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Where to Explore When you Move to San Diego

Laid-back, hip, and perpetually sunny, San Diego is a slice of beachy paradise—and a hotbed of wonderful culture, worldly cuisine, shopping, and nightlife. Apart from well-known attractions like the famed San Diego Zoo and the iconic Balboa Park, there are numerous art galleries, quirky-cool museums, and high-end eateries to discover. If you’ve just taken a leap and moved to the area, check out these top places to explore in San Diego!

Arts & Culture

San Diego is a city in which the arts, in all their forms, are widely beloved. From well-established museums to small-scale galleries, these are the top arts & culture experiences to have when you visit San Diego:

Visit world-class art museums.

San Diego Museum of Art
San Diego Museum of Art

Though Balboa Park is touristy, the San Diego Museum of Art and the Timken Museum of Art are must-see destinations for serious art lovers. The former attraction houses masterworks by Rembrandt and Jacques-Louis David, and the latter has works by dozens of popular American painters, from Georgia O’Keefe to Stuart Davis. Fight the crowds or go on a weekday; both museums are well worth it. Either way, you’ll avoid San Diego traffic, as Balboa Park is a highly walkable area. Park your car in a convenient lot and leave it for the day!

See Chicano murals.

In the neighborhood of Barrio Logan, you’ll find Chicano Park, which features the biggest collection of Chicano murals in the world (there are over 80 paintings on seven acres), as well as several art galleries and shops. Head here in the daytime to be able to appreciate the true vibrancy and beauty of the murals.

Stroll around an artsy neighborhood.

In North Park, art loving-travelers can experience an abundance of cool street art, in addition to galleries and studios, performance art spaces, and under-the-radar concert venues.

Dining & Drinks

Historically influenced by Mexican cuisine, the food scene in San Diego is thriving and growing all the time. The city is now home to a variety of farm-to-table restaurants, top French and Italian eateries, and some of the best fresh seafood in the country. And the drinking scene is diverse, as well. Take your pick from upscale oceanfront cocktail bars, neighborhood watering holes, and over 150 craft breweries.

Little Italy in San Diego

Little Italy in San Diego
Little Italy in San Diego

The best place to get an all-around feel for the local food & drink scene is the lively, cool Little Italy neighborhood, where you’ll find a plethora of awesome eateries, cool coffee shops, wine bars, craft brew pubs, and more. Stroll through the buzzing Mercato Farmers’ Market on a Saturday to sample fresh-baked bread, locally-made jams, farm-fresh produce, and other artisanal foods from over 175 farmers and vendors. This is the city’s biggest downtown market, and it’s definitely a local fave spot.

Also in Little Italy, James Coffee Co. is the perfect spot to enjoy handcrafted roasted coffee blends, Bottlecraft Beer Shop & Tasting Room has excellent local brews, and Craft & Commerce has tasty small plates (think grilled oysters, charred eggplant dip, and marinated olives) and craft cocktails. Even a drive down the main drag, India Street, is a great way to explore the area.

Here are three other can’t-miss San Diego food & drink experiences:

Check out a hip food market

At Liberty Public Market, a 25,000-square-foot public market in Point Loma’s Liberty Station, visitors can peruse a dazzling array of food and goods from 30 local chefs and artisans—there’s also live music every week, and a dog-friendly market patio every Sunday.

Sample the best tacos in the city. 

Best Tacos in San Diego
Best Tacos in San Diego

Craving tacos? Look no further than El Paisa Mexican Grill, easily one of the most beloved taquerias in the city—they make their own tortillas here, and you can pretty much get any type of taco you want.

Dine at a five-star French hotspot.

And for those who want to splurge on a decadent five-star meal during their trip? Make a reservation for Addison, a critically acclaimed Grand Del Mar resort with incredible dishes like langoustines with caviar and parsley and mussels with green curry, as well as a killer wine list.

The Outdoors

It’s near-impossible to go to San Diego and not spend some time at the beach—not only is the weather here perma-beautiful, but the city boasts over 70 miles of scenic coastline punctuated by pristine beaches, rugged cliffs, and gorgeous blue-green bays. Take a drive out to one of the many beaches. Although you can’t really go wrong with any of the beaches here, there are a few standout spots to check out:

La Jolla Cove
La Jolla Cove

La Jolla Cove is the place to be if you want to try your hand at snorkeling or scuba diving—this tiny gem of a beach has crystal-clear waters and exciting marine life, like the bright orange Garibaldi fish.

Ocean Beach feels like 70s-era hippie California, with its barefoot surfers, funky beach communities, and collection of novelty and vintage shops. Head here if you’re into bohemian vibes, oceanfront live music, and boho-chic boutiques.

