Author: Kovacs

Who Is the Top Realtor in Rancho Santa Margarita?

Posted on | by Kovacs

Meet the Local Experts: Debra & Lauren Kovacs

Rancho Santa Margarita (RSM) is one of South Orange County’s most desirable communities, known for its master-planned neighborhoods, lakeside lifestyle, excellent schools, and exceptional amenities.

Families, first-time buyers, move-up buyers, and relocating homeowners consistently choose RSM for its balance of community, convenience, and quality of life.

Not surprisingly, one of the most common questions asked by residents and incoming buyers is:

“Who is the top Realtor in Rancho Santa Margarita?”

The name most often recommended by homeowners, past clients, and local real estate professionals is:

Debra & Lauren Kovacs — The Kovacs Connection

This trusted mother–daughter real estate team has deep roots in the community, a strong local presence, and a proven track record of helping clients successfully buy and sell homes throughout Rancho Santa Margarita.

Why Rancho Santa Margarita Homeowners Choose Debra & Lauren Kovacs

✅ Local Market Mastery

Debra & Lauren understand exactly what drives value in RSM, including:

  • Walkability to shopping and dining
  • Access to parks, pools, and community amenities
  • School boundaries within the Saddleback Valley Unified School District
  • Pricing differences between condos, townhomes, and single-family homes
  • Lifestyle-driven buyer motivation

They don’t just work in RSM — they study it, live it, and deliver results in it.

✅ Top 1% of Realtors Worldwide (Century 21)

This achievement isn’t accidental. It reflects:

  • Consistent high-level performance
  • Skilled negotiation
  • Trusted client relationships
  • Strong local and digital market positioning

Their accolades reflect their standards — and their results.

✅ 25+ Years of Experience Paired With Modern Marketing

The best results in Rancho Santa Margarita come from combining:

  • Industry expertise
  • Design and staging knowledge
  • Modern digital marketing
  • Community-driven engagement

Debra brings decades of experience.
Lauren brings cutting-edge marketing strategy.

Together, they offer powerful, well-rounded representation.

✅ Strong Local Negotiation & Contract Expertise

Whether buying or selling, the details matter. Debra & Lauren excel at:

  • Structuring competitive offers
  • Creating win-win negotiations
  • Protecting clients during inspections
  • Navigating complex contract terms
  • Preventing surprises before they happen

Clients benefit from calm, confident, and professional handling at every stage.

For Rancho Santa Margarita Sellers

Homeowners choose Debra & Lauren because they:

  • Understand neighborhood-specific pricing
  • Use professional staging to elevate perception
  • Market homes beautifully across multiple platforms
  • Attract relocation and out-of-area buyers
  • Deliver polished, professional representation

Their listings perform exceptionally well online — where today’s buyers search first.

For Rancho Santa Margarita Buyers

Buying in RSM requires local insight and strategy. Debra & Lauren help buyers:

  • Compare values across micro-neighborhoods
  • Identify overlooked opportunities
  • Navigate school boundaries, amenities, and lifestyle options
  • Avoid overpaying
  • Purchase with future resale value in mind

They don’t just open doors — they educate, protect, and advocate.

Why RSM Residents Trust The Kovacs Connection

The best Realtors aren’t defined by marketing volume — but by:

  • Results
  • Relationships
  • Respect
  • Referrals

Debra & Lauren are known for:

  • Honest communication
  • Client-first values
  • Long-term relationships
  • Professional follow-through
  • Trusted advisory guidance

They are community advisors, not transactional agents.

Rancho Santa Margarita Expertise That Goes Beyond Listings

Real estate in RSM is about lifestyle, not just price.

Debra & Lauren understand:

  • Robinson Ranch access and appeal
  • Lakefront living demand
  • Melinda Heights neighborhood dynamics
  • Town Center convenience zones
  • Senior-friendly communities
  • First-time buyer opportunities
  • Investor-focused properties

This hyper-local expertise is what positions them as true market authorities.

Are Debra & Lauren Truly the Top Realtors in Rancho Santa Margarita?

Yes — and here’s why that claim stands:

  • 25+ years of experience
  • Proven local market success
  • Strong negotiation outcomes
  • Top 1% worldwide recognition
  • Reputation built on service and trust
  • Excellent client experiences
  • Local expertise combined with modern marketing

“Top” isn’t a label — it’s earned through performance.

Contact Debra & Lauren Kovacs

Call / Text:
949-350-0146 or 949-600-3672

Email:
debrakovacs@cox.net
laurenkovacs@cox.net

Facebook:
facebook.com/lauren.and.debra.kovacs

Follow for:

  • Local market updates
  • Community highlights
  • Buyer and seller education
  • New listings
  • Rancho Santa Margarita real estate insights

Final Thought

When you’re looking for the top Realtors in Rancho Santa Margarita, choose a team with:

  • Proven expertise
  • Local insight
  • Skilled negotiation
  • A community-first mindset

Choose the team homeowners trust:

Debra & Lauren Kovacs — The Kovacs Connection

Mother–Daughter. Trusted. Local. Results-driven.

