Buyer’s Resources & Advice
Repeat Buyer Tax Credit Clearly Explained - Finally
Categories: Buyer's Resources & Advice
Looking for clear guidance on the new $6,500 federal tax credit for repeat home purchases…here you go. 
The Internal Revenue Service finally has published the exact rules for the repeat purchase credit that was signed into legislation in November. The revised Form 5405 can apparently be found on the IRS website as of this last week.
The repeat buyer credit is an addition to the well know and popular $8,000 credit for first-time buyers. “Homeowners who have occupied the same property as a principal residence for any five consecutive years during the previous eight years may now be able to claim a tax credit on a purchase of another home they intend to use as a principal residence.”
The credit has its small print, so be sure to look at everything and ask your accountant. The purchase contract must be dated from Nov. 7, 2009, to April 30, 2010, and the closing date can not extend beyond June 30th, 2010.
To be eligible, the maximum purchase price on homes is $800,000. There is no requirement in selling your previous home, but you must demonstrate that the replacement home will be your primary residence.
There is numerous excess documentation required now by Congress after reports that substantial widespread abuses had been occurring by those seeking the $8,000 credit for first-time buyers. Some of these claims seem to stem from credits on properties that never were sold or bought. Now, the IRS says, “it is going to rigorously investigate all claims filed, starting with a review of the documentation submitted.”
Within the new IRS guidance, their are revised income limits for home buyers claiming credits:
- If you are single, your adjusted gross income must not exceed $125,000 and $225,000 if you are married filing a joint return.
- Above these limits, the allowable credit amount begins to phase down in increments, and it is eliminated once incomes reach $145,000 for single individuals and $245,000 for married joint filers.
There are pitfalls as well such as repaying the tax to the government by taxpayers who sell their homes within a 36-month period after purchasing the home.
Further Reading:
- $729,750 Conforming Loan Limit Extended into 2010
- What do Buyers and Sellers Want Most from Their Santa Barbara Realtor?
- Is Zillow’s Zestimate a Reliable Guide to your Santa Barbara Home’s Value?
- Working with a Blogging Realtor - Advantages
- Are Trulia and Zillow the Best Place to Search for Santa Barbara Real Estate?
- Buyer’s Resources for the Santa Barbara area
- Seller’s Resources for the Santa Barbara area
Thank you for reading. I hope you find Santa Barbara Real Estate Voice informative. Please feel free to contact me or comment below with any thoughts.
For more information on Real Estate here in Santa Barbara, Montecito and/or our surrounding areas, as well as any other aspects of life in the Santa Barbara area, please don’t hesitate to contact Kevin Schmidtchen at Sotheby’s Int’l Realty.
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Search: The Santa Barbara Area MLS
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New Santa Barbara Downtown Townhome Listing - Priced Very Well at $495,000, 2 Bed 2 Bath
Categories: Buyer's Resources & Advice, Downtown Neighborhood
Attractive Downtown 2 bed 2 bath Townhome
407 West Pedregosa # 8, Santa Barbara, CA., 93101
Bright and spacious 2 bed 2 bath, downtown town home with vaulted ceilings, walk-in closets, in-unit laundry, patio and attached 1-car garage. This well cared for home is in move-in condition with newer paint and carpeting. Natural, wooded setting with convenient and easy access to shopping, dining and all downtown amenities.
Asking Price: $495,000
View: Map of Property
If you would like more information, more pictures or to schedule a showing, Click Here.
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Charming Clean San Roque Cottage in Peabody School District - New Listing
Categories: Buyer's Resources & Advice, San Roque Neighborhood
Charming Clean San Roque Cottage in Peabody School District.
2936 Ventura Drive, Santa Barbara, CA., 93105.
2 bed 1 bath plus a den/tv room and a LEGAL studio/office off the back of the finished 2-car garage. Amenities include charming living room with bay window and fireplace, breakfast nook in kitchen, indoor laundry room, French doors opening to a great sitting deck under a trellis filled with grape vines, mountain views from fenced in back yard, professionally landscaped. Studio has high ceilings, track lighting, insulated and dry walled and roughly 10X19 feet with French doors leading to a back deck.
Upgrades in the last 8 yrs.
