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By N2H

Roberta Murphy, Real Estate Professional in San Diego County

San Marcos, CA Information (92078,92069)

San Marcos, California is one of the finest coastal communities in San Diego County. Located just miles from sandy beaches, it is a growing community with one university (Cal State San Marcos), Palomar Community College and many award winning elementary, junior high and high schools.

San Marcos offers a wide range of real estate options that might suit anyone from a retiree seeking a peaceful golf community, to first time home buyers to those wishing to move up to estate-sized custom homes.

Important Links for San Marcos, CA

Cal State San Marcos Information

San Marcos House Painting

San Diego County Private Schools�

Testimonials from Our Real Estate Clients


San Diego Fireworks for 4th of July 2009

San DIego Fireworks

San Diego Fireworks

Carlsbad, CA–The economy may be in the tank, but that won’t stop San Diego from celebrating the 4th of July, 2009 in grand fashion. Chula Vista has again put fireworks on hold because of city budget constraints, but the rest of San Diego (thanks in great part to civic fund raising) has found a way to light up the skies with brilliant displays this Independence Day.

What is the schedule for San Diego fireworks this year? Here’s our annual and updated list:

SAN DIEGO

Coronado: Glorietta Bay and Silver Strand
July 4, 9 p.m. Day-long festivities with a parade at 10 a.m. Also watch half-marathon and rough water swim!
(619) 437-8788.

La Jolla Cove
July 4, 9 p.m. Watch the fireworks from Scripps Park, La Jolla Cove, and La Jolla Shores Beach.
(858) 454-1444

Mira Mesa Recreation Center
July 4, 9 p.m. Food, rides, games and entertainment in Mira Mesa Community Park during the day.
(858) 538-8122.

Mission Bay Yacht Club
July 4, 9 p.m. 1251 Carmel Place, West Mission Bay. Watch boat parade, too!
(858) 488-0501.

Ocean Beach Pier
July 4, 9 p.m. Ocean Blvd and Newport Avenue.
(619) 226-8613.

Mission Bay: Paradise Point Resort
July 3 at 9 p.m. with all-you-can-eat Kansas style BBQ at 6 pm
(858) 274-4630.

USS Midway: July 4: Watch Big Bay Boom fireworks from the deck of the USS Midway. $12 Adults, $7 children. Deck opens at 6 p.m.

San Diego Big Bay
July 4, 9 p.m.
(858) 751-5755.

Mission Bay: Sea World
July 3 and 4, 9:30 p.m.
(800) 25-SHAMU.

EAST COUNTY

Julian:
July 4. SR 78 and SR 79: The party starts at 10:00 am, with parade at noon. No fireworks, though, because of East County fire hazards.

Lake Murray
July 4. Music Fest all afternoon, with fireworks starting at 9:15

Ramona
July 4. Olive Pierce Middle School on Hanson Lane, Celebratins start at 5 p.m. and fireworks at 9.

Spring Valley Park
July 4, 9 p.m.
(619) 479-1832

NORTH COUNTY

Aviara Four Seasons: After dark fireworks. Sit on La Costa or Aviara hillsides and enjoy the show from both resorts

San Marcos: Bradley Park
July 4, 9 p.m. Enjoy food and music all day long.
(760) 744-9000.

Vista: Brengle Terrace Park
July 4, 9 p.m. Festivities all day long. Bring picnic basket!
(760) 726-1340, ext. 1574.

Camp Pendleton: Del Mar Beach
July 4, 9 p.m. All day activities including music, food and games.
(760) 725-2313.

Escondido: Grape Day Park
July 4, 9 p.m. Afternoon festivities, including game and food booths, music, and more.
(760) 745-1159.

Carlsbad: Legoland
July 4, 8:30 p.m. included with admission
(760) 918-LEGO.

La Costa Resort and Spa
July 4, after dark with member food and entertainment prior. Watch for free from La Costa hillsides!
760-438-911

Oceanside Pier
July 4, 9 p.m. Part of the O’Fest All-Day Carnival. Park early and party/picnic all day!
(760) 967-2005.

Poway
July 4, 9 p.m. Old Poway Park, 14134 Midland Road. Free music and entertainment 10 to 4 p.m. Face painting, arts & crafts and patriotic displays at Heritage Museum. Carnival-type food, too. Cotton candy, anyone?

