North San Diego County HomeDex 6-12

San Diego County HomeDex 6-12

Moving my new blog posts

Please read and make use of the many Blog posts on this Blog.
However, all my future posts will be on my main web sites.

"San Diego County Real Estate - General Blog"
visit: http://www.sandiegohomes4u.com/blog

"365 Things to do around Encinitas-Cardiff-Carlsbad"
visit: http://www.sandiegohomes4u.com/365-Encinitas_blog

"San Diego Short Sale-Foreclosure" /ShortSale-Foreclosure_blog
visit: http://www.sandiegohomes4u.com/ShortSale-Foreclosure_blog

"55+ San Diego Senior Communities"
visit: http://www.sandiegoseniorrealestate.com/blog

Thank you for reading and I look forward to posting valuable information for you to read. 
You can always call if you have any questions on any Real Estate subject.
 
Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Agent

Donna "Sunshine" Smith, SFR, Realtor® DRE# 01249837
Short Sale, Foreclosure Resource Certified

RE/MAX BY-THE-SEA
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.

dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225

See my main Web Site for more info and reports
http://www.sandiegohomes4u.com
Also Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
You can view all available San Diego area homes for sale.
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the North Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido and San Diego County

SB 931: no short sale deficiency judgements

SB 931: no short sale deficiency judgements in CA on first TD's

Until now, the laws allowed banks to pursue a homeowner following a short sale for the balance of the deficiency. Many of them did just that, 1 to 6 months after the closing...surprise! Not any more!

Beginning January 1st, 2011 any first mortgage lenders that accept a short sale will not be able to obtain a deficiency judgment against the seller on any FIRST TRUST DEED. This includes purchase money, hard money and refinanced loans.

SB 931 applies to one to four-unit dwellings, non-owner or owner-occupied.

If you have a second or third lien, it is very important that you get the lender to waive their deficiency rights in writing. Our team has had good success doing that for our clients. Please call with any questions or referrals for short sales. We would be glad to give a free consultation.

The legislative counsel's summary of the bill follows:

"This bill would prohibit a deficiency judgment under a note secured by a first deed of trust or first mortgage for a dwelling of not more than 4 units in any case in which the (owner) sells the dwelling for less than the remaining amount of the indebtedness due at the time of sale with the written consent of the holder of the first deed of trust or first mortgage. The bill would provide that written consent of the holder of the first deed of trust or first mortgage to that sale shall obligate that holder to accept the sale proceeds as full payment and to fully discharge the remaining amount of the indebtedness on the first deed of trust or first mortgage."

Of course, this is not tax or legal info so you should contact the appropriate professional before considering a Short Sale, loan modification, DIL or foreclosure.

See my Short Sale and Foreclosure Avoidance Web Site at
http://HAFAShortSaleConsultant.com/
for more information & free reports.




Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Agent

Donna "Sunshine" Smith, SFR, Realtor® DRE# 01249837
Short Sale, Foreclosure Resource Certified
RE/MAX BY-THE-SEA

Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225

See my main Web Site for more info and reports
http://www.sandiegohomes4u.com

Also Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!

You can view all available San Diego area homes for sale.
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the North Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido & San Diego County

 Dennis and Sunshine Smith of RE/MAX By-the-Sea are pleased to provide you with the

San Diego County Events Calendar - November 2010

Over 60 different events.

To view the image below, click on it to see it in full screen.

It gives you better readability.

Here is a list of the exciting things to do and places to go throughout San Diego County.

I hope you enjoy the many things and events we have to offer in

San Diego, Oceanside, Carlsbad, Encinitas, Olivenhain, Del Mar and Escondido including

Fairs, Festivals, Performances, Parades, Music, Art and more.

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662

Certified Distressed Property Agent

Donna "Sunshine" Smith, SFR, Realtor® DRE# 01249837

Short Sale, Foreclosure Resource Certified

RE/MAX By-the-Sea

Formerly with Taylor Place Real Estate

Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.

dennis@SanDiegoHomes4u.com

760-436-0087, or cell at 760-212-8225

http://www.sandiegohomes4u.com/home.htm

See my Short Sale and Foreclosure Avoidance Web Site at

http://HAFAShortSaleConsultant.com/

for more information & free reports.

