Santa Barbara Independent Real Estate, 1/27/22

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INDEPENDENT REAL ESTATE JANUARY 27, 2022 realestate.independent.com

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PRESENTED BY

LAUREL ABBOTT FOR DETAILS, SEE PAGE 9

TAKE A VIRTUAL TOUR TODAY

at bhhscalifornia.com

OPEN SUN 1-3

679 MISSION CANYON RD, EASTSIDE UPPER 5BD/5½BA • $5,495,000 Kathy Hughes, 805.448.4881 LIC# 00521702 OPEN SAT 12-3

136 LOUREYRO RD, SANTA BARBARA 2BD/1BA;2BD/1BA Duplex • $2,250,000 Neary & Associates, 805.698.8980 LIC# 01491532 OPEN SUN 1-3

165 DEL CANTO LN, SANTA BARBARA 3BD/2BA • $1,895,000 Douglas & Associates, 805.318.0900 LIC# 02024147 OPEN SUN 1-3

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INDEPENDENT REAL ESTATE

JANUARY 27, 2022

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500 MEADOW WOOD LN, MONTECITO UPPER 4BD/3BA + 2 offices • $6,650,000 Daniel Encell, 805.565.4896 LIC# 00976141

36 BARRANCA AVE #1, MESA 2BD/2BA • $1,549,000 Scott S Williams, 805.451.9300 LIC# 00628741

5062 BIRCHWOOD RD, SANTA BARBARA 2BD/1+(2)½BA • $784,000 Madhu Khemani, 805.252.0265 LIC# 01387945

@BHHSCALIFORNIA

© 2022 Berkshire Hathaway HomeServices California Properties (BHHSCP) is a member of the franchise system of BHH Affiliates LLC. BHHS and the BHHS symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. BHH Affiliates LLC and BHHSCP do not guarantee accuracy of all data including measurements, conditions, and features of property. Information is obtained from various sources and will not be verified by broker or MLS. Buyer is advised to independently verify the accuracy of that information.

OPEN SAT 1-4

BERKSHIRE HATHAWAY HOMESERVICES CALIFORNIA PROPERTIES is pleased to congratulate

NANCY KOGEVINAS

on the successful representation of

on the successful representation of

the seller & buyer of 2794 Bella

the seller of 805 Picacho Lane,

Vista Drive, Listed for $9,750,000 & the buyer of 805 Picacho Lane,

Listed for $20,000,000.

Listed for $20,000,000.

CRISTAL CLARKE 805.879.5000 cristal@montecito-estate.com Montecito-Estate.com LIC 00968247

THOMAS SCHULTHEIS

NANCY KOGEVINAS 805.879.8060 nancy@kogevinas.com MontecitoProperties.com LIC 01209514

LAURA DRAMMER on the successful representation of

the seller of 4210 Llano Avenue,

the buyer at 4210 Llano Avenue,

Listed for $5,950,000.

Listed for $5,950,000.

THOMAS SCHULTHEIS 805.729.2802 SBRealtorTom@Gmail.com LIC 01847740

LAURA DRAMMER 805.448.7500 laura@lauradrammer.com LauraDrammer.com LIC 01209580

BRENDA CLOUD on the successful representation of

the seller at 765 Via Airosa,

the buyer at 4909 Baseline Avenue,

Listed for $4,975,000.

Listed for $2,895,000.

TEAM SCARBOROUGH 805.331.1146 ann@teamscarborough.com TeamScarborough.com LIC 175506119 / 01182792

BRENDA CLOUD 805.901.1156 BrendaCloud@bhhscal.com LIC 01772551

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on the successful representation of

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TEAM SCARBOROUGH

JANUARY 27, 2022

on the successful representation of

INDEPENDENT REAL ESTATE

© 2022 Berkshire Hathaway HomeServices California Properties (BHHSCP) is a member of the franchise system of BHH Affiliates LLC. BHHS and the BHHS symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. BHH Affiliates LLC and BHHSCP do not guarantee accuracy of all data including measurements, conditions, and features of property. Information is obtained from various sources and will not be verified by broker or MLS. Buyer is advised to independently verify the accuracy of that information.

CRISTAL CLARKE

JOE RAMOS

KAMRAN MOSTOFI

on the successful representation of

on the successful representation of

the seller & buyer of

the seller of 6045 Bridgeview Drive,

954 Alamo Pintado Road,

Listed for $2,249,000.

Listed for $2,495,000.

JOE RAMOS 805.680.6849 joeramos@bhhscal.com LIC 02040488

KAMRAN MOSTOFI 360.908.1038 KamranMostofi@bhhscal.com LIC 02145968

TAKE A VIRTUAL TOUR TODAY at bhhscalifornia.com

1086 CHANNEL DR, MONTECITO LOWER 3BD/2½BA • $19,500,000 Cristal Clarke, 805.886.9378 LIC# 00968247

2692 SYCAMORE CYN RD, MONTECITO 7BD/8½BA • $16,850,000 Nancy Kogevinas, 805.450.6233 LIC# 01209514

2150 ORTEGA RANCH LN, MONTECITO 4BD/4½BA • $12,950,000 Nancy Kogevinas, 805.450.6233 LIC# 01209514

2285 BELLA VISTA DR, MONTECITO UPPER 4BD/6BA • $12,950,000 Team Scarborough, 805.331.1465 LIC# 01182792

350 GREENWELL AVE, SUMMERLAND 2BD/2½BA; ±11.75 acres • $10,500,000 Bartron Real Estate Group, 805.563.4054 LIC# 01005021

701 LINDEN AVE, CARPINTERIA ±11,325 sq ft commercial • $8,950,000 Nancy Kogevinas / Ken Switzer, 805.450.6232 LIC# 01209514

119 HOLLISTER RANCH RD, GAVIOTA Built in 2021; 3bed/2bath + barn • $8,500,000 Laura Drammer / Cole Robbins, 805.448.7500 LIC# 01209580 / 199501434

1104 FOOTHILL RD, OJAI 4BD/4½+½BA • $5,995,000 Cristal Clarke, 805.886.9378 LIC# 00968247

1950 LEMON RANCH RD, MONTECITO ±1 acre • $5,300,000 Chase Enright, 805.708.4057 LIC# 01800599

1234 ALAMO PINTADO RD, SANTA YNEZ 4BD/3½BA;±7.28 acres;ADU • $2,495,000 Joe Ramos, 805.680.6849 LIC# 02040488

56 OLIVE MILL RD, MONTECITO 3BD/3BA • $2,250,000 Daniel Encell, 805.565.4896 LIC# 00976141

1675 KRONEN WY, SOLVANG 3BD+office/2½BA;±2.61acs • $1,799,999 L. Drammer / C. Godeck-Pinoli, 805.452.9725 LIC# 01209580 / 02074002

