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  • Review of all things Real Estate: What factors influence mortgage interest rates?

    Bob Hillery, CR Properties|Updated Feb 9, 2024

    When searching for a loan, most borrowers will seek the one that offers the lowest mortgage interest rate. A low interest rate means less expensive monthly payments, so the borrower will be saving money over the life of the loan. Below are the common factors that influence mortgage interest rates. One of the largest contributors to a mortgage rate is the borrower’s credit score report. A credit score is a summary of your borrowing history, including any late payments, i...

  • County advertises for bids to resurface 24 Greater Fallbrook road segments

    Joe Naiman, Village News Reporter|Updated Feb 9, 2024

    San Diego County approved the advertisement for bid and subsequent award of contracts to resurface road segments throughout the county including 24 road segments in Greater Fallbrook. The San Diego County Board of Supervisors voted 5-0 Wednesday, Jan. 24, to authorize the director of the county’s Department of Purchasing and Contracting to advertise and award multiple construction contracts and to take other actions related to contracting for asphalt concrete overlay and slurry seal treatment projects on the roads. The l...

  • Hundreds of volunteers join annual point-in-time count

    Updated Feb 1, 2024

    Fernanda Lopez Halvorson County of San Diego Communications Office Once a year, around 1,500 volunteers walk the streets of San Diego County before the sun comes up as part of the region's Point-in-Time Count to find people experiencing homelessness. The annual survey, called We All Count, is led by the Regional Task Force on Homelessness and provides a one-day count of the number of people experiencing homelessness in San Diego County, including those in emergency shelters...

  • Review of all things Real Estate

    Bob Hillery, CR Properties|Updated Feb 1, 2024

    Let’s say that your home is in the perfect location, you've already updated the interiors and painted your doors and walls in popular, sought-after colors all to raise your property's value. What else can you do to squeeze out an even bigger payday once you decide to sell? It's time to turn your attention to landscaping. But landscaping can be very expensive. Several years ago when I investigated doing a backyard makeover, I interviewed a landscape engineer who came highly r...

  • When should you consider a new home?

    Jane Kepley, Special to the Village News|Updated Feb 1, 2024

    As a homeowner, there may come a time when your current home just isn’t what you need it to be. You might be able to update or add on to your property, but that may not be enough to change the circumstances. In some scenarios, buying a new place is the only viable option. But how do you know when you’ve hit that point? Here are four situations in which you should consider whether a new place is the right choice. 1. A changing household: Whether you’re having more child...

  • 2024's Cities With the Biggest Yards

    Updated Jan 25, 2024

    Sav Maive LawnStarter Where can you be a city dweller in a house with a nice big yard? With mortgage interest rates decreasing – aka more financial bandwidth to buy a bigger property – LawnStarter ranked 2024’s Cities With the Biggest Yards. We compared the 2,000 biggest U.S. cities based on the average yard sizes of single-family homes from the Federal Housing Finance Agency. Plan your next move with our ranking below. First, we determined the factors (metrics) that are most relevant to rank the Cities With the Bigge...

  • FCPG recommends Orange Avenue stop sign at Kalmia Street

    Joe Naiman, Village News Reporter|Updated Jan 25, 2024

    The Fallbrook Community Planning Group has recommended that the County of San Diego provide a stop control for northbound Orange Avenue traffic at Kalmia Street. The recommendation was approved on a 12-0 vote Jan. 16. Steve Brown and Tom Harrington were absent. Roy Moosa, who chairs the planning group’s Circulation Committee, abstained. “That just came from somebody who has concerns,” said FCPG Chair Eileen Delaney. If a community member desires a regulatory change for a public road and the request is made to the county’s Dep...

  • Down payment using my tax return?

    Updated Jan 25, 2024

    FALLBROOK – Have you been seriously looking into buying a home this year but struggling to come up with a down payment? One thing you can consider is using your tax refund. It’s actually common for many first-time homebuyers to use their tax refunds as a viable down payment option during tax season. Benefits of using your tax returns for down payment: Maximizing purchasing power. This boost in down payment fund allows you to secure the home of your dreams, even better if you have saved up some money for down payment bef...

