Fallbrook, Bonsall and Oceanside real estate and homes for sale in California, groves, ranches, horse estates - Brian and Linda Josef, REALTORS® Brian and Linda Josef REALTORS(r) for Fallbrook, Bonsall and Oceanside, California real estate, groves, ranches, horse estates - NUMBER1EXPERTS™ Brian and Linda Josef NUMBER1EXPERTS(tm) for Fallbrook, Bonsall and Oceanside, California real estate, groves, ranches, horse estates
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Brian and Linda Josef, REALTOR®, real estate agents and broker for Fallbrook, Bonsall and Oceanside California home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why we are top real estate experts. Call us: 760-390-2201.


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"We received outstanding service."
"Our communication with Brian and Linda was better than what we have with close friends."
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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Brian and Linda, a proven Fallbrook, Bonsall and Oceanside, California NUMBER1EXPERT™ Top Selling real estate agent.

  • Find Fallbrook, Bonsall and Oceanside Homes - Find Fallbrook, Bonsall and Oceanside, California real estate listings & homes for sale provided by Brian and Linda, your local expert real estate agent.

  • For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Brian and Linda, a proven Fallbrook, Bonsall and Oceanside, California NUMBER1EXPERT™ Top Selling real estate agent.

  • For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Brian and Linda, a proven Fallbrook, Bonsall and Oceanside, California NUMBER1EXPERT™ Top Selling real estate agent.

  • Fallbrook, Bonsall and Oceanside Information - Find local information on Fallbrook, Bonsall and Oceanside, California including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Brian and Linda, a proven NUMBER1EXPERT™ Top Selling real estate agent.

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  • About Brian and Linda - Information about Brian and Linda including testimonials, guarantees, credentials, and contact information. Learn why Brian and Linda is a proven Fallbrook, Bonsall and Oceanside, California NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
First Time Buyers >Affording A Home

Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.

As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.

Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.

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Real Estate Trivia
Q 
What does the term ARM stand for?

A 
An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market.
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Brian and Linda Josef, REALTOR®, real estate agents and broker for Fallbrook, Bonsall and Oceanside California home listings, property and land for sale - NUMBER1EXPERT(tm)

Brian and Linda Josef
Broker, CRS®, REALTORS®

Serving all of Fallbrook, Bonsall & East Oceanside
550 Georgine Road
Fallbrook, CA 92028
Direct : 760-390-2201
Email: BrianAndLinda@NUMBER1EXPERT.com

With over 35 years combined real estate sales experience, Brian & Linda Josef place the customer first in every decision they make and everything they do. They are dedicated to providing their customers with services and products of superior quality, value and convenience that will enhance the sale or purchase of your property.

CRSEqual HousingMLSREALTOR


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