closing escrow.

9 homes closed escrow during the past 7 days during this first week of January 2020 in Santa Clarita.

8 real estate listings in the Santa Clarita Valley did not sell within contractual timeframes and expired. If you were one of these sellers, I hope your Santa Clarita real estate agent prepared you for the other agents.

Did they? Did your agent tell you that you'd be called at all hours of the day and night? Did they tell you that it will be horrible and may not stop even months later? The other thing is that it doesn't matter if your agent used your phone number in the confidential section of the MLS to schedule a showing or not.

There are companies out there who make it their business to find out who you are and gather all they can about from your online and non-online history. 

One thing that you may be able to do is to make sure you call the FDNC - Federal Do not Call Registry. It's an actual .gov site. I copied and pasted the URL to the link. If you are going to surf for it on your own I'd suggest the query of Federal Do not Call list. Just make sure you are choosing a .gov website and look for the "lock" to be activated before the URL string so you know you are on a secure website.

Unfortunately, it's not like the clouds are going to part and just like that the calls will stop. Your action by placing your phone number on the FDC list will only stop some of the calls. And then you have the threat, "Hey, I'm on the FDC list!!!"

Kind of like standing in the middle of the street shaking your fist and yelling expletives :)

Where is 2020 going in Santa Clarita real estate

Focused on Santa Clarita real estateLots of listings will be coming our way during the 1st and 2nd quarter of 2020 within the Santa Clarita Valley. I say so because of the number of clients we had met within 2019, who was going to wait until 2020 to press the trigger and have us sell their homes.

If you look back to 2019 - the interest rate reduction caused people to refinance, not sell and buy again as some had hoped for.

That did a great job stalling the Santa Clarita real estate market with the lacking real estate inventory buyers had doubts on if they were going to be able to find a home to buy that fit their needs.

What did most of those buyers do? They signed new leases for a year or more.

That action continued to stall the Santa Clarita real estate market in 2019.

Moving forward, we are going to see that refinance inventory hit the market in 2020. We will also a very high buyer drive after Q2.

Most of those buyers are going to have more for downpayment than they did in 2019.

Those extra funds will assist with the costs of becoming a new homeowner.

If you are buying a home for the first time, you should expect there to be additional costs that you may not be experiencing as a tenant.

If the local has a Home Owners Association, HOA, that will now be up to you to pay. However, that plus your mortgage and insurance with the low-interest rates will most likely be lower than you are paying for rent.

Plus, you have the mortgage interest deduction on your taxes. So hence the benefit of homeownership.

Also, consider now that you own your own home, you don't call your landlord to fix something that breaks. During your first year, you will most likely call the home warranty company from the policy that was negotiated for you at the seller's expense.

If the item that needs to be fixed does not fall within the purview of those things covered by the home warranty, you will have to go it alone. If you are my client who has used the Santa Clarita home experts to purchase your residence, we had a discussion as to who you need to call first when something goes awry. That person is me so I can run interference between you and the home warranty co.

New Santa Clarita Homes the approach

Buying a new Santa Clarita HomeBefore visiting any new home center or new Santa Clarita builder community, call me.

The reason is so I am able to give you what you need to know before being confronted by a new home real estate agent. Those are hired and under the employ of the new home builder.

The truth is they are all pretty great. Some have done what I do and have done since 1998, representing buyers and sellers in re-sale working for a brokerage and being mostly self-employed.

Some only work for the new home builders due to the security it offers. Medical, dental, vision and other benefits. Also, much less money in the way of overhead.

But - Here is the BUT - If you go into the new home center and in any way identify yourself, you are stopped from being able to use your own agent in the new home purchase process.

You cannot have me negotiate for you. I am unable to get you discounts, incentives and further credits regarding your purchase of a new home.

Having me on your side when buying a new Santa Clarita or new home elsewhere in Southern California is very worth it because I cost you nothing. The new home builder pays me to represent my home buyers with new homes and new construction.

That costs you nothing and gives you all the benefits of my new home buying experience. I have visited all of the new home builders in the Santa Clarita Valley. When we have a new one enter the current market, I go and visit with them. I find out what it will cost to ultimately have my clients buy one of their new homes.

This will include mello roos taxes and other special assessments that would be horrible to close on one of these new homes without knowing.

Watching out and deciphering the fast talk provided by the new home builder's agent. That is job number one.

How much can the HOA increase in the future? What is the likelihood?

Great Question that gets asked by myself in front of my new Santa Clarita home buyer. 

Plus a whole bunch of other questions pertaining to the new home that may or may not be contained in the small print within all the tons of paperwork they throw at a new home buyer.

Preparing for Santa Clarita real estate in 2020 is the key

Prepare to buy a Santa Clarita HomeIf you have been contemplating buying a Santa Clarita home in 2020, give me a call.

My best first step for our homebuyers is to sit down or talk over the phone to develop a game plan and for me to ask the right questions that you may not have been asking yourself.

Buying a home is not for everyone. There are some people that should not be buying real estate.

Asking the right questions is very important.

There is also a volley of real estate lender/mortgage broker questions that will be necessary for me to impart to you. This way you will be getting your best deal on your loan and be able to identify any junk fees that will need to be dealt without before you pay them.

