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Dawn Sells San Diego
Archive for the ‘Coronado’ Category
Wednesday, November 18th, 2009
 San Diego Real Estate Blog
IB Pet in Imperial Beach San Diego is the only place I go to for pet supplies including dog and cat food, dog and cat toys, dog beds and everything else for all of my pet needs. I recommend IB Pet because I’m a big fan of customer service and that’s what I get at IB Pet. They’re located right off of Palm Avenue in Imperial Beach and easy to get to from anywhere in South Bay San Diego including Chula Vista and Coronado Island. I would even drive to IB Pet if I lived in Escondido or Oceanside. It’s worth it.
Lori and Russell Blauert are the owners of this Imperial Beach Pet Store and I want you to check them out next time you need pet supplies or just some great advice.
This is their goal off of the IB Pet Web Site:
Our goal is to help educate our customers in proper nutrition, care and an overall healthy lifestyle for their pets. Through our carefully selected canine and feline diets, your companion can enjoy meals like those nature intended. In addition, we carry a full line of innovative pet care products - leashes, collars, toys, beds, grooming supplies and more!
I know Lori and Russ personally and I think you will like what they have to offer. Check out IB Pet. Mike Lewis.
Check out the IB Pet Website
IB Pet, 600 Palm Ave, Imperial Beach, CA 91932
Phone: 619-822-1610 fax: 619-429-4000 email: lori@ibpet.net
If you need help buying or selling a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
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All Information is believed to be correct but not guaranteed.
Posted in National City, Imperial Beach, Bonita, Otay Mesa, Paradise Hills, Ocean View Hills, San Diego Real Estate Blog, San Ysidro, Downtown, Coronado, EastLake, Chula Vista, South Bay, Otay Ranch, Rolling Hills, Windingwalk, Sunbow, San Miguel Ranch, Blogroll | 2 Comments »
Thursday, November 12th, 2009
 San Diego Real Estate Blog
2010 San Diego Real Estate Market
I know it’s still 2009 November and it might be a little early for 2010 San Diego Real Estate Market predictions but I think I’ll give it a shot. 2010 in the San Diego Real Estate Market should show more foreclosures than we had in 2009. In 2009 many foreclosures were held off of the market due to the moratoriums. Now that many of the foreclosure moratoriums are lifted the banks are gearing up to get the REO’s off of their books. 2010 in San Diego and many parts of the country will be known as the year of the “Last of the Foreclosure Market”. There will be more foreclosures after 2010 into 2011, 2012 and 2013 but 2010 will be the last big year for foreclosures.
There will still be more short sales and some banks are moving faster on them. There’s lots of talk about the short sales being streamlined and moving through the system faster. In 2010 it might just be a lot of false hope in this area. I hope I’m wrong and we see the short sales as a whole (not just select banks) move through the system fast and to a sale but it might just be a lot of hype. Systems like REOTrans are setting up to do short sales but I’ll believe the push towards short sales over foreclosures by the banks when I see it.
For homebuyers in 2010 it should be a delight with more inventory coming into the San Diego Real Estate Market. In some price ranges like the lower end first time home buyer prices under $400,000 there still will be a fight with other buyers to get the homes. There are way too many buyers and investors in the under $400,000 range in many areas of San Diego County that will keep this price range in very short supply in 2010. The upper end in non-coastal areas will still slide a little lower in 2010. We’ll see how this worked out in 2011.
If you need help buying or selling a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
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All Information is believed to be correct but not guaranteed.
