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About Me
Hi my name is Filly and I want to thank you for checking out my profile. I have been in real estate since I graduated from San Diego State University in 2004. I am originally from the Seattle area, but moved to San Diego 8 years ago and never left :) When I am not helping clients buy and sell real estate I am out enjoying everything beautiful San Diego has to offer including: running, biking, hiking and of course I love all beach activities. I am a life long equestrian and enjoy skiing in the winter.
If you are a current San Diego resident looking for a change or a new comer, put the years I have spent exploring San Diego to work for you. I am happy to help you discover all of San Diego's unique areas.
Why Me? (Part 1)
I am a full time real estate agent, who comes to Coldwell Banker with a B.A. in Media Management and Marketing from San Diego State University. Given my background I understand the importance of using the appropriate Medias to properly market your home in order to sell your home for the best price in the least amount of time. Buying? I am committed to finding you your dream home, negotiating the best price and managing all the crucial details of your transaction. In addition, I have undergone some of the best and most extensive real estate training, and I am committed to attending continuous education courses to better serve and protect you, my client.
Why Me? (Part 2)
I pride myself on offering the best service, which means being available to each and every one of my clients 24/7.
I will truly listen to your needs, wants and desires.
I will use patience and diligence combined with my real estate knowledge and Coldwell Bankers’ resources to assist you in buying or selling your home.
Most of all I strive to make your experience as Fun and Easy as possible.
Thanks and I look forward to hearing from you, Filly
If you are a current San Diego resident looking for a change or a new comer, put the years I have spent exploring San Diego to work for you. I am happy to help you discover all of San Diego's unique areas.
Why Me? (Part 1)
I am a full time real estate agent, who comes to Coldwell Banker with a B.A. in Media Management and Marketing from San Diego State University. Given my background I understand the importance of using the appropriate Medias to properly market your home in order to sell your home for the best price in the least amount of time. Buying? I am committed to finding you your dream home, negotiating the best price and managing all the crucial details of your transaction. In addition, I have undergone some of the best and most extensive real estate training, and I am committed to attending continuous education courses to better serve and protect you, my client.
Why Me? (Part 2)
I pride myself on offering the best service, which means being available to each and every one of my clients 24/7.
I will truly listen to your needs, wants and desires.
I will use patience and diligence combined with my real estate knowledge and Coldwell Bankers’ resources to assist you in buying or selling your home.
Most of all I strive to make your experience as Fun and Easy as possible.
Thanks and I look forward to hearing from you, Filly
My Q&A
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Filly Gaines's Questions (0)
Filly Gaines's Answers (5)
Filly Gaines answered:
Hi Frank,
In S. California the seller typically pays both the listing agent and buyer agent fee. The % is negotiated between the seller and the listing agent and is determined at the time the listing is taken.
Hope this helps,Filly
In S. California the seller typically pays both the listing agent and buyer agent fee. The % is negotiated between the seller and the listing agent and is determined at the time the listing is taken.
Hope this helps,Filly
Filly Gaines answered:
Hi Mark,
If you can come up with 3% of the purchase price you may want to look at an FHA loan. FHA also allows the 3% to come as a gift from family etc. You may want to contact a lender you trust familiar with FHA loans. In the meantime I would concentrate on imporving your credit score and saving a little cash for a downpayment.
Good luck, Filly
If you can come up with 3% of the purchase price you may want to look at an FHA loan. FHA also allows the 3% to come as a gift from family etc. You may want to contact a lender you trust familiar with FHA loans. In the meantime I would concentrate on imporving your credit score and saving a little cash for a downpayment.
