Lisa Ashkins's Blog Posts

The Perfect Home Could Be the One You Perfect After Buying

There’s no denying mortgage rates and home prices are higher now than they were last year and that’s impacting what you can afford. At the same time, there are

Read More

50 tips to get ready for the rainy season

Article from the Nan Sterman, San Diego Union Tribune, December 2, 2023December is gift-giving time, and what better gifts to give your gardening besties (or yourself) than the opportunity to

Read More

Are the Top Three Housing Market Questions on Your Mind?

When it comes to what’s happening in the housing market, there’s a lot of confusion going around right now. You may hear one thing in conversation with your friends, see something

Read More

People Are Still Moving, Even with Today’s Affordability Challenges

If you're thinking about buying or selling a home, you might have heard that it’s tough right now because mortgage rates are higher than they’ve been over

Read More

Unpacking the Long-Term Benefits of Homeownership

If you’re thinking about buying a home soon, higher mortgage rates, rising home prices, and ongoing affordability concerns may make you wonder if it still makes sense to buy a home

Read More

When Can a High Mortgage Rate Turn into a Good Thing?

I often share this story with my first-time buyers, and I think the timing is right to share it with you. When I bought my first property here in San Diego in the late 1980’s (a brand new

Read More

August Market Report - Most Recent Data

Consider me your #1 resource for all things Real Estate! Ready to-Transition from renting to owning? Buy an investment property? Combine households? Upsize or downsize your current home? Sell

Read More

43 tasks in the September garden: Take stock of summer successes, plan for fall planting

Make sure you pick figs only when they are soft and ripe. (Getty Images)Warm, wet soil from a late-season soaking might imperil established plants; careful, consistent monitoring is keyBY NAN

Read More

Review of Assessment (Prop 8)

Article from:  San Diego CountyProposition 8 was passed by California Voters in November 1978. It provides for a temporary reduction in assessed value if the market value falls below the

Read More

How Inflation Affects Mortgage Rates

When you read about the housing market in the news, you might see something about a recent decision made by the Federal Reserve (the Fed). But how does this decision affect you and your

Read More

The True Cost of Selling Your House on Your Own

Selling your house is no simple task. While some homeowners opt to sell their homes on their own, known as a FSBO (For Sale by Owner), they often encounter various challenges without the

Read More

What Homebuyers Need To Know About Credit Scores

If you’re thinking about buying a home, you should know your credit score’s a critical piece of the puzzle when it comes to qualifying for a home loan. Lenders review your credit to

Read More

In the June garden, get ready for a warm, dry summer

Remove your water-thirsty lawn and replace it with drought-tolerant plants.(Getty Images)BY NAN STERMAN,  San Diego Union TribuneJUNE 3, 2023 5 AM PT Are you still waiting

Read More

Summer Heat is Coming - Wildfire Safety

Every year, wildland fires threaten hundreds of homes, causing millions of dollars in damage. Areas with an abundance of flammable vegetation and periods of dry, hot, windy weather are particularly

Read More

Tax Savings Programs

Adopted by California voters in 2021)Inheriting PropertyProposition 19, or the Home Protection for Seniors, Severely Disabled, Families and Victims of Wildfire or Natural Disasters Act, is a

Read More

Loan Level Pricing Adjustments & Credit Bank Changes - What You Need To Know

On May 1, Fannie Mae and Freddie Mac made changes to loan-level pricing adjustments (LLPAs) that have been applied to conventional loans since the Great Recession. Most conventional mortgages

Read More

What's the Difference Between a Home Inspection and an Appraisal?

If you’re planning to buy a home, an inspection is an important step in the process. It assesses the condition of the home before you finalize the transaction. It’s also a different step

Read More

Trying To Buy a Home? Hang in There.

We’re still in a sellers’ market. And if you’re looking to buy a home, that means you’re likely facing some unique challenges, like difficulty finding a home and volatile

Read More

Balancing Your Wants and Needs as a Homebuyer This Spring

Though there are more homes for sale now than there were at this time last year, there’s still an undersupply with fewer houses available than in more normal, pre-pandemic years. The 

Read More

Is it Really Better to Rent Than to Own a Home Right Now?