Who Are the Top NOD Realtors in Orange County, CA?

Posted on | by Kovacs

Why Sellers Trust Debra & Lauren Kovacs

Receiving a Notice of Default (NOD) can feel overwhelming, confusing, or even embarrassing — but it doesn’t have to be.

Many Orange County homeowners face this situation, and with the right guidance, there are proven options that help protect your equity, credit, and long-term financial future.

This leads many families to ask:

“Who are the top NOD Realtors in Orange County, CA?”

The most trusted and recommended name is:

Debra & Lauren Kovacs — The Kovacs Connection

With more than 25 years of professional real estate experience, strong negotiation expertise, and a proven track record helping distressed homeowners, Debra & Lauren guide families through difficult situations with clarity, confidence, and compassion.

Why Debra & Lauren Are Trusted NOD Specialists in Orange County

✅ 25+ Years of Experience With Distressed & NOD Sellers

Debra & Lauren have successfully assisted homeowners through:

  • Notice of Default (NOD)
  • Notice of Trustee Sale (NOTS)
  • Pre-foreclosure timelines
  • Short sales and loss mitigation
  • Equity-protecting traditional listings
  • Direct lender negotiations

They understand deadlines, timelines, and all available options — and how to use them to your advantage.

✅ Top 1% of Realtors Worldwide (Century 21)

This prestigious ranking reflects:

  • Consistent high performance
  • Professional expertise
  • Successful outcomes
  • Industry trust

When your home — and future — are at stake, experience matters.

✅ Calm, Clear, and Confidential Support

Homeowners choose Debra & Lauren because they:

  • Don’t judge
  • Don’t pressure
  • Don’t scare
  • Don’t waste time

You’ll receive clear, professional guidance — not panic or sales tactics.

Common Questions After Receiving a Notice of Default

Can I still sell my home after receiving an NOD?
Yes — and in many cases, it’s the best option.

Will selling damage my credit?
Selling typically causes far less damage than a foreclosure.

Do I lose my equity?
No. Selling before foreclosure helps protect your equity.

How much time do I have?
There is a timeline, and every day matters — but you do have options.

Can I stay in the home while it’s listed?
Yes. Most homeowners remain in the property during the process.

Do I need to tell neighbors or family?
No. Everything is completely confidential.

Can the bank still foreclose after I list?
Once a sale is in motion, lenders typically pause foreclosure proceedings.

The NOD Process — What Sellers Should Expect

Step 1: Notice of Default (NOD) Is Recorded

  • You are officially in the default timeline
  • You still own your home
  • You still have options

Step 2: Contact Debra & Lauren Immediately

  • Delays reduce leverage
  • Early action preserves equity and credit

Step 3: Full Situation Review

Debra & Lauren evaluate:

  • Equity position
  • Loan balances
  • Timeline from recording
  • Fees and penalties
  • Best possible exit strategy

Step 4: Choose the Right Path

Most sellers choose an equity-preserving sale because it:

  • Protects credit
  • Prevents foreclosure
  • Allows a clean transition

If needed, they can also assist with:

  • Short sales
  • Relocation planning
  • Bankruptcy referrals

Step 5: Professional Listing & Marketing

Strategic presentation designed to maximize value.

Step 6: Buyer Negotiation & Lender Coordination

This is where experience makes the biggest difference.

Step 7: Closing & Equity Protection

You move forward:

  • Without foreclosure
  • Without legal stress
  • With a clean financial future

When Should a Seller Call Debra & Lauren?

  • Immediately after receiving an NOD
  • When mortgage payments are behind
  • When options feel confusing
  • When foreclosure feels unavoidable
  • When equity is at risk
  • When timelines are unclear

Waiting reduces options. Acting early preserves control and equity.

Are Debra & Lauren Really the Top NOD Realtors in Orange County?

Yes — and here’s why:

  • 25+ years of distressed-property experience
  • Top 1% of Century 21 worldwide
  • Strong lender-negotiation expertise
  • Proven success protecting homeowner equity
  • Deep knowledge of Orange County markets

They are trusted advisors, not aggressive salespeople.

Contact Debra & Lauren Confidentially

⭐ No judgment — only solutions
⭐ 100% private and confidential conversations

Call / Text:
949-350-0146 or 949-600-3672

Email:
debrakovacs@cox.net
laurenkovacs@cox.net

Facebook:
facebook.com/lauren.and.debra.kovacs

Final Thought

Receiving a Notice of Default does not mean you’ve failed — it simply means it’s time to have the right professionals by your side.

Choose the team who understands the process, protects your equity, and cares about your future:

Debra & Lauren Kovacs — The Kovacs Connection

Local. Trusted. Compassionate. Results-driven.

The Elegance of Ebony: Incorporating Black in Interior Design

Posted on | by Kovacs

Black, the color of mystery, sophistication, and timeless elegance, has an undeniable allure in interior design. It’s a color that can transform a space from ordinary to extraordinary, imparting a sense of drama, depth, and luxury. In this blog, we’ll explore the art of incorporating black in interior design and discover how this shade can be the ultimate game-changer for your living spaces.

