San Diego Real Estate Blog

Foreclosures in San Diego New Dawn Realty

Dawn Lewis San Diego Realtor (New Dawn Realty) — Sun, 29 Nov 2009 11:57:59 -0600

Foreclosures in San Diego by New Dawn Realty

If you are interested in buying a San Diego Foreclosure we can help. At New Dawn Realty we list many Foreclosures, REO Properties and Bank Owned Homes that banks have asked us to sell for them. We ask any buyers interested in buying a foreclosure to contact us for our available inventory and to be put on our San Diego Foreclosure Interest List. When an available foreclosure comes on the market we will contact you immediately to see the foreclosure.

We have access to all San Diego Foreclosures that are in the San Diego MLS and have Real Estate Agents ready to help you get into your new home or condo. If you are considering buying a foreclosure in San Diego County make sure you contact us. We're here to help.

San Diego Real Estate San Diego Home Buying San Diego Home Selling San Diego Foreclosures

San Diego Short Sales New Dawn Realty in San Diego San Diego Home Blog

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Clairemont Mesa San Diego Real Estate Condo for Sale

Dawn Lewis San Diego Realtor (New Dawn Realty) — Sun, 29 Nov 2009 11:52:44 -0600

San Diego Real Estate Blog

Clairemont Real Estate Condo for Sale

Clairemont San Diego Real Estate:

New complex minutes from the San Diego bay and beach. This 3 bedroom home also has 3.5 baths & a 2 car garage. This Clairemont condo is an end unit that is south west facing and has many windows that make this condo light and bright. Upgrades and features include Berber carpets and tile throughout. Kitchen has dark wood cabinets with granite counter tops and stainless steel appliances. Family room has surround sound and there the condo is prewired throughout for ceiling fans. The complex is complete with a pool and spa area and lots of guest parking. Walk to shopping and dining. This is a Bay Park gem in Clairemont.

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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Posted in Clairemont Mesa, San Diego Real Estate Blog, San Diego Short Sales, San Diego Real Estate News, Bay Park, San Diego MLS, San Diego Real Estate, Central Coastal, San Diego New Homes

Carmel Valley Real Estate 2010

Dawn Lewis San Diego Realtor (New Dawn Realty) — Sun, 29 Nov 2009 11:48:06 -0600

Carmel Valley Real Estate 2010

Carmel Valley Real Estate 92130 in North County Coastal San Diego has not been hit as hard as most communities of San Diego County and should continue to hold its ground in 2010. The latest stats from October 2009 show that there were 21 homes sold in the month at a median home price of $1,045,000 which is a decline from last year of only 1.2%. Camel Valley had 32 condo sales with a median condo price of $469,000 which is 1.7% less in value from last October. There were 33 new homes sold in Carmel Valley and the median home price was $822,000 which is a decline from last year of 4.4%.

On Thanksgiving Day 2009 there were 158 listings for sale in the San Diego MLS. These are single family detached homes. The median price is $1,275,000 and an average price of $1,682,000. Carmel Valley should show a tick up in 2010. This is an area that does very well and is considered a North County Coastal area that is highly desirable. It's a community that is close to the beach and one of them being Torrey Pines State Beach and has some great master planned communities. Carmel Valley is also relatively easy to get in and out of because it is right at the 5 - 56 highway area where traffic is still quite light even in rush hour.

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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Posted in San Diego Real Estate Blog, San Diego Market Report, San Diego Real Estate News, San Diego New Homes, Carmel Valley, San Diego Real Estate, North County Coastal,

Real Estate North County Inland San Diego

Dawn Lewis San Diego Realtor (New Dawn Realty) — Sun, 29 Nov 2009 11:43:54 -0600

Real Estate North County Inland San Diego


			Real Estate North County Inland San Diego
			Bonsall Real Estate 92003
			Borrego Springs Real Estate 92004
			Escondido S Real Estate 92025
			Escondido N Real Estate 92026
			Escondido E Real Estate 92027
			Escondido W Real Estate 92029
			Fallbrook Real Estate 92028
			Julian Real Estate 92036
			Palomar Mountain Real Estate 92060
			Pauma Valley Real Estate 92061
			Penasquitos Real Estate 92129
			Poway Real Estate 92064
			Ramona Real Estate 92065
			Rancho Bernardo W Real Estate 92127
			Rancho Bernardo E Real Estate 92128
			Rancho Santa Fe Real Estate 92067
			Rancho Santa Fe (PO) Real Estate 92091
			San Marcos N Real Estate 92069
			San Marcos S Real Estate 92078
			Santa Ysabel Real Estate 92070
			Valley Center Real Estate 92082
			Vista S Real Estate 92081
			Vista W Real Estate 92083
			Vista E Real Estate 92084
			Warner Springs Real Estate 92086


