Encinitas, Carlsbad and Cardiff By The Sea real estate and homes for sale in California, beachfront properties, homes with ocean views, luxury coastal properties, ocean view homes - Christie Kramer & Associates, REALTORS® Christie Kramer & Associates REALTORS(r) for Encinitas, Carlsbad and Cardiff By The Sea, California real estate, beachfront properties, homes with ocean views - NUMBER1EXPERTS™ Christie Kramer & Associates NUMBER1EXPERTS(tm) for Encinitas, Carlsbad and Cardiff By The Sea, California real estate, beachfront properties, homes with ocean views
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Christie Kramer & Associates, REALTOR®, real estate agents and broker for Encinitas, Carlsbad and Cardiff By The Sea California home listings, property and land for sale - NUMBER1EXPERT(tm)


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Real Estate - Homes - NUMBER1EXPERTS Sell More!
Christie Kramer & Associates are some of The Top Selling Real Estate Experts™
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Latest Listings: Encinitas, Carlsbad and Cardiff By The Sea California home buying, real estate listings, and homes for sale in San Diego County, CA
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Free Home Finder Service! 

Introducing My Free HomeFinder Service, no hassles, no-obligation, no pressure service. Every night, my computers download all the new listings in the San Diego area that were entered into the Realtor Multiple Listing Service during the previous day, (or if they fell out of escrow, reduced in price...) regardless of which company they are listed with. This information is usually available only to real estate companies, but now it's available to you free, and without obligation.  

If you would like comprehensive information on specific homes in specific areas and price ranges, there is no better or faster way to obtain it. Our computers do all the tedious work for you - free of charge - and deliver you new information on every home in any area you specify, on a daily basis, automatically, without you even having to talk to anyone.  

Here's how the HomeFinder program works. First, we program our computers to research all the homes, in any area that you want to live in, that meet your exact requirements. Then each morning, our computers automatically e-mails you, the brand new listings straight to you every day, or, if you prefer, once a week.
This new HomeFinder computer system is so efficient, and delivers the information to you so quickly, that you often have the information even before other real estate agents. So, this enables you to get the best buys before other buyers even know these properties are available.  

If you're like most homebuyers & sellers, you want information. Our HomeFinder Service gives you all the information you want, free of charge, with no obligation. Unlike other real estate agents, we won't call you and try to talk you into looking at houses. In fact, we will never call you about the listings our computer has sent you, unless you call us first.  

Our clients love our computerized HomeFinder Service, because they're able to get tons of information without the hassle of feeling obligated. When you receive the information from our computers, feel free to study the information, drive by the homes at your leisure, and if you want to see a home you like, you can call us and arrange for a private showing.  

Another huge benefit of our HomeFinder Service is that it doesn't cost you a penny. Thanks for taking the time to read this -and - best wishes in your home search.

Please provide the following information, (I will not put you on a phone marketing campaign) so that I can contact you if I need more information.  

- Click Here if you are interested in taking advantage of our computerized HomeFinder Service.  

Tell us what you are looking for! It's our job to know every property in Encinitas, Carlsbad and Cardiff By The Sea, even ones not listed online. Our personal search for you is FREE and without obligation. Please give us as many details as possible...  



Real Estate Tips
Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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Real Estate Trivia
Q 
What was the first territorial acquisition made by the U.S. Government?

A 
The Louisiana Purchase from France in 1803 for $15,000,000 increased U.S. national territory by 140%.
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Christie Kramer & Associates, REALTOR®, real estate agents and broker for Encinitas, Carlsbad and Cardiff By The Sea California home listings, property and land for sale - NUMBER1EXPERT(tm)

Christie Kramer-LeVander & Ric LeVander
Century 21 Seacoast

900 South Hwy 101
Encinitas, CA. 92024-2933
Phone (Ric): 760-632-9390
Phone (Christie): 760-632-9302
Email (Ric): RicLeVander@adelphia.net

We have been recognized for our outstanding client care, listening and service to our clients. Marketing a home is our passion! Our company, Century 21 Sea Coast, is the industry's leading real estate company. Christie has been recognized by Century 21 for sales achievement with the coveted Centurion Award for the last four years, putting her in the top 3% nationally! We will treat your home like it is our own, with love and care. You will be happy with your total experience!

Equal HousingGRIMLSREALTOR


Century 21 Seacoast real estate and homes for sale in Encinitas, Carlsbad and Cardiff By The Sea California

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