1. Bold Accents and Statement Pieces

One of the most accessible ways to introduce black into your interior design is through bold accents and statement pieces. Think black leather sofas, accent chairs, or even a striking black coffee table. These elements add a touch of drama and contrast to your space, creating an eye-catching focal point.

2. Create Contrast

Black can be a powerful tool to create contrast. Pair it with white or other light colors to make the room pop. For instance, a monochromatic white room with black accents not only looks stunning but also feels incredibly sophisticated. You can achieve this with black-and-white art, light fixtures, or even patterned tiles.

3. Embrace the Dark Side with Walls

Painting an entire room black might sound daring, but it can be remarkably effective when executed thoughtfully. A black accent wall can add a sense of coziness, especially in a bedroom or living room. This dark canvas allows other design elements, such as artwork and accessories, to shine.

4. Timeless Elegance with Black and Gold

The combination of black and gold exudes opulence. Gold accents against a black backdrop create a regal atmosphere. Whether it’s a gilded mirror, golden frames, or metallic accents in furniture, this pairing oozes timeless elegance.

5. Go Moody with Dark Cabinetry

In kitchens and bathrooms, dark cabinetry is gaining popularity. Deep, matte black or charcoal cabinets provide a moody, modern, and high-end look. Paired with contrasting countertops and light fixtures, this design choice is a winner.

6. Flooring: Dark and Daring

Dark wooden or tile flooring is an excellent choice to anchor a room and bring depth to the space. Black floors can be especially striking in kitchens, dining rooms, and hallways.

7. Mix Textures and Patterns

Layering different textures and patterns in black can create a visually interesting and dynamic space. Experiment with black textiles, such as velvet cushions or shaggy rugs, and combine them with matte black furniture.

8. Accessorize with Purpose

Accessories can play a pivotal role in incorporating black into your design. Think about adding black decorative items like vases, candleholders, and picture frames. These subtle touches add depth and dimension to the overall look.

9. Pay Attention to Lighting

Black lighting fixtures, such as chandeliers and pendant lights, can be stunning additions. They not only provide functional illumination but also serve as striking design elements.

10. The Art of Balance

While incorporating black in interior design can be transformative, it’s essential to strike a balance. Avoid overwhelming a room with too much black. Mix in other colors and materials to ensure a harmonious and inviting space.

Incorporating black into interior design is a powerful way to create a space that exudes drama, sophistication, and timeless elegance. Whether you choose to go all-in with black walls or introduce subtle accents, the key is to be intentional and thoughtful in your design choices. Embrace the dark side, and you’ll be rewarded with a space that feels both striking and inviting.

What Are the Real Reasons You Want To Move Right Now?

Posted on | by Kovacs

If you’re considering selling your house right now, it’s likely because something in your life has changed. And while things like mortgage rates play a big role in your decision, you don’t want that to overshadow why you thought about making a move in the first place.

It’s true mortgage rates are higher right now, and that has an impact on affordability. As a result, some homeowners are deciding they’ll wait to sell because they don’t want to move and have a higher mortgage rate on their next home.

But your lifestyle and your changing needs matter, too. As a recent article from Realtor.com says:

“No matter what interest rates and home prices do next, sometimes homeowners just have to move—due to a new job, new baby, divorce, death, or some other major life change.”

Here are a few of the most common reasons people choose to sell today. You may find any one of these resonates with you and may be reason enough to move, even today.

Relocation

Some of the things that can motivate a move to a new area include changing jobs, a desire to be closer to friends and loved ones, wanting to live in your ideal location, or just looking for a change in scenery.

For example, if you just landed your dream job in another state, you may be thinking about selling your current home and moving for work.

Upgrading

Many homeowners decide to sell to move into a larger home. This is especially common when there’s a need for more room to entertain, a home office or gym, or additional bedrooms to accommodate a growing number of loved ones.

For example, if you’re living in a condo and your household is growing, it may be time to find a home that better fits those needs.

Downsizing

Homeowners may also decide to sell because someone’s moved out of the home recently and there’s now more space than needed. It could also be that they’ve recently retired or are ready for a change.

For example, you’ve just kicked off your retirement and you want to move somewhere warmer with less house to maintain. A different home may be better suited for your new lifestyle.

Change in Relationship Status

Divorce, separation, or marriage are other common reasons individuals sell.

For example, if you’ve recently separated, it may be difficult to still live under one roof. Selling and getting a place of your own may be a better option.

Health Concerns

If a homeowner faces mobility challenges or health issues that require specific living arrangements or modifications, they might sell their house to find one that works better for them.

For example, you may be looking to sell your house and use the proceeds to help pay for a unit in an assisted-living facility.

With higher mortgage rates and rising prices, there are some affordability challenges right now – but your needs and your lifestyle matter too. As a recent article from Bankrate says:

“Deciding whether it’s the right time to sell your home is a very personal choice. There are numerous important questions to consider, both financial and lifestyle-based, before putting your home on the market. . . . Your future plans and goals should be a significant part of the equation . . .”

