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Solvang Real Estate Updates

Read the latest news, tips, and insights for the Solvang real estate market.

Mortgage Information

The No-Cost Thirty Year Fixed Rate Mortgage

Candice Signa  |  May 20, 2020

The term “no-cost” actually means that your lender is paying the costs of the loan.

Title and Escrow

Title Insurance Requirements for Insuring Trusts

Candice Signa  |  June 17, 2020

The living trust has become a common manner of holding title to real property.

Title and Escrow

Title Insurance - Where Does Your Dollar Go?

Candice Signa  |  May 13, 2020

As a homebuyer, the term is probably familiar - but is it understood?

Tips for Buyers

Use a Buyer's Agent

Candice Signa  |  May 19, 2020

It’s important that you choose an experienced agent who is there for you.

Mortgage Information

What’s a FICO®?

Candice Signa  |  February 6, 2020

FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system.

Mortgage Information

Where Does the Money Come From for Mortgage Loans?

Candice Signa  |  August 27, 2020

Most of the money for home loans comes from three major institutions.

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Mortgage Information

Which ARM is the Best Alternative?

Candice Signa  |  April 16, 2020

When rates start going up this is an attractive alternative to a fixed rate mortgage.

Tips for Buyers

Why You Should Not Make Any Major Credit Purchases

Candice Signa  |  February 13, 2020

Don’t go on a spending spree using credit if you are thinking about buying a home.

Homes for Sale in Kahului, HI

Mortgage Information

Your Savings and Down Payment

Candice Signa  |  December 5, 2019

The down payment affects every choice you make when you buy a home.

Title and Escrow

Statements of Information

Candice Signa  |  January 29, 2020

CLTA has answered some of the questions most commonly asked about Statements of Information.

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Homeowner Information

Common Ways of Holding Title

Candice Signa  |  December 4, 2019

The LTA has provided the following definitions of common vesting as an informational overview.

Mortgage Information

The Advantages of Different Types of Mortgage Lenders

Candice Signa  |  March 11, 2020

The truth of the matter is that each type of lender has strengths and weaknesses.

Welcome to My New Website

Candice Signa  |  December 5, 2019

If you would like any assistance, please do not hesitate to contact me or call me directly.

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Tips for Buyers

Avoiding Financial Stress

Candice Signa  |  May 28, 2022

By asking the right questions, and knowing what your needs are, you can find the right loan for you.

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Tips for Buyers

Is Buying a Home Still a Smart Plan

Candice Signa  |  August 5, 2020

The housing market, like every type of market, unavoidably has its ups and downs.

Tips for Sellers

Plan of Action

Candice Signa  |  August 12, 2020

Maximize the strengths of your property and fix its weaknesses.

Homeowner Information

Lead Poisoning

Candice Signa  |  August 19, 2020

Lead poisoning is especially a problem in cities with older buildings.

Homeowner Information

Condominium and PUD Ownership

Candice Signa  |  April 2, 2020

It may be helpful to clarify a common misconception about Condominiums and PUDs.

Tips for Sellers

Considering Offers

Candice Signa  |  January 23, 2020

When reading an offer, keep in mind that you are out to get the best price and terms for you.

Title and Escrow

Creative Financing

Candice Signa  |  March 5, 2020

You’ve heard of it, and, as a seller, the idea sounds pretty attractive.

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Homeowner Information

Environmental Issues

Candice Signa  |  May 7, 2020

When purchasing a property, it is important to be aware of any environmental liabilities with it.

Tips for Sellers

Finding the Right Agent

Candice Signa  |  April 30, 2020

Not all agents work the same way. Try to go with a local agent.

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Tips for Buyers

Finding the Right Seller

Candice Signa  |  April 23, 2020

It is impossible to find the perfect seller. But it's possible to find out which sellers are legit or not.

Tips for Buyers

Getting a Legitimate Lender and Getting Pre-Approved

Candice Signa  |  December 5, 2019

In addition to being pre-approved, it’s important to be pre-approved with a legitimate lender.

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Tips for Sellers

Getting the Highest Price in the Shortest Time

Candice Signa  |  December 5, 2019

The better you market your home, the more offers you will get.