- bath and kitchen
- sewer lateral
- roof, heater, water heater
- driveway, decks and major landscaping
- French doors, sanded wood floors and carpet
View: Map of Property
Asking Price: $829,000 - Kevin Schmidtchen, Sotheby’s Int’l Realty 805-689-6877.
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Its Official: $8,000 Home Buyer Tax Credit and New $6,500 Bonus Kicker Law to be Passed for 2010
Categories: Buyer's Resources & Advice, Seller's Resources & Advice
The Senate this week passed an extension of the $8,000 Home Buyer Tax Credit for new home buyers and added on as a “kicker” to the plan a $6,500 bonus for those who are buying a new home and have lived in their old home for 5 of the 8 previous years. From everything that we are hearing and reading, The House of Representatives is expected to pass this new bill and the White House has also given every indication that they will sign it once they receive it.
So what does it mean to us here in the Santa Barbara area?
Here are the details…
- First Time Home Buyers: This we have already learned and it is simply an extension of the $8,000 home buyer tax credit to contracts signed by April 30 and closed by June 30, 2010. As we all had read and heard, this bill was set to expire at the end of November 2009. To be considered a “First-time home buyer”, you technically are not to have owned a residence within the past three years.
- Current Existing Homeowners: $6,500 credit for those who buy a new home here in the coming months and have lived in your current house at least five of the last eight years.
- Time Line: Contracts signed by April 30, 2010 and closed by June 30, 2010.
- Home Requirement: Principal residences priced at $800,000 or less.
- Income Limits: Single $75K to $125,000, Joint filers $150K to $225,000.
Further Reading:
- $729,750 Conforming Loan Limit Extended into 2010
- What do Buyers and Sellers Want Most from Their Santa Barbara Realtor?
- Is Zillow’s Zestimate a Reliable Guide to your Santa Barbara Home’s Value?
- Working with a Blogging Realtor - Advantages
- Are Trulia and Zillow the Best Place to Search for Santa Barbara Real Estate?
- Buyer’s Resources for the Santa Barbara area
- Seller’s Resources for the Santa Barbara area
For information on Real Estate here in Santa Barbara, Montecito and/or our surrounding areas, as well as any other aspects of life in our area, please don’t hesitate to contact Kevin Schmidtchen at Sotheby’s Int’l Realty.
Thank you for reading. I hope you find Santa Barbara Real Estate Voice informative. Please feel free to contact me or comment below with any thoughts.
Subscribe to Receive Personal Listings of Santa Barbara Real Estate
Search The Santa Barbara Area MLS
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$729,750 Conforming Loan Limit for Santa Barbara CA. Extended Through 2010
Categories: Buyer's Resources & Advice, Seller's Resources & Advice
As reported by the National Association of Realtors… 
Further Reading:
- What do Buyers and Sellers Want Most from Their Santa Barbara Realtor?
- Is Zillow’s Zestimate a Reliable Guide to your Santa Barbara Home’s Value?
- Working with a Blogging Realtor - Advantages
- Are Trulia and Zillow the Best Place to Search for Santa Barbara Real Estate?
- Buyer’s Resources for the Santa Barbara area
- Seller’s Resources for the Santa Barbara area
For information on Real Estate here in Santa Barbara, Montecito and/or our surrounding areas, as well as any other aspects of life in our area, please don’t hesitate to contact Kevin Schmidtchen at Sotheby’s Int’l Realty.
Thank you for reading. I hope you find Santa Barbara Real Estate Voice informative. Please feel free to contact me or comment below with any thoughts.
Subscribe to Receive Personal Listings of Santa Barbara Real Estate
Search The Santa Barbara Area MLS
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Santa Barbara Property - What Does $1 Million Buy You These Days? - Aug 2009
Categories: Buyer's Resources & Advice, Seller's Resources & Advice
As the Santa Barbara Real Estate market has showed many signs of stabilizing here in the last 3-5 months, the bonus for home buyers is that they are able to purchase a much nicer property for their $$ when compared to just 18-24 months ago. Most statistics that I have come across via articles as well as local MLS statistics show that the average home here in Santa Barbara is down about 15-25% (depending on exact area) from its peak in late 2006 / early 2007.
In the last 3- 5 months, most of our market up to the $2 Million price point has been very stable with a good amount of pending sales and numerous buyers out looking and purchasing. We are also seeing multiple offers on well priced homes as well as homes going pending within a few days.
