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San Diego Real Estate & Loan Network - Sell With Kell Learn and discover all of the tips and tricks within the Real Estate Industry.
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Kelly Marugg, REALTOR® & Loan Officer | United Real Estate San Diego | Equity Smart Home Loans Inc NMLS 856170 | DRE 01466477 | NMLS 1991072
Tips, Tricks & Hacks For Your Real Estate & Loan World! Kelly Marugg, Realtor and Founder of San Diego Real Estate Buyer and Seller Resource Network shares her knowledge and experience ensuring educated buyers and sellers.

Buying a home with someone else?A co-borrower may help with:✔️ Combining eligible income✔️ Sharing loan responsibility✔️...
10/14/2026

Buying a home with someone else?

A co-borrower may help with:
✔️ Combining eligible income
✔️ Sharing loan responsibility
✔️ Meeting certain qualification requirements

👉 Both borrowers' financial profiles may be considered.
Understand the responsibilities before applying together.

POV: Me getting for work! 🤣🤣🤣
10/14/2026

POV: Me getting for work! 🤣🤣🤣

What if the home appraises below the purchase price?Here are some possible next steps:✔️ Review the appraisal✔️ Discuss ...
10/13/2026

What if the home appraises below the purchase price?

Here are some possible next steps:
✔️ Review the appraisal
✔️ Discuss options with your lender
✔️ Negotiate with the seller
✔️ Explore additional funds, if needed

👉 Your options depend on your loan and purchase contract.
Know your options before making your next move.

Honoring History, Culture & CommunityToday is a day to reflect on our shared history, honor the rich heritage and enduri...
10/12/2026

Honoring History, Culture & Community

Today is a day to reflect on our shared history, honor the rich heritage and enduring resilience of Indigenous cultures, and appreciate the diversity that shapes our nation.

Wishing you and your family a safe, reflective, and meaningful holiday! 🌿

Warm wishes from our home to yours.

The October Advantage: Why Autumn Is the Last Great Window to Sell in 2026 🍂If you're thinking about selling your home b...
10/09/2026

The October Advantage: Why Autumn Is the Last Great Window to Sell in 2026 🍂

If you're thinking about selling your home before the end of the year, timing is everything.

Early October is the sweet spot. High-intent fall buyers are actively looking right now with one goal in mind: close and settle in before Thanksgiving and the holiday season. Properties launched in early October capture this motivated buyer pool, while homes listed in mid-to-late November often face the holiday slowdown and extended Days on Market.

The Winning Seller Strategy?

Fast-Close Readiness: Have your inspections, disclosures, and staging turnkey-ready so buyers can move quickly.

Sharp Day-One Pricing: Use hyper-local, data-backed pricing right out of the gate to drive urgency and attract competitive offers.

Beat the "Fourth-Quarter Freeze" and maximize your home's equity before the end-of-year shift! Let's build your October listing strategy today.

Your interest rate doesn't always stay the same automatically.A rate lock can help:✔️ Secure a specific rate✔️ Provide p...
10/09/2026

Your interest rate doesn't always stay the same automatically.

A rate lock can help:

✔️ Secure a specific rate
✔️ Provide payment certainty
✔️ Set a lock period
✔️ Reduce rate-change surprises

👉 Rate-lock terms and costs can vary by lender and loan.

Ask your lender when and how your rate is locked.

The appraisal is more than just a number.An appraisal helps evaluate:✔️ Property condition✔️ Comparable sales✔️ Market v...
10/08/2026

The appraisal is more than just a number.

An appraisal helps evaluate:

✔️ Property condition
✔️ Comparable sales
✔️ Market value
✔️ Property characteristics

👉 The appraised value can play an important role in the mortgage process.

Know what your appraisal means for your loan.

UNDER CONTRACT IN LA MESA! 🏡Big congratulations to my amazing clients! We just secured an offer on this beautiful single...
10/08/2026

UNDER CONTRACT IN LA MESA! 🏡

Big congratulations to my amazing clients! We just secured an offer on this beautiful single-story gem on Yale Avenue in La Mesa! 🎉

From the soaring vaulted ceilings and natural light to the paid-off solar panels and cozy backyard space, this turnkey classic was the perfect fit. Navigating competitive markets takes strategy and speed, and I am so excited for them as we head toward closing day!

Thinking about buying or selling in East County? Let’s make your real estate goals happen next!

Buying a home with help from family? Gift funds may be an option.Before using gifted money:✔️ Discuss it with your lende...
10/08/2026

Buying a home with help from family? Gift funds may be an option.

Before using gifted money:

✔️ Discuss it with your lender
✔️ Document the source
✔️ Follow program guidelines
✔️ Keep a clear paper trail

👉 Requirements can vary depending on the loan program.

Ask before moving the money.

That look you give when an unrepresented buyer wanders into the open house like a lost gazelle in the Serengeti... 🦁👀Don...
10/07/2026

That look you give when an unrepresented buyer wanders into the open house like a lost gazelle in the Serengeti... 🦁👀

Don't worry, I got you!

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8702 La Mesa Boulevard
La Mesa, CA
91942

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