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Is a 15 Year OR 30 Year Mortgage Loan Better For You?

February 9, 2017

Home finance


From MDC Financial Service Group

If you’re looking to buy a home, one of the biggest decisions you’ll make is whether to go with a 15-year or a 30-year mortgage loan. There are some simple and straight forward mortgage calculators available online that will give you a good ballpark figure of what you can expect to be out each month based on which mortgage option you select, however, they are other things to take into consideration besides your monthly mortgage payment. An experienced mortgage professional will be able to guide you through the differences between a 15-year and a 30-year loan, but we’ve also collected some factors to think about when deciding what is best for you and your family.

What are the key differences between a 15- and 30- year loan?

The most obvious difference is the term of the loan. Additionally, generally 15-year loan terms will come with lower interest rates. The shorter term of the 15-year mortgage means that you’ll make higher mortgage payments each month, but you’ll save in the long term via both the lower interest rate you’ll have on your shorter-term loan and also because you’ll pay more towards the principal each month and you’ll pay less in overall interest than you would on a 30-year loan. Did you know that you might pay almost double with a 30-year mortgage over what you would pay on the same mortgage that’s a 15-year term? What would you do with the savings?!

Some people assume at first that your monthly mortgage payment on a 15-year mortgage will be double what it would be on a 30-year mortgage, but this simply isn’t the case. 15-year mortgages generally come with a payment that’s about 45-50% higher than it would be spread over 30 years – though you’ll want to consult a mortgage professional to determine mortgage payment amounts for your unique purchase and financial situation. For example, if you took out a $200,000 loan at 4% interest, you would expect to pay about $1475 each month for 15 years, or $955 a month for 30 years. As you can see, paying roughly an additional $500 a month will net you a home that’s paid off in just 15 years.

What are some considerations when deciding between a 30-year or 15-year mortgage?

You’ll want to talk to your lender and weigh any original fees, closing costs or other fees accompanying the loan and whether those amounts may vary between 15 and 30-year term mortgages. Also, you’ll want to look at where you’re at financially and in life: will you be nearing retirement in 15 years or in another position where having a paid-off home would be more benefit? Could you get a better rate of return investing the additional money you would have put towards your home, making a 30-year mortgage the better financial option? Do you have enough income and liquid savings to comfortably swing the additional mortgage payment each month that comes with a 15-year loan?

We suggest talking to a mortgage professional before deciding which loan is best for you. An experienced lender will be able to adequately evaluate your financial situation and discuss your concerns in order to help you make the best decision for you and your family.


Consider me your #1 resource for all things Real Estate! Selling, buying, upsizing, downsizing, relocating, investing, vendor referrals, shoulder to cry on during renovations and more.  Just send me an email or call me at 619-888-2117. 

Real Estate Forecast for 2017

January 30, 2017





Another year has come and gone so it is time to reflect on what was and what may be!

The year 2016 was unprecedented in many ways and the housing market road the wave-experts anticipated increased building activity but production was still inadequate, prices appreciated beyond expectations with many crossing the 2006 peak mortgage rates toyed with record lows before crossing 4% for the first time in two years.

Here are some trends that shaped our state’s residential real estate market:

  1. Tight inventories. Many homeowners were too nervous to enter the competitive market and cautious of what they might face as home buyers. I helped six clients successfully sell their    current home and buy their new home, most without having to move twice. Through teamwork and strategy it can be done!
  2. Lower home ownership rates. Rates hit a 50 year low, with California hovering at 54%, compared to 63.5 % for the country as a whole (Mortgage Bankers Association). Decreased affordability and millennials delaying purchases were likely the biggest culprits.
  3. Low mortgage rates. Despite a predicted rise, rates continued to go down to near historic lows. Brexit and other news events were contributors. Refinances went up and buyers got more bang   for their buck.
  4. Transaction delays. When the Consumer Financial Protection Bureau required new disclosure forms in October 2015 (TILA-Respa Integrated Disclosure) delays were anticipated.  However, the forms created more clarity and technology adapted well for smoother transactions, with in most cases, only slight delays.
  5. Increase in outmigration. More Californians left in 2016 than since 2011 (California Department of Finance).The silver lining is more inventory from homeowners who leave and sell.

