Real Estatewww.SDNEWS.com | Vol. 1 Issue 2San Diego Community Newspaper Group THURSDAY, SEPTEMBER 30, 2010

LA JOLLA

VILLAGE NEWSON THE

MARKET

La Jolla’s Real Estate

Photo by Rafael A. Riverawww.rafaelstudio.com

SPECIAL EDITION

Featuring:

La Jolla Propertiesand Open Houses

For Advertising assistance, call us today!

(858) 270-3103x123

To advertise call ourreal estate department

(Ashlee) at: extension x123

Also available online at:

PAGE 2 | SPECIAL EDITION

Real Estatewww.SDNEWS.com | Vol. 1 Issue 3San Diego Community Newspaper Group THURSDAY, OCTOBER 28, 2010

LA JOLLA

VILLAGE NEWSON THE

MARKET

OBSTACLECOURSE TORECOVERY

Will the other shoe fall?

Just as we were get-

ting used to the fact

that our already slow economic

recovery would be even slower, a

Bank of America agent testified

that she had signed 8000 foreclo-

sures without reading them or

verifying the merits of each fore-

closure package. The ramifica-

tions of that simple disclosure

could have been far reaching.

B of A, Chase, GMACand a few

other banks announced a mora-

torium on foreclosures. Stopping

them could have disastrous con-

sequences for the market. We

need to strain and squeeze those

homes through the foreclosure

process and into the market. If

forward motion on that process

were to stop, our recessionwould

go deeper and be unnecessarily

prolonged. By getting foreclo-

sures out now, we purge the arti-

ficially low priced inventory and

help the market become whole

again as we rebuild the economy.

According to Housing and Urban

Development Secretary Shaun

Donovan, theWhite House is op-

posed to a foreclosure morato-

rium in order that the “fragile

housing recovery that has begun

can continue.”

Bank of America and GMAC

announced last week that they

would restart foreclosures. There

has been an FHA review of the

top mortgage servicers, Bank of

America,Wells Fargo, J.P.Morgan

Chase, Citigroup and GMAC.

Compliance inconsistencies and

defective documentation have

been found in some cases. There

is also a $47 billion law suit

brought by the NewYork Fed and

others asking B of A to buy back

securities based on Countrywide

mortgages. Countrywide was ac-

quired by B of A in 2008. Attor-

neys general in all 50 states will

continue to investigate mortgage

company compliance with their

respective state laws. According

to Eileen Connelly of ForbesMag-

azine, Fidelity National Title and

B of A have come to an agree-

ment protecting the title com-

pany from the “uproar over

mortgage lenders accused of cut-

ting corners on foreclosure pa-

perwork and legal procedures.”

In spite of volatility in the stock

and bond markets, we have

good news. Rates continue to

stay low. Treasury rallies have

been pushing bond yields to new

lows. Every time there is a rumor

that interest rates will go up, the

stock market does better. That’s

usually when investors take

money out of the bond market,

driving rates a little higher.When

there is bad news for the econ-

omy or the value of the dollar,

then money usually leaves the

stock market looking for the safe

haven of bonds. Because there is

an inverse relationship between

price and yield (rate) of bonds,

the laws of supply and demand

usually drive rates down when

that happens.

More good news, houses

are selling.We seemore activity

in our housing market. Great

Britain and parts of Europe have

the right idea. They are cutting

government spending by 20% to

get their economies back in line.

Maybe a newWashingtonwill do

likewise. We seem to be navigat-

ing through the obstacle course

to recovery. Hopefully the gradual

recoverywill continue on its slow

upward path and that other

shoe will never make a thud!

Formore information, please

contactNancyGardner at CMCFi-

nance: nancy@cmcfinance.com.

GUEST EDITORNancy Gardner

858.456.3000www.CMCFinance.com

Despite low interest rates anddeclining sale prices, there is still alot of home inventory available.That means homeowners thinkingabout selling have to do whateverthey can to set their homes apartfrom the others available.

Real estate experts call it "stag-ing," or presenting the home in thebest light so that potential buyerscan envision themselves movingright in. Just a few changes here andthere can position a home to sellfaster than the competition.