  • Zoning Administrator approves Minor Use Permit for Gum Tree Lane preschool

    Joe Naiman, Village News Reporter|Updated Jan 25, 2024

    The county’s Zoning Administrator approved a Minor Use Permit to convert a single-family home in the 2100 block of Gum Tree Lane into a preschool. The Jan. 18 decision of Conor McGee, who was the Zoning Administrator that day, allows a preschool with up to 50 children although typical operations will involve approximately 30 children up to 6 years old along with five employees. The permit also limits the school portion of the 20.26-acre parcel to the 3.7 acres which have been graded and include the single-family residence. T...

  • Review of all things Real Estate: Four things that will decrease the value of your home

    Bob Hillery, CR Properties|Updated Jan 25, 2024

    Our market activity indicator currently is 45 which means we are in a neutral to slight seller’s market. I came across some tips that talked about what people do (or don’t do) to their properties that actually decrease the value of their homes which, in a neutral market, is not the prudent thing to do. Let’s take it from the first impression. The value of a curb appeal cannot be overemphasized since there is only one chance to make a first impression, and a lot of that first i...

  • How can you build up your home equity?

    Jane Kepley, Special to the Village News|Updated Jan 18, 2024

    As a homeowner, you have the opportunity to build equity, which is the financial interest you have in your home. When your equity grows, it can mean bigger profits once you sell your house. Your equity can also be borrowed against using home equity loans or lines of credit and cash-out refinances, which you can then use to cover the costs of home repairs, pay off debt or achieve other financial goals. But how exactly do you build up equity? Here are four strategies: 1. Make a...

  • Review of all things Real Estate: What real estate market are we in right now?

    Bob Hillery, CR Properties|Updated Jan 18, 2024

    For starters, the market activity indicator remains at 46. To refresh, 30 is the threshold from buyer’s market to neutral market and 48 is the threshold from neutral market to seller’s market so we’re in a neutral to slight seller’s market. And what are we seeing at ground level? All of the listings in our office are getting showings; lots of showings and properties are going into escrow, and mostly they are closing, if the buyers are properly vetted. We are also seeing...

  • County program helps qualifying first-time homebuyers

    Updated Jan 18, 2024

    Cassie N. Saunders County of San Diego Communications Office The County of San Diego's Down Payment and Closing Cost Assistance Program helps first-time home buyers whose income is 80% or less than the annual area median income, which ranges from $77,200 or less for a single adult, to $110,250 for a family of four and $145,550 for a family of eight. The program offers low interest loans with deferred payments. The loans may be as much as 22% of the sales price for the down pay...

  • Pacific Manufactured Homes employee receives Lifetime Achievement Award

    Updated Jan 11, 2024

    SAN MARCOS – San Marcos resident Martha Kerr, an employee of Pacific Manufactured Homes, was recently awarded a Lifetime Achievement Award from the California Manufactured Housing Institute – a nonprofit organization that started in 1937. In attendance at the awards ceremony were 200 leaders in the manufactured home industry. Kerr began her career in the manufactured home business as a bookkeeper at the young age of 31 back in 1979. In the last 44 years, she has held titles fr...

  • Review of all things Real Estate: Happy 2024, news you might find interesting.

    Bob Hillery, CR Properties|Updated Jan 11, 2024

    Good January day readers, I hope this week’s article finds everyone happy and healthy with the anticipation of a pleasant and prosperous 2024. Today’s article will hit some wavetops because there hasn’t been significant real estate activity to discuss lately. First and foremost, in response to inquiries, yes, we did get married over the holidays. The former Miss Dianna Branch and I exchanged vows at a smallish backyard ceremony on Friday 22 December. It was super cool as Diann...

  • Can I use my 401K to buy a house?

    Elisabeth Lentulo|Updated Jan 10, 2024

    FALLBROOK – Achieving homeownership is an aspiration for many Americans, yet it can pose considerable challenges. If you find yourself lacking funds for a down payment, one alternative is to utilize your 401(k) for the purchase of a house. Yes, in certain situations, you can use your 401(k) to buy a house. The Internal Revenue Service (IRS) allows for penalty-free withdrawals from your 401(k) for a first-time home purchase. Here are some key points to consider: First-time h...

  • Review of all things Real Estate

    Bob Hillery, CR Properties|Updated Jan 4, 2024

    Belated Merry Christmas and Happy New Year. My last article closed with a note that I would be absent from writing my weekly article until after the holiday season. I did, however, keep up with my reading and kept my finger on the pulse of real estate so when I returned I would have current information to share. To catch everyone up, the Market Activity Report remained steady since my last article in mid-December, hovering between 43-44. As previously discussed, that puts our...

