North Coast Window Cleaning
(760) 436-3040

From regular maintenance to the toughest jobs, North Coast Window Cleaning has the ability to keep you coming back for more for any cleaning job you need for your windows. Simple washing for regular maintenance, power washing for tough jobs, and even blind cleaning and screen repairs are all offered. And if you need more than just your windows cleaned, ask about their carpet cleaning and complete house cleaning services that are available. Family owned and operated for nearly 25 years, North Coast Window Cleaning will treat you like their first and only customer every time.

Rancho Carpet and Window Cleaning
(760) 758-0074

Their name says it all, and with over 30 years experience in North County you know that they’re doing a great job. Rancho Carpet and Window Cleaning not only provides excellent carpet and window cleaning services, they also offer fine cleaning services you won’t find at most companies. Have your mirrors cleaned, your chandeliers detailed, your shower doors serviced, and even your skylights cleaned with the same care and detail you’ll get with their window and carpet cleaning services. So if maintaining the finer details of your home is a must, choose Rancho Carpet and Window Cleaning.

Newman Replacement Windows, Inc.
(760) 438-8080

If your kids accidentally hit a line drive through your window while playing ball in the yard and you need your window replaced, Newman Replacement Windows is here to replace your window without cutting stucco in just one day! They offer affordable, quality installations and all of their windows are guaranteed for life. Windows is what they do best, and their professional and knowledgable staff is on hand to help you. Free in-home estimates are available, and they offer price matching of their competition to ensure you get the best deal for your windows. Visit their showroom in Carlsbad for ideas or call ahead and see why Newman Replacement Windows is the best place for new or replacement windows whenever an accident may strike.

Picture Perfect Windows
(760) 670-4219

The window and door specialists of San Diego County offer the best prices, best service, and the best selection of windows and doors. Their expert installers make sure each and every job is clean and professional for a seamless transition for your new windows. Call about their energy efficient windows that not only block out noise but help lower your utility bills up to 30%. Call and ask about receiving a 30% tax credit for replacing your windows by lowering your carbon footprint. Call now for your free estimate and save money while also helping the planet with new windows from Picture Perfect Windows.

Window Solutions
(760) 432-8046

The vinyl window and door replacement specialists guarantee your new windows from ordering to installation in less than 10 days. With expert pricing and professional installation, you know you’re in good hands with Window Solutions. Not only do they specialize in residential jobs, they also work with custom home builders, apartment complexes, condo conversions, and tract homes as well. Their educated staff conducts free in-home estimates and will work with you to help you lower energy bills, reduce outside noise, increase your home’s security, and add to the resale value of your house in the Encinitas real estate market or Carlsbad real estate market. Call now and ask about their lifetime warranties, because customer satisfaction is what they strive for and guarantee at Window Solutions.

Best Window Washers and Window Installers in Town! is a post from: Encinitas Realtor Blog

            There has been a lot in the news and conversation within the real estate community about getting an $8,000.00 credit if you purchase a home this year.  This is true and it is one heck of a deal; with that said nothing is that easy to get, especially from the Federal Government, so here are the details.

• 1) To qualify as a first-time homebuyer you could not have owned a home for the last three years. For example if you are buying in 2009 you could not have owned any property in the years 2006, 2007 and 2008.
• 2) Maximum annual income is $75,000 if you are single and $150,000 if married filing jointly.
• 3) You have to live in the property for a minimum of three years as your primary residence to avoid repayment of the credit.
• 4) Credit will be taken on your 2009 Federal Tax returns; see this link for the form and instructions on eligibility http://www.irs.gov/pub/irs-pdf/f5405.pdf
• 5) To get all of the details of how this first-time homebuyer credit can benefit your income taxes for the 2009 tax year contact your accountant.

 Have you established a budget to see what you can afford or how to save to buy for a home?  Check out this web site http://www.mint.com/ to setup a budget. 