1.The nose knows. A house canbe perfect inside and out, but ifit smells bad, buyerswill likely be putoff. Make sure there is no noticeableodor, such as pet smells, garbage,stale smoke, etc., to turn off others.

2.Clear out.Make sure the interi-or looks as spacious as possible.This could mean taking out somefurniture and temporarily putting itin storage. Be sure countertops inbathrooms and kitchens are free of

clutter. And pack away knick-knacks that can collect dust.

3.Cater to the lazy person. Poten-tial buyers generally want tomove in and simply unpack. Theydon't want to make major repairs.Therefore, homeowners should dowhatever repairs are possible, with-in reason. If that means tearingdown dated wallpaper or replacingcarpeting with hardwood floors, itcould mean a faster sale.

4.Do a deep cleaning.Whether acleaning service is hired or thehomeowner does it himself, tacklingnecessary cleaning projects couldmake the home shine. Now is thetime to wash the windows, sham-poo the carpets, regrout the bath-rooms, and tackle all of thosemess-es that could compromise a sale.

5.Add a fresh coat of paint. Ifwalls are bright colors or eclec-tic, it could pay to paint rooms inmore neutral shades to appeal to themasses. Just be aware that some

buyers are suspicious of paint, espe-cially freshly painted ceilings. Theymay think a homeowner is trying tohide something, usually waterstains.

6.Keep the home updated.Whileone doesn't have to follow everytrend, ensuring the home is agelesscan make for a better sell. So if thecabinets scream1985and the bath-room is circa 1967, it could be timeto do some updating.

7.Create "happy" spaces. Buyersdon't want to purchase a darkhome that seems full of doom andgloom. Open the windows, turn onthe lights, add lights to dark roomsanduse light colors as roomaccents.Generally buyers want a bright andlight home.

8.Avoid provocation. One poten-tial buyer could be an animallover, another a political activist. Noone can tell whowill view the home.So don't display personal items thatmight offend. Take down mounteddeer heads and put away books thatmay seemoffensive. It can be a goodidea to store religious items as well.

9.Clean out closets and cabinets:Partially empty closets and cab-inets give the suggestion that thehome is large andhas plenty of stor-age space -- somuch so that it does-n't even all need to be used. Buyerswho see jam-packed closets couldwonder what's up with storage.Selling a home in a toughmarket

can be easier when homeownerstake the steps needed to stage homesfor a faster sale.

9 Interior Fixes to Sell a Home Fast

Real Estatewww.SDNEWS.com | Vol. 1 Issue 3San Diego Community Newspaper Group THURSDAY, OCTOBER 28, 2010

LA JOLLA

VILLAGE NEWSON THE

MARKET

SPECIAL EDITION | PAGE 3

CONDOMAXIMUM!

Rarely available one level condo with the spaciousness and

privacy of a single-family home. Three bedroom, two and one

half baths, 2 parking spaces and daily kaleidoscope views of

Shelter Island and San Diego Bay. Two large patios, pool, and

party room. Cruise ships, yachts, and paddleboards share the

venue with city lights sea creatures and Kellogg Beach. Walk the

nature path to Pt. Loma Village . . . this spot is magic!

Offered at $1,195,000

Dianne Reichardt619/248-0882

dianner@coldwellbanker.com2727 Shelter Island Dr.San Diego, CA 92106

Quick And Easy Ways To Modernize Your KitchenThe kitchen is the heart of every

home. It'swheremeals are prepared,memories made, and future plansdecided. You want a kitchen thatretainsmemories of your pastwhilecreating a modern space for yourfamily to grow."Annual spending on remodeling

is expected to accelerate this year,with nearly five percent growth over2009," says Carl Griffenkranz, vicepresident of marketing for GraniteTransformations, a kitchen andbath remodeling company. "Butinstead of tearing down walls, peo-ple are looking to amend their exist-ing floor plans and fixtures."There are several quick and easy

ways to modernize a kitchen:

Strip it.The quickest way to get a new

look is to strip your kitchen of anti-quatedwallpaper and put on a freshcoat of paint. Modern looks tend tobe minimalist and showcase boldcolors, although never more thanone, and are accompanied withplain white or black appliances andstainless steel touches.

Island activities.The easiest way to increase coun-

tertop and storage space withoutknocking downwalls is to install anisland. And if you use eco-friendlymaterials, like post-consumer woodfor the base and recycled glass andstone for the countertop, you can bemodern in principle and practice.

