Is Refinancing Worth It?

Refinance your home. Call us for more information today!


I get asked this question all the time by previous clients & people that are referred to me.


With a refinance, below are the most important questions to ask yourself to see if it’s worth it.


  1. How much longer do you plan ton living in the home?
  2. What is the current value of your home… What do you think it would sell for if you put it on the market (hypothetically). The value determines the terms of a loan you can be offered, so its really important.
  3. What is your objective? Is it to have a lower payment? Take out money to invest back into your home or in something else? Get rid of mortgage insurance? Or some other reason?

All of these factors determine whether you are ready to take action & refinance! If you know of anyone that has questions regarding refinancing their home or possibly purchasing a new one, please feel free to give them my number: 619-929-0105.


Need your Social Media “Shares” :-)

Please share with all your friends. Congresswoman Susan Davis is looking for a VETERAN for her San Diego Office. This will be through the Wounded Warrior Program and is a great opportunity for any VETERAN with a disability rating of 30% or greater.

We really appreciate your support and a simply “Share” on your behalf.




Wounded Warrior Job Opening Website | Forward to a Friend | Share on:  


Dear Friend,

I am honored to have been awarded the opportunity to hire a Veterans Community Representative in my San Diego office under the Wounded Warrior Program. I would appreciate it if you would help me spread the word and encourage eligible individuals you know to apply. This program is limited to veterans who have served on active duty since September 11, 2001, with less than 20 years of service and have a minimum 30% disability rating from the Department of Veterans Affairs.

Click here for the job announcement, including detailed directions on how to apply through the Wounded Warrior Program. Thank you for your help!
Warm regards,

Susan A. Davis
Member of Congress
Website | Contact
U.S. House of Representatives
1214 Longworth House Office Building
Washington, DC 20515
Phone: (202) 225-2040
Fax: (202) 225-2948

2700 Adams Ave
Suite 102
San Diego, CA 92116
Phone: (619) 280-5353
Fax: (619) 280-5311

Scripps Ranch…. under $300k! Top Rated Schools!!

ar124538068929953I was looking around for condos for a client of ours and found some homes in the Scripps Ranch community of San Diego, 92131 under $300,000!

If you haven’t experienced the schools, the Farmers Market, shopping and incredible family atmosphere in Scripps Ranch, take a moment to check it out. It’s a very tight knit community that focuses on quality of life for it’s residents.







If you would like to learn more about the Scripps Ranch community online, the Scripps Ranch Civic Association provides a newsletter for everyone and is very active in the community. They can be found here!


“Rain Barrel” Rebate: Take advantage of this free money before funds dry up.


Did you know….that collecting rainwater for use during dry months in rain barrels or other depositories is an ancient and traditional practice? Historical records show that rainwater was collected in simple clay containers as far back as 2,000 years ago in Thailand, and throughout other areas of the world after that. With the rising price of municipal water and drought restrictions now facing California, more and more homeowners are turning to the harvesting of rainwater to save money and protect this precious natural resource.

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Our local government will give you money to start collecting rain water!!! Both the City of San Diego and the Metropolitan Water District are offering “Rain Barrel” Rebate Programs that will help you reduce the cost of setting up a rain water collection system at your home. Take advantage of this free money before funds dry up!


images (2)The City of San Diego website states that a 1,000 sq. ft. roof surface captures 625 gallons of water for every 1 inch of rain that falls. Collecting and re-using rainwater from gutters and downspouts for lawns and gardens minimizes the amount of water flowing into your storm drains, sewer systems and local waterways. Plants and microbes prefer rainwater because it is naturally “soft” and free of chlorine, fluoride and other chemicals, plus you save a considerable amount of money on your water bill each year especially with the impending water rate increase for all Californians.

download (1)Most people think of the blue or green barrels that most do-it-yourselfers have been using for years … times have changed and rain water collection barrels have been designed to enhance your homes appearance. As you can see, by these photos with a little creative freedom your options are limitless!

Simply CLICK HERE to get more information on the City of San Diego rebate program and CLICK HERE for the Metropolitan Water District rebate program.

Water Conservation in California: Take a look at your home Reverse Osmosis system!



