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Welcome, and thank you for visiting! I hope that you will consider this your resource for real estate information and services in San Diego, America's finest city! I hope you enjoy your visit and explore everything my website has to offer, including information about the communities of Carmel Mountain Ranch, Poway, Rancho Bernardo & all San Diego real estate listings. You will also find information for homebuyers and sellers, and current real estate news. Please click on the About Us link so I can introduce myself to you, your professional San Diego County Realtor. Be sure to watch my personal video below as well.

Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of available properties in the area, or use my Dream Home Finder form and I'll conduct a personalized search for you.

If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home. I would then look forward to meeting with you and sharing my comprehensive market strategy with you.

If you are thinking about buying or selling a home, work with a professional that listens to your needs and cares about YOU. If you would like to work with someone who believes that excellent, personalized service, professionalism, knowledge and enthusiasm are important, then I am the Realtor for you. I love what I do and I am passionate about helping people with their real estate needs in my home town of San Diego. Please contact me to talk about how I can help you! I have been delivering Million Dollar Service in Every Price Range to clients throughout San Diego since 1994.

Edith's Blog

Down Payment: FOUND!

Saving the down payment may be unnecessarily keeping would-be buyers from getting into a home. They may be unaware that the funds might be available.

The NAR Profile of Home Buyers and Sellers reports that 81% of first-time buyers got all or part of their down payment from savings. Less than 4% said that all or part of the down payment came from a withdrawal in their IRA and 8% from their 401(k) or pension fund. 21330457-250.jpg

Traditional IRAs have a provision for first-time buyers which include anyone who hasn’t owned a home in the previous two years. A person and their spouse, if married, can each withdraw up to $10,000 from their traditional IRA for a first-time home purchase without incurring the 10% early-withdrawal penalty. However, they will have to recognize the withdrawal as income in that tax year. For more information, go to IRS.gov

Allowable withdrawals from traditional IRAs can be from yourself and your spouse; your or your spouse’s child; your or your spouse’s grandchild or your or your spouse’s parent or ancestor.

Roth IRA owners can withdraw their contributions tax-free and penalty-free at any age for any reason because the contributions were made with post-tax income. After age 59 ½, earnings may be withdrawn as long as the Roth IRA have been in existence for at least five years.

Up to half of the balance of a 401(k) or $50,000, whichever is less, can be borrowed by the owner at any age for any reason without tax or penalty assuming the employer permits it. There can be specific rules for loans from a 401(k) that would determine the repayment; interest is usually charged but goes back into the owner’s account. You can consult with your HR department to find out the specifics.

A risk in borrowing against a 401(k) comes if your employment ends before the loan has been repaid. The loan may have to be repaid as soon as 60 days to keep the loan from being considered a withdrawal and subject to tax and penalty. Even if you continue with the same employer, failure to repay the loan could be considered a withdrawal also.

Your tax professional can provide you specific information on how making a withdrawal from your retirement program might affect you. Additional information can be found on www.IRS.gov.

It's not far, if you know the way

“It’s not far, if you know the way.” What this expression implies is that you could have a long way to go if you don’t know where you’re going or how to get there. Just like reading a map, there are some definite steps that will improve your success in buying a home in today’s market.12137546-250.jpg

  • Know your credit score – the best mortgage rates are available to borrowers with the highest scores. Unless you know what your credit score is at all three major credit bureaus, you don’t really know what rate you’ll have to pay.
  • Clean up your credit – it is estimated that about 90% of credit reports have errors. Some are not serious but others could affect a borrower from getting the loan they want. It is your responsibility to know what is on your different reports and correct them if possible. You’re entitled to a free copy of your credit report each year from Experian, Trans Union and Equifax.
  • Get pre-approved – Taking the time to make a loan application with a qualified lender even before you start looking at homes will provide peace of mind, make sure that you are looking at the “right” homes and may help you negotiate the best price on the home you select.
  • Do your homework – when you find the home that meets your needs and desires, get the home inspected and research the tax assessments, school ratings, crime activity, possible zoning changes and comparable sales in the area.

Call for a recommendation of a trusted mortgage professional and an inspector.

Sale of Home by Surviving Spouse

Special consideration is made by IRS for the sale of a jointly-owned principal residence after the death of a spouse. Surviving spouse may qualify to exclude up to $500,000 of gain instead of the $250,000 exclusion for single people if certain requirements are met.30725703-250.jpg

  • The sale needs to take place no more than two years after the date of death of the spouse.
  • Surviving spouse must not have remarried as of the sale date.
  • The home must have been used as a principal residence for two of the last five years prior to the death. 
  • The home must have been owned for two of the last five years prior to the death.
  • Survivor can count any time when spouse owned the home as time they owned it and any time the home was the spouse’s residence as time when it was their residence.
  • Neither spouse may have excluded gain from the sale of another principal residence during the last two years prior to the death.

If you have been widowed in the last two years and have substantial gain in your principal residence, it would be worth investigating the possibilities. Time is a critical factor in qualification. Contact your tax professional for advice about your specific situation. Contact me to find out what your home is worth in today’s market. See IRS Publication 523 – surviving spouse.

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Edith Broyles
Phone: (858) 735-9446
Email: edith@edithbroyles.com

Coldwell Banker Residential Brokerage
16789 Bernardo Center Drive Suite B
San Diego, CA 92128
CalBRE #01186526

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We cannot thank you enough for your professionalism and guidance! You have been by our side since the beginning! Because of you our experience of buying and selling this house will always be positive memories! Steve and Ashleigh
Edith is the consummate Realtor. When my wife and I listed our house with her, she made some staging suggestions and actually helped with furniture rearranging. During our first Open House, we received two offers and accepted one. When that fell through, She redoubled her efforts to sell our house, and to that end, she brought us a fully qualified cash buyer at a higher price, than the first offer. Edith skillfully guided us through the process and we closed the transaction, all within 35 days of listing the house with her! Thanks Edith for all you superlative work on our behalf! Marc
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