Rock it.The definingmark of manymod-

ern kitchens is a shiny granite coun-

tertop. While they used to be cum-bersome to install, there are newways to accomplish this task. Forexample, Granite Transformationshas a line of countertops that fit overexisting ones, minimizing installa-tion time and waste. Each granitecountertop is custom made to fityour kitchen, never needs sealingand installation takes one day withno demolition or downtime.

Flatten it.A trulymodern kitchen lets you stay

connected to the world. Considerinstalling a flat screen TV or com-puter monitor so you can followcooking shows and access recipesonline. Cover the monitor with atransparent plastic sheet to protect itfrom stray food and oil.

Reface it.If you don't want to spring for

new cabinets, refinish them. "Therearemanymodernmaterials you canuse. Refacing is great because it isless expensive than tearing out old

cabinets and replacing with newand offers the look of a new kitchenin days, not weeks," explains Griff-enkranz. "And when it comes tobacksplashes, consider getting cre-ative with mosaics. Mosaics allowyou the opportunity to give yourkitchen the custom look you desire."

Tech it up.Technology isn't just in electron-

ics. New polymers are being addedto naturalmaterials for countertopsand backsplashes to make them

stronger. One product line, calledTrend Stone, uses granite slabs thatare approximately 95 percent natu-ral stone mixed with a special poly-mer for a surface that's heat, stainand scratch resistant -- making itvirtually maintenance-free.Formoreways to employ easy-to-

usematerials tomodernize kitchens,visit granitetransformations.com.With the rightmaterials and plan-

ning, you can update your kitchenwith little pain andmuch pleasure.

PAGE 4 | SPECIAL EDITION

Real Estatewww.SDNEWS.com | Vol. 1 Issue 3San Diego Community Newspaper Group THURSDAY, OCTOBER 28, 2010

LA JOLLA

VILLAGE NEWSON THE

MARKET

FEATURED HOME:Windansea Sanctuary

$1,175,000

Nestled on a private cul de sac, rests this stunning 2 story home in one of La Jolla's premierneighborhoods. Style and charm around every corner, this home features 3 bedrooms, 2.5bathrooms, vaulted ceilings, hardwood flooring, French doors, peek ocean views as well as aseparate finished office above a full 2 car garage.The moment you enter through beautiful Spanish doors in to a private patio that begs for

entertaining, youwill neverwant to leave! Imagine yourself taking a few short steps to La Jolla's bestdining, shopping and the famous Windansea Beach. This home rests on the popular La Jolla bikepath, perfect for long walks and easy access to the award winning La Jolla schools.Originally built in 1964, this home has been lovingly remodeled with delightful details and

touches throughout.With over 2700 square feet of living space, this is the best value in La Jolla!Thishome is being offered for the first time in over 25 years, don't miss this opportunity to own yourpiece of paradise!

For More Information:Kim Caniglia –Whitney & Associates Real Estate

(858) 342-5298kcanigs@san.rr.com • www.KimCaniglia.com

SPECIAL EDITION | PAGE 5

Real Estatewww.SDNEWS.com | Vol. 1 Issue 3San Diego Community Newspaper Group THURSDAY, OCTOBER 28, 2010

LA JOLLA

VILLAGE NEWSON THE

MARKET

Diminishing jobs and widespread layoffs arecausingmany people to fall behind on their bills,includingmortgage payments.Thatmeansmanyhomeowners are facing foreclosure. But there areoptions to avoid it.Statistics show that there are still a high num-

ber of homes that are going into foreclosure,despite early real estate stimulus efforts.TheMort-gage Bankers Association predicts that 1 out ofevery 200homes in theU.S.will be foreclosed on,and every three months another 250,000 newfamilies enter into foreclosure.A slower real estate market has translated into

falling home prices for many people. For thosewho opted for adjustable rate mortgages, higheradjustments mean the inability to pay outstand-ing loans. Furthermore, low home values couldmean thatmany people owemore on their homemortgages than the properties are currentlyworth.Despite public perception, lenders do not want