1196 EDGEMOUND DR, SANTA BARBARA 3BD/2BA • $1,695,000 Randy Freed & Kellie Clenet, 805.705.5334 LIC# 00624274 / 01434616

RICE RANCH AREA, SANTA MARIA ±146 Acre Rice Ranch area • $1,500,000 Kerry Mormann & Associates, 805.682.3242 LIC# 00598625

608 SAN RICARDO DR, GOLETA SOUTH 3BD/2BA • $1,095,000 The Easter Team, 805.570.0403 LIC# 00917775

5824 THYME PL, SANTA MARIA 3BD/3BA • $869,000 Ealand & Sideris Group, 805.698.9902 LIC# 01766178 / 00603730

234 ROBLES WY, BUELLTON 3BD/3½BA • $779,000 Mathew Raab, 805.705.5486 LIC# 02063526

1900+ LAS CANOAS RIDGE WY, MISSION CYN ±.87 acre • $749,000 Bill Urbany & Alisa Pepper, 805.570.5680 LIC# 00717028 / 01347807

HIGHWAY 41, MORRO BAY ±13.9 acres • $225,000 Jody Neal, 805.252.9267 LIC# 01995725

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INDEPENDENT REAL ESTATE

JANUARY 27, 2022

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OPEN SUN 1-3

@BHHSCALIFORNIA

© 2022 Berkshire Hathaway HomeServices California Properties (BHHSCP) is a member of the franchise system of BHH Affiliates LLC. BHHS and the BHHS symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. BHH Affiliates LLC and BHHSCP do not guarantee accuracy of all data including measurements, conditions, and features of property. Information is obtained from various sources and will not be verified by broker or MLS. Buyer is advised to independently verify the accuracy of that information.

848 HOT SPRINGS RD, MONTECITO 3BD/3+3½BA • $21,500,000 Nancy Kogevinas, 805.450.6233 LIC# 01209514

Step into this light, bright and airy, recently renovated 4 Bedroom, 2.5 Bath single level home! The open kitchen provides plenty of counter space, complete with quartz countertops, stainless steel appliances, a large pantry and functional breakfast bar. To access the backyard by way of the living room, step through the double Dutch doors and onto the back covered patio space, perfect for outdoor dining. The primary bedroom is a special feature of the home in itself! Set apart in its own wing of the house, one gets the feeling of privacy and luxury in the expansive space with a large walk-in closet and spa-like bathroom.

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The expansive backyard provides space and privacy. From the large lawn area to the unique glass greenhouse and various fruit trees, there are plenty of spaces to play, entertain, and simply kick back and enjoy the outdoors. Conveniently located between Santa Barbara and Goleta, in the desirable Foothill School attendance area, close to parks, shopping and restaurants, this property is absolutely one of a kind!

JANUARY 27, 2022

450 Los Verdes Drive | Santa Barbara | $1,499,000

INDEPENDENT REAL ESTATE

Just Listed by The Easter Team

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GLORIA EASTER DRE #00917775

JENNY EASTER DRE #01858581

BROOKE EBNER DRE #01923719

TAYLOR PHILLIPS DRE #01912018

805.453.7071 | Associates@EasterTeamRealtors.com | EasterTeamRealtors.com

REAL Service . REAL People . REAL Trust. REAL ESTATE.

© 2022 Berkshire Hathaway HomeServices California Properties (BHHSCP) is a member of the franchise system of BHH Affiliates LLC. BHHS and the BHHS symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. BHH Affiliates LLC and BHHSCP do not guarantee accuracy of all data including measurements, conditions, and features of property. Information is obtained from various sources and will not be verified by broker or MLS. Buyer is advised to independently verify the accuracy of that information.

©D'a H g`' g g ZH'a ͡ ©'Ύ ' ZZ Ha͠ “We bought a home in Montecito during a crazy time in the real estate market. Because of the professionalism, kindness, and experience of Marsha and her team, what could have been nerve-wracking was instead more of an adventure. The Marsha Kotlyar Estate Group is highly sought after for good reason.”

©:RUGV FDQ¬W H[SUHVV KRZ WKDQNIXO ZH DUH WR WKH 0. JURXS IRU KHOSLQJ XV ²QG our home in Santa Barbara. During an incredibly hot real estate market, Marsha and team were the calm we needed in the storm. As an out-of-area buyer, it was imperative to work with a group we could trust implicitly to see houses for us, understand our needs and ultimately deliver. We know the only reason we were able to secure our home with over 8 offers was because of Marsha’s incredible relationships and rapport with fellow agents and her expert knowledge of every nook and cranny of the Santa Barbara market. We look forward to working with them for all of our real estate needs in the future!”

- A & R

JANUARY 27, 2022

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- K & A

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INDEPENDENT REAL ESTATE

“Super happy I picked Marsha Kotlyar Estate Group to help with this transaction. I have now both purchased and sold a house with Marsha and her team, and they delivered as promised. My house could not have been sold quicker, and I was super happy with the price realized. The team is professional, wonderful and easily contactable communicators, work well as a team, and are on top of details. Most importantly, they know how to get the job done using their knowledge and negotiating experience to maximize the potential upside yet with respect for the process. A+ for experience, industry knowledge, marketing, intuition, accessibility, and ultimately for delivery!”

- M &T

©:RUNLQJ ZLWK 0DUVKD $OOLH DQG %ULWWDQ\ PDGH RXU IDPLO\ RI ²YH¬V PRYH IURP /RV $QJHOHV WR 0RQWHFLWR DV VHDPOHVV DV SRVVLEOH 1RW RQO\ GLG WKH\ ²QG XV a gem of a property in a very competitive market, but guided us through the process in a supportive and assuring way. Their local knowledge and willingness to connect us to others (schools, service providers, neighbors, etc) continues to help us thrive in Montecito today. Not to mention, we loved supporting a woman-owned and operated business!”

- B & L

“Marsha and her team’s combination of warmth, tenacity and expertise made us feel beyond lucky to have found them. On multiple occasions ZH IHOW OLNH WKH .RWO\DU WHDP WUXO\ ZHQW WR EDW IRU XV LQ D XQLTXHO\ GLI²FXOW market and especially challenging time. Could not recommend more highly.”

