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  • Kelly Marugg

    Sell With Kell!

    DRE 01466477

    Being a top producing Agent for United Real Estate San Diego is about dedication to my clients needs and anticipating how to serve them with the highest standard of excellence . Have you ever seen Undercover Boss? That's us. United Real Estate has thousands of Agents nationwide working to get your home sold! I Pride myself on being highly ethical for all buyers and sellers no matter which side I am representing. I will work hard to get you the most from your listing or the best price on buying your dream home but I will never be dishonest to get your business. I can still do the best for you with honesty and ethics.
    Unlike some of the Realtors on Zillow, I am involved in every aspect of your transaction. After growing up in Ramona, graduating from UCSD and becoming a Biochemist, I realized my calling was in serving my community as a Realtor so I made a complete life change to real estate over a decade ago. 

    "We are 100% Owned & Operated By A Firefighter Family"

    I am the wife of a Fire Chief and the mother of 2 girls. I know how important your family is to you. I have dedicated my career to guiding you through this process to create the home life you have always dreamed about.

    I founded "HOME 4 A HERO PROGRAM" and I am proud to be the only Realtor offering it to my clients. My Hero Clients (Military, Vets, 1st Responders, Civil Servants, Teachers) will receive up to $7000 back when you buy or sell with me. If you are not in the HERO category, you can still receive a $250 Visa GIFT CARD just for buying or selling with me and mentioning this promotion. I also donate a portion of each sale to a non-profit organization I founded, "First Responders Endowed Kinship". All proceeds raised through this non-profit will go to help First Responders when they've had trouble on their homefront.

    We will support you using any lender you feel comfortable with and will work with them to get your home closed on time. If you don't currently have a lender, I recommend an incredible lending team, run by Ali Nayab. I haven't seen anyone beat his customer service and he can close a loan in as little as 9-15 days. The big banks can't compare to him. VA, FHA, conventional, re-fis, he does it all! They even offer a no money down option and you don't have to be a Veteran to qualify.

    I am proud to have the best agents in the business on my team. Willie is an expert in flips and working with my VA buyers and Bianca specializes in my Rancho San Diego market.  My Executive Coordinator, Shawna, keeps us all organized and ensures we meet and exceed your expectations.  I oversee every aspect of your home sale or purchase and we all ensure you have the best service in the Real Estate Industry.

    My entire team is focused on you, your home and getting you the most value for your money. Don't be fooled by going with an agent that looks at you like another sale. Some of the teams & groups are only focused on increasing their numbers. I want to earn your business and appreciate it!
    Everything I have done in my business is to make my clients feel as if they are the only client I have.

    I also have vast experience in VA and FHA and know that many buyers do not have 20% to put down. There are many options for you to purchase your home with little or no money down. Let's talk and discuss what works for you.

    Being a top producing Agent for United Real Estate San Diego is about dedication to my clients needs and anticipating how to serve them with the highest standard of excellence . Have you ever seen Undercover Boss? That's us. United Real Estate has thousands of Agents nationwide working to get your home sold! I Pride myself on being highly ethical for all buyers and sellers no matter which side I am representing. I will work hard to get you the most from your listing or the best price on buying your dream home but I will never be dishonest to get your business. I can still do the best for you with honesty and ethics.
    Unlike some of the Realtors on Zillow, I am involved in every aspect of your transaction. After growing up in Ramona, graduating from UCSD and becoming a Biochemist, I realized my calling was in serving my community as a Realtor so I made a complete life change to real estate over a decade ago.

    "We are 100% Owned & Operated By A Firefighter Family"

    I am the wife of a Fire Chief and the mother of 2 girls. I know how important your family is to you. I have dedicated my career to guiding you through this process to create the home life you have always dreamed about.