to foreclose on a house unless absolutely neces-sary. Lenders can lose 20 cents to 60 cents on thedollar for a foreclosure. The average lender loses$50,000 or more on a foreclosure due to legalfees and other expenses. This means that banksmay be willing to negotiate with homeownerswho are facing foreclosure.A lender will generally contact a person with-

in 90 days if payments on the mortgage aremissed and will file a "notice of default." Howev-er, even with one missed payment, the creditbureaus generally get wind of late or unmadepayments, which can greatly affect a person'scredit rating. Acting before payments are late can

save a homeowner's reputation.• Contact the bank to talk about inability to

pay. Homeowners will want to speak with the"lossmitigation" department.There they can talkabout payment plans and schedules that may beable to stretch out or reduce payments, called loanmodification.• If there is enough equity in the home, a

homeownermay be able to refinance the home ata better rate. Don'twait until the lastminute to dothis. Credit ratings are likely to be a factor whendetermining the interest rate. Steer clear of otherrisky loans, such as interest-only or anotheradjustable rate, if possible.• Try selling the home in a conventional man-

ner. Too many times people are attached to theirhomes. In essence, the home is a piece of proper-ty. Holding on to it when it cannot be affordedcan spell trouble. Sell while there is still equityand find anewplace to live that'smore affordable.• Consider a short sale if what is owed on the

house is considerably more than what the houseisworth.The lossmitigation department is also incharge of approving a short sale on the home.The lender will agree to accept a lower price onthe home than what the homeowner currentlyowes on the mortgage note.• Offer the lender a deed in lieu of foreclosure.

If efforts have been made to sell the house with-out results, a homeowner can propose handingover the deed to the home and the lender agreesto release him or her from themortgage. Lendersmay only agree to this if an unavoidable hard-ship was the reason a person is facing foreclo-sure.

Facing Foreclosure: Avoidforeclosure with these strategies

PAGE 6 | SPECIAL EDITION

Real Estatewww.SDNEWS.com | Vol. 1 Issue 3San Diego Community Newspaper Group THURSDAY, OCTOBER 28, 2010

LA JOLLA

VILLAGE NEWSON THE

MARKET

Beautifully upgraded with crown molding, granite

kitchen, recessed lighting, chef’s stainless steel

appliances, top-of-the-line Pella windows, added

insulation, marble shower for 2, etc. Unique floorplan

has the bedrooms on the main floor and living space

along with balcony on the second floor in order to

take advantage of the striking ocean views. Great

Value, Must See. CLA with questions or to schedule a

showing – (858) 566-3262 or (858) 945-3004

Dana Horne Luxury Vacation Rentals – Now in La JollaSpecializing in two bedroom, two bathroom, Oceanview Condos. Nightly, Weekly, Monthly,and Long Term Rates Available. Call (800) 937-3557 or visit www.dhrealty.com for details.

Dana Horne Realty858.566.3262 • danarealty@aol.com

DRE Lic#'s 01819210 / 00773028

Ocean V

iew

Condo i

n The Vi

llage

Panoram

ic Sit-

Down Oc

eanView

s

350 Prospect Street • $900K to $1M

This luxurious Penthouse unit puts you in the heart of

La Jolla Village and is loaded with value-added features

including upgraded granite kitchen with gorgeous

custom cabinetry, stainless steel appliances, culinary

grade sink and more. Beautiful crown molding and

upgraded baseboard. Adjacent to Children’s Pool, easy

walk to all in The Village. Gorgeous, Must See!

909 Coast Boulevard #27 • $1,299,000

Just as it was only a generationagowhena computer filled an entireroom, we've come a long way fromthe days when the average homewasted vast amounts of energy.Many older houses still do -- due

mainly to antiquated buildingmeth-ods rather than occupant neglect --so if you're about to build yourdream home, it's worth knowingthat there are somehighly advancedconstruction options available.Many of themwill ensure the lowestmaintenance costs during yourownership plus the very best resalevalue later."Where in the past a house was

created by parts and pieces, the focusnow is on integrated systems forwalls, ceilings and floors," saysToddBlyth at Nudura, a leading name inconstruction technology. "Take alook at our system for buildingwallsas just one example. It replaces theinefficient wood 'stick' method withpre-assembled, interlocking con-crete forms."Once locked together (like Lego),

the homeowner gets a solid, mono-lithic building envelope which isknown to cut energy bills up to 70percent. Indoor comfort is improvedsince wood-rot and mold is con-trolled. Drafts and cold spots areeliminated and this kind of concretewall is recorded to be up to threetimes more sound resistant, fourtimes more fire resistant, and ninetimes stronger."