According to Forbes here are eight things housing experts expect to see in 2017:

  1. Prices will continue to rise slowly. Prices rose every month last year (through October) with the largest gains coming in the later half and a 5.61% increase nationally.
  2. Affordability will still be a challenge.  Wages are expected to grow in America’s big cities this year, but the share of homes affordable to someone earning the median income is not. This trend, which has stymied many aspiring to buy their first home, will be intensified by a continued shortage in low- to moderate-priced inventory and rising mortgage rates.
  3. Mortgage rates will fluctuate. The two major political events of 2016 set mortgage rates moving in opposite directions. The British vote to exit the European Union put rates near a record low and the U.S. election of Donald Trump had the opposite effect, sending rates above 4% for the first time in two years. By historic standards rates are still low. In 2017 experts expect movement, but differ on where the 30-year fixed rate will land. Estimates range from between 3.75% and 4.6%–not so far from where it is today.
  4. Credit availability will likely improve. Early Trump administration priorities are not expected to deal directly with housing. However, the president-elect and his team have made it clear they hope to roll back much of the post-crisis financial regulation laid out in the Dodd-Frank Act. This could open up banks to lend more freely to a wide-range of would be buyers. There is speculation that Trump would return government- controlled mortgage companies Fannie Mae and Freddie Mac to private control. Investors cheer the possibility some housing economists worry such a move would further restrict who could get credit.
  5. Supply will improve but remain short.  Declining inventory was the defining feature of the housing  market in 2016. It led to price appreciation, a hyper fast market for buyers, and discouraged would-be-sellers who feared entering the buying fray. A complete turnaround is unlikely in 2017, but there are some signs we could see a small bump in housing supply on the new home front. When it comes to existing       homes “rate lock” may constrain inventory. Homeowners who locked in a mortgage below 4% are likely to stay in low priced homes rather than upgrade, a pattern that last emerged when rates briefly rose in 2013.
  6. More Millennials will become homeowners. According to some estimates, nearly half of buyers are under age 36. Not every economist agrees with this assessment, however it is clear that Millennials (born after 1980 and now the largest adult generation) will continue to make up a growing part of the buyer pool.
  7. Competition will grow fiercer. Sellers will maintain the edge over buyers as demand increases.
  8. Political uncertainty will be replaced with policy uncertainty. Experts agree that three of the President’s priorities could impact the housing market: pledges to spend more on infrastructure, to cut taxes and to crack down on immigration. The consensus is that in the very short term any moves in these areas could have a neutral-to-positive impact on the housing market. Over the longer term opinions vary.

In San Diego the news was good overall- values increased, a majority of properties sold at or over list price, market time shrunk. Low inventory though meant stiff competition and some delays in finding the right property. See the December/year to year statistics.

If you have any future plans you have been keeping secret, now may be the time to review the value of your property with me and I can provide you with a Seller’s Estimated Net Sheet. Sellers that act on their plans to up-size, down-size, change neighborhoods and/or move out of San Diego will create more inventory for all Buyers (including themselves)!



Market @ A Glance: January 2017 Edition

January 26, 2017



Here is the latest scoop on our national, state and local housing markets.  For specific information on your neighborhood or a market analysis on your home, please send me an email or call me at 619-888-2117.


For the country existing-home sales closed out 2016 as the best year in a decade.

In California sale prices at the end of 2016 were the highest since 2007.

San Diego’s inventory was drastically down in year-over-year comparisons along with days on market and months of supply. Meanwhile, sales and prices were up in most markets.






What Matters to Home Buyers

January 19, 2017

Consider me your #1 resource for all things Real Estate! Selling, buying, upsizing, downsizing, relocating, investing, vendor referrals, shoulder to cry on during renovations and more.  Just send me an email or call me at 619-888-2117. 



10 Essential Questions to Ask When Buying a New Home (That You May Have Missed)

January 12, 2017



By: Lisa Johnson Mandell, ClientDirect

You’ve finally found it: a home you’re swooning over and dying to own. From the exposed ceiling beams to the hardwood floors, this feels like the place. So what’s next? Don’t just stand there dumbstruck; it’s time to dig deeper and ask questions—and not just the kind that randomly pop into your head, either. You need to hit all of the necessary topics head-on, and some of them are not so obvious.