Good luck, Filly
Filly Gaines answered:
Hi Taylor,
Lofts downtown start around $250K (some come with parking some do not). If 250K is more than you want to spend you may want to consider a one bedroom. There are several one bed condos starting around 190K (most of these are either bank owned or short sales). The bank owned homes can be really good deals. Hope this helps, Filly
Lofts downtown start around $250K (some come with parking some do not). If 250K is more than you want to spend you may want to consider a one bedroom. There are several one bed condos starting around 190K (most of these are either bank owned or short sales). The bank owned homes can be really good deals. Hope this helps, Filly
Filly Gaines answered:
Hi,
The San Diego market is doing ok, some areas are doing much better than others, but in general sales are up and we have seen investors coming back into the market. The areas’ struggling the most are mainly due to the increased number of foreclosures and to some extent short sales. Buying a short sale can be an extremely long and frustrating process while purchasing a bank owned home tends to be a much easier process and many bank owned props are extremely good deals!!!!! There are many newer bank owned homes in the Chula Vista area, many of which are awesome deals. Chula Vista is just an example of an area with many bank owned homes. There are bank owned homes scattered across the County, you might also want to look at Central/Metro San Diego because homes in these areas are close to most everything and therefore attractive to a greater number of buyers and tenants. It seems to me that you may want to focus your attention on bank owned homes, because they tend to be a good value and when buying investment properties you want to put down enough money so that you are not caring a monthly payment. Because prices have come down across the County, in some areas, if you are able to put 20% you can get certain properties to pencil, which we have not seen in recent years. Good luck with your search. If you have further questions please feel free to contact me. San Diego is an amazing place to live and I think if you decide to invest in SD you will be happy you did so.
Filly Gaines
filly.gaines@camoves.com http://www.fillygaines.com
The San Diego market is doing ok, some areas are doing much better than others, but in general sales are up and we have seen investors coming back into the market. The areas’ struggling the most are mainly due to the increased number of foreclosures and to some extent short sales. Buying a short sale can be an extremely long and frustrating process while purchasing a bank owned home tends to be a much easier process and many bank owned props are extremely good deals!!!!! There are many newer bank owned homes in the Chula Vista area, many of which are awesome deals. Chula Vista is just an example of an area with many bank owned homes. There are bank owned homes scattered across the County, you might also want to look at Central/Metro San Diego because homes in these areas are close to most everything and therefore attractive to a greater number of buyers and tenants. It seems to me that you may want to focus your attention on bank owned homes, because they tend to be a good value and when buying investment properties you want to put down enough money so that you are not caring a monthly payment. Because prices have come down across the County, in some areas, if you are able to put 20% you can get certain properties to pencil, which we have not seen in recent years. Good luck with your search. If you have further questions please feel free to contact me. San Diego is an amazing place to live and I think if you decide to invest in SD you will be happy you did so.
Filly Gaines
filly.gaines@camoves.com http://www.fillygaines.com
Filly Gaines answered:
Hi Christelle,
My first suggestion would be to contact a realtor who is familiar with the area/neighborhood the property is located in. Your realtor should be familiar with pricing and provide you with a CMA (comparative market analysis) this should be your fist step and will give you an idea of value. Then I would look at how long the property has been on the market and the condition the property is in. If the property has been on the market over 120 days with no offers it would be a good bet that the bank is going to be more willing to negotiate on price and similarly I would look at the condition of the property and factor in the costs of bringing the property up to your "standards." This should give you a good starting point and again your realtor will be able to assist you in all this. I would not pay as much attention to what the bank paid for the prop but more to what the comps are, what it can or will appraise at and the overall condition. If you need the extra cash it is always fine to ask for closing costs but just remember it basically comes down to the final number, so factor that into the offer!
If you dont have a realtor and have further questions please feel free to contact me!
My first suggestion would be to contact a realtor who is familiar with the area/neighborhood the property is located in. Your realtor should be familiar with pricing and provide you with a CMA (comparative market analysis) this should be your fist step and will give you an idea of value. Then I would look at how long the property has been on the market and the condition the property is in. If the property has been on the market over 120 days with no offers it would be a good bet that the bank is going to be more willing to negotiate on price and similarly I would look at the condition of the property and factor in the costs of bringing the property up to your "standards." This should give you a good starting point and again your realtor will be able to assist you in all this. I would not pay as much attention to what the bank paid for the prop but more to what the comps are, what it can or will appraise at and the overall condition. If you need the extra cash it is always fine to ask for closing costs but just remember it basically comes down to the final number, so factor that into the offer!
If you dont have a realtor and have further questions please feel free to contact me!
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