- G & C

INDEPENDENT REAL ESTATE JANUARY 27, 2022

OVER $283 MILLION SOLD IN 2021 | 49 TRANSACTIONS - 35% OFF MARKET

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MARSHA KOTLYAR ESTATE GROUP MontecitoFineEstates.com Home@MKGroupMontecito.com 805.565.4014 Lic. # 01426886 © 2022 Berkshire Hathaway HomeServices California Properties (BHHSCP) is a member of the franchise system of BHH Affiliates LLC. BHHS and the BHHS symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. BHH Affiliates LLC and BHHSCP do not guarantee accuracy of all data including measurements, conditions, and features of property. Information is obtained from various sources and will not be verified by broker or MLS. Buyer is advised to independently verify the accuracy of that information.

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realestate.independent.com JANUARY 27, 2022 INDEPENDENT REAL ESTATE

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Back to Basics for Powerful Productivity A

ll-star baseball players routinely practice fundamentals. Million Dollar Club salespeople make daily cold calls. And so it is with productivity.

The five basics of food, sleep, exercise, communication, and space cannot be replaced or replicated. You can have the most organized to-do list or the highest technology running your projects, but if you haven’t slept well, nourished yourself, or communicated clearly, you are likely not going to be at your peak performance.

The more you focus on the fundamentals of your individual wellness, the greater your c ap acit y to focus on the bigger picture.

Whether you are an employee, CEO, or stay-at-home mom (which I consider CEO of the family),

by Sara Caputo you gotta know what your best practices are, stick to them, and create consistency so you can show up at your best for whatever you’re focusing on in both your work and home life.

In my years of consulting and coaching with teams and companies in all areas of

SIMPLY 805

productivity and workplace and life efficiency, these five basics stand out over everything else: Food: Proper nutrition is critical to all bodily functions, but it’s most important to top-notch decision-making as priorities shift through the day. Yep, I guarantee that come 3 p.m. on a skipped-lunch belly that your calendar app is going to look fuzzy.

Three tools: Plan meals for the week.

Pack lunch the night before. Stop skipping lunch!

Sleep: It stands to reason that when we don’t get enough sleep, our work suffers. Health professionals recommend seven to nine hours of sleep a night for adults. Remember, there is a difference between enough sleep for performing optimally and getting by. With chronic sleep deprivation, attention and focus are hijacked, everything gets wonky, and decision-making becomes impaired.

Three tools: Set a timer to start going to bed earlier. Declutter your bedside table. Be consistent in when you go to bed — you can easily create your own jetlag situation when sleep is not consistent, which wreaks havoc on the body.

Exercise: Exercise does a body good. New research shows it doesn’t take much—just 30 minutes of walking per day or 20 pushups and 20 sit-ups can be good enough.

Exercise is all about the planning! It has less to do with motivation and more to do with planning. The more friction there is between you and your plan, the less likely you are to execute it.

Three tools: Plan a month of exercise on your calendar, blocking the time with specifics of exercise. Pack or lay out clothes, shoes, and iPod the night before. Find an accountabilibuddy (a k a: accountability partner).

Communication: Communication goes both ways. I have seen very clean systems break down quickly due to a lack of simple communication. Effective communication is the platform for strong productivity and efficient systems in the workplace. Are you having one-on-ones with team members?

Are you talking to your supervisor at least once a week about specific tasks? Does your team gather at least once a day or week to make sure everyone is on the same page?

Three tools: Schedule regular oneon-one meetings with your supervisor.

Remember that Clear Is Kind; Unclear Is Unkind. Schedule a one-on-one in your home life as well with roommates, partners, or families.

Space: Environment has a massive impact on productivity. I always ask clients this: Is your space hindering or enhancing your focus? Take a look around and answer for yourself. Is your space facing outward and causing ongoing distractions throughout the day? Is your paper system clogged due to a lack of a file system? Yes, it takes time, but a new system aligned with current operations, projects, and team members will catapult you into a totally different place mentally.

Three tools: Rearrange your space.

Go for it. Do it. Now! It will bring new energy and a different feel. Guaranteed.

Go vertical: Flip up your stuff so you can see it and find things. If you have a space that you’re tired of looking at, shove it all into a box, put it in the closet for three months, and if you never need anything in it, put it in the trash. This gives you an instant clean space, fresh start, and clear mind!

I’m not advocating tossing the technology. The point is that without the foundation of these five basics of food, sleep, exercise, communication, and space, the highest levels of productivity and efficiency are impossible. Here’s to a simple, productive, and fresh new year ahead!

Sara Caputo transforms how individuals, teams, and small businesses navigate workflow and increase productivity. Her work has been featured in Working Women, Success, and Forbes, as well as other national and regional publications. She can be reached at sara@saracaputoconsulting.com.

1110 ALAMEDA PADRE SERRA

INDEPENDENT REAL ESTATE JANUARY 27, 2022

Offered at $3,125,000

805.455.5409 Laurel@LaurelAbbott.com DRE 01247432 © 2022 Berkshire Hathaway HomeServices California Properties (BHHSCP) is a member of the franchise system of BHH Affiliates LLC. BHHS and the BHHS symbol are registered service marks of Columbia Insurance Company a Berkshire Hathaway affiliate. BHH Affiliates LLC and BHHSCP do not guarantee accuracy of all data including measurements, conditions, and features of property. Information is obtained from various sources and will not be verified by broker or MLS. Buyer is advised to independently verify the accuracy of that information.

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This beautiful and dramatic mid-century modern home was designed in 1962 specifically to showcase the Santa Barbara coastline. The living area, kitchen, dining room, primary bedroom suite, and home office each showcase a different view, creating a dynamic display of city lights and glistening shoreline. The home flows gracefully from living to dining to kitchen with plenty of natural light and provides single level living on the main floor. There’s a 110v electric lift in the backyard of this single-level home so that the front entry stairs can be avoided if preferred. A pull-through driveway with motorized gate and a city-approved extra parking place that add value and convenience. This prized location on Santa Barbara’s famed Riviera is near the beach, downtown, parks, and shopping, and is available for exclusive showings now.

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Iconic mid-century modern with sweeping ocean and city views!