Posted in Normal Heights, Mission Valley, Mission Hills, North Park, Tierrasanta, National City, Imperial Beach, Bonita, Logan Heights, Linda Vista, Point Loma, Old Town, Ocean Beach, Sorrento Valley, University City, East San Diego, Del Cerro, College Grove, Otay Mesa, Paradise Hills, San Diego Real Estate Blog, Santee, Rancho San Diego, San Diego Short Sales, San Diego Relocation, Ocean View Hills, San Diego Real Estate News, San Diego Market Report, Pine Valley, Lemon Grove, El Cajon, Alpine, San Ysidro, Jamul, Julian, Lakeside, La Mesa, La Jolla, Coronado, Sunbow, San Miguel Ranch, Rolling Hills, Windingwalk, San Diego New Homes, Cardiff, Pacific Beach, San Diego MLS, EastLake, Chula Vista, North County Inland, North County Coastal, San Diego Real Estate, Central Coastal, Central Inland, Carmel Valley, South Bay, East County, Carlsbad, Carmel Mountain, Rancho Penasquitos, Ramona, Poway, Rancho Santa Fe, San Marcos, Vista, Valley Center, Scripps Ranch, Mira Mesa, Fallbrook, Oceanside, Encinitas, Del Mar, Solana Beach, San Diego House Values, Escondido, 4s Ranch, Blogroll | 1 Comment »
Sunday, November 8th, 2009
San Diego Real Estate Blog
I just got finished watching an excellent report on Channel 10 News and I wanted to share it on my Blog because I think it’s worth watching. The show was a half hour and this is only one of the segments. It was very informative about San Diego real estate, auctions, loan modifications, and investment properties.
This story is called:
Builders Default On Land, Able To Buy It Back Cheaper At Auction
http://www.10news.com/video/21522316/index.html
Lauren Reynolds
10News I-Team Reporter
_____________________________________________________
If you need help buying or selling a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
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San DiegoListing Book
All Information is believed to be correct but not guaranteed.
Posted in Old Town, Del Cerro, Ocean Beach, Coronado, San Marcos, Logan Heights, Otay Mesa, San Diego Real Estate News, San Diego Real Estate Blog, Lemon Grove, La Mesa, Rancho Penasquitos, Fallbrook, Carmel Valley, Chula Vista, South Bay, Central Coastal, North County Inland, EastLake, Otay Ranch, 4s Ranch, Encinitas, Carlsbad, Pacific Beach, San Diego Real Estate | No Comments »
Wednesday, July 29th, 2009
 San Diego Real Estate Blog
I think “Making Home Affordable” the title and the name of the web site have it all wrong, it’s supposed to be “Buy a Home You Can Afford” but most things right now in the world are either upside down or just plain wrong.
I checked out the Obama led web site “Making Home Affordable”. The standard Homeowner’s HOPE Hotline mantra with the HOMES of HOPE 888-995-HOPE number in red to get you to call for urgent help. This government has hijacked the word HOPE from day one and probably won’t stop until they’ve moved on. Which is HOPEfully soon. Not that the next elected group of thugs and profiteers will do much better … I’d settle for doing nothing than the direction we’re heading now.
It was the HOPE of homeownership for many who should never have qualified for the loan that drew them into this burden that now is destroying their lives …. THE MORTGAGE PAYMENT. A HOPE fueled by GREED that lent money to anyone with a faint heartbeat with little regulation and little to  no verification of the homeowner’s real ability to pay it back after the ARM would readjust. Lenders were making money hand over fist and could sell the note quickly on Wall Street to a sea of buyers, so why should they care to verify or tighten up on their lending practices. Now the banks and mortgage holders are losing money hand over fist as taxpayer’s bailout them out as well as our government and their buddies…… hand over fist.
The printing presses ($100 machines) are rolling at the Department of Treasury and the money going in every direction imaginable except to where it needs to go. The cost “PAYBACK” is left to our children and their children and so on….. while the baby boomers will have their nest eggs refilled with government pork, $4,500 car buying credit and free healthcare. WHOOOOPI. One of the saddest parts of this whole mess is putting the burden of this generation’s foul-ups on the children and their children. Well I guess they’re doing what they like to do, borrow and spend and  expect someone else to pay or somehow get out of it. Their best answer is to pin it on the kids because they don’t have a voice, YET!