			Buying a San Diego Home All Areas

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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Posted in San Marcos, Ramona, Vista, San Diego Real Estate Blog, San Diego Green Homes, Fallbrook, Escondido, San Diego Real Estate, North County Inland, San Diego MLS, Carmel Mountain,

Real Estate South County San Diego

Dawn Lewis San Diego Realtor (New Dawn Realty) — Sun, 29 Nov 2009 11:38:29 -0600

Real Estate South County San Diego


				Real Estate South County San Diego
				Bonita Real Estate 91902
				Chula Vista N Real Estate 91910
				Chula Vista S Real Estate 91911
				Chula Vista E Real Estate 91913
				Chula Vista NE Real Estate 91914
				Chula Vista SE Real Estate 91915
				Imperial Beach Real Estate 91932
				National City Real Estate 91950
				Nestor Otay Mesa Real Estate 92154
				San Ysidro Real Estate 92173

				Buying a San Diego Home All Areas

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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Posted in Otay Mesa, National City, San Diego Real Estate Blog, San Diego Real Estate News, Ocean View Hills, Bonita, San Diego MLS, San Diego Real Estate, South Bay, Rolling Hills, Sunbow,

North County Coastal San Diego Real Estate Home and Condo Search

Dawn Lewis San Diego Realtor (New Dawn Realty) — Sat, 21 Nov 2009 12:39:00 -0600

North County Coastal San Diego Real Estate Home and Condo Search Made Easy - Find Homes and Condos by selecting the Community or Zip Code you want to look at Homes and Condos in - These North County Coastal San Diego Real Estate Listings are from the San Diego MLS and is updated daily.

If you need help please contact us. We're here for you. Dawn Lewis


		North County Coastal San Diego Real Estate
		Cardiff by the Sea Real Estate 92007
		Carlsbad NW Real Estate 92008
		Carlsbad SE Real Estate 92009
		Carlsbad NE Real Estate 92010
		Carlsbad SW Real Estate 92011
		Carmel Valley Real Estate 92130
		Del Mar Real Estate 92014
		Encinitas Real Estate 92024
		Oceanside S Real Estate 92054
		Oceanside E Real Estate 92056
		Oceanside N Real Estate 92057
		Oceanside Central Real Estate 92058
		Solana Beach Real Estate 92075
		San Diego Real Estate Search

San Diego Real Estate Resources Real Estate Relocation by State San Diego Real Estate News

San Diego Resources Real Estate Resources Real Estate Blogs Resources

All information is believed to be correct but not guaranteed.

East County San Diego Real Estate Home and Condo Search

Dawn Lewis San Diego Realtor (New Dawn Realty) — Sat, 21 Nov 2009 12:35:23 -0600

East County San Diego Real Estate Home and Condo Search Made Easy - Find Homes and Condos by selecting the Community or Zip Code you want to look at Homes and Condos in - These East County San Diego Real Estate Listings are from the San Diego MLS and is updated daily.

If you need help please contact us. We're here for you. Dawn Lewis


	East County San Diego Real Estate
	Alpine Real Estate 91901
	Boulevard Real Estate 91905
	Campo Real Estate 91906
	Descanso Real Estate 91916
	El Cajon Real Estate 92019
	El Cajon Real Estate 92020
	El Cajon Real Estate 92021
	Jacumba Real Estate 91934
	Jamul Real Estate 91935
	La Mesa Real Estate 91941
	La Mesa Real Estate 91942
	Lakeside Real Estate 92040
	Lemon Grove Real Estate 91945
	Mt. Helix Real Estate 91941
	Pine Valley Real Estate 91962
	Rancho San Diego Real Estate 91978
	Santee Real Estate 92071
	Spring Valley Real Estate 91977





	San Diego Real Estate Search

Twitter San Diego Real Estate

Dawn Lewis San Diego Realtor (New Dawn Realty) — Thu, 19 Nov 2009 23:34:43 -0600

Twitter San Diego Real Estate

Follow Dawn Sells San Diego on Twitter

You can follow Dawn Sells San Diego on Twitter. Our San Diego Real Estate Twitter has all of our blog posts tweeted as well as all information pertaining to the San Diego Real Estate Market, News and Trends. Twitter is a great way for us to stay in touch with home buyers and home sellers in San Diego County.