Here below are a few examples of Santa Barbara property around $ 1 Million in The Upper East, San Roque and The Mesa neighborhoods as well as Goleta and Carpinteria.
1 - Upper East Gem on East Junipero Street - CA cottage, single level with 3 beds and 2 baths, high ceilings, remodeled kitchen including Maple cabinetry, high end appliances (Viking), and granite counters. Hardwood floors with formal dining room and living room. Fenced front yard, back patio and 2 car garage. Roosevelt school district. Well cared for home. Pending Sale, Asking Price $999,000.
View: Map of Home
2 - San Roque Charmer located on Toyon Drive - Mediterranean romance combined w/light filled, clean interiors in premier San Roque neighborhood. Spacious rooms, 3 beds 2 baths, large picture windows throughout w/gleaming hardwood floors, remodeled baths, air conditioning & many custom amenities. Charming flagstone & brick patios & courtyard, easy care lush landscaping. Close proximity to restaurants, shops & fun of the Upper State area. Very nice house at a good value. Well cared for home. Just Sold, $955,000.
View: Map of Home
3 - Mesa Remodel located on Balboa Drive - Fabulous Mesa remodel with family room addition in immaculate condition. Located on a quiet cul de sac off Medcliff. Very short distance to the beach and the Douglas Preserve. Show to your pickiest clients and you will not be disappointed. 3 beds, 2 baths. Just Sold, $950,000.
View: Map of Home
4 - Goleta Remodel located on Mateo Court - Spacious home with pool and numerous built-ins and upgrades. Granite counters, stainless appliances, large rooms with lots of storage inside & out, 4 beds and 2 baths. Open ceilings, wood floors, solid doors, skylights and new windows. Pride of ownership in a wonderful neighborhood. Just Sold, $1,026,000.
View: Map of Home
5 - Carpinteria New Construction on El Carro Lane - Newly constructed elegant single family home in Carpinteria, one of California’s most enchanting small beach towns. Upgraded/modern amenities throughout. Wood floors, granite, tile, crown molding, voluminous ceilings, Kitchen Aid appliances, 4 beds, 3 baths & more. Beautifully landscaped yards w/accent pavers & colored concrete driveway, patios, front porch & walkways. Just Sold, $1,050,000.
View: Map of Home
If you would like further information on any of these homes and/or similar homes, please be in touch via email or phone.
View: Current list of Santa Barbara, Carpinteria and Goleta homes from $750,000 to $1,250,000.
Further Reading:
For information on Real Estate here in Santa Barbara, Montecito and/or our surrounding areas, as well as any other aspects of life in our area, please don’t hesitate to contact Kevin Schmidtchen at Sotheby’s Int’l Realty.
Thank you for reading. I hope you find Santa Barbara Real Estate Voice informative. Please feel free to contact me or comment below with any thoughts.
Subscribe to Receive Personal Listings of Santa Barbara Real Estate
Search The Santa Barbara Area MLS
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Does Yahoo Real Estate Provide You With The Best Home Search Tools For Santa Barbara Real Estate?
Categories: Buyer's Resources & Advice, Random Thoughts & Opinions
Millions of Users Can’t Be Wrong…Or Can They!
- Yahoo! Real Estate reportedly attracts more than 5 million unique visitors per month.
- The Entire Yahoo! Network is one of the most trafficked internet destinations worldwide.
- The Yahoo! Network reportedly reaches 88% of home shoppers and 84% of homeowners.
For general real estate information and news, I would like to point out that Yahoo is a wonderful resource. I myself search here when looking for certain information and include myself as part of their network stats. Real Estate Portals such as Yahoo, Trulia and Zillow are great to get started with and to gather general information about real estate, how to guides, topics such as jobs, demographics, the latest loan rates etc.
BUT… when I need to look at a particular area such as Santa Barbara for local real estate information and home search, I have learned that Yahoo and the others only goes so far. In essence, they are portals and a directory that should lead you somewhere more specific such as a blog from a hard working local Realtor that has their true pulse on everything local.
OK…so you still like the look and feel of these sites, knowing that “others” use them, the random poll on the sidebar, the paid advertisements that blink at you…who knows? BUT…Are you actually getting out of them what you are ultimately looking for???
