Torrance CA real estate and homes for sale

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Realtor Spotlight – Meet Torrance Specialist Keith Kyle

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Contacting the right realtor shouldn’t be scary.  We’ve worked with countless buyers and sellers at all stages of the process….whether they’re ready to go or just want information…..we believe in earning our clients trust over time and assure you there is never pressure.

Buying and selling real estate in Torrance and South Bay is a very big deal. For many it may be one of the single biggest purchases in their lives.  That’s why you should have ultimate confidence in your realtor and why it’s so important to pick the right one for you.  Not only should your realtor be knowledgeable, but also professional, experienced, and a good communicator and negotiator.

  • About Torrance real estate specialist Keith Kyle – Meet this top producing Realtor and residential real estate specialist and find out if he would be the right fit for you.
  • About Vista Sotheby’s International Realty – One of the most reputable and successful real estate brokerages in the South Bay for over 20 years. Find out more about our offices and how we provide the very best real estate services
  • About Torrance – Find out all that this wonderful city can offer from great schools, to housing options, to recreation and activities
  • About Buying a home – Buying a home can be a major undertaking with much involved. Find out what online tools we offer to assist you, and find out how our highest levels of customer service can make the process far simpler and less stressful
  • About Selling your Redondo Beach home – Find you what you should look for in a listing agent and why working with a Redondo Beach local specialist can make a major difference.
  • Testimonials – Why take our word for it…find out what our past clients have said about us.

When buying or selling a home in Torrance, you have endless choices of which real estate agent to work with. As a long time resident of the area and a consistent top producing agent, I not only have an understanding of the neighborhoods and the real estate market, but I sincerely enjoy helping people find a home in the area.  You want to love where you live….and I certainly do.

Keith has been awarded “Year End Top Producer” with Vista Sotheby’s International every year since 2007.

Having lived in Hermosa for over 25 years with one child in the Hermosa school system and the other at Redondo Union, I am deeply involved with the community and think that it is one of the finest places to live imaginable.   I have long been a sponsor and business partner of the Hermosa Ed Foundation, Redondo Union and the Wiseburn Ed Foundation.

From award winning  schools, to charming and diverse neighborhoods, to dazzling beaches and nearly perfect weather, the South Bay has it all. I realize that you have endless choices when considering a local Realtor®, and hope that you will allow me to earn your business. My goal is not simply to sell houses, but earn clients for life.

Philosophy – Buying or selling your home is a tremendous event and shouldn’t be treated like buying a car. It is my goal to not only understand your housing goals, but to understand you and your motivation for wanting to make such a big decision.

A realtor should never “pressure” you to make a decision. I always have my client’s best interest in mind….not mine.

My goal is to have long term clients. Most realtors sell a house and simply move on to the next deal. I strive to have clients for life….friends that will gladly refer me to their friends, neighbors and family.

This is simply not a “transaction” to me. Your complete satisfaction, well beyond the close of escrow, is what I always strive for. Why take it from me…..hear what my past clients have to say.

Dedication – It is my sincerest goal to do everything possible to ensure total satisfaction. You will never work with an assistant or staff member but directly with me. In addition I am a full time realtor and have been one of the top producing realtors at South Bay Brokers and Vista Sotheby’s every year since 2007.

Expertise – with over 21 years in the South Bay, I can not only help with the local market and the key aspect of pricing, but can help with information about local schools, community events, city ordinances and building restrictions

Vista Sotheby’s International– With the merger of South Bay Brokers and Vista Sotheby’s the impeccable reputation of SBBI was combined with a global reach second to none.  I have the backing and support of the top company in the area with the ability to market and reach buyers around the world.

Keith Kyle


Top Producing Realtor
DRE# 01712785

310-251-2344 cell/text
Keith@KeithKyleHomes.com

 

Keith Kyle

Realtor, Top Producing Agent Since 2007

310.251.2344 (cell/text)
Keith@KeithKyleHomes.com
DRE# 01718725

South Bay Real Estate

 

State of Torrance Real Estate Market As We Head into 2020

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Welcome to our Torrance real estate update for the coming year.   2020 is looking to be another banner year for home sellers as the combination of seemingly endless demand and historically low interest rates means more people will be looking to purchase a home.