We also keep you updated on foreclosure and short sale properties that we are selling and up to date information on the latest foreclosure and short sale news. Twitter is an excellent micro-blog for getting San Diego Real Estate Tweets out fast to our followers. If you want to follow the best San Diego Real Estate on Twitter make sure you follow us.

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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Posted in Linda Vista, Del Cerro, Mission Valley, Normal Heights, Bonita, Tierrasanta, University City, Sorrento Valley, Clairemont Mesa, Bay Park, Downtown, La Jolla, Old Town, Imperial Beach, National City, San Diego Relocation, San Diego Short Sales, Dawn Lewis REO's, San Diego Market Report, Ocean View Hills, San Diego Real Estate News, San Diego Real Estate Blog, San Diego Foreclosures, La Mesa, El Cajon, Lemon Grove, Santee, Spring Valley, Scripps Ranch, Rancho Penasquitos, Chula Vista, Carmel Valley, EastLake, Otay Ranch, San Miguel Ranch, Rolling Hills, South Bay, East County, North County Coastal, San Diego Real Estate, North County Inland, Central Coastal, Central Inland, Sunbow, Windingwalk, San Diego House Values, Oceanside, 4s Ranch, Mira Mesa, Poway, Encinitas, Del Mar, San Diego MLS, San Diego New Homes, Cardiff, Carlsbad, Carmel Mountain

Kensington Home for Sale in San Diego

Dawn Lewis San Diego Realtor (New Dawn Realty) — Thu, 19 Nov 2009 23:31:48 -0600

Kensington Home for Sale in San Diego

1934 Kensington Home for Sale - This Spanish Architecture Home has all the charm you would expect in this history rich part of San Diego County. This home has 4 bedrooms and 3 full bathrooms and is over 2,500 Square Feet.

There is 1 bedroom and 1 full bathroom downstairs. This 1930's Kensington home has a large family room that is open to the kitchen. Original wood floors add to the charm of this San Diego gem. If you would like to view this Kensington home make sure you contact us right away. Priced at $749,000.

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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Posted in San Diego Short Sales, San Diego Relocation, San Diego Real Estate News, Kensington, San Diego Real Estate Blog, North Park, San Diego Real Estate, Central Inland, San Diego MLS,

Otay Ranch Short Sale

Dawn Lewis San Diego Realtor (New Dawn Realty) — Thu, 19 Nov 2009 23:26:55 -0600

Otay Ranch Short Sale Home

CHULA VISTA - This Otay Ranch charming home is located at the end of a cul-de-sac. Walking distance to Neighborhood Park and located close to shopping. Built in 2003 this home has 3 bedrooms and 2 and a half bathrooms. Some of the features of this Otay Ranch short sale are tile and wood flooring with carpeting in the bedrooms, big upstairs loft, custom window coverings, custom television niche, upstairs laundry closet, and tiled fireplace in living room to name a few.

If you are looking for a home in Chula Vista this Otay Ranch home could be the one for you. Make sure you contact us to see it before it's sold.

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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Posted in San Diego Short Sales, San Diego Real Estate News, San Diego Real Estate Blog, Otay Ranch, South Bay, Chula Vista, San Diego Real Estate

Pet Store in Imperial Beach San Diego

Dawn Lewis San Diego Realtor (New Dawn Realty) — Thu, 19 Nov 2009 23:23:05 -0600

San Diego Real Estate Blog

Pet Supplies in Imperial Beach San Diego

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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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,

Chula Vista Bank Owned Condo

Dawn Lewis San Diego Realtor (New Dawn Realty) — Fri, 13 Nov 2009 22:51:47 -0600

Chula Vista Bank Owned Condo for Sale

San Diego Real Estate Blog

CHULA VISTA CA - BANK OWNED CONDO - 3 bedroom 2.5 bathrooms, 1,349 Square Feet. This condo is being freshly painted as well as other minor repairs. Condo is located close to the 5 freeway and is walking distance to the mall and Downtown Chula Vista. It has lots of storage space and a 2nd balcony in the bedroom with a view. 1 car attached garage, fireplace and is in a gated community. If you've been waiting for a Chula Vista condo to live in or invest in make sure this is on your list and see it fast there will be lots of interested buyers.