- All the Listings For Sale
- Information on Past Sales to Draw Comparisons
- True Local Knowledge about Numerous Topics Relating to your Decision
Let’s take a look at the first point…the listings themselves.
The local Santa Barbara Multiple Listing Service (MLS) is the only database that will have every home that is listed by all the real estate brokerages in town. The only way to then access all of this in the Santa Barbara CA area is to be in contact with a Realtor or to use a local IDX from a Realtor’s site. This will then give you the closest guarantee of seeing all that is out there. With that said, there are also pocket listings that are constantly available in towns such as Santa Barbara and Montecito as well as great homes (great buys) that do sell before they are even marketed and/or hit the local MLS.
Here is a glance at listings available on Yahoo when you type in “Santa Barbara CA” into the Search Box vs. a local IDX: (for August 22nd, 2009)
Yahoo Real Estate Listings for all Single Family Homes and Condos:
- Santa Barbara - 435
- Goleta - 61
- Montecito - 435 … simply includes Santa Barbara and is not broken down at all
- Carpinteria - 66
- Hope Ranch - does not exist
Santa Barbara Real Estate Voice IDX Listings for all Single Family Homes and Condos:
- Santa Barbara - 465
- Goleta - 203
- Montecito - 290 … legitimate Montecito listings
- Carpinteria - 161
- Hope Ranch - 4
The Santa Barbara Real Estate Voice IDX that I have on my blog as a member of the local Santa Barbara MLS is a direct data feed from the MLS. It has also been thoughtfully organized to truly represent the exact areas in our town…very little lumping together and overlapping that often occurs on sites such as Yahoo and Zillow.
If you want to have the best chance at seeing everything that is on the market here in the Santa Barbara area and to not miss upwards of 20-30% of the homes that are listed in our area, not counting pocket listings and upcoming great buys, you should contact a good, ethical, hard-working Realtor. You will simply get much more accurate, complete, hands-on information from a local IDX and hardworking Realtor than going at it on your own on a big aggregate site.
***Once you are ready, start to receive listings that meet only your specific needs…hugely important.*** Stop pulling info from the internet and spending all your time looking. Instead, have info pushed to you via auto emails to your Inbox and a Realtor looking out for your needs etc.
Regarding the 2nd point…comparisons of past sales. This can only be provided to you via the local MLS that agents have access to. On the major portals, you will only get Active listings for sale so you will not be able to compare any past sales.
Regarding the 3rd point…true local knowledge. Please feel free to contact me directly with any questions or needs and/or browse my site as much as you would like to learn about our area is great detail. I have written and continue to write about our town, the business of real estate, local thoughts etc.
Further Reading:
- A Few Noticeable Trends in Santa Barbara Real Estate - April 2009
- Is Zillow’s Zestimate a Reliable Guide to your Santa Barbara Home’s Value?
- Working with a Blogging Realtor - Advantages
- Are Trulia and Zillow the Best Place to Search for Santa Barbara Real Estate?
For information on Real Estate here in Santa Barbara, Montecito and/or our surrounding areas, as well as any other aspects of life in our area, please don’t hesitate to contact Kevin Schmidtchen at Sotheby’s Int’l Realty.
Thank you for reading. I hope you find Santa Barbara Real Estate Voice informative. Please feel free to contact me or comment below with any thoughts.
Subscribe to Receive Personal Listings of Santa Barbara Real Estate
Search The Santa Barbara Area MLS
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What Do Buyers And Sellers Want Most From Their Santa Barbara Real Estate Agents?
Categories: Buyer's Resources & Advice, Seller's Resources & Advice
Your Local Santa Barbara MLS, Local Knowledge and Honesty
As access to MLS information has become more widely available to the public in the last few years, a large proportion of 
the real estate industry has become worried that the buying public would have no need for agents once they had this information. In reality, the major change that has occurred is that this has simply lead to a more educated client from the beginning. Great for everyone.
Remember…the MLS access, how to guides, computer generated stats on zip codes etc. tell the consumer nothing about closed sales, all pending sales, reasons homes sold quickly, what was included in the contract, history of a neighborhood/street, knowledge about the purchase process, knowledge about the specific areas of the local market etc.
Recent statistics show that 48 percent of all buyers indicated that their top reason for working with a hard working, educated and knowledgeable agent was to find the right home to purchase. I don’t see this changing.