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics

for the month and compare it with last year, by city!

http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at

http://www.sandiegohomes4u.com/MLS_Search.htm

You can search by address, by MLS number or by general criteria.

Single Story house near I-15 in Fallbrook - Only $299K

Possible 100% Financing Available.

Dennis Smith Presents:  3523 Lake Park Ave, Fallbrook

Rare Single Story Home in Wonderful cul de sac location in Lake Rancho Viejo, Fallbrook
Move in ready.  Some New paint & all newer carpet. 
Features 9' ceilings and family room w/cozy fireplace for romantic, relaxing evenings. 
The kitchen opens up to the family room to give it a Great Room feeling. 
Living room & Dining room are separate rooms.Inside Laundry Room. 
Quick access to I-15 Freeway. 
Close to over a mile of community walking trails. 
Pride of ownership.
MLS number  100061048
See full details, Please call me at 762-212-8225

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Agent
Donna "Sunshine" Smith, SFR, Realtor® DRE# 01249837
Short Sale, Foreclosure Resource Certified

RE/MAX BY-THE-SEA

Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm

See my Short Sale and Foreclosure Avoidance Web Site at
http://HAFAShortSaleConsultant.com/
for more information & free reports.

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at
http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the North Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido & San Diego County

Buy Homes in San Diego County for Half Off.

This is a great time to buy homes in San Diego County.

With loan rates at 50 year lows (almost 2/3 of what rates were 3 years ago),

and price drops on homes from 20% to 50%,

you could have a loan payment that is 40% to 60% lower
than it was 3 years ago...on the exact same home.

What a great deal, but do not delay,
Interest rates can turn up quickly.
If rates go from 4.5% to 6.5% (where rates were 2 years ago)
Your payment goes up by 48%.
What you can buy for $600K is much different than what you can buy for $300K.

Learn what the local "Experts" have to say about a Double Dip Recession and
where San Diego area Real Estate prices will go in the next 6 months.
http://sandiegohomes4ucom.blogspot.com/2010/09/opinions-are-like-noses-we-all-have-one.html

Please call me quickly to take advantage of these rates and prices.

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Agent

Donna "Sunshine" Smith, SFR, Realtor® DRE# 01249837
Short Sale, Foreclosure Resource Certified

RE/MAX By-the-Sea
Formerly with Taylor Place Real Estate
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm

See my Short Sale and Foreclosure Avoidance Web Site at
http://HAFAShortSaleConsultant.com/
for more information and free reports.

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at
http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the North Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido & San Diego County

OPINIONS ARE LIKE NOSES,
WE ALL HAVE ONE

Some are more educated than others but not always right.

Below is what the local "Experts" have to say about a Double Dip Recession and
where San Diego area Real Estate prices will go in the next 6 months.

Each week the San Diego Union Tribune Newspaper Business section asks its panel of eight economists to weigh in on an economic issue of concern to San Diegans. They may say yes, no, up, down or decline to participate or remain neutral.

Question: With the stock market, employment, housing, consumer spending and the general economy in jittery condition, do you think San Diego County will fall into recession again in a so-called “double-dip”?

Yes — 0;
No —7;
not participating: 1

No 'double-dip' ahead for San Diego economists say, but it might feel like a slump.
http://ww.signonsandiego.com/news/2010/aug/29/no-double-dip-ahead-san-diego-economists-say/

Question: Do you think San Diego’s housing market – prices and sales – will fall between now and the year’s end in the wake of the end to federal and state tax rebates?

Yes - 3 (residential focus)

Yes - 1 (commercial focus)

No - 2 (residential focus)

Neutral - 1

Some of the comments:
"This is an exceptionally complicated call. "
"Now we are back to a more normal recovery pattern."

