Chris Spade: A Pulse on San Diego's Real Estate
By Chris Spade
Chris Spade: A Pulse on San Diego's Real EstateJun 13, 2018
CFPB Warns Mortgage Services: Do Better!
The forbearance and foreclosure moratoriums are set to end--and the CFPB says to servicers--do you job. What does that mean for the home borrower? Take a listen.
Questions about your mortgage, call me at 619-818-2992. I'd love to help you.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 164--Forbearance repayment option
The forbearance time period is about to end and you need to know what your repayment options are. Today we talk about what those options are and what you can expect.
Have questions about your mortgage? Call me at 619-818-2992. I'm happy to answer those questions for you.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 163. Forbearance is ending, now what?
Under the CARES Act the deadline for mortgage forbearance is ending. What you need to know before you get caught off guard. The best thing I can recommend....answer you phone!
Take a listen to what you need to know and as always if you have any questions, please reach out to me. I want to be your resource. My cell is 619-818-2992.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 162 The Do's and Don't of getting a home loan
Are you ready to make 2021 the year that you buy a home? If you are, there are some things that you can start doing now to make that process easier. Take a listen and check out what they are.
Questions? Call me at 619-818-2992. I'd love to help you.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 161. Tips to budget so you can buy a home.
That dreadful "B" word that no one likes to talk about--Budget. Let's face it, if you want to do right by your credit and buy a house it's the only way to go. Budgeting takes some work and discipline but if done correctly, it can help you save for a downpayment--FAST!! To see where you might be spending more than you should, take a listen, you might be surprised with how much you can save.
Questions? Feel free to reach out to me at 619-818-2992. I'd love to help.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 160 The Five tips to improve your credit score in 2021
Nobody likes it, but let's face it, in order to buy a home you need to show the lender that you're a good credit risk. The higher the score the less of a risk, the lower the score the higher the risk.
Well, there are five things that you can do to help change the factor of your credit score. We go over those, plus the things that make up your credit score to help you get in a better position to buy a home. Remember, buying a home is a marathon, not a sprint. Questions? Call me at 619-818-2992. I'd love to help you out.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 159 December 2020 Real Estate Stats are out and it's going to blow you away
Well, the numbers don't lie. The real estate market is on fire. We are seeing a increase of over $100,000 in just one year. Take a listen to where the numbers are at.
Questions, call me at 619-818-2992. I'm happy to go over them with you.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 158--The 18 things you can do right now to get your home ready to sell in today's market
Let's face it, right now, there are less than 3000 homes on the market in San Diego County. That means that sellers are in the driver's seat. Be wary though, buyers, they aren't fooled. They know what a good value is and what's not. Today, we talk about the 18 things that you can do to get your home sold in this market.
Questions? Call me at 619-818-2992. I'd love the opportunity to speak to you.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 157--San Diego: Should I sell my home during the holidays?
To sell or not to sell during the holiday's that is the question. There are a lot of people who think, "why on earth would I sell my home during the holidays?" Well, I'm here to tell you that you may want to think twice. Today, we go over the four reasons you will want to sell your home during the holiday,
Questions about selling your home? Call me at 619-818-2992. I'd love to chat with you.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 156--It's Fire Season, are you prepared with your insurance?
This fire season has been devastating for California. Since January there have been an estimated 8,100 wildfires across the state, and 96,000 residents displaced from their homes. Today, we talk to State Farm Agent Dorian Brewer about what you need to know to see if your home has enough insurance on it, incase you are caught in a firestorm.
Questions about buying a home, selling a home or investing in real estate? Call me at 619-818-2992. I'd love the opportunity to chat with you.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
What foreclosure looks like from a title insurance standpoint
Black knight is reporting that there are four million Americans in forbearance across the US. Many of those borrowers are now in the foreclosure process. As of right now in San Diego, there are approximately 90 properties in the county that are up for foreclosure. If you are one of those who are in forbearance and unemployed you may want to check out this podcast. Be armed with information.
If you have questions about your mortgage, call me for a private, confidential consultation at 619-818-2992.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 154 The San Diego Foreclosure Timeline
I hate to be the one to have to tell you this, but there are going to be foreclosures in California. It's a fact of life. The majority are going to come from landlords who will be losing their rental properties because of the eviction moratorium. So, if there is a moratorium on evictions, why not on foreclosures? Well, that's a good question. Today, the government aka the White House stepped in and put a halt to evictions. Now, while in no way am I condoning a swift kick in the keester during a pandemic, you have to understand that this is just kicking the can down the road. At some point, if renters do not pay their mortgage, they will be kicked out of their homes.