Reverse osmosis water purification is a type of water treatment process that has been used for more than 40 years now. It involves a system where water is forced to move from a solution with higher salt content to one with a weaker level of salinity. At first, this method was used only to take out the salt content in seawater. But as it became more popular, its purifying features have also been made available for households and commercial use. Below are some of the biggest advantages and disadvantages of using this water treatment method.



Condo’s & Townhomes under $100,000 in San Diego County

The Pros of Using Reverse Osmosis Water Purification

  • By using semi-permeable filters, reverse osmosis can take out particles like rust and other microscopic debris.
  • Reverse osmosis can also filter out minerals like lead, iron, manganese, and salt, which can all be harmful if taken in large quantities.
  • This system can even prevent harmful bacteria from contaminating drinking water.
  • This purifying system can remove chemicals like fluoride and chlorine that may have been added to the main water supply.
  • Compared to water treatment via distillation process, reverse osmosis does not waste that much water.
  • Reverse osmosis does not also use too much energy, unlike other water filtration and distillation systems.
  • The molecular composition of water treated via reverse osmosis makes it very effective against stains when used in washing clothes and other various types of fabrics.
  • Having your own reverse osmosis system at home spares you from spending on commercially available purified water.
  • With your own treatment system, you do not need to stock up on plastic bottles or jugs that can be harmful to the environment if not disposed of properly.
  • Reverse osmosis water purification is more advantageous for commercial applications.

Condo’s & Townhomes under $100,000 in San Diego County

The Cons of Reverse Osmosis Water Treatment

  • With reverse osmosis, beneficial alkaline minerals will also be filtered out along with harmful substances, making water highly acidic and bad for your health.
  • Water with less or zero alkaline content has a tendency to neutralize its acidity by absorbing and taking away calcium and other beneficial minerals in the body.
  • Reverse osmosis can leave drinking water tasteless and unappealing.
  • Highly acidic water can corrode metals like the ones used in household appliances and even home plumbing systems.
  • Some experts believe that reverse osmosis is not enough in purifying chemically-treated water distributed through water systems in municipalities and cities.
  • For every 1 gallon of purified water produced, an average of 3 to 8 gallons of water is wasted in reverse osmosis, making it one of the most costly treatment methods available for home use.
  • Reverse osmosis systems can only purify an average of 15 gallons a day, so it is a very slow home water treatment method compared to other filtration systems.
  • Using this system has a lot of hidden costs which includes regular replacement of filtration membranes.
  • Installing or repairing a reverse osmosis system at home can be difficult, requiring homeowners to spend extra on professional installers or plumbers.
  • Reverse osmosis is not practical for home use.

This article is taken from the following source:

Actual link to the article:


Guys….. we found it!!!

20150309_153539We toured the neighborhood, met some folks and enjoyed a meal in an up-and-coming area of Chula Vista.

This is a new 21-unit Townhome community coming to Chula Vista. 3 beds, 2.5 bath, 2 car garage. Near trolley and easy freeway access with dining & shopping nearby. Oh yeah, the ocean breeze is PHENOMENAL there!!! We were not allowed on-site during our visit, but were promised access soon; I believe that there will be ocean and/or mountain views.

Pricing is to be determined …. but I have it on good authority these homes will be starting in the Mid 300’s… making these particular Townhomes the absolute best deals on the market. The best part… you get to choose the finishes for your NEW home.

Our team is watching this one closely for you. This is truly a case of the “Early Bird Gets The Worm” … If you are even mildly interested I recommend letting us know now. Otherwise we’ll keep you updated on the progress and sales.

4 Million Homes in the palm of your hand!!


It’s About Time – Equifax, Experian and TransUnion – Broadest Industry Overhaul In More Than A Decade

Under an agreement announced Monday with New York, Equifax Information Services, Experian Information Solutions and TransUnion, the three biggest companies that collect and disseminate credit information on more than 200 million Americans, will change the way they handle errors and list unpaid medical bills as part of the broadest industry overhaul in more than a decade.


The plan was announced as part of an agreement with New York Attorney General Eric Schneiderman.

“Credit reports touch every part of our lives. They affect whether we can obtain a credit card, take out a college loan, rent an apartment, or buy a car—and sometimes even whether we can get jobs,” Schneiderman said in a Monday afternoon release.

