SCV Real Estate
December, 2016 - Issue #146
Model-perfect Executive Pool Home with No HOA/Mello Roos
You'll swoon over this Santa Clarita model-perfect two-story executive pool home with three-car garage, 60+ feet of gated RV parking with sewer hookup and incredible custom-built 1,600-square-foot fully-finished garage/workshop with 50A power, shop lights and central heating and cooling. With five bedrooms, three baths and 3,529 square feet of living space, this home will delight you! The entry includes volume ceilings, tile floors and a gorgeous wood staircase. There's a downstairs bedroom and full bath; laundry room; formal living and dining rooms; and a spectacular family room with dark custom cabinetry and media niche overlooking the spacious kitchen with granite counters, dark-wood cabinetry and windows illuminating the entertainers' backyard. Upstairs is a large bonus room/loft that can be used as a game or media room. You'll also find four good-sized bedrooms, inc luding the master suite, complete with dual vanities, walk in closets, tile floors and a separate tub and shower. The three-car garage has a pull-through garage door on the interior that allows you to pull all the way into the backyard that stars a sparkling pool. You won't find a more unique property on the market!
The Melville Team has served the Santa Clarita Valley since 2005 - because the right agent matters. 373-9714

Ability to Repay
It has been over nine years since the mortgage meltdown, but I still run into borrowers who are frustrated with their inability to qualify for a mortgage in the price range they desire. Fantastic credit scores and large down payments are vital in obtaining a low rate but are not the dominant factors in defining the loan amount you qualify for. It is the ability to demonstrate through traditional income documentation your ability to repay the loan that is paramount.

Back in the "good ol' days" a borrower's equity was considered as the most desirable prerequisite in limiting the risk for the investor. If you defaulted on the loan, a quick sale of the home would make the investor whole. No harm, no foul. However, what we learned from the relaxed approval policies was that borrowers were using only their equity to qualify and felt if the bank approved them for a loan... well, then, they must be able to repay it, right? The disconnect between being "approved" for a loan and the notion the borrower could "pay" for the loan was enormous. When the dust settled, the "good ol' days" looked more like the Wild West and the housing market collapsed as a result. Sit down with your local lender and do more than pre-qualify for a home loan. As a borrower you need to understand your loan program, loan limits and why you do or don't qualify. Be sure to have a discussion that includes your budget, financial goals and future real estate investments.
Andy Boron of Augusta Financial 291-2242

Remodeled Mandalay Bay Home in Channel Islands Harbor
This is the one you've been waiting for! This amazing Mandalay Bay home in the Channel Islands Harbor has an east-facing 40-foot boat dock easement to ensure that you get the most out of your Ventura County lifestyle. This very-desirable Bristol model has three large bedrooms, three baths and a generous 2,372 square feet. Built in 1971, the home has been remodeled with stunning tile floors through the first level; the kitchen boasts Ceasarstone countertops, white cabinets and GE and LG stainless appliances. You'll enjoy watching the boats go by with your Trek deck, vinyl fencing and super-cute deck space. On the first floor, entertain in your den, living room and dining areas. Then make your way upstairs via the hardwood-floor staircase, where you'll find a large loft and three spacious bedrooms. The master suite is big, with neutral carpet and paint, wood blinds and a jaw-dropping master bath with Ceasarstone and dark cabinets. There are two more large bedrooms that share a bathroom, too. This home is light, bright and close to the beach! You'll adore living in the Channel Islands Harbor where you can boat to restaurants and experience sea breezes daily.
Keith & Arlene Keller Williams Ventura County are the number-one sales team in the Channel Islands area and have sold more than 200 properties in the community. 805-338-4466

Executive Pool home with Mountain Views in Stevenson Ranch
You'll fall in love with this executive pool home with views of the mountains, plus a stunning entertainers' yard that features a sparkling pool, spa, barbecue and grassy area. This generously-sized family home boasts an expansive floor plan, including a formal living room with vaulted ceiling and large fireplace with raised hearth. The formal dining room has rich built-in cabinets and shelving, while the gourmet kitchen opens up to an impressively-sized family room with raised-hearth fireplace, shutters and a media niche wall of cabinets for storage galore. Downstairs you'll find a powder room with linen storage while upstairs you'll discover a landing with a work station. But work will be the last thing on your mind in the dramatically-sized master suite with a seating area and incredible view of surrounding hills. You'll relax in the master bath with giant soaking tub, his-and-hers vanities and separate dressing vanity with large walk-in closet. The secondary bedroom has its own bath and views, too. Two other bedrooms are found upstairs, along with another bath, plus laundry room with sink. Need even more than 3,480 square feet? Take a peek at the three-car garage! Listed at $839,000
Kathy Watterson of RE/MAX Santa Clarita knows that relationships matter. Put her 27 years of experience to work for you. 510-0321
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