760-814-1850
    info@1850realty.com

1850 Realty ®1850 Realty ®

Helping You Buy and Sell Real Estate in San Diego

  • Communities
    • Cardiff
    • Carlsbad
    • Del Mar
    • Encinitas
    • Escondido
    • Fallbrook
    • Oceanside
    • Poway
    • Home
    • Ramona
    • Rancho Bernardo
    • Rancho Santa Fe
    • San Marcos
    • Solana Beach
    • Valley Center
    • Vista
  • Services
  • Blog
  • Why 1850?
  • 1850 Realty LFRO

Homeownership means taking responsibility

So you’re thinking about buying a home. Isn’t it so exciting? The thought of laying down your roots, painting & decorating your home to your heart’s content & oh man don’t forget about that tax write off. Jumping for joy!

But when you come down from cloud nine, reality strikes. There’s a lot that goes into buying a home. All the research, countless hours of trying to find the right one, & finally it happens…you get your offer accepted! Hallelujah!

Now comes the reality part of the process. Due diligence. What exactly does that mean? Due diligence is exactly that…do your due. Whatever you want to know about this home from your home inspection (the guts of the home) to a title report (the land ownership rights of the home) to the natural hazard disclosure (the surroundings of the home), All of these things are equally important to determining whether or not you’ll be calling this “Home” in the next month.

But here’s the kicker: Even after you’ve done your due diligence, shit happens. Homeownership means taking responsibility. Before you take plunge, understand that owning a home requires time, money & effort. There are things you won’t discover about this home until after you live there. (Another good reason to get a home warranty by the way.) But because you won’t know everything about this home until you live there, please make sure to do your best research.

Take Homeowners insurance as an example. The natural hazard disclosure is a document that will tell you about the surroundings of the home whether you’re in a fire zone, flood zone, earthquake zone (yeah that’s a given in So Cal) but by making sure to read this document, you’ll know if you need more coverage for your home. Plus, do me a favor & don’t get cheap insurance. Consider things like if a pipe breaks, how much out of pocket expense will you have if something like that happens. Again, homeownership means taking responsibility.

I recently had a past client call me with this exact problem. They unexpectedly had a flood (well who ever expects it). To their discontent, they had to move out & have their insurance help them with re-mediating the damage. Unfortunately, they did not take out enough coverage so their out of pocket expense is much higher than they had planned for. Not the best news when you have a 13 month old baby. To top it all off when the insurance adjuster came out to assess the damage and they discovered they have asbestos.

How on earth?!!?? Well the news came as a surprise to me too. We did our diligence during the inspection process. In fact, the house had been completely renovated before they bought it. No popcorn ceilings, granite counter tops, stainless steel appliances. This home was a deal! But 2 years later, asbestos! Really? You can only imagine how they felt about this discovery. How did this happen? It’s no one’s fault really. We did our diligence. Unless we could prove that the seller knew about the problem, there’s no way we could go after them. I checked with the legal department of my association & sure enough, there’s no real battle for these homeowners. They must take responsibility of their home & deal with the insurance company to handle the problem. Luckily for them, everything is being taken care of & their expenses of temporary housing are paid for by the insurance company. But this is why I can’t stress enough how important it is to take responsibility as a homeowner.

Once you’ve made the decision & signed on the dotted line, things will come up. It’s true with anything in life. When you get married, you decide to commit yourselves to one another. But how high is the divorce rate? How about when you have a child, there’s no guarantee that you will live to see the day they graduate, let alone take their first step.

I’m not trying to get psychological on you but homeownership is as serious as marriage or raising a child. Make sure you are prepared, be responsible, and take ownership of your decision.

Posted in: Blog, Real Estate in San Diego, San Diego North County Real Estate Tagged: Buyer, Buyers, due diligence, First Time Buyers, home inspection, North County San Diego

Post navigation

« The Beer Scene in North County
Don't Try to Sell Us ~ We HATE It »

Favorites

Home Improvement
Open Houses
Things to Do
How to Buy
How to Sell
Honesty Hour Videos

Home Valuation Tool

1850realty

Helping San Diegans make smart moves! First homes, forever homes & everything between. Seasoned Soulful Broker/Owner @carolfarrar 🌅🏡