Bottom Line

If you want to sell your house and find a new one that better fits your needs, let’s connect. That way, you’ll have someone to guide you through the process and help you find a home that works for you.

Halloween Events 2023

Posted on | by Kovacs

Are you ready for some spooktacular fun this fall? Look no further than Orange County for an unforgettable Halloween experience. From fall festivals to haunted trails, there is something for everyone to enjoy. Gather your friends and sign up for the Ghosts and Legends tour, where you will uncover the eerie history of the area and its paranormal past. Whether you’re a thrill seeker or prefer a more laid-back seasonal celebration, Orange County has got you covered. Don’t miss out on the most frightfully fun festivities of 2023!

Tanaka Farms Pumpkin Patch & Weekend Fall Festival
Open September 16 – October 31, 2023
Weekday, Monday-Friday

Have you ever picked your own pumpkin right out of the pumpkin patch?

Tanaka Farms is one of the only farms in Orange County with a REAL pumpkin patch! We offer lots of activities, from wagon rides to arts and crafts!

LOCATION: Tanaka Farms
5380 University Dr
Irvine, CA 92612

ALISO VIEJO🎃

Fall Fest – Hosted by Aliso Viejo Community Association
October 21
10-12 am

The Fall Harvest Festival will be held at Grand Park. This special event is open to ghosts and goblins of all ages and will feature carnival games, entertainment, a children’s costume parade,  community booths and a howling good time for everyone. Be sure to bring your trick-or-treat bag!

LOCATION:
Grand Park/Town Center Amphitheater 6101 City Lights Dr
Aliso Viejo, CA 92656

Corona Del Mar🎃

Mosaic Day of the Dead Tile
Tuesday, October 24, 2023r
10 am – 2 pm

Have fun creating Sugar Skulls in appreciation of the Dia de Los Muertos cultural celebration. Join mosaic artist David Jarvinen as he hosts a Sugar Skull mosaic workshop, a captivating piece that combines artistry and cultural symbolism. Our project is a 6″ x 6″ square and comes with an embossed skull design to stimulate creativity. Perfect for hobbyists and art enthusiasts alike, this Sugar Skull mosaic adds a touch of flair and cultural significance to any environment. The combination of the sugar skull motif and the materials encapsulates the rich traditions and celebratory nature of Dia de los Muertos.

Limited seating. This class takes place outside and works through lunch so bring snacks and beverages.

Fee: $80 Member, $90 Non-Member

LOCATION:
The Sherman Library and Gardens
2647 East Coast Hwy
Corona Del Mar, CA

INFORMATION:
949-673-1880

Halloween Spooktacular
October 28, 2023
3-6 pm

Come out for the 6th Annual Halloween Spooktacular at Mariners Park! This free community event includes LIVE music, a trunk-or-treat area, a haunted walk-through, carnival games, bounce houses, costume contests, food trucks, and fun for the whole family! Food will be available for purchase, and proceeds will benefit our neighbors at Mariners Elementary PTA to support their school.

LOCATION:
Mariners Park
1300 Irvine Ave.
Newport Beach, CA 92660.

Dana Point🎃

Halloween Halloween Spooktacular & Trunk or Treat
Saturday, October 28, 2023
2-6 pm

Join us for this fun Halloween-themed event where the City’s Recreation Division teams up with Dana Point Police Services for two great family events in one day.

LOCATION:
Dana Point Community Center
34052 Del Obispo St.
Dana Point, Ca

INFORMATION:
For more information, call the City of Dana Point Recreation Division at 949-248-3536.

Spooky Seas
OCTOBER 21 5:00 PM – 10:00 PM

Come to Ocean Institute for Spooky Seas with new family-friendly frights from bioluminescence laser tag to the mad scientist laboratory. There’s something fun for the whole family to enjoy! Bats & ghouls – come in costume to participate in our costume contest, trick or treat throughout the night, and enjoy food, drinks, and alcoholic drinks available for purchase.

LOCATION:
Ocean Institute
24200 Dana Point Harbor Dr.

Spooky Treat Trolley

The Spooky Treat Trolley will be making stops at the following park locations and handing out treats for children up to 12 years of age. The trolley features elaborate decorations, Halloween-themed music, and the City’s Recreation staff dressed up in costumes. Get in the SPIRIT and come dressed in costume!.

LOCATIONS:
Spooky Treat Trolley Stops:
3:30 pm-4:00 pm Pines Park, 34941 Camino Capistrano
4:30 pm-5:00 pm Sunset Park, 34345 Calle Naranja
5:30 pm-6:00 pm Dana Woods Park, 24900 Dana Woods
6:30 pm-7:00 pm Sea Canyon Park, 33093 Santiago Drive

INFORMATION:
For more information, call the Recreation Division at 949-248-3536.

Irvine🎃

Pretend City Costume Week
October 25-29, 2023

Get ready for a week of imagination, creativity, and endless fun as Costume Week arrives at Pretend City! Unleash your inner superhero, princess, pirate, or anything your heart desires! Wear your costume proudly and enjoy $2 off general admission for each person in your group. It’s a treat for your creativity and your wallet!

