As a Native San Diegan, I have the benefit of knowing the neighborhoods that make up this beautiful County. I have seen the growths and changes over the years. I know each of the communitys lifestyles, school districts, and traffic challenges. I can make recommendations which support your lifestyle and price point.
If you are looking for San Diego Coastal property the towns of Del Mar, La Jolla, Solana Beach, Encinitas / Cardiff, Pacific Beach , Carlsbad / La Costa, Ocean Beach, Point Loma, and Coronado all have the Ocean in common and yet are each very different.
If you are looking for a San Diego home with a quiet lifestyle with possibly your own horses, yet not too far from the ocean, I would recommend homes in the Rancho Santa Fe, Fairbanks and Olivenhein areas. A bit further East from the ocean theres more affordable ranch properties in the Ramona, San Diego County Estates, and Poway.
And of course there are many other San Diego neighborhoods that we can explore until we find just the right home for you in the right neighborhood. Each with its own distinct qualities. Carmel Valley, Scripps Ranch, Rancho Penasquitos, Tierra Santa, UTC/University City, Clairemont, Mira Mesa, Rancho Bernardo, La Mesa, Mount Helix, Oceanside, Vista, .
I know everyone of these San Diego neighborhoods and would love nothing more than to help you find the perfect home in the neighborhood that would suit your family the best.
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August 16, 2009
Vocabulary Lesson!
Fannie Mae (Federal National Mortgage Association FNMA) - A New York Stock Exchange company and the largest non-bank financial services company in the world. It operates pursuant to a federal charter and is the nation's largest source of financing for home mortgages. It adds liquidity to the mortgage market by investing in home loans through the country.
August 8, 2009: New Housing program: M.P.P. "Mortgage Protection Program".
C.A.R. (California Association of Realtors) has approved 384 applications for its Mortgage Protection Program for first-time buyers
C.A.R.´s Housing Affordability Fund, provides up to $1,500 per month, for up to six months, to eligible first-time home buyers who lose their jobs due to layoffs. The funds are intended to help consumers make their mortgage payment obligations.
This program was developed to help consumers concerned about potential job loss and its impact on their ability to make their mortgage obligation.
The C.A.R.H.A.F. Mortgage Protection Program is scheduled to run through the end of 2009.
To apply for the program, home buyers must request an application for the C.A.R.H.A.F. Mortgage Protection Program from their Realtor
August 5, 2009
Vocabulary Lesson!
Vocabulary lesson! Biweekly Payment Loan - Is a loan that requires the borrower to pay twice monthly (instead of once a month). This allows the debt to be paid back much more quickly by reducing the interest owed. The result for the borrow is faster amortization leading to substancial interest savings from faster principal reduction.
July 30, 2009
Buyer's bought many foreclosed homes last month, marking the number of sold homes to its highest level in more than a year. Buyer's
Low prices in neighborhoods forced down by foreclosures and shortsales has been instrumental in bringing home prices down to a more palatable price point for first time buyers.
In addition to continued all time low interest rates, buyer's are strongly encouraged to jump off the fence and take advantage!
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