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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Posted in San Diego Real Estate Blog, Dawn Lewis REO's, San Diego Real Estate News, San Diego Foreclosures, Chula Vista, San Diego Real Estate, South Bay

Chula Vista Short Sale

Dawn Lewis San Diego Realtor (New Dawn Realty) — Fri, 13 Nov 2009 22:48:39 -0600

Chula Vista Short Sale

CHULA VISTA CA - SHORT SALE CONDO

Beautiful 3 bedroom condo in South Bay San Diego. This real estate in Chula Vista has custom paint throughout and the kitchen has granite counter tops as well. The dining room has a convenient granite butler counter for serving and entertainment. This condo has a cozy homelike feel and is quite large at 1,890 Square Feet. This condo is a corner unit and is across from the complex pool and spa. This is a short sale and as you might know the banks are starting to move short sales through more efficiently. If you want to take a look at this Chula Vista short sale at a great price give us a call.

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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Posted in San Diego Real Estate Blog, San Diego Short Sales, San Diego Real Estate News, San Diego MLS, Chula Vista, San Diego Real Estate, South Bay,

Escondido Renaissance Faire San Diego 2009

Dawn Lewis San Diego Realtor (New Dawn Realty) — Fri, 13 Nov 2009 22:45:37 -0600

Escondido Renaissance Faire San Diego 2009

Escondido, CA. November 2009

We decided to go checkout the Escondido Renaissance Faire at Felicita Park in Escondido in North County San Diego. The Renaissance village known as "Village of Falconbridge" had an admission price of $16 per adult. I thought it was a little steep for a ticket but after seeing how much it took to put this event together I thought it was well worth the admission price.

Felicita Park itself is covered with large oaks and Sycamore trees and is great outdoor park in San Diego. This event had a true feeling of a Medieval Village complete with knights, Ladies, and everything you would expect. Most people were dressed up in medieval attire and really looked good. There was entertainment, like sword fighting, battles, singing, shoes and lots of other festivities. Lots of merchants and food too.

If you missed it in 2009 make sure you visit the Escondido Renaissance Faire at Felicita Park in 2010.

Some Videos from the event.

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Posted in Escondido, North County Inland,

La Jolla Birch Aquarium in San Diego

Dawn Lewis San Diego Realtor (New Dawn Realty) — Fri, 13 Nov 2009 22:38:44 -0600

Birch Aquarium at Scripps in San Diego

San Diego Real Estate Blog

I've been going to the Birch Aquarium at Scripps in San Diego for years. Recently I decided to take my 1 year old granddaughter there to see the fish. She first saw the huge whale fountain when you walk up from the parking lot towards the aquarium and her face lit up with excitement. What a day we had. She loved it. The Birch Aquarium is located at 2300 Expedition Way, La Jolla, CA 92037 and is very easy to find off of Route 5. The Aquarium is part of the Scripps Institution of Oceanography.

At the lobby of the aquarium is a large cylinder tank of fish, I believe they were anchovies and they swim in a circle and are really cool to watch. There are many tanks of fish and other sea life and the main aquarium is huge. There is a really neat area in the back of the aquarium where you can touch the sea creatures in the tide pools. If you're looking for a great way to spend the day in San Diego make sure you visit the Birch Aquarium.

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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Posted in La Jolla, Central Coastal

Extended First-Time Home Buyer $8,000 Tax Credit

Dawn Lewis San Diego Realtor (New Dawn Realty) — Fri, 13 Nov 2009 22:32:24 -0600

Extended First-Time Home Buyer $8,000 Tax Credit

The First-Time Home Buyer $8,000 Tax Credit was just extended until April 30, 2010 by the U.S Congress.

It expands the credit to grant up to $6,500 credit to current home owners purchasing a new or existing home between November 7, 2009 and April 30, 2010.

Here is more information about how the Extended Home Buyer Tax Credit can help prospective home buyers become part of the American dream.

Who Qualifies for the Extended Credit?

