Monthly Archives: September 2014

La Mesa Village is known for their Oktoberfest in San Diego County! With many locals coming together with music, vendors, great German food, and lots of good Cheer! Bring comfortable shoes and come and enjoy the festival. Oktoberfest: Traditional autumn festival held in Munich, Germany, every October that features beer-drinking and merrymaking. Friday, October 3rdStreet festival: 11:00 a.m. - 9:00 p.m.BIG Beer Garden: 4:00 - 11:00 p.m.THE IDEAS Rock & Roll Trio: 4:00 - 5:00 p.m.The Car Tune Dogs (Classic Rock): 6:00 - 10:00 p.m. Saturday, October 4thStreet festival: 11:00 a.m. - 9:00 p.m.BIG Beer Garden: 11:00 a.m. - 11:00 p.m.Our Song (German Music):12 noon - 4:00 p.m.The Car Tune Dogs (Classic Rock): 6:00 - 10:00 p.m. Sunday, October 5thStreet festival: 12:00 noon - 5:00 p.m.BIG Beer Garden: 1:00 - 4:00 p.m.Our Song (German Music): 1:00 - 4:00 p.m. Location: Downtown La Mesa on La Mesa Blvd. between Acacia and 4th AvenueBIG Beer Garden Location: In the Allison Street parking lot between Pine and PalmTROLLEY DETAILS: FRIDAY, OCTOBER 3 - The trolley runs every 15 minutes until 12:01 a.m. SATURDAY, OCTOBER 4 - The Trolley runs every 15 minutes to downtown San Diego until 11:30 p.m. From 11:01 p.m. to 1:00 a.m. the Trolley will run every 30 minutes with the last Trolley departing from La Mesa at 1:00 a.m. SUNDAY, OCTOBER 5 - The Trolley runs every 15 minutes throughout Sunday event hours.ONLY PEOPLE 21 YEARS OR OLDER CAN PURCHASE BEER OR WINE IN THE BEER GARDEN! THIS IS NOT A PET FRIENDLY EVENT. PETS ARE NOT ALLOWED AT THIS CITY WIDE EVENT.

Prior to the development of the title industry in the late 1800s, a homebuyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, homebuyers look primarily to title insurance to provide this protection. Title Insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property records. WHAT IS TITLE INSURANCE?► Title insurance provides coverage for certain losses due to defects in the title that , for the most part, occurred prior toyour ownership. Title insurance protects against defects such as prior fraud or forgery that might go undetected untilafter closing and possibly jeopardize your ownership and investment. WHY IS TITLE INSURANCE NEEDED?► Title insurance insures Buyers against the risk that they did not acquire marketable title from the Seller. It is primarilydesigned to reduce risk or loss caused by defects in title from the past. A Loan Policy of Title Insurance protects theinterest of the mortgage lender, while an Owner's Policy protects the equity of you, the Buyer, for as long as you or yourheirs (in certain policies) own the real property. WHEN IS THE PREMIUM DUE?► You pay for your Owner’s title insurance policy only once, at the close of escrow. Who pays for the Owner’s Policy andLoan Policy varies depending on local customs. Angie [email protected] [email protected] [email protected]@firstam.com

San Diego Home Loan Rates have been steady recently. Currently with FHA 30 year fixed mortgage rate at 3.75 and Conventional loan rates being at 4.25 show that market rates are low. Next month rates can either increase or drop depending if outside investors from other countries who purchase the current loans will dictate the interest rate. Future home buyers, I’d love to share with you a variety of different loan programs out there that will help and assist buyers with funding. Some loan programs are grants that will allow a buyer to purchase a home up to $415,000. Another that I recently learned about is Cal Home Program, which offers home buyers assistance. Each loan program is created for different types of buyers and based on what their income is. For more information, contact us.As far as current homeowners, it’s a great time to refinance your property since property values have increase and interest are low. We have been seeing an increase of homeowner’s refinance their properties in order to adjust their loans or cash out. We've also seen more homeowners wanting to downsize and purchase a smaller home with the equity that they have made from their property/properties. If you think that you owe more then what your home is currently worth in today’s market, I high suggest you contact me immediately. Do not pay attorneys to do loan modifications on your property or charge you for work that has not been started or complete. Many homeowners fall into a trap where they will pay an outside company/attorney to modify their loan and never get anything in return. Working with distressed properties is all about timing and you don't want to wait too long before it's too late. If you would like information regarding today's mortgage update blog, call me today or send an email and I'll contact [email protected](619)254-6066

https://youtu.be/QjLqYhpH-bc Many people ask me, "Gisela, where is the best place to live in San Diego?"I usually ask them, "what's important to you in a home and neighborhood?" Because my opinion is going to be different then theirs, so I'd rather know what they like and then start consulting from there. The video above is a lovely home in a desirable community in Rancho San Diego. This home features a bedroom downstairs and a full bathroom which is important when you have a guest or extended family members living with you. Vaulted ceilings which give the home lots of light and space. The three bedroom upstairs are ample in size. Great location and inviting community of Corte Madera. Location has also been a great place to invest due to high demand for rentals in the area. Sellers are motivated and just dropped the price down by $20,000. Homes in this area sell between $400,000 - $700,000. This home is listed just under $500,000. I'll personally be hosting an Open House there this Saturday from 10:30 - 1:30 pm. Come on in and I'll give you a Buyers Package or Sellers Package, to get you on your Goal Path! OPEN HOUSE:Saturday, Sept. 6th at 10:30 am2533 Sawgrass, El Cajon, California 92019