Builder Quick TipIn past decades, the most energy

efficient buildings and homes inNorth America have been built withthis ground-breaking system(www.nudura.com) and, accordingto Blyth, every year more and morebuilders aremaking the big change.A snapshot of the construction:• Pre-assembled concrete buildingformsmakewall construction easi-er and faster for contractors, design-ers and engineers.• Thepatented fastening strips insidethe panels ensure no compressionduringplacement and securely lockthe forms into place.• The innovative 'hingedweb' lets theforms to be shipped flat, allowing40percentmoreof themona truckcompared to outdatedmethods.• Time is eliminatedand the compactdesignallowsoneperson the abilityto easily carry36square-feet of wallform from the truck to the storagearea.• In one building step, place 12square-feet of wall. Installation isfaster, with less waste and reducedseams.• A patented foam interlock allowsthe formtobe4-way reversible.Thisautomatically doubles the usagewhenever a half height form maybe required. It virtually eliminateswastewhenconstructinggable endwalls, sincebothhalves canbeused.

Building Technology News:Post-modern homes aresystems of efficiency

SPECIAL EDITION | PAGE 7

Real Estatewww.SDNEWS.com | Vol. 1 Issue 3San Diego Community Newspaper Group THURSDAY, OCTOBER 28, 2010

LA JOLLA

VILLAGE NEWSON THE

MARKET

* “Two out of three La Jolla

residents prefer the La Jolla

Village News as their number

one source for local news and

information”.

* Audit performed by CVC (2005) shows65.1% of residents of La Jolla prefer theLa Jolla Village News over The La Jolla Light.

SAN DIEGO COMMUNITY NEWSPAPER GROUP4645 CASS ST., 2ND FLOOR, SAN DIEGO, CA 92109PHONE 858.270.3103 • FAX 858.713.0095www.sdnews.com • sales@sdnews.com

Thank you for making us La Jolla’s preferred*newspaper.

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bay parkSun 1-4pm . . . . . . . . . . . . . . . . . . .3212 Donley St. . . . . . . . . . . . . . . . . .3BR/3BA . . . . . . . . . . . .$1,100,000 . . . . . . . . . . . . . . . . . . . . . .Joseph Dyal • 619-850-3335

tierrasantaFri 3-5pm . . . . . . . . . . . . . . . . . . . .10180 Gayuba Lane . . . . . . . . . . . . . .2BR/2.5BA . . . . . . . . . . .$343,000 . . . . . . . . . . . . . . . . . . . . . . . .Filly Gaines • 858-699-6556

university citySun 1-4pm . . . . . . . . . . . . . . . . . . .4508 Benhurst . . . . . . . . . . . . . . . . . .3BR/2BA . . . . . . . . . . . .$699,900 . . . . . . . . . . . . . . . . . . . . . . .Maria Enlow • 760-274-4715Sat & Sun 1-4pm . . . . . . . . . . . . . . .2819 Angel Ave. . . . . . . . . . . . . . . . .3BR/3BA . . . . . . . . . . . .$670,000 . . . . . . . . . . . . . . . . . . . . . .Brenda Wyatt • 858-775-7333

open house directory

PAGE 8 | SPECIAL EDITION

Real Estatewww.SDNEWS.com | Vol. 1 Issue 3San Diego Community Newspaper Group THURSDAY, OCTOBER 28, 2010

LA JOLLA

VILLAGE NEWSON THE

MARKET

For over eight decades this Grande Dame haswelcomed visitors to San Diego Bay. With rollinglawns, expansive gardens and memorable sgraffitofaçade, the very presence of this magnificent homeharkens back to an earlier day when San Diego’sleading families first began calling La Playa home.This one has it all, including tennis courts and aboat dock. Call for an appointment to see thisfine piece of history.

Open Sunday 1-4

Mirna Carson, Coastal Specialist • 619.218.1464 619.995.4104 • Bunny Clews, GRIDRE 01062264 DRE 00467619