    I founded "HOME 4 A HERO PROGRAM" and I am proud to be the only Realtor offering it to our Zillow clients. My Hero Clients (Military, Vets, 1st Responders, Civil Servants, Teachers) will receive up to $7000 back when you buy or sell with me. If you are not in the HERO category, you can still receive a $250 Visa GIFT CARD just for buying or selling with me and mentioning Zillow. I also donate a portion of each sale to a non-profit organization I founded, "First Responders Endowed Kinship". All proceeds raised through this non-profit will go to help First Responders when they've had trouble on their homefront.


    We will support you using any lender you feel comfortable with and will work with them to get your home closed on time. If you don't currently have a lender, I recommend an incredible lending team, run by Ali Nayab. I haven't seen anyone beat his customer service and he can close a loan in as little as 9 days. The big banks can't compare to him. VA, FHA, conventional, re-fis, he does it all! They even offer a no money down option and you don't have to be a Veteran to qualify.

    I am proud to have the best agents in the business on my team. Willie is an expert in flips and working with my VA buyers and Bianca specializes in my Rancho San Diego market. I oversee every aspect of your home sale or purchase and we all ensure you have the best service in the Real Estate Industry.

    My entire team is focused on you, your home and getting you the most value for your money. Don't be fooled by going with an agent that looks at you like another sale. Some of the teams & groups are only focused on increasing their numbers. I want to earn your business and appreciate it!
    Everything I have done in my business is to make my clients feel as if they are the only client I have.

    I also have vast experience in VA and FHA and know that many buyers do not have 20% to put down. There are many options for you to purchase your home with little or no money down. Let's talk and discuss what works for you.

    HAPPY CLIENTS are my SPECIALTY!

    Proudly serving San Diego for over a decade!

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    • 2212 LA CALLECITA SAN DIEGO, CA 2212 LA CALLECITA, SAN DIEGO, CA Single Family | Detached for sale. $1,875,000 Price reduced from $1,925,000 (-$50,000)
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    City or Township Kansas City, MO
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  • News

    CHANGE IS HERE, OR IS IT?  WATCH THESE 4 “I’s”    

    Has it actually arrived?  Is this the correction in the market we’ve been expecting?   

    People have been predicting the end of our increasing home prices for a couple of years now.  Everyone is watching for a major sign, the one thing that will signify the end of this amazing growth in real estate.  The truth is it’s not just one thing that will impact the real estate market, but rather a variety of factors.    

    At the same time, each single factor, or variable, can impact the market.  Here are four variables for you to watch.   

    1. Interest rates.  Probably the one change that will have the biggest impact on our housing market is interest rates.  We saw a healthy ½ percent change in the first quarter of the year.  What is the impact?  Some buyers are now priced out of the market.  Fewer buyers mean price increases will slow.  

    2. Inventory.  It’s going up a little.  Brand new homes have been completed, and we’re seeing more new home construction.  It’s about time, but the new homes will mean more existing homes coming on the market.  Increased inventory will decelerate the price climb.     

    3. Incomes.  Though you may not have seen a big change personally, incomes have gone up in the last year.  At the same time, so did housing and interest rates.  For example, a ½ percent change in the interest rate means the same loan balance will have a 6% higher payment.  Or said another way, the loan balance, and therefore the home price, would need to come down 6% to keep the monthly payment the same.  Even if incomes went up,  they didn’t increase enough to cover the increase in monthly payment.  Fewer buyers affording to buy means an impact on home prices.  

    4. Inflation.  The rate of inflation in the U.S. over the past year was 2.2%.  The next report of the Federal Government will be Wednesday, April 11th.  Let’s see what they say.  If it goes higher, the Federal Reserve will raise rates again.    

    Will we have a significant shift in the market?  It won't be anything like we had in 2007 and 2008.  The one rule I insist you follow is: DON’T PANIC!  Just watch.  Let’s see what happens.  If you have specific questions about the value of your home or just want more general information about our real estate market, please contact me at KellyMarugg@gmail.com.   

    Next month, I’m going to share some really exciting news about my company, United Real Estate San Diego.  Stay tuned!