First-time home buyers who purchase homes between November 7, 2009 and April 30, 2010.

Current home owners purchasing a home between November 7, 2009 and April 30, 2010, who have used the home being sold or vacated as a principal residence for five consecutive years within the last eight.

To qualify as a "first-time home buyer" the purchaser or his/her spouse may not have owned a residence during the three years prior to the purchase.

If you or you have purchased a home between January 1, 2009 and November 6, 2009, please see: 2009 First-Time Home Buyer Tax Credit.

Which Properties Are Eligible?

The Extended Home Buyer Tax Credit may be applied to primary residences, including: single-family homes, condos, townhomes, and co-ops.

How Much Is Available?

The maximum allowable credit for first-time home buyers is $8,000.

The maximum allowable credit for current homeowners is $6,500.

How is a Buyer's Credit Amount Determined?

Each home buyer's tax credit is determined by 2 additional factors:

The price of the home.
The buyer's income.

Under the Extended Home Buyer Tax Credit, credit may only be awarded on homes purchased for $800,000 or less.

Buyer Income

Under the Extended Home Buyer Tax Credit, which is effective on November 7, 2009, single buyers with incomes up to $125,000 and married couples with incomes up to $225,000-may receive the maximum tax credit.

These income limits have changed from the 2009 First-Time Home Buyer Tax Credit limits. If you or your client purchased a home between January 1, 2009 and November 6, 2009, please see 2009 First-Time Home Buyer Tax Credit.

If the Buyer(s)' Income Exceeds These Limits, Can He/She Still Get a Credit?

Yes, some buyers may still be eligible for the credit.

The credit decreases for buyers who earn between $125,000 and $145,000 for single buyers and between $225,000 and $245,000 for home buyers filing jointly. The amount of the tax credit decreases as his/her income approaches the maximum limit. Home buyers earning more than the maximum qualifying income-over $145,000 for singles and over $245,000 for couples are not eligible for the credit.

Can a Buyer Still Qualify If He/She Closes After April 30, 2010?

Under the Extended Home Buyer Tax Credit, as long as a written binding contract to purchase is in effect on April 30, 2010, the purchaser will have until July 1, 2010 to close.

Will the Tax Credit Need to Be Repaid?

No. The buyer does not need to repay the tax credit, if he/she occupies the home for three years or more. However, if the property is sold during this three-year period, the full amount credit will be recouped on the sale.

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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Posted in Imperial Beach, Alpine, Bonita, Tierrasanta, North Park, Julian, Lemon Grove, San Diego Real Estate News, San Diego Market Report, San Diego Real Estate Blog, Santee, Mission Valley, University City, Cardiff, Carlsbad, Carmel Valley, North County Coastal, San Diego Real Estate, Solana Beach, Mira Mesa, Sorrento Valley, Clairemont Mesa, Rancho Penasquitos, Poway,

San Diego Realtors Conference and Expo 2009

Dawn Lewis San Diego Realtor (New Dawn Realty) — Fri, 13 Nov 2009 22:29:39 -0600

San Diego Realtors Conference and Expo 2009

San Diego Real Estate Blog

San Diego is the location for the 2009 Realtors Conference and Expo that is set to kick off this week at the San Diego Convention Center. San Diego is called Americas Finest City and for many Realtors who haven't visited San Diego before they'll see why. The weather here has been great and unfortunately some colder weather is due in the next few days. But compared to the rest of the country it will still be very nice.

Realtors coming to San Diego will be treated to a world class city and a world class event. The 2009 Realtors Conference and Expo is shaping up to be the best ever. William Shatner of Star Trek and other TV shows and movies is slated to there at the National Association of Realtors booth on Saturday between 1 and 4. NAR never disappoints at this event and the list of celebrities and speakers is long and famous. If you're a local San Diego Realtor stop on by and say hi. If you're flying in from somewhere else enjoy my home town, San Diego.

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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Posted in San Diego Real Estate Blog, San Diego Real Estate News, Downtown, Central Coastal, San Diego Real Estate, Blogroll

San Diego Real Estate Market 2010 Predictions

Dawn Lewis San Diego Realtor (New Dawn Realty) — Fri, 13 Nov 2009 22:26:28 -0600

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.

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Obama TRIAL Loan Modifications - Whats Next?