  • Avoid these 4 common homebuyer regrets

    Jane Kepley, Special to the Village News|Updated Jan 4, 2024

    Buying a home is always a big decision, but with higher mortgage rates and rising home prices, today’s homebuyers seem to face even higher stakes. Want to ensure you buy a house that makes you happy, get a mortgage you can afford, and make the best moves for your future? Read on to learn some of the most common homebuyer regrets – and how you could steer clear of them. Regret: Paying a too-high interest rate. A higher mortgage interest rate means a higher monthly payment, whi...

  • Fighting to reduce water bills has been the focus of 2023 for FPUD

    Updated Dec 28, 2023

    FALLBROOK – This year, we at the Fallbrook Public Utility District have been concentrating on doing everything we can to save you money. We've heard you, our customers, say that water costs are too high – unsustainable. We listened. And four years ago, we set out on a course to make a change. A big one. We began working together with Rainbow Municipal Water District to change water suppliers – a move that will save both districts about $7.6 million a year. It was a feat that...

  • Time to replace old wiring?

    Updated Dec 28, 2023

    Old homes can be charming and contain architectural elements not often seen in many modern housing developments. But what older homes may have in design appeal, they may lack in updated features. While cosmetic changes are not necessarily difficult, one area of concern in historic homes – and sometimes even in houses built 40 or 50 years ago – is archaic wiring. Wiring provides power to every room of the home. In today's electronics-driven society, electricity that works is an essential component of daily life. Over tim...

  • Mid-year budget adjustments fund river park, community center park

    Updated Dec 28, 2023

    Joe Naiman Village News Reporter The mid-year budget adjustments approved Tuesday, Dec. 5, by the San Diego County Board of Supervisors established additional funding for the future San Luis Rey River Park and the Fallbrook Community Center park. The supervisors’ 5-0 vote budgeted additional amounts of $2,653,624.63 for the river park and $100,000 for the community center park. The action also corrected an insufficient appropriation to the North County Fire Protection district from assessments collected from the Horse C...

  • RMWD approves lift station construction management contract change order

    Updated Dec 28, 2023

    Joe Naiman Village News Reporter The Rainbow Municipal Water District board approved a change order to the construction management contract for the replacement of Lift Station No. 1. The board’s 5-0 vote authorizes a change order with Valley Construction Management which adds $216,413 to the contract amount. The change order also extends the contract term through March 29, 2024. Lift Station No. 1 is off of Old River Road and delivers sewage effluent to the City of Oceanside, which has an ocean outfall. The package lift s...

  • How to care for fresh holiday wreaths

    Updated Dec 21, 2023

    Majestic Christmas trees garner the lion’s share of the decorative fanfare when the holidays arrive. Trees may be the focal points of holiday decor, but the humble wreath adorning the front door is the first decoration guests are likely to see when visiting a home. Wreaths may need some care to maintain their beauty all month long. Here are some tips to help holiday wreaths last as long as possible. Choose a wreath wisely When shopping for a wreath, choose freshly cut greenery that you assemble yourself; otherwise, look f...

  • Pepper Tree/Calavo speed limit to be lowered

    Updated Dec 21, 2023

    Joe Naiman Village News Reporter The speed limit on Pepper Tree Lane and Calavo Road between McDonald Road and Stage Coach Lane will be lowered. A 4-0 San Diego County Board of Supervisors vote Wednesday, Dec. 6, with Terra Lawson-Remer absent, approved the first reading and introduction of an ordinance to reduce the speed limit from 40 mph to 35 mph and certify the new speed limit for radar enforcement. The second reading and adoption of the ordinance is scheduled for Wednesday, Jan. 10. If the second reading and adoption...

  • Supervisors increase security bond amount, grant time extension for Palisades Estates

    Updated Dec 21, 2023

    Joe Naiman Village News Reporter The San Diego County Board of Supervisors approved an increase of the security bond amount for the Palisades Estates subdivision which includes a portion of the Bonsall Community Planning Area while also extending the time to complete the required improvements. The supervisors voted 4-0 Wednesday, Dec. 6, with Terra Lawson-Remer absent, to approve the amendment to the security agreement. The time extension creates a Dec. 6, 2025, deadline to complete the infrastructure improvements although...

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