NEW LISTING | CAMBRIA

SANTA YNEZ

OJAI

The Retreat at Moonstone Beach

Pepper Oaks Farm

Grantwoods Property

169+/- ACRES | $17,000,000

14+/- ACRES| $14,000,000

RetreatAtMoonstoneBeach.com

PepperOaksFarmsantaynez.com

GrantwoodsEstate.com

D U S T Y B A K E R G R O U P 805.570.0102

B R A D Y G R O U P 805.331.3053

B E R T R A N D D E G A B R I A C 805.570.3612

NEW LISTING | BUELLTON

SOLVANG

NEW LISTING | GOLETA NORTH

Santa Rita AVA

The Alisal Ranch...it’s a Lifestyle

Ranch Style Cul-De-Sac Home

200+/-ACRES | $2,495,000

2BD | 2BA | $1,525,000

4BD | 2BA | $1,225,000

200PrimeAcres.com

965AlisalRanch.com

516DaltonWay.com

J J L A M B E R T 805.350.0924 R O B E R T H E C K E S 805.637.0047

S U S A N B E C K M A N N 805.245.8141

D U S T Y B A K E R G R O U P 805.570.0102

CARPINTERIA

1984ArribaSt.com

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INDEPENDENT REAL ESTATE

JANUARY 27, 2022

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5BD | 6BA/3PBA | $40,000,000

Secluded Hilltop Ocean View Oasis

M I C H A E L N I C A S S I O 805.698.2253

7BD | 6BA/3PBA | $6,495,000 SANTA BARBARA REGION BROKERAGES | SANTA BARBARA | MONTECITO | SANTA YNEZ VALLEY

© 2022 Sotheby’s International Realty. All Rights Reserved. Sotheby’s International Realty® is a registered trademark and used with permission. Each Sotheby’s International Realty office is independently owned and operated, except those operated by Sotheby’s International Realty, Inc. All offerings are subject to errors, omissions, changes including price or withdrawal without notice. Equal Housing Opportunity.

DRE License Numbers for All Featured Agents: Michael Nicassio: 01733931 | Patty Murphy: 766586 | Eric Lavey: 1511292 | Micah Brady: 1219166 | Bertrand de Gabriac: 1925983 | Maureen McDermut: 1175027 | : 02146272 | Jan Finley: 1351826 | Tyler Mearce: 1969409 | JJ Lambert: 1875597 |Susan Beckmann: 1185206 | Dusty Baker: 1908615 | Linda Borkowski: 1970135 | Lauren Daniels: 2015901 |

Nothing compares.

NEW LISTING | SANTA BARBARA

El Molino Estate

Unique & Irreplaceable Opportunity

Bel Air Knolls Home

6BD | 6BA/3PBA | $8,500,000

3BD | 2BA/1PBA | PRICE UPON REQUEST

4BD | 2BA/1PBA | $2,795,000

200OliveMillRoad.com

EnchantingSantaBarbaraOasis.com

1144Portesuello.com

M A U R E E N M C D E R M U T 805.570.5545 M A U R E E N M A R T I N E Z 805.708.9773

J A N F I N L E Y 805.698.7549

T Y L E R M E A R C E 805.450.3336 R E N E E M A R V I N 805.698.1590

NEW LISTING | VENTURA

NEW LISTING | SANTA YNEZ

SANTA MARIA

Multi-Family Retreat in Oak View

Ranch Style Home on a Cul-de-Sac

Upgraded Home, Gated Community

5BD | 2BA | $899,000

3BD | 2BA | $895,000

4BD | 2BA/1PBA | $564,900

5Brandt.com

3640Cedar.com

1658Chianti.com

L I N D A B O R K O W S K I 805.252.7305

B R A D Y G R O U P 805.331.3053

L A U R E N D A N I E L S 559.301.1620

JANUARY 27, 2022

NEW LISTING | SAN MARCOS PASS

INDEPENDENT REAL ESTATE

MONTECITO

4066PaseoPoco.com

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SANTA YNEZ

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Contemporary Hacienda

P A T T Y M U R P H Y 805.680.8571

3BD | 3BA/1PBA | $4,495,000

SOTHEBYSREALTY.COM

“ American Riviera was helpful all through the process of buying our first home. They were patient and had an answer for every question.

They were so great, we came back to purchase our next home!”

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INDEPENDENT REAL ESTATE

JANUARY 27, 2022

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— KELLY & ELIZABETH HAHN, HOMEOWNERS

This is True Community Banking HOM E EQU I T Y L I N E S | CON FOR M I NG & J U M BO MORTG AGE S | BR I DGE LOA NS

Combining our expertise with yours to find solutions for your unique needs.

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Visit us at AmericanRiviera.Bank • 805.965.5942

Exclusive Member of

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INDEPENDENT REAL ESTATE

1141 Glenview Rd | Montecito | 4BD/3BA DRE 01005773 | Offered at $6,250,000 Gregg Leach 805.886.9000

2462 Golden Gate Ave | Summerland | 4BD/3BA DRE 00973317 | Offered at $3,695,000 Tobias Hildebrand 805.895.7355

1220 Franklin Ranch Rd | Goleta | 3BD/5BA DRE 01463617 | Offered at $12,500,000 Knight Real Estate Group 805.895.4406

1833 Fletcher Way | Santa Ynez | 5BD/6BA DRE 00753349 | Offered at $12,250,000 Carey Kendall 805.689.6262

121 Via Del Cielo | Santa Barbara | 5BD/5BA DRE 00895030 | Offered at $10,000,000 Ron Dickman 805.689.3135

2347 E Valley Rd | Montecito | 6BD/8BA DRE 01402612 | Offered at $6,495,000 Marcy Bazzani 805.717.0450

4815 Sandyland Rd Unit A | Carpinteria | 4BD/4BA DRE 01391451 | Offered at $4,200,000 Lynn Z Gates 805.705.4942

130 Santa Rosa Pl | Santa Barbara | 4BD/3BA DRE 02070430 | Offered at $3,695,000 David Allen 805.617.9311

1356-1358 Plaza Pacifica | Santa Barbara | 2BD/4BA DRE 00907671 | Offered at $3,495,000 Alyson Spann 805.637.2884

7796 Goldfield Ct | Goleta | 3BD/4BA DRE 00907671 | Offered at $3,200,000 Alyson Spann 805.637.2884

2460 Golden Gate | Summerland | 5BD/3BA DRE 01384768 | Offered at $2,590,000 Farideh Farinpour 805.708.3617

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1395 Oak Creek Canyon Rd | Montecito | 4BD/8BA DRE 01447045 | Offered at $19,500,000 Riskin Partners Estate Group 805.565.8600

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4160 La Ladera Rd | Santa Barbara | 6BD/8BA DRE 01447045 | Offered at $19,995,000 Riskin Partners Estate Group 805.565.8600

JANUARY 27, 2022

888 Lilac Dr | Montecito | 6BD/8BA DRE 01447045 | Offered at $33,500,000 Riskin Partners Estate Group 805.565.8600

OPEN SAT/SUN 11-3

1533 De La Vina St | Santa Barbara | 10BD/2BA DRE 00849100 | Offered at $2,225,000 Vicky Garske 805.705.3585

59 San Dimas Ave | Santa Barbara | 4BD/2BA DRE 00837659 | Offered at $1,395,000 Patricia Griffin 805.705.5133

OPEN SAT/SUN 1-3

331 Por La Mar Cir | Santa Barbara | 1BD/1BA 01735358/02020854 | Offered at $849,000 Abbott/Hall 805.708.3221

LOCALLY OWN ED | G LO BALLY C O N N ECT ED WE REAC H A GLO BAL AU D I E N CE T H ROUG H OU R EXC LUSIVE AFFILIAT ES LEARN MO RE AT VILLAG ES IT E .C O M All information provided is deemed reliable, but has not been verified and we do not guarantee it. We recommend that buyers make their own inquiries.

