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.

Buying a home comes with more than the purchase price.Closing costs may include:✔️ Lender fees✔️ Title fees✔️ Appraisal✔...
09/29/2026

Buying a home comes with more than the purchase price.

Closing costs may include:

✔️ Lender fees
✔️ Title fees
✔️ Appraisal
✔️ Prepaid taxes & insurance
✔️ Other closing expenses

👉 Planning ahead can help avoid surprises.

Know what you're paying for.

𝗧𝘂𝗲𝘀𝗱𝗮𝘆 𝗕𝘂𝘆𝗲𝗿 𝗧𝗶𝗽𝘀!Notice a sudden surge of "Status Changes" on San Diego listings this week? Here is how to turn a canc...
09/29/2026

𝗧𝘂𝗲𝘀𝗱𝗮𝘆 𝗕𝘂𝘆𝗲𝗿 𝗧𝗶𝗽𝘀!

Notice a sudden surge of "Status Changes" on San Diego listings this week? Here is how to turn a canceled listing into your dream home.

September sellers whose homes sat past 30–45 days without an offer are pulling their properties off the market right now. They aren't giving up—they are preparing to re-price, refresh photos, or add seller concessions before a fresh October relaunch.

Smart buyers don't wait for these homes to hit the public market again. Striking during this temporary pause gives you an exclusive, non-competitive advantage!

Here are 4 reasons to target the "Relist" window this week:

🚫 Bypass Fresh Competition: Once a home relists with a lower price tag in October, open house traffic resets. Reaching out off-market lets you negotiate before other buyers even notice it is back.

💳 Negotiate Seller-Paid Rate Buy-Downs: Anxious sellers preparing for a Q4 relaunch care about monthly affordability. They are far more likely to grant seller credits (like a 2-1 rate buy-down) to lock in a deal today.

🏙️ Prime Opportunities in the Attached Market: San Diego condos and townhomes are averaging longer days on market (40+ days). Sellers in this track are especially eager to negotiate terms rather than sit through winter.

🛡️ Keep Your Contingency Protections: Motivated end-of-month sellers prioritize closing certainty over aggressive waivers. You can keep standard inspection, appraisal, and financing safeguards intact.

Don't wait for headline price drops. Always, strategy beats timing!

Wondering if it’s time to buy instead of rent?Consider:✔️ Monthly housing costs✔️ How long you plan to stay✔️ Your savin...
09/28/2026

Wondering if it’s time to buy instead of rent?

Consider:

✔️ Monthly housing costs
✔️ How long you plan to stay
✔️ Your savings
✔️ Future financial goals

👉 There’s more to the decision than just the monthly payment.

Know your numbers before making the move.

𝗠𝗼𝗻𝗱𝗮𝘆 𝗠𝘆𝘁𝗵𝘀 𝘃𝘀 𝗙𝗮𝗰𝘁𝘀 𝘄𝗶𝘁𝗵 𝗞𝗲𝗹𝗹!❌ MYTH: The entire San Diego housing market moves together, so if overall prices are up,...
09/28/2026

𝗠𝗼𝗻𝗱𝗮𝘆 𝗠𝘆𝘁𝗵𝘀 𝘃𝘀 𝗙𝗮𝗰𝘁𝘀 𝘄𝗶𝘁𝗵 𝗞𝗲𝗹𝗹!

❌ MYTH: The entire San Diego housing market moves together, so if overall prices are up, everything is selling high.

✅ FACT: Detached single-family homes are up over 4–5% year-over-year (~$1.12M–$1.15M median), while condo and townhome prices have flattened or dipped (~$670K) due to rising HOA and assessment costs.

In today’s market, broad headlines don't tell the whole story.
It’s about understanding the unique micro-market dynamics between single-family homes and attached properties.

The takeaway?
Strategy beats timing.
Every. Single. Time.

Thinking of buying or selling in San Diego this fall? DM me! Let’s look at the actual numbers for your specific neighborhood and property type.

Your mortgage payment may be more than principal and interest.Your monthly housing payment may include:✔️ Principal✔️ In...
09/25/2026

Your mortgage payment may be more than principal and interest.

Your monthly housing payment may include:

✔️ Principal
✔️ Interest
✔️ Property taxes
✔️ Homeowners insurance
✔️ HOA dues, when applicable

👉 Understanding the full monthly cost can help you set a realistic home budget.

Look beyond the mortgage rate—know the full payment.

A large deposit in your bank account? Your lender may ask about it.During the mortgage process:✔️ Keep records of large ...
09/24/2026

A large deposit in your bank account? Your lender may ask about it.

During the mortgage process:

✔️ Keep records of large deposits
✔️ Know where the funds came from
✔️ Keep supporting documentation
✔️ Ask your lender before moving funds

👉 Clear documentation can make the verification process easier.

Keep your money trail easy to explain.

Helping clients achieve their real estate goals with top-tier marketing and clear communication is always the top priori...
09/24/2026

Helping clients achieve their real estate goals with top-tier marketing and clear communication is always the top priority.

Ready to take the first step toward buying your first home? Whether you’re buying, selling, or looking at financing options, DM me!

One loan program doesn't fit every homebuyer.Depending on your situation, you may want to explore:✔️ Conventional✔️ FHA✔...
09/23/2026

One loan program doesn't fit every homebuyer.

Depending on your situation, you may want to explore:

✔️ Conventional
✔️ FHA
✔️ VA
✔️ USDA
✔️ Other financing options

👉 Your income, credit, property, and financial goals can all play a role.

The right loan starts with understanding your options.

Don't wait and get those offers in ASAP! 🤣🤣🤣
09/23/2026

Don't wait and get those offers in ASAP! 🤣🤣🤣

Your credit card balance can affect your mortgage plans.Before applying, consider:✔️ Paying bills on time✔️ Keeping bala...
09/22/2026

Your credit card balance can affect your mortgage plans.

Before applying, consider:

✔️ Paying bills on time
✔️ Keeping balances manageable
✔️ Avoiding unnecessary new accounts
✔️ Reviewing your credit report

👉 Small financial habits can matter when you're preparing for a mortgage.

Take care of your credit before you need it.

Address

8702 La Mesa Boulevard
La Mesa, CA
91942

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