San Diego Real Estate & Loan Network - Sell With Kell

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.

Your down payment isn't the only number that matters.Before buying a home, consider:✔️ Monthly payment✔️ Closing costs✔️...
08/31/2026

Your down payment isn't the only number that matters.

Before buying a home, consider:

✔️ Monthly payment
✔️ Closing costs
✔️ Property taxes
✔️ Insurance
✔️ Emergency savings

👉 A comfortable home budget should leave room for real life, too.

𝗠𝗼𝗻𝗱𝗮𝘆 𝗠𝘆𝘁𝗵𝘀 𝘃𝘀 𝗙𝗮𝗰𝘁𝘀 𝘄𝗶𝘁𝗵 𝗞𝗲𝗹𝗹!Thinking about waiting until after Labor Day to start your San Diego home search? Here i...
08/31/2026

𝗠𝗼𝗻𝗱𝗮𝘆 𝗠𝘆𝘁𝗵𝘀 𝘃𝘀 𝗙𝗮𝗰𝘁𝘀 𝘄𝗶𝘁𝗵 𝗞𝗲𝗹𝗹!

Thinking about waiting until after Labor Day to start your San Diego home search? Here is why sitting on the sidelines might backfire as we enter autumn!

❌ MYTH: "Buyers should wait until after Labor Day when a massive wave of new inventory will hit the San Diego market."

✅ FACT: Autumn in San Diego brings tighter, highly selective inventory—not a flood of choices. Waiting for rate cuts means competing against a huge wave of sidelined buyers. Every 1% drop in interest rates unlocks roughly 10% more purchasing power, which immediately triggers intense buyer competition and pushes prices right back up!

The Takeaway:

For Buyers: Marry the house, date the rate. Purchasing now gives you inventory leverage and negotiating power—you can always refinance when rates drop later.

For Sellers: Serious buyers are out right now before fall competition picks up. Pricing accurately today positions your home to win.

DM me today if you want to map out your purchasing power before the fall buyer rush hits.

Why Smart Buyers Strike Right Before Labor Day?While most buyers pause their search for back-to-school routines and holi...
08/28/2026

Why Smart Buyers Strike Right Before Labor Day?

While most buyers pause their search for back-to-school routines and holiday plans, savvy house hunters strike.

Late August creates a brief, quiet window with lower open-house competition. It’s your best chance to negotiate clean offers, price cuts, or seller concessions on lingering late-summer inventory before autumn buyers re-enter the market!

💡 The Game Plan:

Buyers: Target homes sitting past 20+ days to write high-leverage offers with far less competition.

Sellers: Active buyers right now are ultra-motivated—price sharp to lock in a fast, solid autumn closing.

Don't wait for September. DM now and let’s capture your deal this weekend!

The right time to talk about a mortgage is before you find the house.Starting early gives you time to:✔️ Review your cre...
08/28/2026

The right time to talk about a mortgage is before you find the house.

Starting early gives you time to:

✔️ Review your credit
✔️ Understand your budget
✔️ Gather documents
✔️ Explore loan options
✔️ Plan for your cash-to-close

👉 You don't have to wait until you find your dream home to start preparing.

A little preparation today can make the home-buying process easier tomorrow.

Family is at the heart of everything I do! 🏠❤️There is nothing more rewarding than putting in the hard work behind the s...
08/27/2026

Family is at the heart of everything I do! 🏠❤️

There is nothing more rewarding than putting in the hard work behind the scenes to help a sweet family reach their goals and move into a home they truly love. My team and I go to bat for our clients every single day, and making those dreams a reality is what it’s all about.

Ready to make a move that fits your family's future? DM me!

Your credit score is only part of the lending picture.When applying for a mortgage, lenders may also look at:✔️ Income✔️...
08/27/2026

Your credit score is only part of the lending picture.

When applying for a mortgage, lenders may also look at:

✔️ Income
✔️ Employment history
✔️ Debt
✔️ Assets and savings
✔️ Payment history

👉 A credit score matters, but it doesn't tell the whole story.

Understanding your complete financial picture can help you prepare before applying.

Always remember before buying a home:Get pre-KOALIFY before falling in love with a home! .. 🏡🐨
08/26/2026

Always remember before buying a home:

Get pre-KOALIFY before falling in love with a home! .. 🏡🐨

Getting pre-approved is more than knowing what you can afford.A pre-approval can help you understand:✔️ Your estimated b...
08/26/2026

Getting pre-approved is more than knowing what you can afford.

A pre-approval can help you understand:

✔️ Your estimated buying power
✔️ Your potential monthly payment
✔️ What loan options may fit
✔️ What you may need for closing
✔️ What price range makes sense for you

👉 Knowing your numbers early can make the home-buying process much smoother.

Preparation can give you confidence when you're ready to make an offer.

𝗧𝘂𝗲𝘀𝗱𝗮𝘆 𝗕𝘂𝘆𝗲𝗿 𝗧𝗶𝗽𝘀!Thinking about taking a break for the holiday? This week is actually your best opportunity to make a ...
08/25/2026

𝗧𝘂𝗲𝘀𝗱𝗮𝘆 𝗕𝘂𝘆𝗲𝗿 𝗧𝗶𝗽𝘀!

Thinking about taking a break for the holiday? This week is actually your best opportunity to make a deal.

Sellers whose homes haven't sold by this final week of August know that foot traffic drops significantly over Labor Day weekend. Eager to avoid sitting on the market through fall, many sellers hit peak anxiety right now—giving active buyers major negotiation power.

Here are 4 reasons to strike this week:
⏳ Peak Seller Urgency: Sellers are anxious about their listing going stale. They would much rather secure a solid buyer before the three-day weekend than risk lingering on the market until October.

💰 Unlocking Rate Buy-Down Credits: Anxious sellers are far more willing to offer closing cost credits or fund a 2-1 temporary rate buy-down to lower your monthly mortgage payment.

🛡️ Zero Bidding War Pressure: With other buyers packing for weekend trips, open house crowds thin out—letting you keep standard inspection and appraisal protections without fighting off multiple offers.

📉 Leverage "Recent Price Drop" Listings: Homes that adjusted their prices this month signal sellers who are ready to cooperate and write a deal today.

Don't wait for fall—strategy beats timing! 📈

DM me if you want a curated list of San Diego homes on the market for 30+ days and prime for negotiation.

A lower monthly payment doesn't always mean a better loan.When comparing loan options, look beyond the monthly payment a...
08/24/2026

A lower monthly payment doesn't always mean a better loan.

When comparing loan options, look beyond the monthly payment and consider:

✔️ Interest rate
✔️ Loan term
✔️ Closing costs
✔️ Total interest paid
✔️ Your long-term plans

👉 The best loan isn't always the one with the lowest payment.

Look at the full picture and choose the option that fits your financial goals.

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8702 La Mesa Boulevard
La Mesa, CA
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