Recent Statistics on Buyers Needs
The main areas in which buyers feel that the use of an agent is beneficial are:
- helping the buyer understand the purchase process
- pointing out unnoticed faults or features
- negotiating better terms
None of this can be accomplished by just looking at the Active Listings on any local MLS IDX site.
The characteristics that buyers and sellers feel that are the most valuable in their agent are:
- honesty and integrity (97 percent)
- knowledge of the purchase process (94 percent)
- responsiveness (93 percent)
- knowledge of the real estate market (92 percent)
- communication and negotiation skills (83 percent).
The allure of a featured Website/Blog
Buyers overwhelmingly noted in the statisitcs that photos (86 percent) in conjunction with quality detailed information (84 percent) were the most useful Web site features that they could ask for.
Further Reading:
- Working with a Blogging Realtor - Advantages
- Santa Barbara Market Statistics
- Santa Barbara Photo Tour
- Buyer’s Resources for the Santa Barbara area
- Seller’s Resources for the Santa Barbara area
For information on Real Estate here in Santa Barbara, Montecito and/or our surrounding areas, as well as any other aspects of life in our area, please don’t hesitate to contact Kevin Schmidtchen at Sotheby’s Int’l Realty.
Thank you for reading. I hope you find Santa Barbara Real Estate Voice informative. Please feel free to contact me or comment below with any thoughts.
Subscribe to Receive Personal Listings of Santa Barbara Real Estate
Search The Santa Barbara Area MLS
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When is the Best Time of the Year to Buy and / or Sell Santa Barbara Real Estate?
Categories: Buyer's Resources & Advice, Seller's Resources & Advice
As a Realtor here in Santa Barbara, I am often asked the question about the general cycle of Real Estate in Santa Barbara CA and thus…Is there a better time of they year to buy and sell….Is there a season?
Obviously if you are a buyer or seller, different times of they year might be better than others and different markets are better than others…thus many factors go into this complex decision beyond just the time of year. But…since enough clients seem to always ask some form of this question, I will try and break the Santa Barbara Real Estate Market down into a normal yearly cycle, although none of this is pure science if you will. It is simply a pattern that Santa Barbara seems to follow most years.
Additionally, most of this summary is a run down through the real estate market from the entry level price point up to about $3-4 million. From $3-4 million and above the market seems to move at its own steady pace throughout the year.
Yearly Cycle:
- From January through May of each year, we seem to build up inventory with more new listings taking place during this time than other parts of the year.
- From February through roughly June, buyers are very active and seem to buy up much of this inventory.
- Summertime seems to be a mixed bag each year with the amount of new listings as well as the amount of buyers.
- Mid September through Thanksgiving is also a busier time with sellers as well as buyers.
- December is always a mixed bag, but generally slower.
Month to Month Run Down:
- January - Slower with inventory starting to build. Most people just getting ready with all the new changes a new year brings
- February - Market picks up with both sellers and buyers
- March - Very active buyers and sellers
- April - Very active buyers and sellers
- May - Very active buyers and sellers
- June - Slower but steady as there are many changes with families and schools
- July - Decent market both buyers and sellers
- August - Slower market as many families are making changes, sending off kids to school, paying large summer bills
- September - Market picks up with both sellers and buyers
- October - Very active buyers and sellers
- November - Very active buyers and sellers until Thanksgiving
- December - Slower market but serious buyers
Within this basic breakdown, there are also many small markets taking place. One example is in the summer months where many parents are looking to purchase condos for their children to live in that are near Santa Barbara City College or UCSB. Sellers are doing the same as their children have graduated and moved on. Another example is The Mesa which really seems to draw buyers during the months of February through August as the weather is often gorgeous there during this time of the year and/or cooler as people fulfill their dreams of living close to the water.
Further Reading:
- Santa Barbara Market Statistics
- Santa Barbara Photo Tour
- Buyer’s Resources for the Santa Barbara area
For information on Real Estate here in Santa Barbara, Montecito and/or our surrounding areas, as well as any other aspects of life in our area, please don’t hesitate to contact Kevin Schmidtchen at Sotheby’s Int’l Realty.
Thank you for reading. I hope you find Santa Barbara Real Estate Voice informative. Please feel free to contact me or comment below with any thoughts.