21 Chamiso Dr | Los Alamos | 3BD/2BA DRE 01031367 | Offered at $760,000 Nancy Rizzo 805.403.2700

Know How Much Home You Can Buy Q: Marsha, my partner and I just started looking for our

first home to purchase. Our Realtor said we had to get loan pre-approval before we could even begin to look.

We have gone to several different lenders, and they’ve all said the same thing: Our debt-to-income level is too high. What is this exactly and what can be done? We are ready to purchase!

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INDEPENDENT REAL ESTATE

JANUARY 27, 2022

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Real Estate Q&A

A: Your Realtor is right to have

you obtain a lender pre-approval before you seriously begin your search. How else will you actually know how much home you can afford to purchase? It is the debt-to-income ratio, along with your credit score or FICO, that will determine your purchasing power.

Lenders work with two debtby Marsha Gray to-income (DTI) ratios: the frontend ratio and the back-end ratio.

The front-end ratio will calculate how much of your gross income will be spent on your monthly housing expense. This includes the mortgage payment, taxes, insurance, homeowner association fees, etc. This total amount is called PITI, which stands for principal, interest, property taxes, and insurance. This number will be divided by your partner’s and your gross monthly income (before taxes and other deductions from your paycheck). Lenders generally want to see this number at 30 percent or below.

The back-end DTI ratio is the more important figure. The back-end ratio includes all the borrowers’ debts — housing expenses, PITI, credit card debt, alimony, car loans, student loans, and any other recorded loans. This total number will be divided by the borrowers’ gross monthly income. The lower this backend DTI ratio, the better. Conventional loans that are purchased by Fannie Mae or Freddie Mac should not have a back-end DTI of more than 43 percent.

When your lenders say your back-end DTI ratio is too high, what they mean is that your DTI is too high to obtain the best interest rates available. The rates you hear about in the news are for A-plus borrowers. These people have high credit scores, fantastic DTI, are not selfemployed, are never late on payments, and are purchasing or refinancing a single-family residence.

If you don’t fit perfectly into this scenario, your interest rate will be higher. How much higher depends on your personal story. A lot can be done to improve your DTI. Dive into your credit report. What outstanding debts are keeping your DTI too high? Perhaps you can pay off your car loan or pay down your credit cards.

There could be old debts that are paid off and the creditor didn’t remove the information. Don’t get discouraged if you are unable to get the interest rate you wanted.

You may choose to accept a higher interest rate for your first purchase, and that’s fine. Jump in and make your first property purchase. The odds are strong that

this will not be your “forever home.” Once you’ve purchased your home, go to work diligently to lower your DTI and improve your credit scores. No one knows where interest rates will be in a year. You may be able to refinance your home and drop your payments. Don’t let your DTI and a higher interest rate stop you from making your first purchase.

Marsha Gray, DRE #012102130, NMLS#1982164, has been a real estate broker in Santa Barbara for more than 20 years. She works at Allyn & Associates, real estate services and lending. To read more Q&A articles, visit MarshaGraySBhomes.com. She will research and answer all questions submitted. Contact Marsha at (805) 252-7093 or MarshaGraySB@ gmail.com.

OPEN HOUSES Saturday 1/29 & Sunday 1/30 Goleta

The Mesa

5512 Armitos Ave #34, 1BD, 1BA, Sat 11-3 & Sun 1-3, $499,500, Berkshire Hathaway HomeServices California Properties, Stefan Rock Stojanovski / Erin Beck 805-570-0640 / 805-708-0446, DRE#02112629 / #01488548 5510 Armitos Ave #12, 1BD, 1BA, Sat & Sun 1-4, $500,000, Berkshire Hathaway HomeServices California Properties, Bartron Real Estate Group 805-563-4054, DRE#01005021 5730 Encina Road #2, 2BD, 2BA, Sat & Sun 10-4, $679,000, Village Properties, Pranav Shastri / Cimme Eordanidis 805 729-7993 / 805 7228480, DRE#02152010 / #01745878 59 San Dimas Ave, 4BD, 2BA, Sat & Sun 11-3, $1,395,000, Village Properties, Michael Dickman 805689-3355, DRE#02093312 7527 Padova Dr, 5BD, 3BA, Sun 1-4, $1,449,900, Coast and Valley Properties, Monica Lenches 805689-1300, DRE#01081459 1045 Tisha Ct., 5BD, 4BA, Sat & Sun 1-3, $2,300,000, Village Properties, Cara Gamberdella / Erin Timmerman 805-680-3826 / 805-689-9970, DRE#01766267 / #02012810

36 Barranca Ave, Unit 1, 2BD, 2BA, Sun 1-3, $1,549,000, Berkshire Hathaway HomeServices California Properties, Katya Sheets / Sunnie Maxwell 805-708-2323 / 805-2529524, DRE#02061444 / #01463861

Santa Barbara 5062 Birchwood Rd, 2BD, 3BA, Sun 1-3, $784,000, Berkshire Hathaway HomeServices California Properties, Madhu Khemani 805-252-0625, DRE#01387945 331 Por La Mar Circle, 1BD, 1BA, Sat & Sun 1-3, $849,000, Village Properties, Amy Abbott / Kristin J. Hall 805-708-3221, DRE#01735358 / #02020854 405 N. Nopal Street, 4BD, 2BA, Sun 11-1, $900,000, Douglas Elliman of CA, Aaron Schulman 806-637-0100, DRE#01830189 1931 Robbins St, 4BD, 2BA, Sat 1-3 & Sun 1:30-4, $1,260,000, Berkshire Hathaway HomeServices California Properties, Jermaine Brown 805452-6089, DRE#02154911 1324 Anacapa Street, 2BD, 3BA, Sat & Sun 1-4, $1,650,000, Village Properties, Sheela Hunt 805-6983767, DRE#01103376

