Christina Harmon - The Harmon Agency

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Christina Harmon - The Harmon Agency

The Harmon Agency

Email: christina@theharmonagency
Website: theharmonagency.com

As a lifelong resident Harmon has a deep understanding of the California housing market and its in and outs. She's represented both buyers and sellers in over 6 counties and has personally sold over $100 million dollars worth of SoCal real estate. Throughout her time at Sotheby’s International, Harmon became known for her exceptional service and ability to foster long-term relationships. Those ski

lls coupled with her 15+ years of experience in high volume sales led her to form The Harmon Agency, a concierge brokerage firm located in Laguna Beach, CA. Through her own full-service brokerage Christina continues to serve her clients as an agent, while also providing in-house design services. Her integrity, authenticity, and ability to expedite deals seamlessly has led her to a loyal clientele that has grown with her. Many of her clients are now looking to her as they purchase 2nd and 3rd homes, as well as investment properties. As an investor herself, Harmon understands the intricacies of building a real estate portfolio, leveraging wealth, and establishing sources of passive income. Harmon is a 2nd generation broker, and she credits her father for not only piquing her interest in real estate but for instilling in her the strong work ethic that serves her so well today. Harmon graduated from UC Irvine with a degree in International Studies and loves living in Laguna Beach with her family.

06/06/2023

Introducing 1687 Monarch 17 W. in Costa Mesa, California – a breathtaking three-level townhome that epitomizes the perfect blend of comfort and style. With three spacious bedrooms, five baths, and its impeccable design built in 2018, this gorgeous property offers an excellent investment opportunity with high rental rates. Alternatively, it provides a serene haven for those seeking a work-life balance in the heart of Costa Mesa. Imagine the convenience of having Trader Joe's just across the way and enjoying a refreshing bike ride to the beach. This townhome truly captures the essence of coastal living!
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3 bed | 3 bath | $1,495,000
1687 Monarch,
Costa Mesa, CA

Listed by:
Christina Harmon
DRE #01706570

The Harmon Agency
DRE #02146429
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12/16/2022

Thinking about buying a home? Don't forget to ask your lender these important questions before choosing your mortgage program:

- What are the different mortgage programs available to me and what are the key differences between them?
- Can you help me compare the costs and benefits of each program?
- What are the eligibility requirements for the different programs and do I meet them?
- What are the current interest rates for the programs I'm interested in and how do they compare to the market average?
- What fees and closing costs are associated with each program and how can I minimize them?
- Can you help me estimate my monthly payments under each program and how they might change over time?
- What other factors should I consider when choosing a mortgage program and how can you help me make an informed decision?

At the end of the day, choosing the right mortgage program is an important decision that can have a big impact on your financial future. By asking your lender the right questions and doing your homework, you can find a program that fits your needs and budget. And with a little help from your lender, you can be well on your way to becoming a proud homeowner.

12/11/2022

It’s true that renting has its perks, such as flexibility and the ability to avoid the responsibilities and costs associated with owning a home.

However, it is also true that monthly rent payments can be considered similar to paying 100% interest, as the money you pay in rent is not building equity or providing any long-term financial benefit.

When you buy you get:

-An appreciating investment (existing-home sale prices rose 14.6% in 2021! According to the National Association of Realtors)
-Increasing equity (every month, the bank owns less of your home, and you own more.)
-Predictable housing costs (a fixed-rate mortgage will never change)
-Advantages come tax time
-Freedom to personalize however you choose

In almost every situation, it pays to buy vs. rent. If you want to talk more and run the numbers? Leave a comment or get in touch. 💕

12/09/2022

We are beyond excited to announce the newest member of our team: Arlene Woolley ✨

The Harmon Agency prides itself on delivering the highest possible standard of service. For over fifteen years, Arlene has managed her own rental + vacation properties throughout California as well as out of state and has become an expert in operating profitable rentals. From finding the right property to full remodels, Arlene is well-versed in real estate investments and shares her vast knowledge with her clients. With the Harmon Agency's specialization in finding income-producing properties for our clients, we are thrilled to have her join Team Harmon!

“ I am excited to join The Harmon Agency, where delivering high-quality service to clients and fostering relationships is the focus. I believe in their mission, values, and culture. Their expertise will help me support clients in a valuable manner and develop relationships that are always evolving, innovative, adaptive-fluid, and purposeful. I look forward to collaborating and connecting with my new team and clients this year!”

- Arlene Woolley, Agent

To learn more about what The Harmon Agency can do for you, visit: theharmonagency.com

11/30/2022

There’s nothing quite like the holidays 🎄 in Orange County.

This time of year, our cities come alive with the magic of the holidays — there's so much to see and do!

To help, make sure you don’t miss out this holiday season. We’re rounding up our favorites for you to check out.

✨San Juan Capistrano- Capistrano Lights
Dec. 3rd & Dec. 30th
✨Newport Beach - Christmas Boat Parade
Dec. 14th-18th
✨Costa Mesa- OC Mix Holiday
Dec. 10th 9am-3pm
✨Corona Del Mar - Night of 1000 Lights at Sherman Library & Gardens
Dec. 9th-22nd
✨Laguna Beach Sawdust Winter Festival
Nov.19- Dec. 18th

What did we miss? Drop it in the comments below!

11/26/2022

Happy Friday! ✨Today we’re answering some of the most common mortgage questions.