But you’re in luck: We’ve pulled together a checklist of some of the most important initial questions to ask when buying a home:

What is the home’s sales history?
When was the last time the house sold, and how much did the current owners pay for it? This is essential intel, and you don’t even have to ask the seller or your real estate agent about it, because it’s posted on every MLS listing. All you have to do is scroll down to find it. But make sure you know it.

When buying a home, the previous sale price will give you a sense of what the sellers might expect you to pay—but keep in mind that a home’s true market value is based more on what comparable homes are selling for now rather than what it went for in the past, says Los Angeles Realtor® Jennifer Niman of Berkshire Hathaway HomeServices. Sales history will also show you whether the home’s price has been trending up or down over time, which can help you hone your negotiating stance.

Did the sellers make any major renovations or additions?
If they’ve overhauled the kitchen, added a bedroom, or finished the basement, you’ll want to know that—and, ideally, see receipts from contractors to get a sense of what they paid for these upgrades.

In general, this will give you a ballpark notion of how much money they’ve sunk into the home—and what they hope to get out. That said, don’t assume you have to fork over as much cash as they put in; home improvements generally reap only a 64% return on average. And that return on investment varies widely based on which renovation is done.

How much are the property taxes?
Property tax history is also typically available right on the listing detail page. If you can’t find it, ask the seller. You’ll want to find out what previous owners paid, but understand that the property tax, since it’s based on a percentage of the value of the house, will probably be affected by your purchase price. This could be a huge additional expense, and you’ll need to budget for that when putting together your offer.

What are the monthly maintenance and utility costs?
Is there any type of homeowners association fee? Find out. Also learn what kind of power the house uses, be it gas, oil, electric, or a combination, and ask what the average monthly bill for each is. Also inquire about water, waste removal, and any other utility costs that are applicable.

Has there ever been a broken pipe? Sewer backup?
This may sound trivial (not to mention unpleasant), but according to the Insurance Information Institute, broken pipes account for an estimated 22% of all home insurance losses. If the homeowner doesn’t ‘fess up, a good home inspector can probably find evidence of either one of these situations, so you might want to put these on your list of questions to ask your inspector, too.

How old is the roof?
The 2015 Remodeling Impact Report from the NATIONAL ASSOCIATION OF REALTORS® says the national median cost of an asphalt roofing replacement is about $7,600. It would be good to know how soon you might need to lay out that substantial amount of cash.

Have there ever been any pest infestations?
If there was an infestation, when were pest control procedures undertaken? No, this won’t necessarily mean the house is pest-free at the time you’re buying it, but it’s a good starting point to know the history. Many buyers require that termite treatment be included in the price; it’s easiest to tent for pest removal when the house is empty, between owners.

Are there warranties on the appliances, HVAC system, garage door, etc.?
And if so, can the homeowner provide the documentation? Ask for it. This can establish how old these features are, and give you an idea of when they might need to be replaced and how expensive it could be. It will also help you decide whether or not to buy a home warranty.

What are the parking restrictions around the house?
Will guests need parking permits? How many permits are you, as the homeowner, allowed, and can you obtain more if you decide to throw a party? Also, check out the parking situation on the property itself. Will your car(s) fit in the garage? Is there room to park anywhere else on the property other than the driveway?

Does the house have any kind of unusual history?
In many states, owners are legally bound to disclose if a death or major crime has occurred recently on the premises, but there are other circumstances you should be aware of as well. For example: Did anyone famous ever live there? Was it ever used in a film, TV series, or commercial? If so, you might have to deal with fans ringing your doorbell or driving by at all hours of the day or night.

Oh, and if the house has a history of being haunted or paranormally “stigmatized,” you might have a little extra negotiating power when buying a home. Thanks, ghosts.

Consider me your #1 resource for all things Real Estate! Selling, buying, upsizing, downsizing, relocating, investing, vendor referrals, shoulder to cry on during renovations and more.  Just send me an email or call me at 619-888-2117. 

17 Business Stories to Watch in 2017

January 5, 2017



By: San Diego Union Tribune, January 1, 20117 – Staff Writers

1: Nuclear energy

The San Onofre nuclear plant isn’t producing electricity anymore, but it will still generate headlines in 2017. A state superior court will hear a lawsuit in March challenging a decision by the California Coastal Commission to store some 3.6 million pounds spent nuclear waste on the facility’s site. And the original agreement shutting down the plant that left about 70 percent of costs on the shoulders of ratepayers is getting reviewed by the California Public Utilities Commission as well as in a case before a federal appeals court.