Ramona: Olive Pierce Middle School
July 4, 9 p.m. Grounds open at 5 p.m. for community picnic including food booths and games.
(760) 789-1311.

Rancho Bernardo
July 4, 9 p.m. in Webb Park, 11000 Avena Place. Pancake breakfast with parade that follows at 3:30.
(619) 889-8505.

Del Mar Fairgrounds
July 4, 9 p.m. included with admission. Navy Bank Southwest will perform at 7:30 p.m. on Heinekin Grandstand Stage and Smokey Robinson at 9:30 p.m.

(858) 755-1161.

Valley Center Community Center

Returns this year! Bring picnic or buy food from Lions Club. Live music and fireworks at 9. Open at 6 p.m. off Lilac Road. Free.
(760) 670-7062.

SOUTH BAY

Chula Vista: Bayside Park: Canceled again because of budget constraints.

National City: Kimball Park
July 4, 9 p.m. Carnival rides, games and yummy food booths.
(619) 336-4290.

by Roberta Murphy

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Huge Benefit for California First Time Home Buyers

by Roberta Murphy

Gift for San DIego FIrst Time Home Buyers

Gift for San Diego FIrst Time Home Buyers

The timing for California first time home buyers couldn’t be better!

Not only do they have the benefit of the $8000 federal tax credit–and up to $10,000 in California state tax credits if buying a new home–but they now have additional unemployment insurance if they purchase a home a home though a licensed California Realtor.

This letter just arrived from the California Association of Realtors. San Diego first time home buyers should rejoice:

I am very pleased to announce that this Thursday, April 2, C.A.R. will launch a new program designed to provide peace of mind to first-time buyers who are hesitant to enter the housing market due to concerns about potential job loss, and subsequently being unable to meet their monthly mortgage obligations.

Through the C.A.R. Housing Affordability Fund Mortgage Protection Program (C.A.R.H.A.F. MPP), first-time home buyers who lose their jobs due to layoffs may be eligible to receive up to $1,500 per month for up to six months to help make their mortgage payments. A qualified co-buyer also can participate in the program, for a reduced monthly benefit of $750 per month for up to six months in the event of a job loss. Program benefits also include coverage for accidental disability and a $10,000 death benefit. C.A.R.’s Housing Affordability Fund is dedicating $1 million to the program this year, and estimates that as many as 3,000 families will benefit from the program throughout 2009.

To qualify for the Mortgage Protection Program, applicants must:
. Be a first-time home buyer – someone who has not owned a home in the last three years
. Open escrow April 2, 2009, or later, and close on or before Dec. 31, 2009
. Use a California REALTOR® in the transaction
. Purchase the property in California
. Be a W-2 employee (cannot be self-employed or military personnel)

First-time home buyers must request an application for the H.A.F. Mortgage Protection Program from their REALTOR®. For applications and other information on this exciting new program, go to www.car.org/aboutus/hafmainpage/ or contact Monica Rodriguez at (213) 739-8380 or monicar@car.org.

The Mortgage Protection Program is a proactive approach by C.A.R. to address consumers’ concerns about the real estate market and their ability to make their mortgage payments should they loose their jobs. I encourage you to take full advantage of this new program by sharing information about the C.A.R.H.A.F. Mortgage Protection Program with your clients. There is no cost to either you or your clients to participate.

Sincerely,

James Liptak
2009 C.A.R. President

For additional information, call 877-818-8197–and start your San Diego home search today!

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New Homes in San Diego Come with a Bonus

by Roberta Murphy

aviara-real-estateYesterday afternoon, I was introducing various La Costa and Carlsbad area neighborhoods to a young relocating physician with a four year old son. The move won’t occur until this summer, but it’s not to early to become familiar with schools–and the homes available around them.

We drove through Aviara, all of La Costa, Rancho Carrillo–and San Elijo Hills, where builders are still building. The prices there were very competitive at just over $200 per square foot with landscaping and air conditioning included.

What may help tip the scale for this first-time home buyer is the $8000 tax credit being offered until August, 2009 by our federal government–as well as the newly-enacted SB15XX which as of March 1, 2009 allows for a California state income tax credit of up to $10,000, or 5 percent of the purchase price, whichever is less–for a newly-copnstructed and previously unoccupied home.

Additionally:

For additional information, read the California Building Industry Association release. Members of the CBIA are meeting with the Tax Franchise Board to iron out administrative details.