Subscribe to Receive Personal Listings of Santa Barbara Real Estate
Search The Santa Barbara Area MLS
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Are Trulia and Zillow and Realtor.com the Best Place to Search for Santa Barbara CA Real Estate? - NO!!
Categories: Buyer's Resources & Advice, Random Thoughts & Opinions
Over the last year I have been in contact with numerous people that have been spending their time searching for Santa Barbara Real Estate on sites such as Trulia.com, Realtor.com and Zillow.com. To me this is understandable since they are all powerhouse sites if you will, have loads of advertising behind them and overall do a pretty OK job for certain things.
The problem I have with being a consumer/customer is that these sites represent a sort of Wal-Mart approach…meaning they try and do cover most everything, but not in the greatest depth, detail, expertise and accuracy. Sure, if you are looking to buy a bicycle you can go into any Wal-Mart and buy a bicycle (I guess…I’ve never looked), but if you are looking for a very specific bike and true expertise on say the components and what not, most all of us would choose to research the specific bike online from the manufacturers website and also visit your local expert shop that has several knowledgeable riders completely in tune with the gear etc.
So why are many people taking the Wal-Mart approach when looking to make most likely their biggest financial purchase in their life…buying a home?
Zillow.com claims that they have over 3,000,000 listings on their site. Realtor.com claims they have over 4,000,000. Trulia.com does not publish this, but I am sure it is a large number.
If you are looking to buy real estate here in the Santa Barbara and Montecito CA area, do you really care that Trulia.com, Realtor.com and Zillow.com have on their site over 15,000 homes in Denver, Colorado for sale or north of 12,000 homes for sale in the Seattle, Washington area?
OK…so you still like the look and feel of these sites, knowing that “others” use them, the random poll on the sidebar, the paid advertisements that blink at you…who knows? BUT…Are you actually getting out of them what you are ultimately looking for???
- All the Listings For Sale
- Information on Past Sales to Draw Comparisons
- True Local Knowledge about Numerous Topics Relating to your Decision
Let’s take a look at the first point…the listings themselves.
The local Santa Barbara Multiple Listing Service (MLS) is the only database that will have every home that is listed by all the real estate brokerages in town. The only way to then access all of this in the Santa Barbara CA area is to be in contact with a Realtor or to use a local IDX from a Realtor’s site. This will then give you the highest chance of seeing all that is out there. With that said, there are also pocket listings that are constantly available in towns such as Santa Barbara and Montecito as well as great homes (great buys) that do sell before they are even marketed and/or hit the local MLS.
Here is a glance at listings available on various sites when you type in “Santa Barbara CA” into the Search Box: (for April 22nd, 2009)
The Santa Barbara Real Estate Voice IDX that I have being a member of the local Santa Barbara MLS is a direct data feed from the MLS. It has also been thoughtfully organized to truly represent the exact areas in our town…very little lumping together and overlapping that often occurs on Zillow etc. (hence 625 homes for sale in “Goleta”, when this is just tons of overlapping of Santa Barbara proper).
If you don’t want to miss upwards of 20-30% of the homes that are listed in our area, not counting pocket listings and upcoming great buys, you should contact a good, ethical, hard-working Realtor.
These national listing sites have their own place and I think they do provide consumers with tools and information…all great things. I am not trying to bash them in any way. But, if the prices are the same, you will get much more accurate, complete, hands-on information from a local IDX and hardworking Realtor than going at it on your own on a big aggregate site.
Regarding point #2 - comparisons of past sales, please feel free to contact me. Regarding point #3, please visit my site and feel free to contact me regarding any questions or needs.
Further Reading:
- A Few Noticeable Trends in Santa Barbara Real Estate - April 2009
- Is Zillow’s Zestimate a Reliable Guide to your Santa Barbara Home’s Value?
- Working with a Blogging Realtor - Advantages
For information on Real Estate here in Santa Barbara, Montecito and/or our surrounding areas, as well as any other aspects of life in our area, please don’t hesitate to contact Kevin Schmidtchen at Sotheby’s Int’l Realty.
Thank you for reading. I hope you find Santa Barbara Real Estate Voice informative. Please feel free to contact me or comment below with any thoughts.
Subscribe to Receive Personal Listings of Santa Barbara Real Estate
Search The Santa Barbara Area MLS
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