The 55+ Villa Portofino Palm Desert Condo Models Are Now Open

55+ villa portofino new condos for sale

The wait is over. You can now purchase a new 55+ luxury condo in Palm Desert, California at the gated community of Villa Portofino. Models are now open.

As a buyer, you pay no commission to have a Realtor represent you on the purchase of a new home. The commission is paid by the developer. Please contact me today, at the number above, to see these beautiful new condos in person.


Four Seasons At Terra Lago In Indio Is The Newest 55+ Community In The Desert

four seasons terra lago 55+ homes for sale

K. Hovnanian’s® Four Seasons at Terra Lago in Indio is our newest 55+ active adult community in the desert.

Four Seasons at Terra Lago offers 9 single family models to choose from, starting in the $200,000s and ranging in size up to approximately 2,747 square feet and up to 4 bedrooms.

Luxury amenities include:

The Lodge clubhouse (approximately 22,000 sq. ft.)
State-of-the-art fitness center
Aerobics studio
Yoga studio
Beauty salon
Massage room
Indoor and outdoor pools and spas
A bocce ball court
Tennis courts,
Guard gated
Activities, clubs events, crafting, games, and much more.

If you are in the market for a new 55+ desert home, please contact me today. There’s never a cost to you to use a buyer’s agent to help you negotiate a deal on a new home. Commissions are paid by the developer.

Desert Willows 55+ Homes For Sale Starting In Low $100,000s!

I just sold this home in the 55+ gated community of Desert Willows, in Desert Hot Springs, California. This 2 bedroom, 2 bathroom home with a 2-car garage, mountain views, a fireplace and lots of upgrades sold for $135,000! Plus, you own the land and monthly homeowner association fees are very low.

Deals like this are not going to last forever. Please click the link below to search homes for sale in this community or call me at the number above and I’ll be happy to help you with your search in person.

Congratulations Marvin and Jerry on the purchase of your new home!


Four Seasons Palm Springs Homes Are Best 55+ Deals In The Desert

four seasons palm springs 55+ homes for sale


JANUARY 1, 2014 – MARCH 31, 2014

In the first quarter of 2014, six single family homes sold in the active adult, 55+, senior community of Four Seasons, Palm Springs. This gated neighborhood offers some of the lowest prices per square footage of any 55+ community in the desert.

The shortest time on the market was 17 days.

The LOWEST SELLING PRICE was $285,000. The 2 bedroom, 2 bathroom, approximately 2100 square foot, 2005 home sold in 93 days.

The HIGHEST SELLING PRICE was $400,000. The 3 bedroom, 2 bathroom, approximately 2748 square foot, 2006 home sold in 62 days.

The lowest priced home currently on the market for sale in Four Seasons, Palm Springs, has an asking price of $269,000. It’s approximately 2,023 square feet, offers 2 bedrooms and 2 bathrooms and was built in 2005. You own the land and monthly HOAs are low.

Please contact me at or the telephone number above, if you would like to see this home or any of the other homes for sale in Four Seasons, Palm Springs.


55+ Boomers And Seniors Make Great Real Estate Agents

keller williams realty logoAre you looking for a second career, a part time job or a way to keep active and to supplement your social security or other retirement income?

Becoming a Keller Williams Realty Palm Springs, desert area real estate agent might be the answer. You are your own boss, you make your own hours and work as little or as much as you want to.

Visit my Keller Williams Realty Careers website and learn what the largest real estate company in the country can do for you and your career.  Or, give me a call and I would be happy to tell you why I love to call Keller Williams Realty home and why you will too.

Approximately 40% Of Buyers Prefer An Age Restricted Community

palm springs neighborhoods

In a recent survey, it was reported by the Senior Real Estate website that nearly 50% of 50-plus home buyers prefer an age restricted community.

The California Association of Realtors survey indicates that 34 percent of buyers prefer an age restricted neighborhood or community. While the majority of 50-plus home buyers prefer to live around people in all stages of life,  millions of buyers would rather live among others their own age, in an age restricted community.

Please contact me today if I can help you find a great home or condo in one of our many 55+ communities.

How To Prevent Your Grown Children From Boomeranging Back Home

There are many good reasons to move into a 55+ community. More and more buyers, these days, are making the move to an age-restricted community as a way to prevent  their adult children from “boomeranging” back home to live. It may be a bit extreme, but it is effective.

Whatever your reason is, for moving into an active-adult community, I would be happy to help you with your search. Please contact me at the number above, or email .


Senior Real Estate Specialist Newsletter-MARCH 2014

By Elyse Umlauf-Garneau

twitter for seniorsOpen Yourself to the Twitter Universe

If you have not explored Twitter, you’re missing out on a vast resource for information, expertise, studies, links, and entertainment.

It can be a starting point if you’re facing an immediate crisis, such as needing a crash course on long-term care or assisted living options, or you need to find a contractor to make your parents’ house friendlier for aging in place.

But it’s also a place to pursue your passions, boost your career, and learn something new.

Look to Twitter for career advice and job hunts; chase down information about your interests, whether that’s photography, interior design, “Downton Abbey,” birding or the environment; follow organizations, such as art museums, linguistic associations, or pro basketball teams; and stay up to date on celebrities and favorite writers.

Twitter also is terrific for vacation planning, since it’s rich with information on destinations, deals, and group tours.