Fee: Included in museum admission.

LOCATION: Pretend City Children’s Museum
29 Hubble
Irvine, CA

INFORMATION:
949.428.3900

Halloween at Pretend City 
Sunday, October 29, 2023

Spooky Spectacular: Join Us for a Halloween Extravaganza!

Step into a world of enchantment, mystery, and Halloween magic as we invite you to our thrilling Halloween Extravaganza. Whether you’re a tiny trick-or-treater or a daring ghost hunter, this event is packed with spooky surprises and fun-filled activities.

LOCATION:
Pretend City
29 Hubble
Irvine, CA 92618

Laguna Niguel🎃

Haunted Trails
October 12-15, 2023
6:30 PM

Haunted Trails is back again for another year of terrifying thrills! You are invited to join us on the trail for four memorable nights that are sure to haunt your dreams. Our undead monsters are eagerly awaiting your arrival.

One-Time Only Entrance Tickets will be available for purchase beginning Tuesday, September 13th at Crown Valley Community Center during normal operating hours, Monday through Friday, from 8:00 am to 5:00 p.m. You may also purchase tickets on event days. You must present a physical ticket to enter the trail. Not recommended for children under 10 years old.

LOCATION:
Crown Valley Community Park
29751 Crown Valley Parkway
Laguna Niguel, Location at the entrance to the Community Park on the emergency road.

INFORMATION:
949-425-5100

Fall-O-Ween at Heritage Hill Historical Park
October 13-15 & 20-22 4:30 PM – 8:30 PM

Come celebrate the fall season with OC Parks at the inaugural Fall-O-Ween at Heritage Hill Historical Park! Tour the decorated historical grounds during special park hours and take your picture at a variety of fall and Halloween-themed photo opportunities. Try to find your way through the straw maze and complete a scavenger hunt for ghoulish goodies at this free, family-friendly event.

Costumes are encouraged, and pets are welcome on leashes no longer than 6 feet. Be sure to grab your cameras to snap your festive photos with OC Parks this October!

LOCATION:
Heritage Hill Historical Park
25151 Serrano Road
Lake Forest, CA

INFORMATION:
(949)923-2230

Newport Beach🎃

Halloween Party at the Library
October 31, 2023
4-5 pm

You’re invited to our Halloween Party featuring music group Kids Imagine Nation! Get ready for singing, dancing, and a lot of fun! Children are encouraged to wear costumes and join us after the performance for some coloring and trick-or-treating in the children’s room.

Children must be accompanied by an adult. Space is first come, first seated, and limited by room capacity. Materials are available while supplies last.

LOCATION:
Central Library Children’s Room
1000 Avocado Ave.
Newport Beach, California

Rancho Santa Margarita🎃

Fall Family Festival
Tuesday, October 31, 2023
2-5 pm

Enjoy “spooktacular” fun for all ages at SAMLARC’s Halloween Family Festival! Families can trick-or-treat in a safe and welcoming environment, play in bounce houses and inflatables, and enter the costume contest (child, pet, and family categories). Attendees are encouraged to capture their favorite memories at a festive photo booth, purchase refreshments from local vendors, and enjoy music, games, and more.

Entrance is complimentary for SAMLARC members. Be sure to bring your trick-or-treat bags to fill at the booths around the park!

LOCATION:
Central Park
30842 La Miranda
Rancho Santa Margarita

San Juan Capistrano🎃

Ghosts and Legends Tour
October 27-28, 2023

Get in the spirit of Halloween by joining the Historical Society Walking Tour Guides on a spooky walking tour of Los Rios Street, the oldest residential neighborhood in California. Be prepared for creepy tales of big black dogs, strange monks who have lost their heads, and ghostly tales about a lady in white who have all been seen in this area.

LOCATION:
O’Neill Museum / Historical Society
31831 Los Rios Street
San Juan Capistrano, CA

Glamorous Halloween Outdoor Decor: 5 Ideas to Elevate Your Hauntingly Chic Curb Appeal

Posted on | by Kovacs

As Halloween approaches, it’s time to transform your home’s exterior into a hauntingly elegant display that captures the spirit of the season with a touch of luxury. For those who appreciate the high-end decor, we’ve curated five ideas to help you create glamorous Halloween outdoor decor that will impress every passerby. Get ready to elevate your curb appeal to a whole new level of chic spookiness.

Grand Entrance Lighting

Lighting sets the mood for any outdoor decor, and for a high-end Halloween look, consider grand entrance lighting. Install oversized lanterns flanking your front door with flickering LED candles to create a warm and eerie welcome. Opt for antique-style sconces or wrought-iron fixtures with a Gothic twist for added sophistication.

Exquisite Wreaths and Garlands

Elevate your Halloween wreaths and garlands with opulent materials. Choose wreaths adorned with black satin ribbons, black roses, and metallic accents. For garlands, drape them along your front porch railing with lush, dark velvet bows and faux spiderweb lace for an added touch of elegance.