HOPE. I used to think HOPE was something like a wish, a dream that you wanted one day to be fulfilled, something in your life or in another’s life that would happen to bring joy into it. Now HOPE is a slogan, a word used by agenda pushers to play on people’s emotions and to get them to go in a specific direction. After all, who doesn’t want HOPE? Right?
Back to the web site …….
On the home page of this web site it asks
Are You Eligible? Please use the self-assessment tools provided on this websiteto see if you are among the 7 to 9 million homeowners who maybe able to benefit from Making Home Affordable.
Right below this is a “Find out if you are eligible” button.
The next web page will ask you to choose if you want to see if you are eligible for “Home Affordable Financing” or “Home Affordable Modification”. Select the one that best fits your desire.
Under “Home Affordable Financing” you have to answer YES to every question to be eligible. That means that you own a 1 -4 unit home, your loan is with Fannie Mae or Freddie Mac, your current on your mortgage payments and “the kicker”- you believe that the amount you owe on your first mortgage is about the same or less than the current value of your house. Remember that last question asked about first mortgage only, not first and second. If you answered yes to all of these cross your fingers and toes and HOPE.
Under “Home Affordable Modification” you also have to answer YES to every question to be eligible. That means your home is your primary residence, the amount you owe on your first mortgage is equal to or less than $729,750, you’re having trouble paying your mortgage, you got your current mortgage  before January 1, 2009, and your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner’s association dues, if applicable) more than 31% of your current gross income? HOPEfully you can answer YES to all of the questions and then there’s HOPE.
I don’t want to give a sense of false HOPE to troubled homeowners so I want to be clear about this. Please try and use this web site to see if they can help you. From what I have seen in the San Diego area including Chula Vista is that most homeowners that purchased a home in the past 1-4 years can’t truly answer YES to all of the questions in either category. The ones that can are still only eligible for the Making Home Affordable program.
Most of the homes in many neighborhoods in San Diego County are short sales. This means that there was no loan refinancing or loan modification for the homeowner that allowed them to successfully stay in their home. If there was they would not be short selling the home, and many are short selling their homes and condos. Some truly just didn’t try, shame on them. Most are just way upside down in property value and can’t make the monthly payments since the ARM readjustment or loss of job.
Its simple math, let me show you;
Paid $800,000 for home … worth $500,000 – why do I want this home?
or
Monthly income $5,000…. house payment jumped to $4,900 – need to eat!
These short sale listings will either be sold short or be taken back by the bank through a foreclosure  and end up on the market as a Bank Owned REO. I have spoken with many homeowners who just want to get out their homes or condos and just move on. They want to close that door in their lives and open the next one. The choice of keeping a home that has decreased in value 40% in 3 years and a monthly mortgage payment that is just not possible to pay is destroying families.
I have met many that have said “enough, I’ll take the credit hit and short sell my home or let the bank foreclose on it” and they have. I will always ask them if they contacted an attorney and a CPA to go over all of the ramifications of both. This is essential if the path of short sale or foreclosure is in any ones future.
I HOPE this review of the Making Home Affordable web site helps you.
http://www.makinghomeaffordable.gov/
If you need help buying or selling a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
San Diego REO Listing Agent
San Diego Real Estate San Diego MLS
San Diego Relocation San Diego Home Search by Map
San Diego Home Buyers San Diego Home Sellers
San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
All Information is believed to be correct but not guaranteed.