If you are a landlord facing foreclosure, what are your options? We go over what you can do. Even if you aren't a landlord, there are options you have to saving your home. Take a listen and if you'd like to sit down and talk about your options in further detail, feel free to reach out to me at 619-818-2992.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
EP 153--San Diego Evictions--the next wave in a real estate crash?
In March, the Mayor and Governor declared a state of emergency due to Covid-19. They also but a temporary ban on evictions. Now, renters who cannot pay, this is a good thing, hoping that they will be able to get above water--meantime, there landlords who aren't able to make their mortgage payments.
This is where I think will be a huge glut of inventory--in the multiunit market. Today, we talk about when that will likely be and if you are a renter--what you have to do to prove hardship.
Questions? Call me at 619-818-2992
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 152---Where is San Diego's Economy going?
Governor Newsom has closed down businesses once again and that's got many people upset. That's also leaving some people wanting answers. Can you blame them?
When the CARES act was passed--homeowners were allowed to put their mortgage on pause. That allowed people to get. breather. The challenge is most people did not read the fine print on the paperwork they were signing and now, they're having a balloon payment due. In today's show we go over what that is, what it means and what you need to know.
Are you in forbearance and have questions? Call me, I'd love to chat. Also, send me a text or email for my Forbearance Survival Guide. 619-818-2992
cmspade@gmail.com
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 151 --Staging works! Hear it from the expert
Should you stage your home to sell? Well, I've always been a big proponent of staging homes. Why? They sell faster. Staging a home is like getting ready for a wedding. You want the bride to look good when she's about ready to walk down the aisle and have everyone in awe. Selling a home that is staged is much like that.
Today, we sit down with Danni Kaplan from Everything Creative Designs and talk about what makes her company unique and how far they have come since the started the business.
For questions on staging your home, call Danni at 858-693-4907.
For questions on buying a home, selling a home or investing in real estate, call me at 619-818-2992.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 150--How to keep your DIY projects on a budget
Keeping on our theme this week, how do you do DIY projects on a budget. That's the focus of today's podcast. Find out some simple things you can do to stay the course when it comes to your finances.
Questions? Call me, I can be reached at 619-818-2992.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 149--How to feed a family of 4 on $50 dollars a week!
Millions of Americans are without an income and many are wondering where their next meal is going to come from. Well, the truth is stretching your dollar isn't easy and now more than ever it's super important. Today we talk about some tips and tricks on how to feed a family of four on $50 a week.
Do you have any extra money saving tips? Give me a call. I'd love to include you in on it. Meanwhile, if you have any questions about real estate, check in. I'm here for you. Call me at 619-818-2992.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 148--Selling your house while going through a divorce.
Quarantine is getting a little too cozy for a lot of people and right now my phone is starting to ring off the hook about getting a divorce. On today's podcast we talk about some of the things I think you should consider when it comes to selling your home during a divorce.
Questions about selling your home during a divorce? Call me at 619-818-2992
Chris Spadew
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 147--Why you may not want to do a forbearance on your mortgage. A conversation with Wes Shaw from Movement Mortgage
There has been a lot swirling around about whether or not it's a good idea to do a forbearance on your mortgage. Initially, in the beginning, it sounded like a good idea but as the weeks have trailed along, we've come to realize, it's not a good idea. Today, I sat down with Wes Shaw from Movement Mortgage to talk about why you may want to think twice before you put your mortgage on hold.
Make not mistake, if you can't afford to make the payment, definitely take the options your servicer is offering, however, know what you are getting into before you agree to anything.
For more information on this you can reach out to me at 619-818-2992 or you can call Wes Shaw at Movement Mortgage at 858-888-5270.
CA-DBO272036 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by CA Department of Business Oversight under the California Residential Mortgage Lending Act # 4131054. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Movement Mortgage” is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company. 8024 Calvin Hall Rd, Indian Land, SC 29707.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 146--The First Bank Falls amid Coronavirus and How to Make your Workspace Work For you
A small West Virginia Bank is the first bank to take a tumble amid the coronavirus. What really happened and why we need to keep an eye on any bank going under at this time.
Plus, how to make your workspace work for you. the top things that you can do now to make sure you have your most productive day possible.