2: Qualcomm

Slowing smartphone sales have investors worried about long-term growth. Qualcomm rejected a break-up idea and got much larger, buying NXP Semiconductors and its share of the global automotive chip market, in a deal valued at $47 billion including the assumption of NXP debt. Now Chief Executive Steve Mollenkopf must integrate 44,000 NXP employees into Qualcomm’s 30,000, as well as keep investing heavily in the world’s transition to super-fast 5G technology.

3. ViaSat

Carlsbad’s ViaSat has bet more than $1 billion that satellites have a place in providing more bandwidth to the world. In 2017 engineers plan to launch the $625 million ViaSat-2, bringing 300 gigabits of capacity to its network. That’s about double the 140 gigabit capacity of ViaSat-1, which launched in 2011 and has about 700,000 residential subscribers, including Wi-Fi for commercial airlines such as American, JetBlue and United.

4: SeaWorld

When the Orlando-based company said in 2016 that it would end the captive breeding of orcas at its marine parks, the big question was whether that could revive the struggling business. San Diego will be on the vanguard in 2017 when it becomes the first of the three marine parks to replace Shamu with a show that focuses on the killer whales’ natural behaviors in the wild. Shareholders will applaud if the move reverses falling revenue and attendance.

5: San Diego Convention Center

With the November defeat of the Chargers’ ballot proposal to build a joint stadium and convention center downtown, backers of a contiguous expansion of the waterfront center are hoping to get the project back on track this year. But voters just rejected higher hotel taxes, and a lawsuit by attorney Cory Briggs challenges the legality of such construction in the coastal zone. Hoteliers have lots of persuading to do.

6. Ben Carson, home builder?

Life in San Diego County is heavily subsidized by the federal government, but that could change under Ben Carson, president-elect Donald Trump’s pick to head the Department of Housing and Urban Development. The county gets roughly $250 million a year just for Section 8 vouchers, and developers use federal tax credits to build subsidized housing. Carson, who grew up in subsidized housing, is a vocal critic of government handouts and could change how San Diego houses its poor.

7. Mortgage rates

Mortgage rates have already gone up since the election, boosting payments and making homebuying less affordable. Rates for a typical 30-year fixed rate mortgage were 3.59 percent the day before Donald Trump’s victory. It was 4.36 percent on Dec. 27 . With three more expected Federal Reserve rates in 2017, rates could continue to rise.

8. Tijuana

Tijuana is in the middle of building up to 2,000 new condos while the peso has continued to drop in value since the U.S. election. This lowers purchase costs for buyers using dollars, but makes imported materials and appliances more expensive. Despite claims from Mexican developers, many industry watchers wonder what will happen if money dries up during construction.

9. Rent prices

As of September, rent increased nearly 9 percent in a year but CoStar is predicting rent will rise just 3.6 percent in 2017. With less profit growth, more landlords may consider turning apartments into condos. If rent goes up more than expected, we may see louder calls for rent control, pressure on employers to find places for their workers, and a dip in local consumer confidence.

10. Financial markets

Stock investors will pay keen attention to clues that the “Trump Rally” foretells longer life for the bull market that began in 2009. With corporate profits fading at the end of 2016, high equity prices raise the odds of a correction. Meanwhile, higher U.S. interest rates have hurt bond values, causing paper losses for pension funds, insurance companies and retirees who rely on fixed-income investments. A Bank of England study said global markets had delivered the lowest interest rates in 5,000 years of recorded history. Bouncing off that bottom could rock the financial system.

11. Artificial intelligence and personal assistants

Alexa, will Apple release a voice-powered assistant for the home? Apple isn’t saying, yet consumers can expect the battle for the household to heat up among tech superpowers in 2017. Artificial intelligence will play a deciding role in which companies win or lose. Now that Amazon’s Echo is a public success story, Google is trying to transfer its search-giant smarts to the living room through Google Home. The biggest question mark is whether Apple will tap the original AI assistant, Siri, to enter the fray.

12. The Beachhead

San Diego is following the startup money trail to the Bay Area, where the San Diego Venture Group, with financial backing from the city, will operate a satellite office, dubbed “The Beachhead.” The venue, opening in January, is meant to help local tech businesses secure Silicon Valley-sized funding rounds from top-tier investors. But what can a five-desk office really accomplish in the nation’s tech mecca? We should find out by the end of 2017.