Just know that having to pay a higher interest rate than you should have been given over 30 years is not good. I will cover what you need to know to get the best interest rate when wanting to buy a Santa Clarita home.

When you are ready just reach out to me and I'm glad to present you the first official week in Santa Clarita real estate during 2020.

I'm Connor and It's my pleasure to have been able to present you this Santa Clarita real estate update.

Jan. 6, 2020

Money back to Santa Clarita home buyers

This is advertised in many ways on multiple websites.

Home Rebate Program / Realty Plus / Hero's Programs - ETC...

Santa Clarita home buyer grantsYou are a home buyer and want to buy real estate in the Santa Clarita Valley cities.

There are many websites, Credit Union Deals and other providers that will gladly give back some of their "preferred" agents commission to the home buyer.

Some actually offer MLS type websites where a homebuyer is told that they can search for the most accurate real estate listings.

Beware of those sites - Here is the actual Southland Regional Association of Realtors - SRAR website with access to Crisnet and of course it's mine, so no registration is required.

Connor with HONOR, Honors - REBATE's, concessions, money back and discounts from other companies if in writing! Anyone can pillow talk you in - make sure you get it in writing!!!

We cut out the middle person, plus the benefit of working with the Santa Clarita real estate experts has to do with us not owing anyone entity for our home buyer and seller referrals.

Here is an example. When you are working with a loan originator, lender, bank, credit union, mortgage broker, or home lender, it's nice to know if you are getting the shaft or a great deal.

If they are referring you to a "preferred" real estate agent, promising you part of said agent's commission in the form of a rebate towards your closing costs or given to you in some other "legal" way, said agent may not be very upfront when it comes to their charges, performance and track record.

It could be that the "referring party", the credit union, bank or mortgage broker may be giving you a horrible deal. Heck, if their "preferred agent" who is part of their network, dependent on the leads they provide, they won't dare tell you the truth.

I will tell you we have worked with several credit unions and lenders in their "preferred" networks. Do you know what I have found out? I have found that other lenders that we know make much better deals!

They have lower interest rates and fees. Their junk fees are not existent and they work after hours, on weekends and on holidays!

Plus, they are not "application only" communicators. They are real-live, on the phone or in person, people that are accountable and not hidden behind a shroud of organizational protection.

We do it differently and control the ball for the entire game

Santa Clarita real estate ballsI have the lenders that give massive discounts to our home buyers if they use us to purchase a Santa Clarita or Greater Los Angeles County home.

I have escrow officers and escrow companies which will honor our program discount when we are representing a home buyer is we can get the seller to work with our team of service providers.

We have other providers that also discount their services for our clients due to the sheer volume we pass along to the same "reputable" tried and true vendors.

Cash Back after closing?

This one is always being talked about online. Where agents and other types of real estate service providers, such as a lender, give money in the form of cashback after the transaction closes.

In some cases, a real estate client was simply overcharged in order to make this allowance appear as something special.

The client has not done their due diligence regarding their charges and they were taken in two ways.

They were taken, probably in the more expensive way, by being given a larger than necessary interest rate. Or the junk fee's were through the roof. These two items can equate to thousands of dollars of "extra" into a real estate lender or mortgage broker's pocket. 

The second way is in the form of a rebate. The money you are getting back was yours in the first place. Over time you are going to be paying out that money and more. If you have a 30-year mortgage, you are going to be paying for 30 years if you don't refinance nor sell the home.

Also, if you are given more than a certain amount, in cash, the giving entity is tasked with having to issue you a 10-99. It's a document that goes directly to the IRS so you can be taxed on that additional income. Income that you paid for by way of being overcharged in the first place.

Closing Costs Credit as the form of a rebate

Hey, this one works pretty well because everyone has to agree. The lender, the realtor, and the client has to agree that this is the way the "rebate" / "consideration" is going to be handled.

It's on paper, fully documented and if the real estate agent or lender wants to give up all of their earning in the form of credits to the buyer's closing costs - then so be it.

Just make sure if you are being promised credits such as these, you get it in writing. Remember, any extra monies that are given in the form of closing costs, go to the seller's pocket. Good to know - yes?

I am not a hard line in the sand type of person. I never have been when it comes to people wanting a break when doing multiple transactions with yours truly.

In fact, I'm completely honored to help. Some credit here equates to being referred to those in their periphery and so on.

At the end of the day I can pay google for PPC, or I can pay a client - I'd rather keep the money streaming to our clients for Santa Clarita real estate than in any other "interruption" marketing venue.

Santa Clarita city real estate home buyer grants

Yes, these come up from time to time. But as of this post in January 2020 are nonexistent.

There are various first time home buyer programs that are also talked about in order for a real estate agent or lender to obtain more business. These "programs" are typically just for show and really equate to no additional savings or benefits.

The way to know for sure if ask in writing about these programs that are being advertised and marketed.

Most will not lie in writing. So ask. Hey John, I was reading your blog about a grant program for first time home buyers. Would you please let me know what the benefits are and the details?

If "john" calls you instead of putting it in writing, that's cool. Just talk with him and follow up with him in an email.

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