Questions about real estate? Call me at 619-818-2992. I'd love the opportunity to chat with you.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Music Courtesy of Epidemic Sound: https://www.epidemicsound.com/track/heRh3yZqaU
Ep 145--Read the fine print from your lender
Good Morning!
Not all lenders are created equal when it comes to helping during covid-19. In a letter obtained by a colleague --this lender is requiring a balloon payment after 90 days. Make sure you read the letter. I talk more about this and why it could be more confusing down the road.
Questions? Call me at 619-818-2992
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 144--Are short sales possible during this time of the Coronavirus?
I got asked a question yesterday, is it possible that we will be seeing more short sales during the Coronavirus. Why I think we could and what might push us there.
Questions about your home in this crazy market? Call me at 619-818-2992. I'd love the opportunity to help answer your questions
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 143--Why the Governor named Real Estate an Essential business and the Restaurants selling groceries
There has been a lot of flack over the last couple days about why the governor has named real estate agents essential. Some are criticizing the industry for being greedy and only looking out for the dollar. Today, we share some stories of why some people MUST sell or buy NOW!
Also, did you know there are 20 San Diego Restaurants open to sell you groceries? Yep, it's true. We talk about the San Diego Restaurants up and down the coast where you can get groceries. In fact, you can find the list of restaurants, here: https://sandiego.eater.com/maps/san-diego-restaurants-market-grocery-pantry-staples?fbclid=IwAR0mNF3weeZyVIXK0_ve6EB1QMl5mO6zdDiJoBDadMqgnVUxFd-ai1y--uk
Questions about buying a home, selling a home or investing in real estate? Call me at 619-818-2992. I'd love the chance to talk to you about it.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 142--California is back open for business--and restaurants we can support now!
Late Saturday night, the governor said real estate agents can go back to work. What it means now that we are an essential business and how we are still making your safety a top priority.
Plus, so much good food in San Diego, the restaurants we are missing--and how you can support them. That's what we are talking about today.
Questions about real estate in this crazy time? Call me, I'd love to show you how we can help you reach your goals.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 141--What banks are doing with appraisals during the Coronavirus
The banks are making sure you stay safe. What they are doing to help keep everyone healthy during the Coronavirus. What you need to know.
Plus, some updates when it comes to buying a home, selling a home or investing in real estate in this new market. The top things that you need to know that, will probably change tomorrow. :)
Questions about navigating this market? Call me at 619-818-2992. I'd love to trouble shoot with you.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 140--Mortgage Relief for those affected by Coronavirus
There is help out there. If there is any good news to come out of what's happening with the coronavirus--Mortgage Relief! If your home is backed by Fannie Mae or Freddie Mac, you can get put off mortgage payments for up to 12 months. This isn't automatic. You must call your servicer.
Questions? Call me at 619-818-2992. I can help you answer any questions you may have.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 139--Real Estate is NOT Essential
The State of California has determined that real estate is NOT an essential service. So, what does this mean if you are a buyer or seller who has an immediate need? The short answer is, I don't know.
Today, we talk about the what if's and want to know where you stand on the issue.
Questions? Call me at 619-818-2992
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295599
Ep 138--The New Way to do Real Estate --Virtual Open Houses
The coronavirus has literally changed the way real estate agents are doing business. In fact, open houses, have been wiped away. So, how are real estate agents revamping this once popular way to sell homes? We talk about that and how I'm helping keep the community safe in the midst of this chaos.
Questions about real estate in this uncharted territory? Call me. I'd be happy to answer your concerns. I can be reached at 619-818-2992.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 137: California is under a "Stay at home order". What does that mean for San Diego Real Estate
Are you in escrow now? Are you wondering how this is going to affect you and your purchase or sale? Don't worry we go over all that. This is not a mandatory lockdown. What does it mean for the future?
Questions? Call Chris Spade at 619-818-2992
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 136--The Protection for Buyers and Sellers during the Coronavirus.
Are you thinking about buying a house in this market? Are you scared about what might happen if you lose your job? Well, this should put your mind at ease. The California Association of Realtors just came out with the Covidvirus Addendum to California purchase agreements. Today we take a look at what the addendum is and what it means for your real estate transaction.
Questions about the new Covidvirus addendum? Give me a call, I'd love to chat with you. I can be reached at 619-818-2992
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 135--How you can save money in this recession and relief for tax payers
We are in an economic crap storm for sure. So what can you do now, to curb your spending? Today, we talk about next steps and how you can quickly cut money from your budget in just a few minutes. Also, we talk about resources and what can be done if you are in need of assistance.
