Coastal San Diego Living

Spreading The Holiday Cheer By Helping The Kids at SD Center of Children Make Christmas Ornaments

by Tisha Carney 20. December 2010 11:30
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SAN DIEGO CENTER FOR CHILDREN: “We are Healing Hearts and Minds!”

This past Saturday morning we spent some time with the kids at The San Diego Center For Children and spread some holiday cheer by helping them make Christmas ornaments. In conjunction with Xerox San Diego, we had about 20 volunteers!

One of the greatest challeIMG_1104nges any community faces is to offer hope to a child or adolescent who is suffering from a mental health problem – mental, emotional or behavioral problems that often we cannot see, much less understand.   The children and adolescents at The San Diego Center for Children know what it feels like to confront these challenges.

The kids at The SD Center for Children know what it feels like not to have their basic needs met – they question if anything they do even matters as they struggle to find their place in society. The highly-skilled team of dedicated professionals at the center knows how to reverse destructive behavior and restore a child’s and an aXCIP SD @ SD Center for Children 024dolescent’s greatest hope – to regain a healthy and normal life complete with family, friends, school, and routine.

It was a fabulous morning helping to spread the holiday cheer! These are truly some very special kids!

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Just For Fun

Top 5 Predictions for 2011 San Diego Housing Market

by Tisha Carney 10. December 2010 11:27

Freddie Mac analysts point to five features that they believe will likely2011-Number-Stock-Images characterize the 2011 housing and mortgage markets:

1. Low mortgage rates. With Fed observers expecting the central bank to keep the federal funds rate at its current target range of 0 percent to 0.25 percent for most (or all) of 2011, relatively low mortgage rates will be a feature of the 2011 mortgage market. Thirty-year fixed-rate loans are likely to remain below 5 percent throughout the year, and initial rates of 5/1 hybrid adjustable-rate mortgages will likely remain below 4 percent in 2011.
2. Prices have hit bottom. House prices are likely to begin a gradual, but sustained recovery in the second half of 2011.
3. Housing will remain affordable. With affordability high, many first-time buyers will be attracted to the housing market in the New Year, likely translating into more home sales in 2011 than in 2010.
4. Refinances will dwindle. Many eligible borrowers have already refinanced and the federal Making Home Affordable refinance program is expiring on June 30. While fixed-rate loans are likely to remain low, they will move up gradually, making it even less likely that refinances will be attractive to most home owners.
San Diego housing market5. Delinquency rates will decline. Based on the last several business cycles, the share of loans that are 90 or more days delinquent or in foreclosure proceedings — known as the "seriously delinquent rate" — generally crests within a year of the start of the recovery in payroll employment, and this economic recovery appears to fit within that pattern. Payrolls began to rise last January, and by the spring the seriously delinquent rate had begun to fall.
Daily Real Estate News  December 10, 2010 

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Are You a First Time Homebuyer? Check Out These Homebuying Tips!

by Tisha Carney 9. December 2010 12:29

Buying a home is a complex experience, especially if it's your first time! Here we break down the process into four easy-to-understand stages and offers helpful tips and advice for each one.

Part 1: Evaluate Your Life and FinancesSan Diego Real Estate

Owning a home is like any major commitment. You need to be mentally and financially ready for it. What stage of life are you in? Are you financially stable? Do you move around a lot?

Before you even look at homes, take a good look at your situation and crunch the numbers to see if this is the right time for you to buy. Just because it's a buyer's market doesn't mean you should buy now. These steps will help you figure out whether you're ready to own a home.

Part 2: Shop for a Loan

Once you determine you're ready for the responsibilities of owning a home, it's time to find financing. You'll likely be borrowing thousands of dollars, so shop around for the best interest rates and loan terms to negotiate the best deal. Buying a home involves more than just the sales price. There are fees for every part of the process. Make sure you understand everything you're paying for.

3212194 Part 3: Find a House

Now comes the fun part! You have your home wish list and pre-approval letter, so it's time to go house hunting. Save the gas money and do some research online first. Read about different neighborhoods and home styles, and browse listings online. Consider getting a buyer's agent to set up home tours and guide you through the process.

Part 4: Close the Deal

Unless you made a low-ball offer that offended the seller, expect to negotiate. The key is to find terms you both can agree on. Put them in writing, sign the contract and the clkeysosing process begins. During this period, you'll get an appraisal, title search and exam, home inspection and homeowners insurance. If all goes well, you'll sign the paperwork and the keys are yours!

Are you interested in more detailed information of each of these four steps? Check out HGTV's Resources for First Timers!

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Gorgeous Executive Home With Lomas Santa Fe Golf Course Views!

by Tisha Carney 8. December 2010 13:36
Lomas Santa Fe Golf Course Views!

This beautiful home was completely remodeled in 2009. It is a single story home located on the Lomas Santa Fe Executive Golf Course! With absolutely impressive custom stone work throughout, from the moment you enter the residence you are surrounded by quality craftsmanship and materials. A MUST SEE!

Tisha Carney, 619-889-7750, tisha@tishacarney.com

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