4690 Rancho Del Mar Trl, Carmel Valley
NEVER BEFORE ON THE MARKET! This exclusive Greg Agee custom built estate captures architectural style and craftsmanship on a grand scale, yet it is a … [Continue Reading]
North County Exclusive Homes For Sale
We specialize in lifestyle real estate for high profile and high net worth clients in Carlsbad, Encinitas, Cardiff, Solana Beach, Del Mar, La Jolla, Rancho Santa Fe, Carmel Valley, Del Sur, Santaluz, San Diego, and Poway. We recognize discretion and confidentiality is of utmost importance. My team has helped over 1,000 clients in the past 12 years with their real estate needs. With comprehensive market knowledge, exceptional personal service, and superior negotiation skills I am the best choice for your real estate needs.
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Recent Testimonial
“It was an absolute pleasure working with Joy. She exuded true professionalism while handling the sale of our house and quickly responded to our inquiries during the process. Unfortunately our home situation was a shortsale which required several negotiations with the bank. Joy was able to get the loan closed quickly and with no costs to us. We moved across the country during the process and she kept us well informed of every step along the way. I would HIGHLY recommend Joy to anyone selling their home – especially in a short sale scenario!” Angela and Brian Hill San Elijo Hills CA
Featured Posts
Distressed Housing Supply 2012 Shadow Inventory
Based on 2012 first quarter data Standard and Poor’s rating services estimates it will take 46 months to clear the shadow inventory. The data includes homes 90 days or more delinquent on mortgage payments, properties with Trustee sale dates, and foreclosed properties. 70% of all loans that have cured in the past 12 months are… Read More
Fannie Mae And Freddie Mac Fees Increase
•The guarantee fee has been charged by government sponsored entities like Fannie Mae and Freddie Mac for more than three decades. The fee does not show up in borrowers’ mortgage documents or good-faith estimates, and it is little known outside the industry. According to a Fannie Mae spokesman, the fee “gets incorporated into the underlying… Read More
Short Sale, Foreclosure, & Loan Modification Tax Consequences
Joy Bender, a San Diego short sale realtor and a Certified Distressed Property Expert, educates homeowners on loan modification, short sale, or foreclosure tax ramifications. Indicating most homeowners awaiting loan modification approval and contemplating short sale or foreclosure are not aware of all consequences within regards to their decision, Encinitas and Carlsbad short sale realtor… Read More













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