Posted in Bonita, Imperial Beach, National City, Otay Mesa, Mission Valley, Mission Hills, La Jolla, Sorrento Valley, Del Cerro, El Cajon, Jamul, San Diego Short Sales, San Diego Market Report, San Diego Real Estate News, San Diego Real Estate Blog, San Diego Foreclosures, Lemon Grove, Rancho San Diego, Spring Valley, Coronado, Clairemont Mesa, South Bay, Carmel Valley, Chula Vista, Otay Ranch, East County, Central Inland, San Diego Real Estate, North County Coastal, Central Coastal, Rolling Hills, Sunbow, Mira Mesa, Rancho Penasquitos, Vista, San Diego House Values, Solana Beach, Pacific Beach, Carlsbad, Carmel Mountain, Blogroll | 2 Comments »
Thursday, July 2nd, 2009
San Diego Real Estate Blog
San Diego Realtors Conference and Expo 2009
The annual Realtors Conference and Expo will be held in my town, San Diego California. San Diego couldn’t have been a better choice for the 2009 Realtor Conference. Who wouldn’t want to come to San Diego anyway? Now Realtors in other parts of the country will truly understand why San Diego is America’s Finest City. And why real estate in San Diego is priceless. The event is being held at the San Diego Convention Center in Downtown San Diego from November 13 – 16. Some of the guest speakers are Condoleezza Rice, Sugar Ray Leonard and Reba McEntire. Our great city will be gracious to all Realtors throughout the country coming to San Diego to experience this great event and the finest city in America.
Info from Realtor.org about the San Diego Real Estate Event.
THE 2009 REALTORS® CONFERENCE & EXPO
Chart your winning course through today’s turbulent economy!
The 2009 REALTORS® Conference & Expo delivers money-making strategies to help you succeed. 
Four days of intensive training from real-world speakers in top-rated sessions.
Substantive programs for everyone who makes their living in real estate – brokers, agents, commercial practitioners, property managers, international specialists, and IT professionals.
Watch this week’s tip from a 2009 Conference speaker!
Sail confidently through troubled waters!
REALTORS® Expo has new ideas, products, and services to increase your productivity.
Ask questions, compare features and strike your best deal with 500 exhibitors, all under one roof.
Learn about opportunities to expand your market working with immigrants, foreign investors, and Americans buying property abroad.
Be part of a winning crew!
Network with the most successful real estate professionals in the country.
Build your referral network and increase sales opportunities.
A boat load of fun!
First REALTORS® Conference & Expo in San Diego!
Enjoy a wide-range of Conference special events, including the REALTORS® Celebrity Concert starring Reba McEntire.
Combine business and fun — the Convention Center is right on beautiful San Diego Bay and in the center of nightlife, shopping, and dining!
Make sure you don’t miss out. See you in San Diego!
If you need help buying a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
San Diego REO Listing Agent
San Diego Real Estate San Diego MLS
San Diego Relocation San Diego Home Search by Map
San Diego Home Buyers San Diego Home Sellers
San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
All Information is believed to be correct but not guaranteed.
Posted in Coronado, Poway, 4s Ranch, Downtown, North Park, San Diego Real Estate News, San Diego Real Estate Blog, Rancho San Diego, Solana Beach, Del Mar, Central Coastal, North County Coastal, San Diego Real Estate, Central Inland, South Bay, Carlsbad, Chula Vista, Carmel Valley, Blogroll | No Comments »
Friday, May 8th, 2009
San Diego Real Estate Blog
May 2009 - The Mortgage Reform and Anti Predatory Lending Act HR1728 passed on Thursday May 7, 2009. The House of Representatives passed the bill by a vote of 300 to 114 and is said to protect homeowners from questionable and predatory lending practices that were partially responsible for the record home foreclosures and financial crisis.
This Mortgage Reform and Anti Predatory Lending Act sets up rules to ensure that lenders make loans that mortgage borrowers can afford to pay back. The act also bans prepayment penalties on ARMs Adjustable Rate Mortgages that are the real culprit loans in the foreclosure mess. This bill will also hold accountable the secondary mortgage market for following the same rules. One lawmaker said, “The message is simple. Lenders can’t give loans to people who can’t afford them. And borrowers have to tell the truth about their finances when they apply for a loan.” Not to be disagreeing with the administration of hope but isn’t this just common sense?
Nancy Pelosi the Democratic House Speaker said, “The simple fact is that our laws and  enforcement efforts did not keep pace with the complexities of a global economy and a financial industry where the greed of some trumped common sense. Insisting on responsible borrowing and lending and ensuring that borrowers enter into mortgages they can repay or refinance will help families protect their most valuable asset — their home — and guard against another financial and housing market meltdown.” I would have to ask Nancy why she didn’t do something about it, she was a lawmaker at the time and there were many economists warning the government about this.