13. Navy Broadway Complex

Developer Doug Manchester hopes to begin construction this year on the $1.2 billion hotel-office-retail replacement for the Navy buildings that have dominated the foot of Broadway since the 1920s. Legal problems have stymied construction ever since Manchester won a 99-year lease in 2006, and there’s always a chance of further litigation.

14. Port development

Anthony’s Fish Grotto will close at the end of January and then a new Brigantine restaurant complex will go up next to the Star of India. Further design work and negotiations will take place at the port’s biggest redevelopments, Seaport Village and Harbor Island. And the first draft of a new master plan and environmental analysis will be issued.

15. A new plan for the old library

Civic San Diego is expected to announce early in the year who will win the contract to reuse the old Central Library at 820 E St. The building was vacated when the new, much bigger replacement opened a few blocks to the east in 2013. New ideas that have been considered include education, a startup business incubator and commercial uses.

16. Balboa Park

The Plaza de Panama no-parking plan has received renewed City Council approval to move forward with building a parking garage south of the Spreckels Organ Pavilion and divert cars from the Cabrillo Bridge via a bypass bridge from the west. But preservationists have filed a new lawsuit on environmental grounds, and supporters still have meet their $30 million target to cover their portion of the $79 million plan; the balance will come from the city. Construction is scheduled to begin later this year, headed for completion in 2019.

17. Commercial real estate

With vacancies dropping and rents rising, industrial development is hot with several projects expected to break ground. Office development is facing similar trends, yet a start on major high-rises has yet to announced. The retail sector will see the opening of the Westfield UTC mall expansion, but Westfield’s plans for a major redo to Horton Plaza remain unknown. The Pendry Hotel is opening early in the year in the Gaslamp Quarter, while several others are under construction, ready to start in 2017 or being proposed to meet San Diego’s rising business and tourist traveler demand.

U-T staff writers Mike Freeman, Dan McSwain, Phillip Molnar, Rob Nikolewski, Roger Showley, Jennifer Van Grove and Lori Weisberg contributed to this report.


Consider me your #1 resource for all things Real Estate! Selling, buying, upsizing, downsizing, relocating, investing, vendor referrals, shoulder to cry on during renovations and more.  Just send me an email or call me at 619-888-2117. 

5 New Year’s Resolutions for Your Home

December 29, 2016

By: Melinda Fulmer

In the spirit of new beginnings, HGTV has consulted the experts and come up with some resolutions that will make your home a more beautiful, efficient, clean and green place in the coming year.

Here are our five picks for the best home improvement resolutions for the new year and how to achieve them:

1: Streamline the stuff

One of the best and least expensive ways to feel better about your home is to clear it of clutter.

Each year most of us acquire a mountain of stuff. Without some regular purging, cabinets and drawers get jam-packed and it becomes hard to find the things you use and enjoy the most. (All that clutter also makes your house look dated and dirty, designers say.)

This year resolve to go room-by-room periodically clearing anything that you don’t use, wear or love and donate it to charity. After that, think twice about what you bring in, says Antoinette Nue, an Atlanta consultant who specializes in helping people simplify and go green.

“Fill your home with the things that raise your energy level and make you feel good, and get rid of the things that drain your energy or are broken,” she says.

Stash useful (but not beautiful) items such as DVDs, remotes and those kicked-off shoes in simple woven baskets. Group similar items together on sleek trays, says Stuart McCormick, a designer with Liz Levin Interiors in Washington D.C.

Clear your counters of everything you don’t use on a daily basis. And get ready to breathe a little easier in your own home.

2: Make it safe and sound

Your home may be beautiful, but is it safe? There are a few things that every homeowner should do to ensure that they’re not living with a potential health hazard or fire risk.

First, check your house for radon. This colorless, odorless gas causes about 21,000 lung cancer deaths each year from the radioactive particles it traps in your lungs as you breathe, according to the U.S. Environmental Protection Agency. One in every fifteen homes has elevated levels. And with test kits costing as little as $20 at your local hardware store, there’s no reason not to get right on that.

While we’re on the subject of deadly gas, make sure you install a carbon monoxide detector on every bedroom floor in addition to fire detectors. If a chimney flue or furnace vent gets blocked or leaks, carbon monoxide could back up in your house and kill you. Like a radon test, this is a small investment — $40 or more — for such an important safeguard.