3728 State St #131, 3BD, 3BA, Sat & Sun 1-3, $1,700,000, Berkshire Hathaway HomeServices California Properties, Carmen Galzerano 805705-3080, DRE #01953155 165 Del Canto Ln, 3BD, 2BA, Sat 12-3, $1,895,000, Berkshire Hathaway HomeServices California Properties, Rachael Douglas, Douglas & Associates 805-318-0900, DRE#02024147 6 Chase Drive, 3BD, 2BA, Sat & Sun 1-4, $2,500,000, Village Properties, Deja Rabb / Madison Roof / Spencer Cole 805-689-3277 / 805-448-3852 / 805-689-6673, DRE#07024885 / #07024888 / #02115510 1144 Portesuello Avenue, 4BD, 2.5BA, Sat & Sun 1-4, $2,795,000, Sotheby’s International Realty, Mia Teetsel / Renee Marvin 805-202-9118 / 805-698-1590, DRE#01256862 / #02056190

Montecito 136 Loureyro Rd, Unit A & B, 4BD, 2BA, Sun 1-3, $2,250,000, Berkshire Hathaway HomeServices California Properties, Barbara Neary 805-6988980, DRE#01491532 320 East Mountain Drive, 4BD, 3.5BA, Sat & Sun 1-4, $4,725,000, Sotheby’s International Realty, Joe McCorkell 805-455-7019, DRE#02051326

500 Meadows Wood Ln, 4BD, 3BA, Sat 1-4, $6,650,000, Berkshire Hathaway HomeServices California Properties, Rick Hannay 805-4516061, DRE#00967355 2285 Bella Vista Dr, 4BD, 6BA, Sun 1-3, $12,950,000, Berkshire Hathaway HomeServices California Properties, Team Scarborough 805331-1465, DRE#01182792

Summerland 2462 Golden Gate Ave., 4BD, 3BA, Sun 1-4, $3,695,000, Village Properties, Tobias Hildebrand 805895-7355, DRE#00973317

Santa Ynez Valley 210 S O St (Lompoc), 3BD, 1BA, Sun 2-4, $399,998, Big Block Realty, Ursula Santana 805-455-9025, DRE#01965452 2555 Park St, 4BD, 2.5BA, Sat & Sun 12-3, $2,195,000, Berkshire Hathaway HomeServices California Properties, Marlene Macbeth / Jamie Sim / Will Samarin 805-689-2738 / 805-689-5799 / 805-717-5130, DRE#00689627 / #01234347 / #02081786

REALTORS:

Submit your open house listings at INDEPENDENT.COM/ OPENHOUSESUBMISSONS

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234 Robles Way | Buellton Come fall in love with this beautiful Vineyard Village 3 bedroom, 3.5 bath Condo. Featuring top of the line appliances, custom builtins, spacious bedrooms and a beautifully designed tri-level floor plan. The downstairs entry level bedroom offers privacy. Second level you will find a large living room, custom built-in entertainment cabinetry, a half bath and a bright white kitchen with abundant cabinet space, a large walk-in pantry and a peninsular with bar setting. Step outside onto your private patio area. Third level is a large master suite with a private bath and a full second bedroom with en-suite bath. Offered at $779,000

MATT RAAB

805.705.5486 mattraab@bhhscal.com www.americanrivieraproperties.com DRE 02063526 © 2022 Berkshire Hathaway HomeServices California Properties (BHHSCP) is a member of the franchise system of BHH Affiliates LLC. BHHS and the BHHS symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. BHH Affiliates LLC and BHHSCP do not guarantee accuracy of all data including measurements, conditions, and features of property. Information is obtained from various sources and will not be verified by broker or MLS. Buyer is advised to independently verify the accuracy of that information.

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1235 Coast Village Road, Montecito

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Ideally situated in the highly desirable neighborhood of Hope Ranch, this ±3.77 acre parcel provides a unique opportunity to build a stunning retreat with ocean and island views. Surrounded by the rolling landscape of Hope Ranch, magnificently perched and facing the Pacific, enjoy this rare opportunity to create your own luxurious oasis with trails that lead directly to the private Hope Ranch Beach.

2942 SAN MARCOS PASS ROAD

1503 Chapala Street, Santa Barbara Roman

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“The difference is in the details.”