"Although there will be parts of San Diego’s housing market that will see prices and sales increases, the end of the tax rebates, continuing high unemployment and sluggish job growth, and inventory of foreclosed homes still to be released to the market, will cause overall prices and sales in San Diego to slump through the end of the year."

"There is ultimately an imbalance of supply and demand, which will have the impact of bidding up housing prices as the economy recovers, simply because we will add precious few new housing units relative to the demand that can be forecast with regional economic growth. However, this upward pattern in pricing will be very gradual."

"the good news is regular sales are up while the [banks'] real-estate-owned sales are declining as a percent of the total"
http://www.signonsandiego.com/news/2010/aug/21/housing-prices-and-sales-where-are-they-headed/


My thoughts: Interest rates are the lowest they have been in 50 years and have nowhere to go but up. Lock in these low rates NOW for 15 to 30 years and smile. If rates go from 4.5% to 6.5%, that is a 48% increase in the monthly payment! This probable increase in rates has a far greater cost increase than what you would save in the possible drop in property prices in San Diego area...if prices go down at all.

Please call me quickly to take advantage of these rates & prices today. 


Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Agent

Donna "Sunshine" Smith, SFR, Realtor® DRE# 01249837
Short Sale, Foreclosure Resource Certified

RE/MAX By-the-Sea
Formerly with Taylor Place Real Estate

Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm

See my Short Sale and Foreclosure Avoidance Web Site at
http://HAFAShortSaleConsultant.com/
for more information and free reports.

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at
http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the North Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido & San Diego County

San Diego County Events - Sept 2010

 San Diego County Events - Sept 2010

To view the picture/image below, click on it to see it in full screen.

It gives you better readability.

Things to do in San Diego in Sept 2010

Here is a list of the exciting things to do and places to go throughout San Diego County.

I hope you enjoy the many things and events we have to offer here.

Click on the picture/list to expand it to full screen

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662

Certified Distressed Property Agent
Donna "Sunshine" Smith, SFR, Realtor® DRE# 01249837

Short Sale, Foreclosure Resource Certified

RE/MAX By-the-Sea
Formerly with Taylor Place Real Estate
 
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm
See my Short Sale and Foreclosure Avoidance Web Site at
http://HAFAShortSaleConsultant.com/
for more information & free reports.
My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm
You can view all available San Diego area homes for sale at
http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Furniture Fantasy Sale Sat., October 2, 2010

Furniture Fantasy Sale Sat., October 2, 2010 

Have you ever walked through a Model Home and wished you could get a good deal on the furnishings in the home?  BIA can help.  The Building Industry Association of San Diego County has it's 3rd annual fundraiser in a 20,000 SqFt warehouse full of great furnishings from Model Homes.

Well now you can. 
As much as 90% off retail.

You must be there early since people start lining up at 4AM. It is open at 8AM and mostly gone by mid morning.

OPEN TO THE PUBLIC
October 2, 2010
8:00am till SOLD OUT
Note: they made over $60K for charity last year - 2009.  Watch for it again in 2011.

FEATURING:

HIGH-END MODEL HOME FURNISHINGS

OFFICE FURNITURE, APPLIANCES

ACCESSORIES

CONSTRUCTION/REMODEL SUPPLIES

All sales are final and items must be removed that day!!!
Cash and Credit Card (MC, Visa, Amex& Discover) accepted

Don't miss the Furniture Fantasy Sale.
Visit: http://www.biacares.org/  for more information.
http://www.biasandiego.org/pdfs/Sales_Flyer.pdf

SALE LOCATION: Liberty Station
2816 Historic Decatur Road, Suite 140
San Diego, CA 92106
Enter @ Lytton St.
Follow the Signs!!!

Furniture Fantasy Sale Sat., October 2, 2010

____________________________________________

ANOTHER GREAT DEAL!
Go to the Habitat for Humanity ReStore for more bargains.
http://www.sdhfh.org/
10222 San Diego Mission Rd
San Diego, CA 92108
(619) 516-5267
 
Up to 70% OFF every Item: cabinets, doors, appliances, granite countertops, windows, lighting, plumbing, flooring, antiques, architectural items and more.