Watch out for dryer lint. We know you clean the little trap inside the door, but most people neglect to clean the vents and ducts behind the dryer. Lint may seem innocent, but it’s highly combustible, according to the U.S. Fire Administration, accounting for more than 15,000 building fires a year.

Make sure your house can breathe. Hickory Hills, Ill. home inspector Jack McGraw is always surprised at how many people’s bathrooms and attics aren’t vented to the outside (or the vents are covered over with shingles.) This makes you a prime candidate for mold.

And if you’re considering a remodel — and your home was last built or remodeled before 1978 — consider testing for lead paint and asbestos flooring. It will have to handled properly during removal, or particles can be released into the air for you to ingest.

3: Shrink your bills (and your carbon footprint in the process)

When people think of going green, they often think it takes solar panels or a hybrid car to make a difference.

Not so, says Bob Schildgen, who writes the “Hey Mr. Green” column for Sierra magazine. It just takes a little old-fashioned common sense.

The best place to start is by cutting your energy usage in your home:

  • Remember your mom’s advice and switch off the lights when you leave a room.
  • Turn off your air conditioner when you leave the house and dial your heater down to 55 degrees at night.
  • Install compact fluorescent bulbs and low-flow showerheads.
  • Try drying some of your clothes on the line and wait for the dishwasher or washing machine to be full before you run them.
  • Turn off your power strips and/or set your home computer to revert to sleep mode when not in use.
  • Water your yard less. Put in drought-tolerant landscaping if necessary.
  • Give composting a try. Your garden will thank you.

4: Work out a weekly system for keeping your house clean

Cleaning with Scrub Brush

Here are a few tips for keeping the mess under control from Jeff Campbell, author of the book Speed Cleaning and owner of the Clean Team housekeeping service in San Francisco.

Daily: Dishes go in the dishwasher every night – no excuses! Dirty clothes go in the hamper and jackets or clean clothes are hung in the closet. Bring everything back to its assigned place.

Weekly: Clean your entire house, using these tips:

  • Keep all of your cleaners, as well as rubber gloves and spare cleaning cloths – in a portable carryall that moves with you from room to room.
  • Stash cleaning implements such as a toothbrush, scraper, sponge, a few cleaning cloths and plastic bags in a builder’s apron that you wear when you clean. Hook your glass cleaner and all-purpose cleaning spray on the loops to keep your hands free as you work around the room clockwise, cleaning from high (cabinets) to low (floors.)
  • Focus on one type of cleaning at a time. It’s faster, Campbell says. Wipe down fingerprints on all of the cabinets, for instance, before moving on to spraying and wiping counters. Then move on to windows and mirrors and appliances. Once that’s done move on to sweeping and then mopping floors.
  • For optimum efficiency, enlist the help of your family. If you can, divide the jobs among at least three parties: One of you can do the dusting/vacuuming and changing beds, the other can do the bathroom cleanup, leaving only the kitchen and trash emptying for you to handle. The upside? You can get the whole house done in 45 minutes, Campbell says, leaving more time on the weekends for the park or the movies.

5: Get your place ready for entertaining

Each year most of us vow to spend more time with family and friends. To make you feel like inviting people in, why not give the areas you entertain in a little update?

You don’t have go for broke here and invest in a new kitchen remodel. All it takes to get a fresh new look is a little bit of rearranging and a few updates says designer McCormick.

One easy update that makes your home seem more “finished” is the addition of plants, she says.

“They bring in new energy and help clean the air,” she says. “And it’s a great way to decorate if you’re on a budget.”

A couple of dramatic presentations like a large flowering agapanthus or potted palm in a bright ceramic planter that complements your existing color scheme will do the trick.

Pulling out a new accent color from your existing decor can make the whole room seem fresh. Pick an underused color in the room and add more of it in the form of a new pillow or throw to update your look, McCormick advises. A colorful rug or runner can also help anchor your space.

Lastly, take some time to rearrange your furniture so it is oriented in conversation groups and not just facing the television. That just might up for chances for real conversation and connection in the New Year.

Consider me your resource for all things real estate!  Selling, buying, upsizing, downsizing, relocating, investing, vendor referrals, shoulder to cry on during renovations and more.  Just send me an email or call me at 619-888-2117. 

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