Top 1% Keller Williams Agents Nationwide

Jen Stein Realtor | MBA DRE# 01786020

805.319.5866

Jen@JenSteinRealty.com JenSteinRealty.com

dthompsonarch.com

(805) 679-5030

SANTA BARBARA COUNTY SALES AREA

SELLER

BUYER

PRICE

DATE

ADDRESS

BUELLTON/SOLVANG

KIRSCH PAUL EU

VON WINCKELMANN HERBERT EU

$570,000

1/06/22

634 ROSKILDE RD

CARPINTERIA

SMITH MICHAEL EU

CLOTHIER SUSAN

$1,200,000

1/05/22

1260 CRAVENS LN 1

WILLIAMS JASON EU

STEINER LORI

$735,000

1/04/22

4692 CARPINTERIA AVE 14

BARBOSA ENRIQUE EA

PLASCENCIA ARTURO EU

$899,000

1/05/22

138 SAN FEDERICO AVE

SEDGWICK DANIEL EA

DESHPANDE VAISHALI EU

$1,220,000

1/04/22

5168 RHOADS AVE

MONARCA GROUP LLC

RITTER GABRIEL EU

$1,800,000

1/07/22

715 VIA MIGUEL

LARSEN ERIC EA

CONKLIN PETER EA

$1,900,000

1/04/22

5000 OAK RIDGE RD

HILTON HOSEPH EA

BHADARI ABHISHEK EA

$770,500

1/05/22

5624 ARMITOS AVE

6500 HOLLISTER AVENUE PARTNERS

6500 HOLLISTER LLC

$21,075,000

1/04/22

6500 HOLLISTER AVE

LEVEE DOUGLAS EA

DISHION DONALD EA

$1,854,000

1/04/22

1370 HOLIDAY HILL RD

CASWELL SANDRA EA

KNAPP SUSAN EA

$4,500,000

1/06/22

475 GLEN ANNIE RD

BORRAYO ANONIO EU

LOMELI LISA EA

$1,200,000

1/04/22

56 SURREY PL

STAAB DEBRA

SANCHEZ GABRIEL

$621,000

1/06/22

319 NORTHGATE DR B

BEGERT WILLIAM EU

GARRIGAN MICHAEL

$3,000,000

1/05/22

323 ISLAND OAK LN

ARNOLD CHRLES EA

SOUTHSIDE SPARKS

$115,000

1/04/22

105 S H ST

ROBERTSON BILL EU

MCREDMOND KAREN EA

$425,000

1/07/22

1109 E PEACH AVE

PLOOUTZ JEFFREY EA

EMPIRE REAL ESTATE GROUP

$340,000

1/06/22

1612 SHEFFIELD DR

ORTEGA ABEL EU

MEZZACAPPA RYAN

$499,000

1/05/22

920 SAGE CT

CROMPTON DAVID

CARRASCO RICHARD EA

$499,000

1/04/22

1316 PLUM AVE

DENNER G RONALD EA

2929 E VALLEY RD LLC

$17,500,000

1/07/22

2929 EAST VALLEY RD

JORDAN GLENN EA

CALIFORNIA PROPERTY ACQUSITION

$4,500,000

1/04/22

279 SANTA ROSA LN

SIMON CHRISTOPHER EA

YOUNG NEIL EA

$8,650,000

1/07/22

252 SANTA ROSA LN

HURST HARRISON EA

WOOD GEORGE EU

$7,250,000

1/05/22

2049 BOUNDARY DR

HANCZOR ROSEMARY EA

WALSH PATRICK EU

$12,000,000

1/04/22

1066 TORO CANYON RD

LOS OLIVOS

SELBERT JAMES EA

LI DANIEL EU

$1,795,000

1/07/22

2354 OLIVET AVE

SANTA BARBARA

BLOCK CYRUS

ORMAN MISTY EU

$1,646,000

1/05/22

1839 LOMA ST

SCHAFF HAROLD EA

MORRIS CONSTANCE EA

$762,000

1/06/22

1701 ANACAPA ST 13

DAVID THOMAS & ASSOCIATES

EDMAN JEFFREY EA

$1,775,000

1/04/22

909 CARRILLO RD

CROSBY CLINT EA

OROZCO DAVID EU

$1,270,000

1/05/22

434 N QUARANTINA ST

OLIPHANT JOHN EA

HOOK CHRISTOPHER EU

$4,050,000

1/07/22

1155 HARBOR HILLS DR

GILSDORF JANET EA

HLS TRAINING CORPORATION

$2,320,000

1/04/22

528 BRINKERHOFF AVE

SIX STAR ASSOCIATES LLC

SAYED DAVID EA

$2,775,000

1/05/22

520 W GUTIERREZ ST

BELLOMY WILLIAMS

MIRONOV MAKSIM

$1,040,000

1/06/22

1541 MARQUARD TER

KENDRICK KEITH

RADO KRISTINA

$1,587,000

1/06/22

2227 CLIFF DR

SKENDERIAN JOSEPH EA

KIM SEON EU

$1,101,000

1/04/22

202 REEF CT

LOMPOC

MONTECITO

18

INDEPENDENT REAL ESTATE

JANUARY 27, 2022

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GOLETA

This data is provided to The Santa Barbara Independent by an outside third-party source and represents a partial list of recorded residential sales in Santa Barbara County on the dates listed.

While this information is public record The Santa Barbara Independent cannot guarantee the accuracy nor the completeness of this list.

THANK YOU FOR A GREAT 2021

Let’s Start 2022 Off Right!

$76,295,546 2021 INDIVIDUAL LOAN VOLUME

MORTGAGE LOAN ORIGINATOR, NMLS#1061307

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Sarah Sinclair gives you the inside scoop on real estate in The Home Page, going behind the scenes each Sunday to visit our region’s casitas, cottages, and castles.

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MADHU KHEMANI Presidents Circle 2020

Top 4% of all Berkshire Hathaway HomeServices Agents Nationwide Professionally Representing Sellers and Buyers in Santa Barbara, Montecito, Ventura, and Santa Ynez Valley for over 15 years.

805-252-0625 MadhuRealty.com MadhuK49@gmail.com Cal BRE# 01387945 © 2021 Berkshire Hathaway HomeServices California Properties is a member of the franchise system of BHH Affiliates LLC. BHHS and the BHHS symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate.