If you’ve not already done so, head over to Twitter and open an account. Learn more about common lingo, privacy, and how to use Twitter at:

Here are some categories to get you started. Keep in mind that these are the full addresses for accessing the information, but normally you’ll see Twitter handles referred to simply as @xyz or @abc.


Personal finance:

Housing, universal design:

Aging, caregiving, health, quality of life:

Innovation and technology:


Aging well organizations, news:

Put Medicare Fears to Rest

There has been lots of media coverage about health care and about Medicare cuts that have sent a chill down many seniors’ spines.

If you’re among those concerned that doctors have opted out of Medicare and that you’ll be left with a dearth of options, some research by the Kaiser Family Foundation (KFF) may put your fears to rest.

The KFF issue brief looked at findings from patient surveys, physician surveys, published studies, and new physician data from Medicare to see whether Medicare recipients’ doctor choices and access to those professionals have shrunk.

Here are five key points. 1. On a national level, Medicare patients have good access to physicians, and 96% say they have a usual source of care, primarily a doctor’s office or doctor’s clinic are able to having to wait longer than they want for timely routine care appointments.

3. A small share of Medicare beneficiaries say they looked for a new physician in the past year, and only 2 percent of seniors with Medicare report problems finding one when needed—comparable to rates reported by privately insured adults age 50-64.

4. Physician survey data shows that 91% of non-pediatric physicians accept new Medicare patients.

5. Less than 1 percent of physicians in clinical practice have formally “opted-out” of the Medicare program, with psychiatrists accounting for the largest share (42%).

Take a look at the complete findings and charts at . Of particular interest may be the chart illustrating the state-by-state acceptance rate of Medicare patients.

IRS dirty dozen scams

In advance of tax day every year, the Internal Revenue Service (IRS) releases its “Dirty Dozen” list of tax-related scams.

This year’s list is out and it includes some of the usual suspects, such as phone scams, identity theft, phishing, tax preparer fraud, and phony charitable organizations.
Before you start doing your tax returns, protect yourself from heartache by reading about what scam artists are up to and ways to recognize their tricks.

Find the IRS document here:;-Identity-Theft,-Phone-Scams-Lead-List

Beware The Pitfalls of Reverse Mortgages

In an earlier post I wrote about Reverse Mortgages and their benefits. But they are not for everyone.

Here is an excerpt from the book “Reverse Mortgage Dangers,” from author Jim Anderson, and why he believes Reverse Mortgages can often do more harm than good to the borrowers.

The author “presently owns a mortgage refinancing company. His pet peeve is that seniors in particular are often taken advantage of financially by mortgage companies when discussing their home mortgage. He believes that reverse mortgages in particular are sold to seniors as the “best thing ever”, and are anything but. Risking his career to help seniors avoid making a costly mistake, Anderson wrote Reverse Mortgage Dangers as a daring warning. Seldom are senior citizens given all possible negatives of this “free no-risk money”, and told the many pitfalls they must seriously consider before signing anything. ‘Sometimes a reverse mortgage is a good idea, but most often it is not’, declares Anderson.”

In addition to consulting a tax advisor and real estate attorney before using a reverse mortgage, you may also want to read Anderson’s book. Click the book image above to purchase it.


Can You Buy A Home With A Reverse Mortgage?

I’m often asked if you can buy a home with a reverse mortgage

Many seniors take out a reverse mortgage to help them stay in their existing home, but you can also use a reverse mortgage to finance a new home.

There are many reasons to do this. One of the most common reasons is to move closer to family and a support network, as you age. Another common reason is to move from a  two-story home or condo to a one-story home without stairs, for mobility reasons.

So what, exactly, is a a reverse mortgage? A reverse mortgage is a Home Equity Conversion Mortgage or HECM, backed by a HUD government insurance plan that protects you, your heirs and the lender, in the event that your mortgage balance eventually exceeds your value.

The next question I’m asked is, “How is the loan repaid?” When the last remaining borrower moves out, the home is sold. The loan is then repaid (including interest and any fees) and the equity that is left over goes to your heirs. If your heirs choose to keep the house, because it’s gone up in value, or for other reasons, they may do so by paying off the loan.

Below are some of the BENEFITS of a reverse mortgage.

* You receive tax-free cash (consult with your tax professional for details).
* You can do whatever you want with the money.
* You still own your home and it’s still in your name, not the banks, and you can live there as long as you like.
* You will have no monthly mortgage payments (Homeowners must continue to pay insurance, taxes and maintain the property and comply with the loan terms).
* You can pay off and eliminate your existing mortgage.

Below is a list of REQUIREMENTS of a reverse mortgages:

* You must be 62 or older.
* You must own your home and occupy it as a primary residence.
* You must attend a HECM counseling session prior to receiving a HECM loan.
* Proof of income and credit scores are not required. A reverse mortgage is based on the equity in your home.
* Your home must be FHA approved.
* Qualification is based on the youngest borrower on title.

Finally, how much does it cost to get a reverse mortgage?

In general, your costs will be the same as they would be if you were getting a traditional mortgage, which would include escrow fees, title fees , appraisal fees and mortgage insurance premium or MIP.

There are many reverse mortgage companies to choose from. Before deciding on a reverse mortgage, consult with your tax professional and or real estate attorney for details and advice.

Please contact me if you are planning to use a reverse mortgage to purchase a home. I would be happy to help you find your 55+ dream home, at a dream price.