Dawn Lewis San Diego Realtor (New Dawn Realty) — Fri, 13 Nov 2009 22:20:35 -0600

San Diego Obama Home Rescue

CNN Real Estate has two interesting articles on the Obama Home Rescue Plan. The first article titled "Obama home rescue: 650,000 get help" talks about how bank are helping home owners stay in their homes by modifying their home loans. The article states in many places about these 650,000 homeowners being put into a "trial loan modifications under the president's foreclosure rescue plan". Basically the homeowners are not really getting a loan modification their just getting a trial loan modification. Here are a couple of excerpts from the CNN article:

Some 650,000 troubled borrowers have been put into trial loan modifications under the president's foreclosure rescue plan, the Treasury Department said Tuesday.

That number represents 20% of eligible homeowners at least 60 days behind in their payments, according to the Treasury report. This is up from 16% a month earlier.

Despite the progress, housing counselors say the number of people falling into foreclosure vastly exceeds the ranks getting assistance. The number of filings hit a record high of 937,840 in the third quarter, according to RealtyTrac, an online marketer of foreclosed homes. That's a 5% increase from the second quarter and a 23% jump over the third quarter of 2008.

The $75 billion Obama plan is "lagging behind the massive number of foreclosures that continue to pile up," said John Taylor, head of the National Community Reinvestment Coalition.

But administration officials have said that the program, which was projected to help up to 4 million homeowners, is on track.

The rescue tries to keep borrowers in their homes by adjusting monthly payments to no more than 31% of a borrower's pre-tax income. Servicers, borrowers and investors can get financial incentives to participate.

Administration officials have been pressuring loan servicers to ramp up their modification efforts. Many people have complained that financial institutions lose their paperwork, transfer them repeatedly between departments and require that they fill out applications again and again.

But the rising unemployment rate is prompting more homeowners, even those with strong credit histories, to fall behind on payments. And the president's plan is not designed to help the jobless.

At the end of the article in the article there was the sentence:

What's becoming even more important is how many people in trial modifications receive permanent adjustments.

The words "permanent adjustments" went to another article titled "Long-term Obama loan modifications prove elusive". This article talks about how many of the trial loan modifications are not and will not turn into permanent loan modifications. The loan servicers state that they are having a hard time getting the homeowners to send them proper paperwork to complete the process. Here's some information directly from the article:

Half a million people are now in trial modifications under the Obama administration's mortgage rescue plan, but getting them permanent help is proving to be difficult.

The foreclosure prevention plan, which reduces eligible borrowers' monthly payments to no more than 31% of their pre-tax income, requires homeowners to make three on-time monthly payments before they can receive a permanent modification.

Loan servicers use the trial period to verify borrowers' income and ascertain whether they can handle the reduced payments.

But servicers say they are having a tough time collecting the necessary documents to determine whether troubled borrowers should receive permanent adjustments. They contend that some homeowners aren't sending in their tax returns, bank statements and pay stubs. Borrowers, on the other hand, complain that their paperwork is being lost.

The Obama administration recently made several changes to the program to give the transactions more time and streamline the plan.

Last month, it extended the trial period by two months to give servicers more time to collect the documents. And last week, it announced that servicers could automatically move qualified borrowers into permanent modifications without their signatures.

The Treasury Department said these moves should make it easier for qualified borrowers to get permanent modifications, according to a spokeswoman. Officials are discussing ways to make it even easier, she said, including allowing servicers to access tax records directly from the Internal Revenue Service.

It is in servicers' interest to convert eligible borrowers since they only get incentive payments when the modification is made permanent, the Treasury spokeswoman said. Plus, if the government finds institutions to have wrongly denied swaths of people, it could impose penalties.

"Treasury is also working intently with servicers to help ensure that they execute in helping more borrowers convert to permanent modifications," she said.

Who's to blame?

Servicers say they are wrestling with getting the completed documents they need to put borrowers in permanent modifications.

At JPMorgan Chase, for instance, representatives call and send letters to homeowners detailing what they still need to mail in. The bank says it has improved its system for collecting paperwork so that lost documents are not the problem. The issue, it says, is that homeowners are simply not sending in what's required.

Many borrowers are growing increasingly nervous as they near the end of their trial modification periods with no decision from their servicers.