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CALRE #02062827

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JOHN GILLES

SANTA BARBARA COUNTY SALES AREA

SELLER

BUYER

PRICE

DATE

ADDRESS

SANTA BARBARA

COFFEE CHARLES EA

LUCQ SEAN EU

$2,187,000

1/04/22

161 VISTA DEL MAR DR

WILLIS ROBERT EA

MCALISTER LAUREN

$2,200,000

1/04/22

1526 LIVE OAK LN

VASANT NEIL EA

FARGAS JOAN EU

$2,280,000

1/07/22

32 ST FRANCIS WAY

ARROYO BURRO LLC

BIRKLEY DAYNA

$1,600,000

1/05/22

3737 CALLE CITA

MINTURN SCOTT EA

MONCADA EDWARD EU

$1,125,000

1/06/22

545 LOS FELIZ DR

STRATEGIC EMERGING ECONOMICS

LUKASZEWICZ GREGORY EA

$5,850,000

1/04/22

4630 VIA VISTOSA

SAID INVESTMENTS

153 CLARK AVENUE LLC

$1,150,000

1/07/22

153 E CLARK AVE

BROOK EDWARD EA

MAY CAMERON EU

$1,060,000

1/06/22

4679 KENNINGTON DR

EDIE LYNN EA

HARO LANCE EU

$525,000

1/07/22

4034 HILLVIEW RD

ROJAS CHRIS

CONWAY SHANE EA

$480,000

1/04/22

4068 BERRYWOOD DR

RUBEN JEFFREY

HODEAUX KENNA

$632,500

1/07/22

4232 HIBISCUS CT

CODAZZI ERIC EA

GEORGE ALEXANDR EU

$360,000

1/07/22

1173 SUMNER PL D

ISLE CHARLES

VAZQUEZ ALBERTO

$790,000

1/04/22

1448 IVORY DR

ROGERS JANET

PENNY LANE EQUITY INC

$200,000

1/04/22

2421 COUNTRY LN

BREAUD BETTY ANN EA

OAKBROOK GROUP LLC

$900,000

1/05/22

1535 S BROADWAY

RHODES RICHARD EA

MORALES EMIJAEL

$567,000

1/05/22

2463 N TEELYNN AVE

PALLAN DELIA

ROJAS CHRISTOPHER

$490,000

1/05/22

814 E HARPER CT

SANGUINO JOSE EU

LEBLANC TNI EU

$54,010

1/07/22

152 PALM COURT DR

SANTA YNEZ

KRUISSINK ROSALIE EA

CICILEO DOUGLAS

$635,000

1/04/22

850 N REFUGIO RD

UNINCORPORATED

BILARDO VINCENT EU

GOLDEN EAN

$510,000

1/05/22

593 VENUS AVE

OCHOA KYLE EU

TERRY LISA

$516,000

1/07/22

175 MIZAR PL

BAIN MARK EA

MOORE MATTHEW EA

$101,000

1/07/22

1251 MESA OAKS LN

NICASTRO BRANDON EU

OLSHOVE RIGHARD EA

$827,000

1/04/22

280 RINCONCITO

RALPH JUDITH EA

BERG MICHAEL EU

$890,000

1/04/22

207 MENLO DR

LINTON SETH EU

MONOZ-GONZALEZ LUIS EA

$620,000

1/06/22

1051 COLUMBUS DR

CHASE AMOS

GONZALEZ FELIX

$320,000

1/07/22

220 E GRANT ST 66

ZAPPAS MICHAEL EA

PEREZ SALVADOR

$325,500

1/06/22

220 E GRANT ST 48

BARKSDALE BOBBY

FARGO FRANCIS EU

$595,000

1/06/22

310 E MCCOY LN 3G

DRIGGS DEBRA EA

WILSON ALMA

$335,000

1/04/22

310 E MCCOY LN 3J

VAN PELT BRYAN EA

KIM KEVIN EA

$620,000

1/07/22

821 E SLOAN TERR

WEBSTER GREGORY G

PAINTER KELLY EU

$750,000

1/05/22

620 E MONTEREY RD

CORONADO EDGARDO EU

SERRANO SESAR EU

$899,000

1/05/22

2125 ARROWHEAD DR

LAURELS UNIQUE IMPORTS INC

EMC RENTAL MANAGEMENT

$450,000

1/05/22

5826 TELEPHONE RD

RIOS ARMAND

SATTERLEE ARLENE EA

$265,000

1/04/22

6598 SAN MARCOS PASS RD

20

INDEPENDENT REAL ESTATE

JANUARY 27, 2022

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SANTA MARIA

This data is provided to The Santa Barbara Independent by an outside third-party source and represents a partial list of recorded residential sales in Santa Barbara County on the dates listed.

While this information is public record The Santa Barbara Independent cannot guarantee the accuracy nor the completeness of this list.

Message From the President

BY BOB WALSMITH JR. - 2022 PRESIDENT - SANTA BARBARA ASSOCIATION OF REALTORS®

FIRST TIME HOME BUYING 101

S

Bob Walsmith Jr.

21

Bob Walsmith Jr. is a native to Southern California and a Realtor® with Berkshire Hathaway HomeServices California Properties. During his work with the Santa Barbara Association of Realtors, Bob has served on the CORE Committee, Education Committee, been Chair of the Budget & Finance Committee, and the Multiple Listing Service Committee. He also is on the Board of Directors of the Alpha Resource Center of Santa Barbara. Bob lives in Goleta with his beautiful wife Julie. When not working, Bob enjoys playing golf, fine wine, fine dining, and walking our beautiful coastline. Bob can be reached at 805.720.5362 and/or bob@bobwalsmithjr.com

realestate.independent.com

work with your agent to craft an offer that not only specifies the price you’re willing to pay but also the proposed closing date and other important items.

Negotiate, Negotiate, Negotiate Making an offer can feel like an emotional precipice, almost like asking someone out on a date. It can be very stressful! Some home sellers simply accept the best offer they receive, but many sellers make a counteroffer. If that happens, it’s up to you to decide whether you want your agent to negotiate with the seller or walk away. This is an area where your agent can provide real value by using their expert negotiating skills to haggle on your behalf.

Inspections If your offer is accepted, then you’ll sign a contract. Most sales contracts include a home inspection contingency, which means you’ll hire a licensed or certified home inspector to inspect the home for needed repairs, and then ask the seller to have those repairs made. This mitigates your risk of buying a house that has major issues lurking beneath the surface, like mold or cracks in the foundation.

The Appraisal When you offer to buy a home, your lender will need to have the home appraised to make sure the property value is enough to cover the mortgage.

If the home appraises close to the agreed-upon purchase price, you’re one step closer to settlement — but a low appraisal can add a wrinkle.

Closing Day The last stage of the home-buying process is the closing. This is when you sign the final ownership and insurance paperwork and make it official.

Now that all of this is done, you’ll have the keys to your new home. Congratulations!

JANUARY 27, 2022

best friend), ask him or her to recommend two to three mortgage lenders that meet your financial needs. This is another big step, as you’ll be working with your lender closely throughout the homebuying process.

The Loan Process Once you’ve decided on a lender (or mortgage broker), you’ll work with your loan agent to determine which mortgage is right for you. You’ll consider the percentage of your income you want to spend on your new house, and you’ll provide the lender with paperwork showing proof of income, employment status, and other important financials. This step is crucial, especially in today’s market. The quicker you can get your lender everything they need, the faster you can get to the next step in the process. If all goes well (fingers crossed) you’ll be preapproved for a loan at a certain amount.

Open Houses, Showings and Looking Around Now that you have both an agent who knows your housing preferences and a budget — and a lender to finance a house within that budget — it’s time to get serious about viewing homes. Your agent will provide listings you may like based on your parameters (price range, ZIP codes, features), and will also help you determine the quality of listings you find online. Then comes the fun part: showings, which give you the unique opportunity to evaluate properties. Your agent will help you navigate showings, whether virtual or in-person.

Quite often, first time home buyers will put this step ahead of all others. This can be very deflating.

If you don’t know what you can qualify for, you will often misjudge what your buying power is and look at homes far above your actual budget. Resist the temptation and follow this blueprint.

Make an Offer Once you find the home you want to buy, you’ll

INDEPENDENT REAL ESTATE

o you’re thinking about buying your first home. A place to call — and make — your own.

The meetings that I will attend next week focus on serious subjects such as affordable housing, housing supply, fair housing, tenants’ rights, taxes, climate change, and more. Here are some of the vitally important topics that I will be keeping my eye on next week: It’s a big move, literally and figuratively. Buying a house requires a serious amount of money and time. The journey isn’t always easy. It isn’t always intuitive. But when you get the keys to your new home — that can be one of the most rewarding feelings ever.

The key to getting there? Knowing the homebuying journey. Knowing what tools are at your disposal. And most importantly? Creating relationships with experts who can help you get the job done.

That’s where this guide comes in. I will point out not only the major steps (and the recommended order) you’ll take during the home-buying process, but also explain the relationships and experts you’ll need along the way.

Do Your Homework Oh sure, everybody wants to jump right into open houses. But before you even set foot in a home, you should identify your list of “musts” and “wants.” There’s so much to decide: Housing type, neighborhood, school district, just to name a few. I recommend writing down the ten most important items you want in your new home in order of preference.

If you’re planning to buy a home with a partner, make sure that you sit down with them and write down your top ten together. You want to be on the same page while buying a house. If you’re not, you’ll be less able to give agents or lenders the information they need to help you.

Find a Great Realtor® Your relationship with your real estate agent is the foundation of the home-buying process. He or she is the first expert you’ll meet on your journey, and the one you’ll rely on most. That’s why it’s important to interview agents and find the agent who’s right for your specific needs.

Choose a Lender Once you’ve found your agent (AKA, your new