Price isn’t the only thing on the table. 📝In Price isn’t the only thing on the table. 📝In real estate, the terms can make or break a deal, and that’s where experience matters most. From inspections to seller credits to creative timelines, we know how to negotiate a win that works for you.
You don’t have to Google your way through the re You don’t have to Google your way through the real estate process. Whether you're buying, selling, upsizing or just thinking ahead, I offer free, no-commitment consultations to help you plan your next move with confidence. 📲 Let’s grab coffee or hop on a call! Your timeline, your pace.
Appraisals sometimes don’t match what buyers are Appraisals sometimes don’t match what buyers are willing to pay. It can happen in competitive markets, especially when bidding wars push offers above recent sales! Or as the market adjusts, sellers may not be as willing to change the terms of the contract. But here’s the good news: you’ve got options. From renegotiating to reviewing comps or bridging the gap creatively, we’ll guide you through the next best steps, without losing momentum. Buying a home doesn’t have to feel like guesswork. We’re here to help you move forward with confidence. #1850realty #buyingahome
If you are looking for more support with buying or If you are looking for more support with buying or selling a home, reach out we are here to help! 😃 —- a little about me: Hi 👋 I’m Carol Farrar, Broker-Owner of @1850realty here in San Diego. 🌴For over 20 years, I’ve been helping people make confident, informed real estate decisions whether that’s buying a first home, selling a family property, moving up, scaling down, or settling into a forever place. ♾️ While I specialize in trust and probate sales, I work with all kinds of clients navigating big life moments and I bring experience, strategy, and steady guidance every step of the way 🛣️ If you’re thinking about a move or just want to know what’s possible I’m here to help. 🏡Let’s connect! #SanDiegoRealEstate #1850Realty #FirstTimeBuyer #ForeverHome #TrustAndProbate #MoveUpBuyer #Downsizing #RealtorWithExperience #SupportiveMoves
📚The answer is simple! ✅ Location 📍 ✅ 📚The answer is simple! ✅ Location 📍 ✅ Condition 🏡 ✅ Price 💰 These three rules will make their way into your decision making process whether you’re buying or selling a home. Hiring a seasoned professional can help your experience tremendously. It’s important to ask your agent questions before you hire them. Learn more about that topic on our, 3 questions to ask an agent, series. #1850realty #sandiegorealestate #realestatetips #northcountysd
Pop Quiz! 🤔 Do you know the 3 rules of Real Es Pop Quiz! 🤔 Do you know the 3 rules of Real Estate? 🏡 #1850realty #sandiegorealestate #northcountysd #buyingahome #propertyselling #realestatebroker
💭 Rent or buy? It’s not always a black-and-wh 💭 Rent or buy? It’s not always a black-and-white decision. Consider the following! Curious whether it’s the right time to buy? Let’s look at the numbers together — not just the headlines.
What’s the difference between a home warranty an What’s the difference between a home warranty and homeowners insurance? I’ll break it down for you! Ready to chat about your property? Send me a DM or give me a call!
Let’s talk earnest money! 💰No, it’s not a f Let’s talk earnest money! 💰No, it’s not a fee you lose forever and yes, it’s a super important part of making a strong offer on a home! Knowing how to handle earnest money = buyer power 💪 Have questions about the process? Let’s chat!
What are you doing next Friday 8/8? Join us as we What are you doing next Friday 8/8? Join us as we Cheers to 12 years in business as your trusted San Diego Residential Real Estate Brokerage 🏡 Friday 8/8 3-5pm at @carlsbadlandings ✈️ located at 2198 Palomar Airport Rd in Carlsbad We’d love if you RSVPed please. Link in bio and in story 📲
🌻 New month, new goals, same great service. Whe 🌻 New month, new goals, same great service. Whether you're buying, selling, or staying put, we’re here to guide you through every season of homeownership. #AugustVibes #1850Realty
Thinking about buying a home? 🏡 We’ve broken Thinking about buying a home? 🏡 We’ve broken down the process step by step! From getting pre-approved to getting your keys—so you know exactly what to expect. 💡Start on our website 1850realty.com
Curious about how much your home is worth? Use our Curious about how much your home is worth? Use our handy tool to get an estimate! Knowledge is power when it comes to real estate. Visit 1850realty.com or DM us for the link.
Thinking of Buying Later This Year? Start Now! Jul Thinking of Buying Later This Year? Start Now! July is the time to get pre-approved, check credit, and set goals for fall. The best home buying and selling journeys start with a little planning. Let’s chat about your goals!
We are halfway through 2025 and even though time h We are halfway through 2025 and even though time has flown by, there’s still time to get prepped for selling Save this checklist to stay organized and stress-free!
Whether you are a first time home buyer, or have b Whether you are a first time home buyer, or have been through the process a couple times, we are here to help! We make sure our clients are our priority, tell us your home dreams!
Having a plan (and a great agent 👋) makes all t Having a plan (and a great agent 👋) makes all the difference in navigating tricky situations like an appraisal gap. Got questions about how to navigate your home buying or selling journey? Send us a message!
Keep these 4 things in mind when thinking about bu Keep these 4 things in mind when thinking about buying a home and contact our 1850 Realty team to get started! 🏘️
Our team is here to show you that we are the best Our team is here to show you that we are the best in the business. We understand the market if you are a buyer, a seller or both! Don't stress with anyone else when it comes to your homeownership plans! Give us a call.
Happy Fourth of July from 1850 Realty! Stay safe, Happy Fourth of July from 1850 Realty! Stay safe, have fun, and may your Fourth sparkle as bright as the fireworks tonight! 🎇
Follow on Instagram
760-814-1850
info@1850realty.com

16787 Bernardo Center Drive, Ste 7, San Diego 92128

1850 Realty ® California DRE #01946868                      Carol Farrar DRE #01733808                                         Eric Farrar DRE #01949104
1850 Realty ®
© 2025