At Mission Beach, you’ll find over two miles of oceanfront boardwalk, tons of surf shops, and an old-school amusement park right on the water. In other words, it’s pretty much impossible to get bored at this bustling, action-packed beach.

Finally, although Coronado Beach is a bit touristy, it’s well worth a visit—with the postcard-perfect Hotel del Coronado, sparkling white sand, and the city skyline in the background, it’s the quintessential San Diego beach.

All in all, San Diego is chock-full of exciting culture, cuisine, and nightlife—and, not to mention, some of the most stunning beaches in the country. Whether you’re looking for the ideal romantic getaway, a great place to spend the weekend with friends, or the perfect family-friendly destination, San Diego has a little something for everyone.

Knowing Why You’re Selling

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If you know exactly why you are selling then it is easier for you to follow the right plan of action for getting what you want.

If you are a seller who needs to close a sale as quickly as possible, then you should know that getting the highest price possible is not one of your priorities. It does not mean that you won’t or cannot get the highest price, but it means that the price is not the deciding factor. A buyer who can give you a quick closing time will appeal much more to you than a buyer who can offer you more money but the negotiation and closing time drag on.

Image result for home offersIt’s always good to know how low you will go in terms of selling price. This will help to eliminate some of the offers that you find simply offensive or ridiculous. Even though you should consider all offers seriously and take into consideration the terms of each offer, sometimes, if you know the bottom line and are strict about it, you can save yourself time.

Once you know what your limits and reasons are, discuss them with your agent so that they can help you set your goals realistically. If you decide to list your home on your own, make sure you do research on the current market, and you get the proper advice you need in terms of legal issues, etc. The key is to be realistic and know what your goals are so they can be met.

Where Does the Money Come From for Mortgage Loans?

Image result for mortgage loan

In the olden days, when someone wanted a home loan they walked downtown to the neighborhood bank or savings & loan. If the bank had extra funds lying around and considered you a good credit risk, they would lend you the money from their own funds.

It doesn’t generally work like that anymore. Most of the money for home loans comes from three major institutions:

Image result for fnma fhlmc gnma

  • Fannie Mae (FNMA – Federal National Mortgage Association)
  • Freddie Mac (FHLMC – Federal Home Loan Mortgage Corporation)
  • Ginnie Mae (GNMA – Government National Mortgage Association)

This is how it works:

You talk to practically any lender and apply for a loan. They do all the processing and verifications and finally, you own the house with a home loan and regular mortgage payments. You might be making payments to the company who originated your loan, or your loan might have been transferred to another institution. The institution where you mail your payments is called the servicer, but most likely they do not own your loan. They are simply servicing your loan for the institution that does own it.

What happens behind the scenes is that your loan got packaged into a pool with a lot of other loans and sold off to one of the three institutions listed above. The servicer of your loan gets a monthly fee from the investor for servicing your loan. This fee is usually only 3/8ths of a percent or so, but the amount adds up. There are companies that service over a billion dollars of home loans and it is a tidy income.

At the same time, whichever institution packaged your loan into the pool for Fannie Mae, Freddie Mac, or Ginnie Mae, has received additional funds with which to make more loans to other borrowers. This is the cycle that allows institutions to lend you money.

What Freddie Mac, Ginnie Mae, and Fannie Mae may do after they purchase the pools is break them down into smaller increments of $1,000 or so, called mortgage-backed securities. They sell these mortgage-backed securities to individuals or institutions on Wall Street. If you have a 401K or mutual fund, you may even own some. Perhaps you have heard of Ginnie Mae bonds? Those are securities backed by the mortgages on FHA and VA loans.

These bonds are not ownership in your loan specifically, but a piece of ownership in the entire pool of loans, of which your loan is only one among many. By selling the bonds, Ginnie Mae, Freddie Mac, and Fannie Mae obtain new funds to buy new pools so lenders can get more money to lend to new borrowers.

And that is how the cycle works.

So when you make your payment, the servicer gets to keep their tiny part and the majority is passed on to the investor. Then the investor passes on the majority of it to the individual or institutional investor in the mortgage backed securities.

From time to time your loan may be transferred from the company where you have been making your payment to another company. They aren’t selling your loan again, just the right to service your loan.

There are exceptions.

Loans above $333,700 do not conform to Fannie Mae and Freddie Mac guidelines, which is why they are called non-conforming loans, or “jumbo” loans. These loans are packaged into different pools and sold to different investors, not Freddie Mac or Fannie Mae. Then  Image result for mortgage bankingthey are securitized and for the most part, sold as mortgage backed securities as well.

This buying and selling of mortgages and mortgage-backed securities is called mortgage banking, and it is the backbone of the mortgage business.

Coastal Premier Properties, Inc | 12625 High Bluff Dr #102 San Diego, CA 92130 | 858.755.4663 | CA BRE # 01861547

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