“The nation’s largest reporting agencies have a responsibility to investigate and correct errors on consumers’ credit reports,” he added. “This agreement will reform the entire industry and provide vital protections for millions of consumers across the country. I thank the three agencies for working with us to help consumers.”

Among the changes consumers will see:

—Consumers will find more educational material at, the website that allows consumers to obtain a free credit report from each of the three ratings agencies once a year.

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Foreclosures in Chula Vista

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—Consumers who obtain their free annual credit report and dispute information resulting in modification of the disputed item will be able to obtain another free annual report without waiting a year.

—Consumers who dispute items on their credit reports will receive additional information from the credit bureaus along with the results of their dispute, including a description of what they can do if they are not satisfied with the outcome of their dispute.

—The credit reporting agencies are focusing on an enhanced dispute resolution process for consumers that are proven victims of identity theft and fraud, as well as those involved in mixed file situations.

Changes made to improve data accuracy and quality include:

—Medical debts won’t be reported until after a 180-day “waiting period” to allow insurance payments to be applied. The CRAs will also remove from credit reports previously reported medical collections that have been or are being paid by insurance.

—Consistent standards will be reinforced by the credit bureaus to entities that submit data for inclusion in a credit report (data providers).

—Data providers will be prohibited from reporting authorized users without a date of birth and the agencies will reject data that does not comply with this requirement.

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Foreclosures in Oceanside

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—The CRAs will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines.

—A multi-company working group will be formed to regularly review and help ensure consistency and uniformity in the data submitted by data furnishers for inclusion in a consumer’s credit report.

—Reuters contributed to this report.

Report from CNBC.

Beware of Calls from IRS Impersonators this Filing Season

WASHINGTON — As the 2015 tax filing season begins, the Treasury Inspector General for Taxpayer Administration (TIGTA) is reminding taxpayers to beware of phone calls from individuals claiming to represent the Internal Revenue Service (IRS) in an effort to defraud them.


“It is critical that all taxpayers continue to be wary of unsolicited telephone calls from individuals claiming to be IRS employees,” said J. Russell George, Treasury Inspector General for Tax Administration. “This scam, which is international in nature, has proven to be the largest scam of its kind that we have ever seen. The callers are aggressive, they are relentless and they are ruthless,” he said. “Once they have your attention, they will say anything to con you out of your hard-earned cash,” George added.

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Available in Chula Vista

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TIGTA has received reports of roughly 290,000 contacts since October 2013 and has become aware of nearly 3,000 victims who have collectively paid over $14 million as a result of the scam, in which individuals make unsolicited calls to taxpayers fraudulently claiming to be IRS officials and demanding that they send them cash via prepaid debit cards.

“The increasing number of people not only receiving but accepting these unsolicited calls from individuals who fraudulently claim to represent the IRS is alarming,” George said. “At all times, and particularly during the tax filing season, we want to make sure that innocent taxpayers are alert to this scam so they are not harmed by these criminals,” he said, adding, “Do not become a victim.”

“This is a crime of opportunity, so the best thing you can do to protect yourself is to take away the opportunity,” the Inspector General added. “Do not engage with these callers. If they call you, hang up the telephone.”

Inspector General George noted that the scam has hit taxpayers in every State in the country. Callers claiming to be from the IRS tell intended victims they owe taxes and must pay using a pre-paid debit card or wire transfer. The scammers threaten those who refuse to pay with immediate arrest, deportation or loss of a business or driver’s license.

The IRS usually first contacts people by mail – not by phone – about unpaid taxes. And the IRS won’t ask for payment using a pre-paid debit card or wire transfer. The IRS also won’t ask for a credit card number over the phone.

“If someone unexpectedly calls claiming to be from the IRS and uses threatening language if you don’t pay immediately, that is a sign that it really isn’t the IRS calling,” George said.

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Available in Santee

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The callers who commit this fraud often:

  • Utilize an automated robocall machine.
  • Use common names and fake IRS badge numbers.
  • May know the last four digits of the victim’s Social Security Number.
  • Make caller ID information appear as if the IRS is calling.
  • Send bogus IRS e-mails to support their scam.
  • Call a second or third time claiming to be the police or department of motor vehicles, and the caller ID again supports their claim.

