The community of Ocean Ranch is one of Laguna Niguel’s finest.  Part of the master community of Bear Brand Ranch, Ocean Ranch is home to a large number of custom estates as well as two of the most prestigious “tract” home developments in the area. The Executive Edition and the Residences offer the discriminating homeowner up to (4200) sq ft. of living space, three-car garages, dramatic high ceilings, media rooms and more. Ocean Ranch is, with an entrance framed by beautiful waterfalls. The association facility located within is amongst the finest in the area, with a picturesque swimming center and sports court. Ocean views are abundant, and the location of Ocean Ranch provides homeowners with close proximity to Dana Point Harbor, the beach, and more of South Orange County’s most popular leisure activities.

Written on November 12th, 2012 , Community News



Acceleration: The right of the mortgagee (lender) to demand the immediate repayment of the mortgage loan balance upon the default of the mortgager (borrower), or by using the right vested in the due-on-sale clause.

Adjustable-Rate Mortgage (ARM): A loan on which the monthly payments will increase or decrease over time, based on changes in the ARM’s interest rate index. ARM payments typically are adjusted every six months or once a year. Common indices to which ARMs are tied include the 11th District Cost of Funds, one-year T-note and six-month T-bill.

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Written on November 12th, 2012 , Real Estate Tutor

When you choose an Agent you are hiring that person and not any Real Estate Company.  The Agent does all the work, and is an Independent Contractor to the Company.  But, the Listing contract is between you and the Company.  So you pay the sales commission to the Company, who then pays the Agent.  And the Agent cannot cancel the contract unless the Company agrees.  What that means is that if the Agent terminates the relationship with the Company, the Company can assign you to any other Agent they choose. 

Can you benefit from signing with one of the major well-known Companies?  Well the Company does no real work for you…the Agent does.  The Agent might have some resources from the Company,but honestly they are all the same.  So it is the Agent that really matters.

Can big Companies get you more exposure?  Think about that from the perspective of a buyer.  How does one find a house?  Today, most start on the Internet and do community research, and then search for homes using one of many house finding sites (like  To see homes they need to contact an Agent.  The Agent uses the MLS to find and show homes you are interested in, as well as any you found on-line.  So the key sources for buyers are 1) the Internet and 2) the Agent. 

So all this means, bottom line, the Agent is the one you hire, and the most important part of the listing equation.

Written on November 7th, 2012 , Tools for Sellers

Information for home and property buyers.

Written on November 7th, 2012 , Tools for Buyers

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