Many San Diego home owners and potential home buyers know the facts about the San Diego housing market and its foreclosure mess. This act, although very important for protecting potential home buyers when getting a mortgage comes in way too late. The damage is already done. I think if anyone dropped the ball it was the U.S. Government and there lack of proper legislation to protect home buyers and the greed that’s within the system itself. Isn’t that what we elect them for? It’s very interesting to see where all of the elected officials got their campaign contributions, the banks and companies now getting all of our future tax dollars in the form of a so called bailout? What a joke.
If you need help buying a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
San Diego REO Listing Agent
San Diego Real Estate San Diego MLS
San Diego Relocation San Diego Home Search by Map
San Diego Home Buyers San Diego Home Sellers
San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
All Information is believed to be correct but not guaranteed.
Posted in East San Diego, Mission Hills, University City, Sorrento Valley, Coronado, Downtown, National City, El Cajon, San Diego Market Report, San Diego Real Estate News, San Diego Real Estate Blog, San Diego Foreclosures, La Mesa, Clairemont Mesa, Scripps Ranch, South Bay, Carmel Valley, East County, Central Coastal, San Diego Real Estate, Chula Vista, EastLake, Rancho Bernardo, Rancho Penasquitos, San Diego House Values, Solana Beach, Carlsbad, Blogroll | 1 Comment »
Wednesday, March 11th, 2009
 San Diego Real Estate Blog
The San Diego Housing Commission or SDHC has several home buyer assistance programs for San Diego home buyers. Some of the different home buyer assistance programs include deferred loans, grants for down payments and closing costs, tax credits, and opportunities to purchase homes at below market rate prices. This San Diego home buyer assistance program allow a home buyer to purchase a home anywhere in the City of San Diego. This means that the area must start with the Zip Code 921. This encompasses a huge area of San Diego and includes thousands of homes currently for sale.
Most of these home buyer assistance programs in San Diego are for first time home buyers except for the For Sale Affordable Homes Program. A San Diego First Time Home Buyer is defined as a buyer that has not owned any real estate in the previous 3 years. There are also maximum purchase price limits and area median income restrictions as well.
Some of the programs are:
* 3% Interest Deferred Loan
* Grants for Down Payments and Closing Costs
* Mortgage Credit Certificates (MCC). Can be used for San Diego bank owned properties.
* For Sale Affordable Homes
For more information on the San Diego Home Buyer Assistance Programs please visit the San Diego Housing Commission Web Site. http://www.sdhc.org/hafirstimebuyer1.shtml
Also Visit:
California $10,000 New Home Tax Credit
$8,000 First Time Home Buyer Tax Credit
If you need help buying a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
San Diego REO Listing Agent
San Diego Real Estate San Diego MLS
San Diego Relocation San Diego Home Search by Map
San Diego Home Buyers San Diego Home Sellers
San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
All Information is believed to be correct but not guaranteed.
Posted in Mission Hills, Mission Valley, Logan Heights, Linda Vista, Del Cerro, East San Diego, Normal Heights, North Park, San Diego Market Report, San Diego Real Estate News, San Diego Real Estate Blog, San Diego Foreclosures, Tierrasanta, College Grove, University City, Bay Park, Clairemont Mesa, Pacific Beach, Central Inland, San Diego Real Estate, Central Coastal, Coronado, Downtown, Point Loma, Sorrento Valley, Old Town, Ocean Beach, La Jolla, Blogroll | 1 Comment »
Sunday, March 8th, 2009
 San Diego Real Estate Blog
This $10,000 tax credit in the state of California only applies to homes that have never been occupied and purchased between the dates of March 1, 2009 and March 1, 2010. The California home buyers must also reside in the home as their primary residence for at least 2 years from close of escrow.