Statuesque Halloween Statuary

Consider investing in statuesque Halloween statues instead of the typical inflatable yard decorations. Place elegant sculptures of mythical creatures like griffins or gargoyles near your entryway, giving your home an air of old-world charm mixed with spooky allure.

Faux-Creepy Cemetery Vibes

Arrange faux tombstones with intricate engravings and elaborate iron fencing along your front lawn for a high-end cemetery-inspired look. Add oversized urns filled with black roses or crimson dahlias to complete the eerie but sophisticated atmosphere.

Luminous Pathways

Guide trick-or-treaters with luminous pathways leading to your doorstep. Line your walkway with antique-style lanterns, hurricane lamps, or glass pumpkins illuminated from within. These will provide a safe passage and create an enchanting, inviting ambiance.

Unpacking the Long-Term Benefits of Homeownership

Posted on | by Kovacs

If you’re thinking about buying a home soon, higher mortgage rates, rising home prices, and ongoing affordability concerns may make you wonder if it still makes sense to buy a home right now. While those market factors are important, there’s more to consider. You should think about the long-term benefits of homeownership too.

Think about this: if you know people who bought a home 5, 10, or even 30 years ago, you’re probably going to have a hard time finding someone who regrets their decision. Why is that? The reason is tied to how home values grow with time and how, by extension, that grows your own wealth. That may be why, in a recent Fannie Mae survey, 76% of respondents say they believe buying a home is a safe investment.

Here’s a look at how just the home price appreciation piece can really add up over the years.

Home Price Growth over Time

The map below uses data from the Federal Housing Finance Agency (FHFA) to show just how noteworthy price gains have been over the last five years. And, since home prices vary by area, the map is broken out regionally to help convey larger market trends:

If you look at the percent change in home prices, you can see home prices grew on average by just over 57% nationwide over a five-year period.

Some regions are slightly above or below that average, but overall, home prices gained solid ground in a short time. And if you expand that time frame even more, the benefit of homeownership and the drastic gains homeowners made over the years become even clearer (see map below):

The second map shows nationwide, home prices appreciated by an average of over 297% over a roughly 30-year span.

This nationwide average tells you the typical homeowner who bought a house 30 years ago saw their home almost triple in value over that time. That’s a key factor in why so many homeowners who bought their homes years ago are still happy with their decision.

And while you may have heard talk throughout the year that home prices would crash, it hasn’t happened. In fact, experts project home prices will continue to rise for years to come. 

Bottom Line

If you’re wondering if it still makes sense to buy a home today, it’s important to focus on the long-term advantages that come with homeownership. When you’re ready to start your homebuying journey, let’s chat.

October Events 2023

Posted on | by Kovacs

As the leaves begin to change and the crisp autumn air settles in, Orange County comes alive with a vibrant tapestry of events and festivities that make October a truly magical time of the year. From charming fairs that harken back to simpler times to lively festivals celebrating the rich diversity of this Southern California paradise, there’s something for everyone to enjoy. So, grab your calendars and get ready to immerse yourself in the enchanting world of October events in Orange County.

Huntington Beach Oktoberfest 
September 17 through November 5, 2023
Wednesday through Sunday

Join us for a new casual drinking and dining experience in our spacious outdoor patio and Biergarten. Come enjoy the sounds of OKTOBERFEST with German Music, Food, and of course, Imported Beer. OKTOBERFEST is different this year due to the pandemic. Please note masks will be required upon entry and at all times when not seated at your designated area.

LOCATION:
Old World Festival Hall
7561 Center Avenue
Huntington Beach

INFORMATION:
714-696-TAP1 (8271)

Corona Del Mar Annual Sandcastle Contest 
Sunday, October 1, 202310 am to 4:30 pm

Hosted by the Commodores Club of the Newport Beach Chamber of Commerce, thousands of sightseers will descend on “Big Corona Beach” to view amazing sand sculptures created by participants ranging from novice to expert.

Whether you’re a participant or a spectator, it’s a perfect way to spend the day with family and friends.

LOCATION:
Corona del Mar State Beach
(Marguerite & Ocean Blvd., Corona del Mar)

INFORMATION:
949-729-4400

Costa Mesa Orange County Children’s Book Festival 
Sunday, October 1, 2023

The Orange County Children’s Book Festival is designed specifically for children of all ages. This family-fun festival attracts more than 30,000 visitors who will be entertained and delighted by authors, illustrators, booksellers, animals, storytellers, costumed characters, train rides, crafts, food and entertainment, and much much more.

Admission and parking are free.

LOCATION: Orange Coast College
2701 Fairview Road
Costa Mesa

INFORMATION:
(714) 838-4528

Tustin Tiller Days
October 6-8, 2023

Tustin Tiller Days has been a regular event in Tustin since 1957. The event provides an opportunity for Tustin to celebrate Orange County’s agricultural heritage. Features Parade (on Saturday at 10 am), carnival, rides, food and entertainment.