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
RE/MAX By-the-Sea
Formerly with Taylor Place Real Estate
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225

http://www.sandiegohomes4u.com/home.htm

Fall Home/Garden Show in Del Mar Ca

Fall Home/Garden Show in Del Mar at the Fairgrounds

has hundreds of different exhibits including home improvement products, furnishings, decorating & remodeling ideas… plus Showcase, Pet Corner, and Art / Face to Face.
September 10 - 12, 2010

Hours:
Friday, 11:00AM-6:00PM
Saturday, 10:00AM-6:00PM
Sunday, 10:00AM-5:00PM

Price:
Adults $8.00;
Younger than 12, free
Seniors $1.00 - Friday only
After 3:00PM, $5.00
E-tickets, $6.00
http://www.fallhomegardenshow.com/Pages/Discounts.htm

Location: O'Brien Hall at the Del Mar Fairgrounds
Parking: $9.00

Visit the Fall Home/Garden Show in Del Mar for all kinds of show specials too.




Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Agent
Donna "Sunshine" Smith, SFR, Realtor® DRE# 01249837
Short Sale, Foreclosure Resource Certified
RE/MAX By-the-Sea
Formerly with Taylor Place Real Estate
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm
See my Short Sale and Foreclosure Avoidance Web Site at
http://HAFAShortSaleConsultant.com/
for more information and free reports.

25 Free and Fun Activities in San Diego County

25 Free and Fun Activities in San Diego County


1. Head to one of San Diego’s beaches, consuming 70 miles of the coast.

2. Picnic at Torrey Pines State Park and view the hang-gliders.

3. Bird watch at the 1000-acre Torrey Pines State Reserve.

4. Take a self-guided tour of UCSD’s contemporary Stuart Collection sculptures.

5. Travel to La Jolla Cove and watch the scuba divers, snorkelers, seals, or the sunset.

6. The Museum of Contemporary Art in La Jolla is free the first Sunday of each month.

7. Drive to the top of Mt. Soledad in La Jolla for magnificent views of San Diego.

8. Cruise the 3-mile long Mission Beach Boardwalk on skates, bikes, or feet.

9. At night, have a beach bonfire at one of the selected beaches.

10. Spend the day at Mission Bay, a 4600-acre aquatic park.

11. Bike or jog along the 20 miles of trails surrounding Mission Bay.

12. Explore the tide-pools in Point Loma and La Jolla.

13. Visit Seaport Village to window-shop or tour the bay

14. Check out San Diego’s Big Bay

15. Balboa Park features museums and some are free on Tuesdays

16. Take in a free organ concert (Sundays at 2pm) at the Spreckels Organ pavilion in Balboa Park.

17. On the first Wednesday of every month, go to the Reuben H. Fleet Museum for “Stars in the Park”

18. Tour the Gaslamp District: full of restaurants, shops, and nightlife.

19. Old Town offers free flamenco dance lessons and historic tours of the town.

20. Take a free tour of the 150-acre Arco Olympic Training Center in Chula Vista.

21. Drive to Mt. Laguna to hike, picnic, or bike-ride.

22. Explore the Mission Trails Regional Park, which features a theater where guests can explore or learn about nature and the people who once occupied the land.

23. Bird watch from one of the watching platforms at the Chula Vista Nature Center.

24. Free fly-fishing lessons are offered Sundays from 9am to noon at Lake Murray in La Mesa.

25. Travel across the border to Tijuana, Mexico.

These are just 25 of the many Free & Fun activities in San Diego County
Explore and have fun in the sun and add to this list with your own suggestions.

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662

Certified Distressed Property Agent

Donna "Sunshine" Smith, SFR, Realtor® DRE# 01249837
Short Sale, Foreclosure Resource Certified

RE/MAX By-the-Sea
Formerly with Taylor Place Real Estate
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.

dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm

See my Short Sale and Foreclosure Avoidance Web Site at
http://HAFAShortSaleConsultant.com/
for more information & free reports.

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at
http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.