A qualified home buyer is:
A taxpayer who purchases a single-family residence, whether detached or attached, that has never been occupied, that is purchased to be the principal residence of the taxpayer for a minimum of two years, and that is eligible for the homeowner’s exemption under California Revenue and Taxation Code Section 218.
A qualified principal residence – new home is:
-A qualified principal residence means a single-family residence, whether detached or attached, that has never been occupied and is purchased to be the principal residence of the taxpayer for a minimum of two years and is eligible for the property tax homeowner’s exemption.
- Types of residence: Any of the following can qualify if it is your principal residence and is subject to property tax, whether real or personal property: a single family residence, a condominium, a unit in a cooperative project, a houseboat, a manufactured home, or a mobile home.
- Owner-built property: A home constructed by an owner -taxpayer is not eligible for the New Home Credit because the home has not been “purchased.”
The State of California has set aside $100,000,000 in tax credits for new home buyers. This program is on a first come first serve basis and once the allocated new home tax credit money is gone it’s over. Make sure if your California real estate agent is unfamiliar with this tax credit you let them know about it. You should also contact your accountant. Some details include that the tax credit amount is equal to either five percent of the purchase price or $10,000, whichever is less. Taxpayers must apply the total tax credit in equal parts over 3 successive taxable years which is a maximum of $3,333 per year beginning with the taxable year of when the new home is purchased. This can also be used in addition to the $8,000 First Time Home Buyer Tax Credit in the Stimulus Package.
If you are interested in applying you will need to:
- Do the following within 7 days of close of escrow on your New California Home.
- The seller must complete Part I of Form 3528-A which is the Application for New Home Credit and certifying that the home has never been occupied as well as provide a copy to the buyer or escrow person.
- The buyer will complete Parts II & III of Form 3528-A.
- The escrow person on behalf of the seller and buyer will fax the completed Form 3528-A to FTB at 916.845.9754, and provide a copy to the buyer.
- Fax is the only delivery method that will be accepted and considered for credit allocation by FTB, as the date and time stamp on the fax will determine the order in which credits are allocated.
- Fax only one completed application per residence with all qualified buyers listed. Do not include information on nonqualified buyers. An incomplete application may delay or prevent credit allocation.
- Do not fax the application to FTB before escrow closes.
- Do not fax the application to FTB more than once. We will process the applications in the order received as quickly as possible.
- Escrow companies should only send one application per fax transmission.
- The buyer keeps a copy of the completed Form 3528-A for their records.
- The State of California Franchise Tax Board will have a fill able Form 3528-A online soon. In the meantime, if you fill out the form by hand, please print numbers as clearly and neatly as possible using CAPITAL LETTERS and staying between the lines. The faxes can be very hard to read.
For more information please visit the State of California Franchise Tax Board link.
If you need help buying a home or condo in the San Diego area make sure you contact us we’re your San Diego Realtor.
San Diego Foreclosures
San Diego REO Listing Agent
San Diego Real Estate San Diego MLS
San Diego Relocation San Diego Home Search by Map
San Diego Home Buyers San Diego Home Sellers
San Diego House Values Local Real Estate Information
San Diego Real Estate Blog San Diego Short Sales
San Diego Foreclosures San Diego Green Homes
All Information is believed to be correct but not guaranteed.
Posted in Downtown, Del Cerro, Mission Hills, Mission Valley, Coronado, Clairemont Mesa, Poway, San Marcos, Vista, Normal Heights, North Park, San Diego Market Report, San Diego Real Estate News, Ocean View Hills, San Diego Real Estate Blog, Spring Valley, Imperial Beach, La Mesa, Santee, Mira Mesa, 4s Ranch, East County, South Bay, Carmel Valley, Central Inland, Central Coastal, San Diego Real Estate, North County Coastal, North County Inland, Chula Vista, Otay Ranch, Encinitas, Oceanside, San Diego House Values, Carlsbad, San Diego New Homes, Rolling Hills, Sunbow, Windingwalk, Blogroll | 4 Comments »
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San Diego Real Estate Blog