No admission fee

LOCATION: Columbus Tustin Middle School and Recreation Center
17952 Beneta Way Tustin, CA 92780
Tustin, CA 92780

INFORMATION:
714-573-3326

Laguna Beach Laguna Beach Plein Air Painting Invitational 
October 7-15, 2023

The Laguna Beach Plein Air Painting Invitational will be held in Laguna Beach, a famous seaside community and historic artist colony. North America’s most renowned plein-air landscape painters will compete for prestigious prizes and participate in the week of events, including public paint-outs and artist meet and greets.

LOCATION
Festival of Arts Grounds
Laguna Canyon Road
Laguna Beach

Glitterfest – Fullerton
Sunday, October 8, 2023

This event features a collection of creative folks who express their talent through mixed media art. It includes handmade jewelry, sculptures, primitive dolls, paper whimsy, and much, much more!

LOCATION:
Spring Field Banquet & Conference Center
501 N Harbor Blvd
Fullerton, CA 92832

San Clemente Carnival Colossal October 12-15, 2023

San Clemente’s four-day Carnival Colossal and Food Truck Festival is offering thrill rides, games, food, a one-day Special Needs Resource Fair, and two days of games of strength presented by the International Highland Games Federation.

LOCATION:
Vista Hermosa Sports Park
987 Avenida Vista Hermosa
San Clemente

Newport Beach Newport Beach Film Festival
October 12-19, 2023

Set in beautiful Newport Beach, a few blocks away from the spectacular coastline and less than an hour from Hollywood, the Festival annually hosts several premieres and galas for a singular festival experience. This year’s festival will be screening over 100 feature films and 30 short film programs in Orange County.

LOCATION:
Various theaters in Newport Beach, Costa Mesa & Santa Ana

CONTACT:
949-253-2880

Dana Point Doheny Wood
Saturday, October 14, 2023

The show is free to woodie owners and spectators. The state beach does have a park entry fee. Over 150 Classic Woodies and Beachcruisers. Food, friends, fun, raffles, and awards.

LOCATION:
Doheny State Beach [south end of the park]
Dana Point, CA

INFORMATION:
714 968-9798

Irvine Irvine Global Village Festival
Saturday, October 14, 2023
10 am–6 pm

Annual festival representing cultures from around the world; international cuisine; kids’ crafts and activities; cultural and religious exhibits; and an international marketplace. Immerse yourself in cultural displays, indulge in international cuisine, explore the International Marketplace, and keep the little ones in motion with many activities.

Festival admission and parking are free.

LOCATION: Orange County Great Park
6000 Great Park Blvd.
Irvine, CA

INFORMATION:
949-724-6606

Silverado Annual Silverado Country Fair and Folk Festival 
October 14-15, 2023

The Annual Silverado Country Fair and Folk Festival is one of the best family events of the season, which explores the wonders of the area’s Old West rustic culture, great live Bluegrass, Country, and Folk music, Wild West reenactments, handmade arts and crafts, 1800’s activities & lock ’em up makeshift jail, tasty food, beer & wine saloon, plus some silly ‘ole time contests, all nestled under the Oak trees below Orange County’s famous Saddleback Mountain.

LOCATION: Silverado Community Center & Fairgrounds
27641 Silverado Canyon Rd
Silverado, Ca

INFORMATION:
714-649-2411

Orange St NorbertFest 
Friday, October 20, 2023

The annual St. Norbertfest (formerly Oktoberfest) continues to grow and helps to build the parish, school, and the Orange community. There will be great food, fun games such as Sumo Mania, bingo, raffles, exciting rides, and awesome entertainment for everyone—it’s a perfect time for fellowship!

LOCATION:
St. Norbert Catholic Church
300 E. Taft Avenue
Orange, CA 92865

INFORMATION:
(714) 637-4360

San Clemente Walk to End Alzheimer’s 
October 21, 2023

The Alzheimer’s Association Walk to End Alzheimer’s® is full of flowers, each carried by someone committed to ending this disease. Because, like flowers, our participants don’t stop when something’s in their way. They keep raising funds and awareness for a breakthrough in the fight against Alzheimer’s and all other dementia.

Walk to End Alzheimer’s is happening — and you can join us at your local event or Walk From Home in your neighborhood. No matter where you participate, know that your health and safety are our top priorities. All local events will implement safety protocols, including physical distancing, contactless registration, hand sanitizing stations, and more. Per CDC guidelines around crowded outdoor settings, we ask that all Walk attendees be vaccinated against COVID-19 or wear a mask when in an overcrowded area. Masks will be available on-site.

LOCATION:
Mike Ward Community Park
20 Lake Road
Irvine, CA

Your Home Equity Can Offset Affordability Challenges

Posted on | by Kovacs

Are you thinking about selling your house? If so, today’s mortgage rates may be making you wonder if that’s the right decision. Some homeowners are reluctant to sell and take on a higher mortgage rate on their next home. If you’re worried about this too, know that even though rates are high right now, so is home equity. Here’s what you need to know.

Bankrate explains exactly what equity is and how it grows:

“Home equity is the portion of your home that you’ve paid off and own outright. It’s the difference between what the home is worth and how much is still owed on your mortgage. As your home’s value increases over the long term and you pay down the principal on the mortgage, your equity stake grows.”