You may have seen reports in the news recently saying it’s better to rent right now than it is to own your home. But before you let that impact your decisions, you should understand what

Read More

NEW MEASURES THAT CUT THE COST OF FHA MORTGAGE LOANS ROLL OUT IN MARCH

The reduction could save 850,000 homebuyers and homeowners who have Federal Housing Administration loans an average of $800 this year.ARTICLE FROM: NBCNEWSThe Biden administration has 

Read More

Mission Hills' Weird History

I was doing some research and came across this article from February 5, 1998. Fun read! – LisaCOFFINS, GARDENS, AND WHITE FOLKS Author: Susan Vaughn, 1999, San Diego ReaderBefore

Read More

Retire? It Could Be Time To Make a Move.

IIf you’re thinking about retirement or have already retired in 2022, you may be planning your next steps. One of your goals could be selling your house and finding a home that more closely

Read More

Create Memories Not Holiday Waste

The holidays are a time of giving, so naturally deciding what to get others, and what you want in return, can be a challenge. Add on top of that, the consideration that many gifts will end up taking

Read More

Key Advantages of Buying a Home Now

There’s no doubt buying a home today is different than it was over the past couple of years, and the shift in the market has led to advantages for buyers today. Right now, there are

Read More

Your House Could Be the #1 Item on a Homebuyer’s Wish List

Each year, homeowners planning to make a move are faced with a decision: sell their house during the holidays or wait. And others who have already listed their homes may think

Read More

Meet Fannie Mae and Freddie Mac

Fannie Mae and Freddie Mac were created by Congress. They perform an important role in the nation’s housing finance system – to provide liquidity, stability and affordability to the

Read More

How Buying Down Your Mortgage Rate Works

One of the many advantages to Buyers in this market is the increased ability to negotiate with Sellers on the terms of their purchase. One of these terms is the interest rate on the Buyer’s

Read More

Are We Really in a 'Housing Recession'?

From: INMANThere seems to be a great deal of confusion between our current market conditions and those of the 2008-era housing crisis.A little while ago, a housing analyst was being interviewed

Read More

30 Smart Tips to Get Your Home Ready for Fall 2022

https://sandiegorealestatelab.com/2022/09/29/30-smart-tips-to-get-your-home-ready-for-fall/fall-2/" data-orig-file="https://gourbansandiegoblog.files.wordpress.com/2022/09/fall.jpeg?w=300" data-

Read More

Why It's So Important to Hire A Real Estate Pro

Consider me your #1 resource for all things Real Estate! Ready to-Transition from renting to owning? Buy an investment property? Combine households? Upsize or downsize your current home? Sell

Read More

Fire, Defensible Space, and You…

“The heat is on in San Diego. It’s important that we are all prepared for and protected from the ravages of our increasing fire seasons. Hope this provides some insight.” –

Read More

What Sellers Need To Know in Today’s Housing Market 2022

If you’re thinking about selling your house, you may have heard about the housing market slowing down in recent months. While it’s still a sellers’ market, the peak frenzy the

Read More

San Diego Has a Bigger Percentage of Million Dollar Homes Than New York City

The San Diego metropolitan area has one of the highest numbers of million-dollar homes in the nation. Pictured here is The Rady Shell at Jacobs Park.  (Nelvin C. Cepeda/The San Diego Union

Read More

The Dairies of Mission Valley

Before freeways, sports stadiums, and shopping malls . . . Special Collections, San Diego Public Library.When we look at Mission Valley today, and with Civita building out approximately

Read More

Two Reasons Why Today's Housing Market Isn't a Bubble

You may be reading headlines and hearing talk about a potential housing bubble or a crash, but it’s important to understand that the data and expert opinions tell a different story. A 

Read More

3 Important Real Estate Metrics To Watch

There’s a lot of noise out there right now about the health of the U.S. real estate market. While 2021 saw one of the busiest housing markets, predictions for what comes next seem to be almost

Read More