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Realtor Sharon Johnson

Elevate Your Lifestyle in Southern California Wine Country

Sharon Johnson

ABOUT

Sharon Johnson

Deeply rooted in the Temecula Valley for nearly 40 years, my family and I have witnessed its transformation and growth. Having been in the real estate industry since 1988, I've garnered vast expertise in this domain, stepping out to become a prominent Real Estate professional in the area.

My real estate knowledge, expertise, and expert-level negotiation skills get my clients the best deals when buying or selling their properties. I understand real estate at a very high level and will always fight for what is best for my clients.

I love all of the Temecula Valley, but I especially love wine country and the large equestrian and estate properties there and in the surrounding areas of Fallbrook, De Luz, Tenaja & La Cresta.

No matter what size home you want to buy or sell, I have the experience and the expertise to get the job done.

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real estate services

Single Family Homes

We pride ourselves in taking the extra time required to understand buyers and sellers’ need.

Wine Country Properties

Looking for a home in Wine Country or maybe a winery? Search all Wine Country properties here.

Equestrian Properties

The Temecula Valley has some of the best equestrian properties with plenty of room for your beloved horses.

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Residential Properties

Home Valuation

A property valuation is an assessment of your property’s value, based on the location, condition and multiple other factors.

Mortgage Calculator

Mortgage calculators are automated tools that enable users to determine the financial implications of changes in one or more variables arrangement.

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Communities

Anchorage

Anchorage

Eagle River

Eagle River

Chugiak

Chugiak

Wasilla

Wasilla

Palmer

Palmer

What You Looking

Let's Help You

Buying A Home?

Buying your first home should be a rewarding and exciting time in your life, and one that you look back on with fond memories.

Selling A Home?

If you’re selling your home right now, or thinking about doing it soon, you should know that today’s housing market is unlike anything.

What My

Clients Say

I was referred to Sharon by a client of mine in the Temecula Valley. Being a first time home buyer, I needed an agent to walk me through the process.

I was also moving from LA and had no knowledge of the area, but Sharon knows the valley inside and out!

I can't speak highly enough about her. Professional, knowledgeable, friendly, punctual. A perfect experience. Also, she found me the perfect home at a wonderful price

Jill Maguire

Winchester, CA

Sharon is professional, available, caring and a joy to be around. She has spent countless hours with me and my family answering questions, educating us with her vast knowledge with the industry.

Her husband and she are sweethearts and so genuine. Great experience with this woman, and she follows up and has a great memory and you really feel that she is treating you like family not like another CLIENT! Love her and her and her team have been nothing but above and beyond AMAZING! Go Sharon, you ROCK and thank you again for everything you have done for us!

Happy Client

Murrieta, CA

I am so very grateful that we selected Sharon as our realtor when we needed to sell our home several years ago. She has been someone that we found we can rely on to be fair and honest in all dealings.

If we ever needed a resource or information, Sharon was the one we turned to first and never needed to look elsewhere.

Sharon is a top notch agent and we wouldn't hesitate to recommend her to anyone looking to buy or sell, especially in the Temecula area! She was wonderful at negotiating with the selling agent and helped us find the perfect home for our family.

Julie

Temecula, CA

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Frequently Asked Questions

Why do you need a Realtor?

When buying or selling a home, there are so many options…which can also present a lot of obstacles. Laws change, forms change, and practices change all the time in the real estate industry. Because it’s our job to stay on top of those things, hiring a realtor reduces risk, and can also save you a lot of money in the long run.

When you work with me as your Realtor, you’re getting an expert who knows the area; knows how to skillfully guide your experience as a seller or buyer; can easily spot the difference between a good deal and a great deal. My job is to translate your dream into a real estate reality, and I work hard to earn and keep my business. This also means earning your trust: When you work with me, you’ll be working with a realtor who looks out for your best interests and is invested in your goals.

Which loan should you choose?

There are two different types of loans conventional loans and government-backed loans. The main difference is who insures these loans:

1 - Government-backed loans (FHA, VA and USDA):

(a) - Are, unsurprisingly, backed by the government.

(b) - Include FHA loans, VA loans, and USDA loans.

(c) - Make up less than 40 percent of the home loans generated in the U.S. each year.

2 - Conventional loans

(a) - Are not backed by the government.

(b) - Include conforming and non-conforming loans (such as jumbo loans).

(c) - Make up more than 60 percent of the loans generated in the U.S. each year.

What is the difference between FHA, VA and USDA loans?

1 - FHA LOANS:

FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment of as little as 3.5 percent and a credit score as low as 580.

FHA loans are often called “helper loans,” because they give a leg up to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits, which are determined based on housing values for the county where the for-sale home is located.

Because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.

2 - VA LOANS:

VA loans are backed by the Department of Veterans Affairs and they are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.

Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.

3 - USDA LOANS:

You may also hear about USDA loans, which are backed by the United States Department of Agriculture mortgage program. USDA loans are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.

What’s a conventional loan? Understanding what it means to be conforming and non-conforming

Buyers who have a more established credit history and a larger down payment may prefer to apply for a conventional loan. These loans may offer a lower interest rate and only require the home buyer to purchase monthly mortgage insurance while the loan-to-value ratio is above a certain percentage, so a conventional loan borrower can typically save money in the long run.

Conventional loans are divided into two types: Conforming loans and non-conforming loans.

1 - CONFORMING LOANS:

Conforming loans are those that meet (or conform to) predetermined standards set by Fannie Mae and Freddie Mac — two government-sponsored institutions that buy and sell mortgages on the secondary market. By selling the loans to "Fannie and Freddie," lenders can free up their capital and return to issue more mortgages than if they had to personally back every loan that they approve.

The main standard for conforming loans is that the amount borrowed must be under a certain amount; in Alaska, a single-family home loan must be under $647,200 in order to be considered conforming.

Properties with more than one unit have higher limits.

2 - NON-CONFORMING (JUMBO) LOANS:

But what happens if a borrower wants to borrow more than the Freddie- and Fannie-approved loan amount? In this case, they would have to apply for a “jumbo loan,” which is the most common type of non-conforming loan.

Because the lender cannot resell the jumbo loan (or any non-conforming loan) to Freddie Mac or Fannie Mae, jumbo loans are considered to be riskier than a conforming loan. To protect against this risk, the bank will typically require a higher down payment; the interest rate on a jumbo loan may also be higher than if the same borrower applied for a conforming loan.

What kind of rate should you choose?

Rate types: Fixed-rate vs. adjustable-rate mortgages.

In addition to the loan type you choose, you’ll also have to determine if you want a fixed-rate mortgage or an adjustable-rate mortgage (ARM). A fixed-rate mortgage has an interest rate that does not change for the life of the loan, so it provides predictable monthly payments of principal and interest.

An adjustable-rate mortgage typically offers an initial introductory period with a low-interest rate. Once this period is over, the interest rate adjusts periodically, based on the market index. The initial interest rate on an ARM can sometimes be locked in for different periods, such as one, three, five, seven, or 10 years. Once the introductory period is over, the interest rate typically readjusts annually.

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