Also, how the government plans on putting money into the hands of the public and relief for tax payers. That and more on today's podcast.
If there is anything I can do to help, feel free to reach out to me at 619-818-2992. I want to be a resource for you. I know a lot of people and if there is anything, I may be able to point you in the right direction.
Call me at 619-818-2992.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
What does the Fed Rate cut mean for mortgages
What does it mean for mortgages now that the fed has cut the interest rate to zero? Does this mean that I get to buy a home with zero percent interest? The short answer? No. We talk why that's the case but we also talk about what it means for mortgage interest rates and what's next.
Plus, we go over what's happening with the changing coronavirus and what it means for real estate. Yes, we are entering unchartered territory. What does this all mean. We talk about that too.
Questions? Call Chris Spade at 619-818-2992. I'd love the opportunity to chat with you.
Chris Spade
Keller Williams
CA BRE #01785713
CA BRE #01295699
Ep 133--How the Coronavirus will affect the real estate market
We are living in uncertain times and we aren't sure what's happening with the real estate market, myself included. I can only tell you, what I think is going to happen. That's why, I'm going to be giving you the best guesses that I have when it comes to real estate. Do we know what's going to happen long term, I'm afraid not, but what we do know is that the dynamic is changing rapidly. Stay tuned in the coming weeks and we will do our best to break this all down.
Chris Spade is a REALTOR with Keller Williams San Diego Metro. He has been practicing real estate for 13 years. For questions call Chris at 619-818-2992.
Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
CA BRE #01295699
Ep 132--San Diego Housing Stats
Today, we go over the San Diego Housing Stats--and what it's like to buy a home while selling a home. We go over what you need to know.
Buying or selling a home? Call me at 619-818-2992.
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Ep 131--Expired Listings are getting Crazy!
EP 130--What to do in this buyer's market
Questions? Call me at 619-818-2992.
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Ep 129---40 Financial savvy moves if you're over 40
Questions or ideas for the podcast? Call me at 619-818-2992. I'd love to turn your questions into a podcast.
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Ep 128--Tips for sellers to survive changing market
Questions about real estate? Call me. I'd love to put you on the show. 619-818-2992
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EP 127--Debt Collectors inflating what you owe. How to stop them
Plus, the housing market is slipping. It's never been a better time to be a buyer. What you need to know about the housing bubble that's looking to burst.
Questions about real estate? Call me at 619-818-2992. I'd love to turn your questions into a podcast.
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EP 126-- The Five Takeaways from 2018 Housing Market
Questions about real estate? Call me. I'd love to turn your questions into a podcast. My cell is 619-818-2992.
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Ep 125--Debt collectors calling before your bills are due
Questions about real estate? Call me at 619-818-2992. I'd love to turn your questions into a podcast.
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EP 124--How to Prevent Dryer Fires!
Questions about real estate? Call me at 619-818-2992. I'd love to turn your questions into a podcast.
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Ep 123--The four signs of a shifting real estate market
Questions about real estate? Let's turn your questions into a podcast. Call me at 619-818-2992.
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Ep 122--Get your finances recession ready
Plus, what are you suppose to have in the hardship letter in a short sale. We talk about that coming up.
Questions about real estate? Call me at 619-818-2992.
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EP 121--What is a Certified Distressed Property Expert
Questions about real estate or personal finance? Call me. I'd love to turn your questions into a podcast. 619-818-2992
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Ep 120--The looming recession? Could it be worse than the last?
Plus, we talk about selling your home on your own. The mistakes most For Sale By Owners Make and what you need to know before you think about selling your home.
Questions about real estate? Call me. Let's talk about it so we can turn your question into a podcast.
My cell is 619-818-2992.
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EP 119--7 tips to Halloween Proof your home
Questions about real estate? Call me. I'd love to turn your questions into a podcast. I can be reached at 619-818-2992.
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Ep 118--Eleven reasons to sell during the holidays
Questions about real estate? Call me at 619-818-2992. I'd love to turn your questions into a podcast.
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Ep 117--The shifting real estate market
Questions about real estate? Call me at 619-818-2992
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Ep 116--A recession is a comming!
Questions about buying a home, selling a home or investing in real estate? Call me!
I can be reached at 619-818-2992. CA BRE #01785713 CA BRE #01295699