Jim Copley, a Minneapolis homeowner, was given a trial modification five months ago. He found he could no longer afford his $1,650 monthly payments after the housing collapse decimated his home-painting business.

After receiving a temporary adjustment that cut his payments to $955 a month, Copley sent his servicer, Bank of America, all the required income documentation in June. He was shocked to learn two months later that there was some paperwork missing. He called again and was told that his file was, in fact, complete and that he should continue making reduced payments until he was told otherwise.

The loan modification HOPE from the Obama Administrations seems to be again lots of HYPE and falls in with all the other UTOPIA DREAMS of the current leadership. Everything is a temporary fix. We need permanent solutions. Let's let things run their course without big brother intervention and economics, good and bad, will cycle through. I wonder what's next.

CNN Articles

http://money.cnn.com/2009/11/10/news/economy/obama_mortgage_plan/index.htm

http://money.cnn.com/2009/10/16/news/economy/Obama_modification_program/index.htm?postversion=2009101611

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NAR Convention and Expo 2009 with Dawn Lewis in San Diego

Dawn Lewis San Diego Realtor (New Dawn Realty) — Fri, 13 Nov 2009 22:14:30 -0600

San Diego Real Estate Blog Dawn Sells San Diego

Dawn Lewis at the Realtor Expo in San Diego 2009

San Diego Real Estate Blog - November 13, 2009

Dawn Lewis stopped by the National Association of Realtors NAR Realtor Convention and Expo that's being held at the San Diego Convention Center. Dawn took some video footage to upload to YouTube to share with other Realtors and everyone else interested in this great event for Real Estate Agents. Enjoy the videos of the NAR Convention and Expo 2009 event that San Diego is very proud and honored to be hosting. Stop by if you can and check it out.

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Posted in Dawn Lewis REO's, San Diego Real Estate News, San Diego Relocation, San Diego Real Estate Blog, Central Coastal, Downtown, San Diego Real Estate

Foreclosures Spread Throughout America

Dawn Lewis San Diego Realtor (New Dawn Realty) — Mon, 02 Nov 2009 21:24:59 -0600

San Diego Real Estate Blog

Foreclosures Spread Throughout America

San Diego has seen its share of foreclosures; in fact the whole state of California has been one of the hardest hit states in America. In many new home communities and subdivisions of the early to mid 2000’s foreclosures and short sales are the 2 main groups of available homes for sale in the San Diego MLS. Areas where most of the home loans were interest only stated income loans with Adjustable Rate Mortgages or ARM’s are falling victim to the economic crisis and unemployment epidemic.

I recently read an article on CNNMoney.com and they listed the top 5 foreclosure hot spots all out of the State of California. The top 5 foreclosure areas in the United States were; McAllen Texas, Burlington Vermont, Lincoln Nebraska, Gulfport-Biloxi Mississippi, and Sioux Falls South Dakota. With states like California, Michigan, Florida and Nevada usually at the top of the list we’re finally starting to see that all of America is on the chopping block. In big numbers too. I know Obama and the current administration want to keep every American in their homes but it’s not their call, it’s the facts of life and the facts of business that make it unrealistic. Just another false HOPE and broken promise or is pushing the 1.6 Trillion Health Care debacle through more important right now. I wish they would fix one thing before they break another.

McAllen, Texas – 1 in 251 homes are foreclosures up 1,197%
Burlington, Vermont – 1 in 4,436 homes are foreclosures up 400%
Lincoln, Nebraska – 1 in 2417 homes are foreclosures up 240%
Gulfport-Biloxi, Mississippi – 1 in 492 homes are foreclosures up 140%
Sioux Falls, South Dakota – 1 in 492 homes are foreclosures up 116%

There are always options to foreclosure such as loan modification, bankruptcy, and short selling your home. You should always consult an attorney to look at all of your options. If you need help with a short sale in San Diego make sure you give us a call for a free consultation.

CCNMoney Article

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NAR Wants Extension of First Time Homebuyer Tax Credit

Dawn Lewis San Diego Realtor (New Dawn Realty) — Wed, 21 Oct 2009 21:23:31 -0500

San Diego Real Estate Blog

NAR Asking for Extension of the First Time Homebuyer Tax Credit

I read a recent article titled: Realtors® Urge Congress to Act Now to Extend Homebuyer Tax Credit. In the article the National Association of Realtors included some facts about how many first time home buyers were helped into their new homes by the tax credit which will end on November 30, 2009. I know it's helped here in the San Diego Real Estate Market and many of our clients have taken advantage of the incentive.

