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!

FREE VA Information for Active Duty Personnel and VETERANS

You Have VA Loan Benefits! To find out how to use them, don’t miss this workshop presented by JR Thrasher of San Diego Real Estate Veterans!


What You’ll Discover By Attending:

  • Your Actual VA Home Loan Benefit

  • The Importance of Your VA Home Loan Benefit

  • Why People Fail To Take Advantage of Benefits

  • VA Loan Qualifications

  • When You Can Use Your VA Loan Benefit

Get JR’s top ten MUST KNOW for VA!


Space Limited! Register here.

Experts will be on hand to answer any questions you might have about VA loans.

Did you Clear a Profit on a House in 2014? It’s Possible That You Might Not Owe Taxes!


How to determine your tax exclusion eligibility

There are a few general rules to remember to avoid paying a capital gains tax on your home sale:

• You have to have owned the home and used it as your primary residence for at least two of the past five years before it was sold.
• The maximum profit you can exclude from capital gains taxes is $250,000 for a single person or $500,000 for a couple filing a joint return.
• You can exclude the gain from the sale of your main home only once every two years.
• If you own more than one home, you can exclude only the taxes on the sale of your main home—the one you live in the majority of the time.

When to declare your home sale on your tax return

• If you receive the 1099-S form (“Proceeds From Real Estate Transactions”), you’ll have to report the sale on your tax return. • If you can’t exclude all or part of your home sale from the capital gains tax, then you’ll have to declare the transaction on your taxes. • However, if you think you meet the requirements to avoid paying taxes on the profit from your home sale, act quickly at the close. You can certify with your Realtor®, lender, and settlement attorney (or title agent) that you qualify for a tax exclusion when the sale closes. If you didn’t notify anyone when the sale closed, you can still inform them by Feb. 15 of the year following the sale. Once that’s done, you won’t have to declare your home sale on your income tax return.

How to figure out your total profit

Determining the size of your profit isn’t as simple as calculating the difference between what you owed on your mortgage and the sale price of your home. For tax purposes, you need to calculate an “adjusted basis” for your home, which involves in the following: • The original price your paid for the home • Adding in the cost of any improvements you made. This doesn’t mean routine maintenance—these improvements need to be substantive changes that added to the value of your home • Subtracting any items you claimed to reduce your tax bill during the years you owned the home, such as depreciation, casualty losses, or energy credits. Once you’ve done those calculations, subtract them from the sale price to arrive at your profit.

Some exceptions

Of course, there are exceptions! These exceptions may allow you to qualify for a full or partial exclusion.

• If you are in the military, federal intelligence, or the foreign service and have spent some time working abroad over the past few years, you may be exempt from the rules outlined above.
• You may qualify for a partial capital gains tax exclusion if you sell your house due to a change of employment, change of health, or other unforeseen circumstances, including divorce.

As always with tax issues, consult a qualified tax adviser to ensure you follow the rules and maximize your tax deductions.

Military Members to Receive $123 Million for Unlawful Foreclosures from National Banks!

As our military was overseas fighting for us, the banksters back home were conducting illegal foreclosures conducted in violation of the Service Members Civil Relief Act.

With many vets suffering from war related illnesses, the realtor community can provide a valuable link to displaced veterans who may have fallen “off the society’s radar”.

As part of the settlement each lender must set up a hotline so service members don’t have to rely (snail) mail finding them.

So let’s get this settlement info out to any service members that were victimized so the funds don’t go unclaimed.

The Department of Justice has announced Bank of America, JPMorgan Chase, Citi, Wells Fargo and GMAC Mortgage have agreed to pay $123 million dollars for conducting 952 non-judicial foreclosures conducted in violation of the Service Members Civil Relief Act.

Bank of America has already paid approximately $35.37 million to 286 eligible service members as part of a separate settlement with the DOJ.

The non-judicial foreclosures in question took place During Jan. 1, 2006 thru Apr. 4, 2012.

Under the terms of the SCRA, non-judicial foreclosures are prohibited against service members who are in military service or within the applicable post-service period, as long as they originated their mortgages before their military service began.


Interested in purchasing a foreclosed home? Take a look at the foreclosed homes available for purchase at the following link:,36541,44700,45621,48888,48912/propertytype/SINGLE,CONDO,MULTI,LAND,FARM,MOBILE,INCOME/listingtype/Foreclosure+Bank+Owned/

J.R. Thrasher
BRE Lic: 01888955
Keller Williams Realty

619-929-0105 Cell
888-959-7089 Fax

J.R.’s top picks for the Aviara community in Carlsbad, CA 92011

Homes Near Aviara Oaks Elementary School in Carlsbad


By: J.R. Thrasher of San Diego Real Estate Veterans Lic# 01888955


Find homes for sale near Aviara Oaks Elementary School in Carlsbad. Our For Sale property information is a direct feed from the San Diego MLS and is updated multiple times per day.


The homes near Aviara Oaks Elementary School in Carlsbad have easy access to schools, shopping, trails and parks. You will love coming home to the Homes near Aviara Oaks Elementary School in Carlsbad every day!


To find out what your home near Aviara Oaks Elementary School in Carlsbad is worth, fill out this simple form.


Awesome Schools

To get local school scores and more information about the Elementary and Middle schools serving the Carlsbad area, check out Carlsbad School Reports on my website.

Super Convenient Carlsbad Location


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Aviara Oaks Elementary School in Carlsbad.


This location offers convenient access to several parks, trails, grocery stores and shopping malls.

.5 miles to the Shopping Center.

5 miles to Marine Corps Air Station Miramar.

1 mile to Sharp Rees Steely Hospital.

2.4 miles to Carlsbad High School.

13 miles to Downtown San Diego.

15 miles to San Diego International Airport.


Find out about everything that is nearby to Aviara Oaks Elementary School in Carlsbad including places of worship.

The homes near Aviara Oaks Elementary School in Carlsbad are a great place to call home. You will not be disappointed if you end up living here. You can find homes for sale near Aviara Oaks Elementary School in Carlsbad (if there are any available today) as well as all available Carlsbad homes for sale on my website.


Affordable Low and No Down Payment Options

Homes near Aviara Oaks Elementary School in Carlsbad are approved for several types of financing with low or no down payment required.  Find out what programs you qualify for.  VA Zero Down Financing approved, FHA financing approved, Conventional Financing approved.  Learn more about How To Buy A House With A Low Down Payment In Carlsbad.


Free Market Report For The Homes Near Aviara Oaks Elementary School in Carlsbad

The data used this Free Market Report is consolidated from multiple sources and includes current listings, recent sales, and more. Whether you’re a buyer or seller, the knowledge you gain will help put you in control of your real estate transactions.

Call or email anytime to discuss how this information can benefit you!


Thank you for reading about the Homes Near Aviara Oaks Elementary School in Carlsbad!


Provided courtesy of the San Diego Real Estate Veterans
Keller Williams SD Central
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JR’s Top Pick for Homes Seen This Week in Bay Ho 92117

This home has a great view and it made my list this week because of the HUGE price reduction. The seller said I want it sold NOW! Spectacular top to bottom remodel including gorgeous kitchen with high end appliances, luxurious bathrooms, new windows, fresh paint inside & out, flooring, landscape…too many ‘new’ items to list.  Great open & spacious floorplan with tons of natural light! Home boasts wonderful sit down bay, ocean & Seaworld fireworks views!  Huge 27,433 square foot lot with amazing outdoor entertaining area!  More than turn key, this home is contemporary masterpiece! BONUS:  $1500 CREDIT FOR REFRIGERATOR!

Click HERE for 25 pictures of my favorite home in Bay Ho this week. 


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