If you get a call from someone claiming to be with the IRS asking for a payment, here’s what to do:

  • If you owe Federal taxes, or think you might owe taxes, hang up and call the IRS at 800-829-1040. IRS workers can help you with your payment questions.
  • If you don’t owe taxes, fill out the “IRS Impersonation scam” form on TIGTA’s website, or call TIGTA at 800-366-4484.
  • You can also file a complaint with the Federal Trade Commission at Add “IRS Telephone Scam” to the comments in your complaint.

TIGTA and the IRS encourage taxpayers to be alert for phone and e-mail scams that use the IRS name. The IRS will never request personal or financial information by e-mail, texting or any social media. You should forward scam e-mails to Don’t open any attachments or click on any links in those e-mails.

Taxpayers should be aware that there are other unrelated scams (such as a lottery sweepstakes winner) and solicitations (such as debt relief) that fraudulently claim to be from the IRS.

Read more about tax scams on the genuine IRS website at

You need to pay close attention to this one…… If you don’t it will cost you money!!!

Call to ACTION!!!

Jarvis Legislative Alert: Real Estate Document Tax is Back…Again!

“It’s clearly a tax, not a fee,” said Jon Coupal, president of the Howard Jarvis Taxpayers Association. (This is deja vu all over again.)

Our industry was critical in stopping this tax for the last two years and your help is needed again!

Click on this link to find your state legislator!!

California Democratic lawmakers unveiled a plan Feb. 25th to increase affordable housing by creating a new real estate fee and increasing tax credits to spur new building. “Specifics are still under discussion” according to these same legislators!

Here is what we know:

Californians would pay an ADDITIONAL $75 fee (to Sacramento) whenever they record a real estate document “associated” with a refinance, notice of default and notice of a trustee sale.

What the sponsors are obscuring is: Just how many documents (in real life) are involved and what’s the typical cost per transaction.

It will add $300-$800 per transaction and cause agents, escrow and title a lot more hours of disclosure and accounting according to 29 year title veteran Dennis Wilson”. “It will also create another state run bureaucracy to dole out the funds- assuming the funds are disbursed vs. they just might disappear into the state budget”.

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Homes for sale in Scripps Ranch
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Lets talk about refinancing your mortgage and how much that will cost you….

Based on this legislation here are the (minimum) fees:
$75 fee for the trust deed and $75 for the grant deed, $75 fee for “reconveyance” of the previous trust deed. There could be a $75 fee for deeding the property into a trust and another $75 for deeding out of the old trust. And there are often inter-spousal and quit claims deeds associated with many mortgage transactions.

NOD or Trust Deed Sale Notice:
$75 fee for recording the “N.O.D. and $75 Trust Deed Sale.
There would ALSO be a $75 fee (“per document” every time the sale or the NOD IS rescinded. Typically this will happen at least twice as the homeowner struggles to save their home. In addition with foreclosure transactions there are release of liens (i.e. mortgage-prop. tax, mechanics liens and federal/ state tax liens; all at $75 a piece).

So the state is going to collect HUNDREDS OF DOLLARS in fees from people losing their homes? Really? Or are they just planning on passing the fees on to tax payers.

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Homes for sale in La Mesa
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According to the Bill Sponsors:

“Home sales would be exempt” says Assembly Speaker Toni Atkins, D-San Diego.

Ever since the voters passed Prop. 13 we’ve all been thru this dance with Sacramento time and time again; and their solution is always the same “Tax the homeowner”! Call me a cynic but very soon it will apply to home sales as these same lawmakers will “in the wee hours of the morning” insert new language into an unrelated obscure bill to tax home sales and then point fingers at everyone else.

“The new fees would generate $300 million to $720 million a year for the state depending on the number of document transactions”. The money would be spent on “fulfilling housing needs of homeless people and people who make just above an area’s median income”.

“The state’s low-income housing tax credit would jump from $70 million to $370 million, with the money going to private investors who build affordable housing”. Which then begs the question: Who are these private investors and do they contribute campaign monies?

Let’s join together with the Jarvis Association to stop this tax on our industry by emailing or a short call to your legislator.

And the sooner the better, before this bullet train leaves the station!

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