Encinitas, Carlsbad and Cardiff By The Sea real estate and homes for sale in California, beachfront properties, homes with ocean views, luxury coastal properties, ocean view homes - Christie Kramer & Associates, REALTORS® Christie Kramer & Associates REALTORS(r) for Encinitas, Carlsbad and Cardiff By The Sea, California real estate, beachfront properties, homes with ocean views - NUMBER1EXPERTS™ Christie Kramer & Associates NUMBER1EXPERTS(tm) for Encinitas, Carlsbad and Cardiff By The Sea, California real estate, beachfront properties, homes with ocean views
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Christie Kramer & Associates, REALTOR®, real estate agents and broker for Encinitas, Carlsbad and Cardiff By The Sea California home listings, property and land for sale - NUMBER1EXPERT(tm)


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If you're making a move into our market area, we can help you find the right community, a knowledgeable agent and the perfect home. We'll arrange for a comprehensive tour of the properties you are interested in and identify the region's highlights. 

We can help you find the right agent:  We are well networked with top agents throughout the San Diego area. We know thebest professionals in the area, to assist you with your home search. We'll work with you to understand your move and help you choose someone who meets your needs. When you're ready to visit, they also can arrange for you to see specific neighborhoods and properties.  We can help you with your transition   We can connect you with affordable and reliable moving companies.

If you are making a Move out of the Area:   Moving out of our region? We can help you locate a Professional Realtor in the new area, to finding a moving company, we'll provide you with the resources and services to make your transition easier.

Corporate Relocation Services:    Our goal is to serve as an extension of your human resources department. Whether you're transferring one or one hundred employees, we have the capabilities to provide comprehensive assistance. You'll be served by relocation experts with real-world business experience and corporate knowledge.

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Real Estate Tips
Tax Considerations >Taxpayer Relief

Legislation included in the 1997 federal budget made significant changes that improve a homeowner's ability to profit from the sale of real estate. The capital gains tax exclusions on the sale of a principal residence is just one of several benefits for homeowners. When you sell a home you have owned and use for two of the five years prior to the sale, married couples are allowed to keep up to $500,000 in tax-free profits and taxpayers filing as singles can keep up to $250,000 before paying capital gains tax.

Long-term capital gain is also taxed at lower rates as a result of the Jobs and Growth Tax Relief Reconciliation Act passed in 2003. The maximum capital gains tax rates dropped from 20% to 15% and from 10% to 5%, effective for sales and exchanges taking place on or after May 6, 2003 and through December 31, 2007. In 2008 the 15% rate continues for higher income taxpayers, while the 5% rate for lower income taxpayers drops to 0%, but only for the 2008 tax year. On January 1, 2009, the 10% and 20% rates will be reinstated.

Consult your tax advisor for advice regarding your particular circumstance.

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Real Estate Trivia
Q 
What is a Balloon Mortgage?

A 
A balloon is a short-term mortgage which requires the entire balance of the loan to be re-paid at the end of the loan term.
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Christie Kramer & Associates, REALTOR®, real estate agents and broker for Encinitas, Carlsbad and Cardiff By The Sea California home listings, property and land for sale - NUMBER1EXPERT(tm)

Christie Kramer-LeVander & Ric LeVander
Century 21 Seacoast

900 South Hwy 101
Encinitas, CA. 92024-2933
Phone (Ric): 760-632-9390
Phone (Christie): 760-632-9302
Email (Ric): RicLeVander@adelphia.net

We have been recognized for our outstanding client care, listening and service to our clients. Marketing a home is our passion! Our company, Century 21 Sea Coast, is the industry's leading real estate company. Christie has been recognized by Century 21 for sales achievement with the coveted Centurion Award for the last four years, putting her in the top 3% nationally! We will treat your home like it is our own, with love and care. You will be happy with your total experience!

Equal HousingGRIMLSREALTOR


Century 21 Seacoast real estate and homes for sale in Encinitas, Carlsbad and Cardiff By The Sea California

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