Holiday Events for the Whole Family in Dana Point

Holiday fun for the whole family in Dana Point
Each year, the holidays can offer a great opportunity for families to spend time together. We know, you’re probably looking forward to a day or two of doing absolutely nothing after the holiday rush. But there may be a few worthwhile activities that you can do before or right after the holidays that get the whole family making memories together. Check out the ones we found this month in Dana Point and the surrounding areas. You never know, it may inspire a new holiday tradition for your family! Gingerbread Extravaganza at the Ritz-Carlton Where: The Ritz-Carlton, 1 Ritz-Carlton Drive, Dana Point When: November 19 - January 2, all day What: The Ritz-Carlton Executive Pastry Chef Sylvain Haage and his team create a gingerbread extravaganza each year. This year they will have spent more than 500 hours creating a one-of-a-kind display out of gingerbread, candy and other sweet treats for your viewing pleasure. The littlest details can sometimes be the most delightful. Ging

Can You Pay your Mortgage Using Bitcoins?

Bitcoins are all the rage right now and are changing the way people think about money. But can you pay your mortgage using this new digital currency? Find out below! If you are looking to buy a house, there are a number of financial assets that could help you qualify for a mortgage including your current home, cash in savings and checking, retirement accounts and other investments. But what if you have assets that include bitcoins? While the cryptocurrency was recently labelled as an asset by the Internal Revenue Service, most lenders remain wary about how to value and accept this new digital currency. Bitcoins as Assets Bitcoin has been around for about eight years. It could be used in the mortgage transaction just like any other form of money. But there are a few problems. What is one Bitcoin worth? Will anybody accept them? Let’s start with the worth of a Bitcoin. We would treat it like any other foreign currency. It would need to be converted in terms of value if not

Best Holiday Lights in and around Laguna Beach

Holiday Lights in Laguna Beach
There are few things that get us into the holiday spirit more than lights! Glimmering holiday-themed lights adorning houses, landscaping and even boats add to the magic of the season. Laguna Beach is known for its idyllic canyons overlooking the ocean, as well as its appreciation of the arts; celebrate both at the Sawdust Art Festival Winter Fantasy. Nearby marinas offer a spectacular backdrop for holiday lights and even fireworks! For a more low key holiday light experience, cruise through a few neighborhoods that go all out for the holidays.   Sawdust Art Festival Winter Fantasy Where: Laguna Canyon When: Saturday and Sunday - Dec 16th and 17th from 10am to 6pm What: Tap into Laguna Beach’s historical celebration of the arts at the Sawdust Art Festival Winter Fantasy. Over 175 artisans from Laguna and all over the world showcase their original artwork, surrounded by festive holiday decor. The unique shopping experience offers one-of-a-kind creations, an outdoor

Veteran Peter Culp Joins #1 Team on ZILLOW in Orange County

The Reed Team is excited to announce the latest addition to our sales team, Peter Culp! As a Dana Point native with over a decade of experience in residential real estate sales, Peter Culp is a true professional who promises clients an unmatched understanding of the local real estate marketplace and all it has to offer. Peter earned his Bachelor’s Degree in Mathematics from UCSB and prior to pursuing his passion for helping people buy and sell property in South Orange County, he worked as a sales executive in the advertising industry, where he honed many skills and talents critical to the real estate transactions he oversees today. Having also worked extensively with bank owned sales, short sales and REOs, he possesses specialized knowledge when it comes to many facets of the business. Most importantly, Peter remains committed to the best interest of his clients at all times. Focused on delivering an exceptional brand of service along with exceptional results, he’s attentive, hardw

Loan Prequalification vs. Loan Pre Approval in Orange County

You are finally ready to make the move into homeownership. From all of the online searching you have done, you know that you need to get a “pre-something” to prove you are a serious home buyer. But which is it: preapproved or prequalified? These both sound good, but they have different purposes. Getting preapproved The preapproval process is like a test drive before you submit your formal application for a mortgage. The loan officer and an underwriter will verify the figures, facts and your credit history. This process could help pinpoint things you may want to improve or errors that you will want to correct before entering the formal application review process. A loan officer will also start looking for mortgage programs that might apply to your financial situation. The preapproval process is more precise because it is fully underwritten and helps ensure your home buying process will go smoothly. In addition to ordering your credit report, a loan officer may ask for copies