View the current homes for sale in Torrance California.

In general the real estate market seems to be slowing down heading into 2020 but for a very odd reason…..each month there are fewer homes hitting the market.  Fewer listings mean fewer home sales.  January saw a very slight uptick in the number of listings so we’re hopeful that is a trend that continues.  Other than that small bump in January, the number of homes for sale has dropped every month since May of 2019

According to Torrance realtor Keith Kyle, “It’s clear that the market is cooling off as there has been an increase in new listings coupled with fewer sales and homes going into escrow since summer.”  The chart above shows that the number of active listings has held pretty steady between 150 and 170 since summer, but the number of sold homes as well as new escrows has continued to decrease.  If this trend continues the market will shift more in favor of buyers and less in favor of sellers.  It’s clearly been a sellers market over the past few years.

The chart below shows the upward trend over the past few months with avarage “months of inventory” of unsold homes on the rise.

What Exactly Is Debt To Income Ratio

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One of the key items that a lender takes into consideration when you’re getting pre approved for a loan and during the underwriting process is your debt to income ratio. This tells the lender how much money you owe each month compared with your monthly income to come up with a ratio to determine how much of a risk you are to them.  This ratio comes from adding up all of your debts including mortgages, auto laons, student loans, credit card balances and any other debt you pay off each month to your pre-tax income each month. Lenders have different thresholds that they’ll allow so it’s always good to talk with several lenders.  If you’re not comfortable getting the process started we would be happy to give you several lenders that we’ve worked with and that have earned our trust.

How Buyers and Sellers Handle Home Inspection Challenges

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One of the more treacherous parts of an escrow is the home inspection and request for repairs.  Often times the buyer thinks that the home inspection is a “checklist” of what needs to be fixed while the seller either thinks their home is perfect or “it was just fine for us so why does the buyer need things that work fine upgraded or repaired”.  Finding middle ground isn’t always easy.

As the graphic below shows, 80% of home inspection reports show at least something needing to be fixed.  We always recommend to both our buyers and sellers to be reasonable.  On the buyer side stick to actual problems or repairs.  If it’s an issue that the buyer will have to immediately pay for to have repaired…it’s a reasonable request.  The biggest challenge items are either those called out as not up to current code, or items towards the end of their service life.  Buyers need to understand that the statement “not up to current building code” does not mean it’s necessarily problematic.  Codes change all of the time and unless it’s a clear safety issue, it’s usually best to stick with actual repairs.  Items at the end of their service life really depend on the item, the cost and how extensive the rest of the repair list.  We’ve found that asking for everything usually ends with the seller dismissing any repairs….even the reasonable ones.

Keith Kyle is a top producing realtor and Torrance real estate specialist with Vista Sotheby’s International Realty in the South Bay.  Contact Keith for more information on how the home inspection and escrow process works in Torrance real estate.

Info On Down Payments for Torrance Home Buyers

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One of the big misconceptions with home buyers, especially first time home buyers, is that you need at least 20% down.  That’s often not the case with lenders offering FHA loans with as little as 3.5% down and traditional lenders funding loans with as little at 5%.  The lower amount is much easier if it’s a single family home but there are options:

See the Homes That We Have Sold in Southern California

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By Keith Kyle

We are so fortunate to have worked with so many wonderful people and in such a great area.  It just doesn’t get much better.  See the map below to view all of our local home sales. Although we’ve sold more homes in Torrance and Redondo, we have been lucky enough to sell throughout the area, from Santa Monica to Huntington Beach. Many of these were first time buyers and are now happy homeowners. The red marks are home sales in which I represented the buyer, the orange marks represent homes that I listed, and the blue marks represent homes in which I represented both buyers and sellers.  Click on the marks to see pictures of the various homes and properties.

You can also see the interactive map of our South Bay home sales on Google.

Torrance Real Estate