San Diego Real Estate

You Deserve the very Best...

Elaine Silberberg has been a successful and highly dedicated Real Estate professional since 1999.

Elaine specializes in residential and income properties. As a full time professional Elaine is on top of the market changes, keeping abreast of every variable that may influence the marketability of a property.

When it comes to buying or selling in San Diego, it is nice to know you can have a reliable and experienced professional working for you. You will find Elaine to be dedicated and honest with a genuine commitment to providing superior Real Estate service.

Brazilian by birth, Elaine speaks three languages: English, Portuguese and Spanish. She has lived in California for over 18 years.

Elaine's experience and knowledge as a Real Estate professional includes marketing, contracts, negotiating, finance and relocation, working with both buyers and sellers.  Most of all, Elaine pays close attention to details which provides assurance of a hassle-free transaction.

Buying a home... When it is the best time to buy?
 

The fact is that the best time to buy is when you are ready! Don’t let the market changes influence your timing. Since no one can predict the future and interest rates are generally higher when the supply is greater than the demand, and prices tend to be more competitive.

For example, as you wait for prices to go down, interest rates are rising. A house that sold for $625,000 at 6.2% interest rate in January 2006, generated a mortgage payment of $3,062.00 (with 20% down payment or a second mortgage). Let’s take that same house in today's market. Maybe the house has been in the market for few weeks and the Seller decided to reduce to $600,000. Now, as you purchase this house with 20% down payment (or a second mortgage), at the new 6.9% interest rate, your mortgage payment will be $3,161.00.

Now, the mortgage payment is only one part of your loss: there are the tax benefit that you missed out for last 6 months, the rent payments that you made towards your landlord’s mortgage, but above all, you waited 6 months to enjoy your new home.

Don't wait any longer! Call me for a free consultation! I understand that your purchase is not only a financial decision, but also an emotional one.

Testimonials

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