Q: How far in advance should I apply for a mortgage?
A: Ideally, you want to start the process when you are shopping around for a new home. Doing so will tell you exactly how much you can afford, what your monthly payments will be, and what your total monthly obligations are.
Q: Do I need 20% down to purchase a house?
A: While putting 20% down can improve your chances of getting approved and locking in a lower rate (and monthly payment), lenders and mortgage programs will accept less than 20% so long as you buy mortgage insurance.
Q: I just got a new job. Will this impact getting a mortgage?
A: Most lenders like to see a two-year job history in the same field though changing jobs for a better position could be seen as favorable.
Q: Once I have my pre-approval can I still shop around for mortgages?
A:Yes!Even a small change in interest rates can make a big difference over time, so we highly recommend shopping around.

Have more questions about buying a home? There's nothing I love more than sitting down with buyers and answering any question they may have or connecting them with someone who can.Send me a DM, and we'll set up a time that's convenient for you.

11/23/2022

3 easy steps to prepare for a mortgage!

If you are considering buying in the upcoming year but don't know where to begin. Here are three things you can do to be fully prepared when the time comes.

✨Get the Scoop on Your Credit
✨Get a Full Pre- Approval
✨Get to Document Gathering

Save this post for later, or share it with anyone you know who has plans to buy this year. And, of course, reach out if we can answer any questions that come up along the way!

11/16/2022

Is curb appeal important?

Yes! We can confidently tell you that curb appeal makes the best first impression when it hits the market.

Here’s why: Homes with high curb appeal sell for an average of 7% more than similar houses with bland exteriors. If there are lots of homes on the market, that percentage DOUBLES to 14%.

Bottom line: If you want top dollar for your home, mow the lawn, spread fresh mulch, plant some seasonal flowers, and power up the pressure washer.
If you’re worried about cash flow when you’re prepping your home to sell, you can breathe easy. According to the NAR, 100% of landscape maintenance and tree care costs come back into your pocket at the time of sale.

11/09/2022

For this month's women in business, I’m excited to introduce you to one of my favorite people!

Marissa Spens is the ultimate friend, mother, and entrepreneur. She’s been right by my side for my journey through motherhood and she always comes through with the best advice. Our families love spending time together and we love watching our kids grow up and form lifelong friendships.

As a mom she's always looking to create magical memories, which is why her new business makes perfect sense. Her company takes your kids art and turns it into one-of-a-kind wearable prints. If you're struggling with the abundance of art that your little one creates, is an amazing way to create wearable keepsakes that your kids will love. Looking to knock out some holiday shopping? Head to onceuponawonder.com to order cozy blankets, sweatshirts, and yoga pants for everyone on your list!

Follow to see all the amazing products you can customize.

11/05/2022

Want to save money on your next mortgage? This post is for you!

With interest rates on the rise, getting the best possible rate is even more important than ever.

Remember, your interest rate depends on several things, like your credit score, the value of the home, and your debt load. So, if you wanna to save by locking in the best rate, here are three tips you can't afford to ignore:

1. Improve your credit score now. Figure out what you need to do to bump it higher, like paying down outstanding balances.
2. Shop around for lenders. Instead of going with the first lender you talk to, contact several and compare your options to make sure you get the best deal.
3. Boost your down payment. This may be a no-brainer, but the more you put down at the time of closing, the less you’ll pay on the loan. Plus, lenders view higher down payments as less risky loans, which could reduce your interest rate.

The truth is – it is getting harder to save as rates are on the rise, but there are steps you can take today that will make a difference.

11/02/2022

With the continuous rise of interest rates, we decided to reach out to some of our preferred lenders. To find out what programs they have that can help our clients get the best possible rate.

Here’s what they recommended:

- Temporary Interest Buydown: lets you temporarily lower your interest during the first couple of years of homeownership in exchange for an additional upfront charge.

- Interest Only Loan: you only pay interest the first several years of the loan — making your monthly payments lower during the interest only period. (the first 10 years of the loan)

-Mortgage relationship pricing: Allows you to earn a lower interest rate on your mortgage or a credit on your closing costs when you bank with them. (e.g., Citibank)

Wondering what your next step should be? Check out some of our preferred lenders to learn more about what they have to offer.

10/29/2022

If you’re looking to get outside and cozy up to the season this fall, here are some upcoming events you won’t want to miss in the OC:

- Destination date night: Check out Solstice Irvine known for its ingredient-driven cuisine inspired by the seasons, delicious drinks, and all the cozy fall vibes.
- Round up the family and check out The Huntington Beach Spooktacular! This fun three day event will be filled with horses, pumpkins, music, a movie, games, food and even adult beverages. Something for everyone! This event if free and family friendly but you must register to attend.
- Mosey over to Tanaka Farms Pumpkin Patch or Irvine Park Railroad any weekend this month to enjoy mini ATV rides, arts & crafts, train rides and so much more!

Fall in Orange County is buzzing with things to do, so keep your eyes out for even more local events this month. Hope to see you there!

Address

1278 Glenneyre Street #407
Laguna Beach, CA
92651

Website

http://theharmonagency.com/

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About Christina

Christina Harmon grew up watching her father build a thriving real estate brokerage in Southern California. Inspired by his success she launched her career with Pacific Sotheby’s, focusing on Orange County’s most coveted neighborhoods. Harmon’s positivity and professionalism, coupled with her deep knowledge of the housing market, make her the perfect advocate for the busy professional. She understands the demands of a hectic schedule and provides seamless, concierge level service to all her clients. Christina’s integrity leads the way when representing clients in achieving their real estate dreams.