Meet The Reed Team’s Newest Sales Partner: Silvia Berlin

The Reed Team is proud to announce our newest sales partner, Silvia Berlin!
The Reed Team is proud to announce our newest sales partner, Silvia Berlin! With her vast experience and passion for client satisfaction, Silvia will be a tremendous asset to our team. Recognized as Coldwell Banker’s sales agent of the year, Silvia is a consistent million-dollar producer who has proven her ability to deliver high quality concierge service to each and every client. Silvia’s goal is to make the buying and selling process as effortless as possible for her clients by using her expertise to negotiate and collaborate with the other party, creating win-win situations for all. In 2005, Silvia received her BA in Broadcast Journalism from the University of Southern California. She currently enjoys living in San Clemente with her husband, Bryan, and their two young daughters, Emma and Avery. Silvia is an enthusiastic USC football fan, who enjoys entertaining her family and friends, gardening, and practicing yoga. We’re excited to see all the amazing things Silvia will

Surf’s Up, San Clemente!

San Clemente- lone surfer riding the wave to the shoreline
You can feel the warm sand between your toes. The cool ocean breeze caresses your face. As you look out to the horizon, you can see a heavy wave cresting, then barrelling. Unexpectedly, you catch sight of a lone surfer riding the wave to the shoreline, expertly harnessing the power of the ocean. Perfect 10. There is a reason why named San Clemente one of the top 10 best surf towns; the beaches in San Clemente offer some of the most consistent waves in the country year-round. The waves attract some of the best surfing talent, and have for a long time. San Clemente has also been home to major surfing publications, surfboard manufacturers, and according to surfing legend Henry Ford, it was the epicenter of the California surf culture. Here are a few ways to take advantage of the one-of-a-kind surf culture here in San Clemente: Visit the Surfing Heritage and Cultural Center, a museum founded by surfing legend Dick Metz ‘for the love of surfing’. You can glide thro

What Makes a Property’s Value Rise and Fall in Orange County?

In today’s south Orange County housing market, buyers and sellers alike try to understand the concept of home value appreciation. The value of your home may appreciate over time, unlike the purchase of a car which depreciates when you drive it off the lot. Appreciation is based on a few factors. Location is as important as the home It’s all about the location, location, location! You have heard this before. Where you buy your home may be the most important and controllable factor to appreciation. If value increase is important to you, make sure to give thought to where you buy. Ask yourself these questions when buying as it relates to location. Is the house close to major highways? Are there good schools nearby? Is the home conveniently located to entertainment and shopping? Does it have a nice view? Investing in a desirable location may contribute to equity in your home down the line and can mean more money in your pocket if you decide to sell. Acres and land acc

Mortgage Facts You Should Know

The seven mortgage facts below will give you an advantage when shopping for a home in Dana Point or refinancing an existing loan. 1.  Mortgage rates are always changing Similar to the stock market, mortgage rates are changing throughout the day. Mortgage rates you see today might not be available tomorrow. If you are in need of a mortgage loan, make sure to check the current rates being offered by lenders. If you have already done your research and have found your dream house, you should consider locking in your rate as soon as possible. 2.  Different mortgage lenders charge different fees Don't expect all lenders to charge the same fees for a mortgage loan. Each lender structures their fees differently. The next time you apply for a mortgage loan pay close attention to the rates, closing costs and points being charged. 3.  Lenders could sell your loan to another bank Most home buyers in south Orange County have experienced getting a mortgage loan with a certain le

3 Home Improvements That Get You the Biggest Bang for Your Buck

Home Improvement Projects that Generate the Highest Return
You’ll never guess which home remodeling projects generate the best return on investment for a homeowner (based on the 2017 National Association of Realtors® Remodeling Impact Report)! No, it was not a kitchen or bathroom remodel. While improvements to those rooms certainly result in boosting your sale price, you might not get back all the money you put in. Here are the investments in your home that will bring you back the highest return:  1. Surprise! New Roofing Womp, womp. I know. It’s really not sexy. But wait, you have to think about it from a prospective buyer’s perspective. What good is a new bathroom when water is splashing into it, and it’s not coming from a faucet? Most homeowners expect to do some remodeling to their own tastes when they are purchasing a new home. They want to do the fun stuff, but they want to know that the home is structurally sound to begin with. Knowing that they would have to replace the roof is one of the biggest turn-offs for a pro