Tips for Buyers

Importance of Inspection

Candice Signa  |  December 12, 2019

If you do not approve the inspection report, then do not buy the home.

Tips for Sellers

Insist on a Home Inspection

Candice Signa  |  June 4, 2020

A professional home inspection protects both you and the buyer.

Tips for Sellers

Know Why You are Selling

Candice Signa  |  February 20, 2020

Know exactly why you are selling then it is easier to follow the right action to get what you want.

Homeowner Information

Living Trusts

Candice Signa  |  June 10, 2020

Living Trusts as a viable option when contemplating the manner in which to hold title to real property.

Mortgage Information

Items You Need When Applying For a Loan

Candice Signa  |  December 4, 2019

These are the things you need to supply to your lender to get quick approval using alternate documentation.

Tips for Sellers

Making a Good First Impression

Candice Signa  |  March 25, 2020

If you want buyers to be interested in your home, you need to show it in its best light.

Homeowner Information

Mechanic's Liens

Candice Signa  |  February 26, 2020

Mechanics’ Lien law provides special protection to contractors, subcontractors, laborers and suppliers.

Mortgage Information

Land Contract

Candice Signa  |  June 25, 2020

An alternative to a non-conforming loan is a land contract, which is allowed in some states.

Title and Escrow

Required Reporting to the I.R.S.

Candice Signa  |  December 4, 2019

This required reporting is a consequence of the Tax Reform Act of 1986.

Tips for Sellers

Setting the Price

Candice Signa  |  December 18, 2019

The price is the first thing buyers notice about your property.

Mortgage Information

The Biweekly Mortgage - Who Needs It?

Candice Signa  |  July 29, 2020

If your goal is principal reduction and saving money, then it is a good plan.

Title and Escrow

The Functions of an Escrow

Candice Signa  |  December 4, 2019

The escrow must be provided with the necessary information to close the transaction.

Tips for Buyers

Thinking About Buying a Foreclosure?

Candice Signa  |  December 4, 2019

It is also important to consider that there are different types of foreclosure properties.

Mortgage Information

Types of Mortgage Lenders

Candice Signa  |  January 1, 2020

Most also act as wholesale lenders, catering to mortgage brokers for loan origination.

Homeowner Information

Understanding Foreclosures

Candice Signa  |  December 4, 2019

Your local title company will be happy to provide additional information.

Title and Escrow

Understanding Preliminary Reports

Candice Signa  |  December 25, 2020

The Land Title Association has answered some questions commonly asked about preliminary reports.

Title and Escrow

Understanding Title Insurance

Candice Signa  |  April 8, 2020

The Land Title Association answers questions frequently asked about an misunderstood insurance.

Tips for Sellers

What is a Short Sale Anyway?

Candice Signa  |  December 5, 2019

If you’re on the selling side of a short sale, consider having your agent.

Title and Escrow

Why Do You Need Title Insurance?

Candice Signa  |  December 5, 2019

Title insurance companies are in business to make sure your rights & interests to the property are clear.

Tips for Sellers

For Sale By Owner - A Good Idea?

Candice Signa  |  July 8, 2020

Only about 10% of sellers who decide to do FSBO are successful at it.

Tips for Buyers

Hot, Normal, and Cold Markets

Candice Signa  |  July 1, 2020

This is an extremely competitive market and is advantageous to the seller.

Title and Escrow

Title Insurance When Refinancing Your Loan

Candice Signa  |  July 22, 2020

Lower interest rates have motivated you to refinance your home loan.

Tips for Buyers

Build a Plan of Action and Get Ready

Candice Signa  |  January 16, 2020

Before you build a plan of action, take time to lay the groundwork for your decision-making process.

Found Your Dream Solvang Home?

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Work With Candice

My service areas include Santa Ynez Valley and Santa Barbara County Central Coast region of California including Santa Barbara, Solvang, Buellton, Santa Ynez, Goleta, Los Olivos, Lompoc and Santa Maria. My areas of specialty are newcomers to Santa Barbara County, Trust and Trustee sales, first-time home buyers, those who are looking to sell and buy simultaneously. I aim to take the stress out of all of those situations! I am also an area specialist in the town of Buellton, where I have resided for over 20 years.