What price range do you qualify for or just have some home loan questions?  Give me a call at 858.354.7024, email me curt@curtconkling.com or visit my webpage at www.curtconkling.com and click on contact us

First Time Home Credit of $8000.00 is a post from: Encinitas Realtor Blog

If you’ve seen the news lately, you know concerns about inflation are increasing. But what does it really mean to you?

The fact is, inflation is a very serious issue, and it will likely be on the rise as 2009 proceeds…and along with it, home loan rates will rise too.

To help you learn more about this important topic, I want to send you a link to a short video, featuring the nation’s foremost mortgage industry expert. In this video, you’ll learn how inflation impacts interest rates and what the outlook is for down the road.

Because home loan rates will be on the rise and you are looking to purchase or refinance your home now’s the time to act.

Contact me today to discuss your specific situation, and feel free to forward this email and video link along to others that you think might benefit from it as well.

Watch the Video

What a roller coaster ride it continues to be; if you want a more in-depth look at last week’s economic activity and how it impacted mortgage rates you can go to my website at www.curtconkling.com and click on MMG Weekly icon.  Check out this other website from the Federal Housing Administration http://www.fhaoutreach.gov/FHAFAQ/  regarding frequently asked questions.

Curt Conkling; curt@curtconkling.com

What’s Going on with Inflation and Interest Rates? is a post from: Encinitas Realtor Blog

What happen last week to home loan interest rates?

            With all of the spending the federal government is doing to stimulate the U.S. economy it has to pay for it through selling treasury bills to raise cash.  Along with the sale of treasury bills, an increase in mortgage back securities is hitting the secondary market which has created an over-supply of new bonds in the market.  This drives the prices of bonds lower and interest rates higher.  In addition to this over supply of bond money some not so worse than expected economic numbers have given hope to investors and have spurred a rally in the stock market thus fewer dollars being invested in the safer bonds and more dollars are invested in the riskier equities market.

            Ouch…the reality is that where the 30 year fixed rate was around 4.75% a week ago is now more around 5.375% and it is not likely that we will see these rates come back down anytime soon.  Don’t get me wrong rates are still historically low, but what this shows us is that low low rates are not going to be here forever and those consumers that are looking for the lowest rates before they commit will ultimately lose out.

What a roller coaster ride it has been; if you want a more in-depth look at last week’s economic activity and how it impacted mortgage rates and more interesting facts you can go to my website at www.curtconkling.com or click on MMG Weekly.

Interest Rates for Home Loans are changing is a post from: Encinitas Realtor Blog

No matter what you are hearing out in the news what you do need to know is there has been no better time to buy a home than now.  Interest rates are at historic levels, 5% and lower, money is available for consumers to borrower and home prices are now within affordable price ranges (see Linda for a list of available homes at (lindasellsmoore.com).  If that is not enough of an incentive the federal government has created an additional incentive; if you’re a first time homebuyer and purchase a home within 2009 you could be eligible for a federal housing tax credit of up to $8,000.00.

All though lenders have revised their qualifying criteria’s they are motivated to finance current and future homeowners; many of you have the option of a government insured loan, FHA, that requires as little as 3.5% down payment and a loan amount a high as $697,500.00 and if you are a veteran you can purchase a home with a zero down payment.  If a government insured loan is not what you need there are many conventional loans that are available that will meet your needs too.

Before you buy get pre-approved by a loan officer that is experienced and has the knowledge to navigate you through the loan approval process, this is a service that is no cost to you.  Once you are pre-approved for your home loan you will know exactly what you purchase price range is and what you can afford.  If you are not sure if you can or can’t buy find out today homeownership is possible with the right team on your side.

Curt Conkling

Curt Conkling is a Senior Loan Officer with Guild Mortgage and has been providing residential financing to home owners since 1991.  Questions can be email to him at curt@curtconkling.com or visit his website at www.curtconkling.com

Home Loan Financing is Available for You is a post from: Encinitas Realtor Blog