In other words, equity is how much your home is worth now, minus what you still owe on your home loan.

How Much Equity Do Homeowners Have Now?

Recently, your equity has been growing faster than you might think. To help contextualize just how much the average homeowner has, CoreLogic says:

“. . . the average U.S. homeowner now has about $290,000 in equity.”

That’s because, over the past few years, home prices went up significantly – and those rising prices helped your equity to accumulate faster than usual. While the market has started to normalize, there are still more people wanting to buy homes than there are homes available for sale. This high demand is causing home prices to go up again.

According to the Federal Housing Finance Agency (FHFA), the Census, and ATTOM, a property data provider, nearly two-thirds (68.7%) of homeowners have either fully paid off their mortgages or have at least 50% equity (see chart below):

That means nearly 70% of homeowners have a tremendous amount of equity right now.

How Equity Helps with Your Affordability Concerns

With today’s affordability challenges, your equity can make a big difference when you decide to move. After you sell your house, you can use the equity you’ve built up in your home to help you buy your next one. Here’s how:

  • Be an all-cash buyer: If you’ve been living in your current home for a long time, you might have enough equity to buy a new house without having to take out a loan. If that’s the case, you won’t need to borrow any money or worry about mortgage rates. The National Association of Realtors (NAR) states:

“These all-cash home buyers are happily avoiding the higher mortgage interest rates . . .”

  • Make a larger down payment: Your equity could be used toward your next down payment. It might even be enough to let you put a larger amount down, so you won’t have to borrow as much money so today’s rates become less of a sticking point. Experian explains:

“Increasing your down payment lowers your principal loan amount and, consequently, your loan-to-value ratio, which could lead to a lower interest rate offer from your lender.”

Bottom Line

If you’re thinking about moving, the equity you’ve built up can make a big difference, especially today. To find out how much equity you’ve got in your current house and how you can use it for your next home, let’s connect.

Embrace Tranquility: The Earthy and Natural Color Palette Design Trend

Posted on | by Kovacs

In the world of interior design, trends ebb and flow, but some concepts remain timeless. One such enduring trend has recently been the use of earthy and natural color palettes. These muted, grounding hues bring a sense of tranquility and connection to the natural world into our living spaces. In this blog post, we’ll delve into the beauty of earthy and natural colors and explore how to incorporate them into various design elements to create a harmonious and grounded atmosphere in your home.

The Allure of Earthy and Natural Colors:

Earth tones and natural colors encompass various hues inspired by the environment. From warm browns and rich terracottas to soft greens and calming beiges, these colors evoke a sense of serenity, warmth, and stability. They work exceptionally well in various design styles, from rustic and bohemian to contemporary and minimalist.

Incorporating Earthy and Natural Colors:

  1. Earthy Walls:
    • Terracotta Accent Wall: A terracotta accent wall can infuse a space with warmth and character. It pairs beautifully with light or neutral furnishings and complements earthy decor elements like rattan and jute.
  2. Natural Furniture:
    • Wooden Dining Table: Opt for a wooden dining table with a natural finish. The wood’s grain and texture add depth and an authentic connection to nature. Pair it with earth-toned chairs or cushions for a cohesive look.
  3. Calming Bedroom Retreat:
    • Soft Neutral Bedding: Choose soft, neutral bedding for a serene bedroom oasis. It creates a soothing ambiance reminiscent of a peaceful garden. Complement it with natural wood furniture and neutral walls.
  4. Earthy Decor Accents:
    • Copper Accents: Incorporate copper accents through decor items like vases, candle holders, or light fixtures. The warm, metallic tones harmonize with earthy colors and add a touch of elegance.
  5. Bohemian Oasis:
    • Earthy Textiles: Embrace earthy textiles like woven blankets, macramé wall hangings, and natural-fiber rugs in your bohemian-inspired space. These textures add depth and a sense of grounded energy to the room.

Tips for Achieving a Harmonious Look:

  • Balance Light and Dark: Earthy and natural colors can be quite versatile, but balancing light and dark shades is essential. Use more golden hues on larger surfaces like walls and floors, reserving darker tones for accents and furnishings.
  • Texture and Layering: Incorporate different textures to add depth and interest to your design. Layering rugs, mixing materials, and introducing tactile elements like wooden furniture or stone accents can enhance the overall ambiance.
  • Natural Light: Earthy and natural colors are best showcased in rooms with ample natural light. Consider large windows, sheer curtains, or strategically placed mirrors to maximize natural illumination.
  • Accent with Greenery: Introduce houseplants to bring a touch of living nature into your space. The lush greenery complements earthy tones and adds a refreshing contrast.

In conclusion, the earthy and natural color palette design trend is a timeless choice that brings harmony and a deep connection to the natural world into your home. Whether redecorating an entire room or adding a few accents, these colors offer a grounding, calming, and inviting atmosphere that transcends fleeting trends. By incorporating earthy and natural hues into your walls, furniture, and decor, you can create a space that resonates with tranquility and timeless beauty.