Below is an excerpt from the article:

The National Association of Realtors® is calling upon its 1.2 million members to urge Congress to extend the successful homebuyer tax credit into next year.

Since its inception earlier this year, the $8,000 first-time homebuyer tax credit has brought 1.2 million new buyers into the market-350,000 of whom would not have purchased a home without the credit, according to NAR. The credit is due to expire November 30.

"Now is the time for Congress to keep this recovery going by extending the tax credit through 2010 and making it available to more homebuyers. We have all seen how the credit has been a spur to bring homebuyers into the market, and have seen the beginnings of a real recovery in the housing market. Housing has always led this nation out of economic downturns, and can do so again," said NAR President Charles McMillan, a broker with Coldwell Banker Residential Brokerage in Dallas-Fort Worth.

Realtors®, the leading advocates for homeownership and housing issues, will be writing to their Senators and Representatives to tell them of the successes with the tax credit thus far and to press them to extend and expand it now.

For the entire article please visit Realtor.org

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Posted in Jamul, National City, Logan Heights, La Mesa, Lemon Grove, San Diego Real Estate News, San Diego Market Report, San Diego Real Estate Blog, Del Cerro, Ocean Beach, Oceanside, Rolling Hills, San Diego Real Estate, Escondido, Rancho Penasquitos, Clairemont Mesa, Valley Center, Blogroll |

Chula Vista REO

Dawn Lewis San Diego Realtor (New Dawn Realty) — Wed, 21 Oct 2009 21:17:49 -0500

Chula Vista REO in San Miguel Ranch

San Diego Real Estate Blog

San Diego REO - Dawn Lewis REO Listing Agent San Diego California

Excellent Opportunity to own a home in San Miguel Ranch. Chula Vista Bank Owned Foreclosure for sale. This newer 5 bedroom 3.5 bathroom home has over 3,300 square feet. This Chula Vista REO has it all including, Berber carpet, tile, huge kitchen with big island, stone counter tops, breakfast area, 2 fireplaces, lots of ironwork, huge master bedroom, bedroom and full bath on first level, big yard with custom BBQ area and covered seating area, and Coronado Island views. This Bank Owned Gem is located in 91914 Chula Vista in San Miguel Ranch.

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Posted in San Diego Real Estate Blog, Dawn Lewis REO's, San Diego Real Estate News, San Diego Foreclosures, San Miguel Ranch, South Bay, Chula Vista, Blogroll

San Diego REO

Dawn Lewis San Diego Realtor (New Dawn Realty) — Wed, 21 Oct 2009 21:13:42 -0500

San Diego REO Spring Valley CA

San Diego REO - Dawn Lewis REO Listing Agent San Diego California

Remodeled Bank Owned Foreclosure in San Diego County in 91977 Spring Valley. This 3 bedroom 2 bath home has new windows, new roof, new paint, new flooring, including carpet and tile, new lighting fixtures and more. The backyard has a big deck that is partially covered with some peek-a-boo lake and mountain views to the East. Come check out this bank owned home in San Diego and all of our bank owned properties today.

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Posted in San Diego Real Estate Blog, Dawn Lewis REO's, San Diego Real Estate News, San Diego Foreclosures, Spring Valley, San Diego Real Estate, East County,

La Jolla San Diego CA

Dawn Lewis San Diego Realtor (New Dawn Realty) — Wed, 21 Oct 2009 21:07:23 -0500

Mount Soledad La Jolla San Diego CA

Mt. Soledad Veterans Memorial is located in La Jolla in San Diego California. Mount Soledad is part of the Federal Government and the Department of Defense. Mount Soledad has some of the best views in San Diego County and has a panoramic 360 degree view of the San Diego Coast to the San Diego Mountains. The Mt. Soledad viewpoint is over 800 feet above sea level and if you are visiting San Diego or if you live in San Diego this is a must see.

The history of Mount Soledad began in 1914 when it became a Memorial Park. In the 1920's the Lindbergh boys used the mountain for glider flights. The Mt. Soledad Memorial is now managed by Commander, Navy Region Southwest located in San Diego, California.

Here are some videos of the Mount Soledad Veterans Memorial

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