Finally, if you are interested in looking at new homes in the San Diego area, please feel free to give Mike (760-402-9102) or me (760-402-9101) a call and we’ll make arrangements to do so–and will have a more complete update on the tax credit.  Other powerful and negotiating new home specialists with San Diego Previews  include:

Eve Sieminski 760-518-2264
Cindy Webb  760-473-4795
Scott Murphy 760-613-6190
Andrea Johnston 760-419-6430

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A San Diego Wine Tasting Event

by Eve Sieminski

Wine Tasting at North County Wine Company

Wine Tasting at North County Wine Company

I am a San Diego real estate agent by trade, a wine follower by passion, and can’t resist sharing new wine finds on either San Diego Previews or, more commonly on our sister site Luxury Home Digest.  I also love travel, and what could make a better trip than one involving  California vineyards?

Last November, we went to Sonoma for their annual Russian River Wine Road (thanks to a tip from Twitter wine buddy Thea Dwelle aka @winebrat), where we visited a long list of must-stop wineries. One of those trips included Truett Hurst Winery located in Dry Creek Valley. We all really loved their wines–especially the Zinfandels, and I even purchased some of their futures.

Several weeks ago I bumped into Jim Morris, general manager for Truett Hurst, on that social media site Twitter. I immediately followed his upodates and complimented him on his winery and wines. He mentioned that he would be down in the San Diego area after Christmas visiting relatives, and would love to set up a wine tasting event for me and my grateful friends at the North County Wine Company in San Marcos.

Jim brought down five Truett Hurst wines for our group of 35-40 to taste:

2006 Red Rooster Zinfandel (a favorite with many)
2006 Rattler Rock Zinfandel (my personal favorite; jammy, fruity nose, lush, great finish!)
2006 Three Vineyards Zinfandel (complex, rich, with lovely finish–beautiful with roasted meats)
2006 Burning Man Petite Sirah (think Red Velvet; deep scarlet color, peppery fruit, rich, intense, a WOW!)
2005 Dessert Wine had a huge cheering section. Perfect with goat cheese dessert. One to savor….

Truet Hurst Vineyard is biodynamic and is working to become a self-sufficient biosystem.  Chickens, goats, cows, insect and vegetable gardens work together for a near-total organic experience.  Each of the vines in this earth-friendly vineyard even have a name!

Eve’s Wine Tip: After opening any bottle of wine (red, white, Champagne) be sure to recork it and store in the refrigerator to slow down the aging process.

dia zdrowia!

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Mortgage Trouble in San Diego? Beware the Scammers

by Roberta Murphy

Predatory Lending in San DiegoI am just now cooling down after spending a good part of this afternoon trying to help a San Diego area homeowner saddled with the unpleasant results of churned mortgages.

This particular property in rural San Marcos has been refinanced by the same lender with a total of nine loans over a couple of years. In one instance, only 28 days elapsed between refinancings. With total debt now approaching $2 million, this distraught owner is seeking a way to keep her home and not be forced to sell it.

Sometimes, keeping people in their San Diego homes is just part of our job–and one of the most rewarding ones.

But the ordeal got me thinking of all the scams surrounding (and invading) San Diego real estate. Mortgage scams certainly contributed to the rise in San Diego foreclosures and short sales, but it is the buzzards circling over and divebombing distressed homeowners that infuriates this Realtor.

Some of the current San Diego scams:

1. The mortgage buzzard persuades the distressed homeowner to sign over the deed to their San Diego home–and then offers to rent it back at a rate that may exceed the original mortgage payment. If the homeowner-turned-tenant falls behind, they are not only evicted but have also lost any equity they may have had in their property.

2. Beware of what you sign: Many homeowners have inadvertently signed over the deed to their San Diego real estate, believing they are simply signing mortgage documents. I have spoken with several homeowners who have been near-victims of this real estate scam.

3. Watch out for hefty upfront fees charged by those who offer to stop your San Diego foreclosure. All too often, these scammers generate lots of paperwork, get some signatures, collect a check (for up to three month’s payments)– and disappear. Far better to call a San Diego Realtor who can help negotiate with lenders on your behalf–and is paid only when and if your property actually sells or is leased.

If you have any questions about these scams, please feel free to give me a call at 760-402-9101 or contact me via this site. I’ll try to answer your questions.

PS: No offense intended to California vultures.

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