Home Loan Basics

July 7, 2014 By

It is always best to have your home loan prequalification in place before you start searching for your Ocean Hills Country Club home. If you do not have a lender, Gary Harmon will be happy to give you several choices.
When Gary Harmon, your Seniors Real Estate Specialist, writes a purchase offer for you, he will have to submit your pre-qual letter along with the offer to the listing agent.

Ocean Hills Country Club pool.

When you contact your lender or lender Gary has referred, they will:

  • Give you a quick summary of the loan process over the telephone.
  • Schedule an appointment to complete the pre-qual form and discuss different financing options.
  • Your lender will need such things as w-2’s, paystubs, bank statements, tax returns and other supporting documentation.
  • Your mortgage advisor will review your application and discuss with his lending team.
  • The lender will contact you with the best programs that will meet your needs and objectives.
  • Your lender will then provide you with a pre qualification or pre approval letter.

Your Ocean Hills Country Club Realtor, Gary Harmon, will show you homes in your price range based on your pre-qualification.  When you select a home you like, Gary will prepare and offer and submit it to the listing agent along with your pre-qual and proof of funds for the down payment.

For more information on the loan buying process or to see homes in Ocean Hills Country Club, contact Gary Harmon.

Filed Under: General

VA Loans in San Diego County

May 27, 2014 By

There is not a maximum amount that an eligible veteran may borrow using a VA guaranteed loan.  However, the VA does set limits to the amount they will guarantee.  Effective February 2014, the maximum guarantee from the VA in San Diego County is 25% of $546,250.

If 100% financing is not enough, there are even more benefits for veterans in San Diego applying for VA loans.

  • Your VA loan is assumable, assuming the person assuming the loan is also qualified.
  • Their are no prepayment penalties if you choose to pay off your loan early.
  • If you ever find you are having problems making your payments, you have the VA behind you offering additional assistance.

Active military, retired military, and sometimes surviving spouses are eligible to get a VA loan.  You can check your eligibility by checking www.benefits.va.gov/homeloans/elig2.asp.

If you would like to know more about VA loans, contact Gary Harmon who can refer you to a VA specialist.

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Lake San Marcos Helps Fight Wildfires

May 15, 2014 By

Lake San Marcos became the main source of water for the many helicopters fighting the San Marcos ( Cocos) fire.  See Video.

In the afternoon of May 14, 2014, a major wildfire started in the hills east of Lake San Marcos.  Fires rushed towards the lakeside community.  Later in the afternoon the evacuation order was issued for all homes south of Lake San Marcos boulevard.  Then two good things happened.  Since the fire was nearing Cal State San Marcos, Jerry Brown, the California governor, cleared the way for Cal Fire to bring the large DC 10 firefighting airplane to the San Marcos fire.  Very impressive as it flew very low right over my home.

Next, as if magic, the winds reversed and started coming from the ocean.  Ocean air contains more water, and with the addition of nightfall, the fire calmed.  However on Thursday afternoon, the fire started raging again.  This time moving over the hills towards Escondido.  To help slow the fire, many helicopters were rushed to the fire and  started to use nearby Lake San Marcos to refill their water buckets.  By the end of the day the control was starting to be established over the fire.

The Lakehouse Hotel and the owners of Lake San Marcos continue to do good things to benefit the community.

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Out of Bankruptcy – Reorganization Plan Approved

February 27, 2014 By

The following  news was shared with the “Friends of Lake San Marcos,” and I thought it was important to get the message out to the Lake San Marcos community.

“Today Lake San Marcos received some of the best news it has had in the last 10 years….CDC’s Reorganization Plan has been approved by the Federal Bankruptcy Court.

Initially, the depth and breadth of the problems facing CDC were so great, I was of the opinion they could not be solved.  Fortunately, in the middle of the bankruptcy CDC was sold to new ownership.  It has taken incredible fortitude, financial acumen, and negotiating skill for Pino Vitti, the new owner, to have overcome these hurdles.  Congratulations to him and his staff.  Today is really the start of a new era for CDC.

The Lake San Marcos Community Association has played a significant role in supporting the new ownership of CDC with the Bankruptcy Court, the Regional Water Board, the City of San Marcos, San Diego County, Vallecitos Water District, the Telesis Credit Union and numerous other organizations.

The net effect of the Reorganization Plan approval is that now CDC can start paying back its creditors, can borrow to make improvements in our facilities, and can again direct its financial resources as it chooses.

For the community, it means the years of delay are over, and we can hope to see long awaited improvements begin to take shape.

CDC still has many hurdles to overcome.  They have to finish the lake testing, develop a remediation plan, and actually get the lake cleaned up.  They have more docks to build. They have to prove to lenders that they are on a firm financial footing, and the income generated from the Lake and Lodge leases and other sources are reliable enough to underwrite long term loans for rebuilding the community facilities and cleaning the lake.  They have to develop a plan for remodeling or replacing our aging buildings and pools that meets the needs of the community while remaining affordable.  There are many challenges ahead for CDC, but now they can move forward to work on those new challenges without the stifling control of the Federal Bankruptcy Court.

Thanks to all who were involved in these efforts over the years.  In particular Eli Whitney, John Andrew, Bob Kreiss, Jim Murphy, and Ken Lounsbery, but also many, many others.

Wayne Widener

Friends of Lake San Marcos”

And I personally would like to thank “Wayne Widener” who works very hard to keep us all informed.

For more information see “Lake San Marcos Bankruptcy Update.”

 

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North County Market Statistics for December 2013

December 16, 2013 By

1. The median price for all North County home sales – attached and detached – decreased to $475,000 in November 2013 compared to $482,500 in October 2013.

a. Detached homes in North County decreased 5.44 percent to $539,000 in November 2013 compared to $570,000 in October 2013. Year-over median price for SFD homes in North San Diego County increased 11.25 percent, compared to $484,500 in November 2012, continuing a 16-month trend of year-over median price increases.

i. Detached home prices OUTSIDE North County decreased 1.38 percent to $429,000 in November 2013 compared to $435,000 reported in October 2013. Year-over non-North County median price jumped 15.98 percent compared to $369,900 in November 2012, continuing a 20 month trend of year-over median price increases.

b. Attached home prices in North County rose 10.67 percent to $350,000 in November 2013compared to $316,250 in October 2013. Year-over SFA North San Diego County median price jumped 30.84 percent, compared to $267,500 in November 2012, the 23rd month of year over price increases.

i. Non-North County attached home prices decreased 1.58 percent to $280,500 in November 2013 compared to $285,000 in October 2013. Year-over non-North County SFA median price increased 9.21 percent, compared to 256,850 in November 2012.

c. The number of North San Diego SFD listings (active and contingent) decreased 11.21 percent in November 2013 compared to October 2013, and decreased 5.12 percent year-over compared to November 2012 – the 27th straight month of year-over declines in listings.

The number of sold North San Diego County SFD units rose 13.95 percent in November 2013 compared to October 2013. Year-over sold SFD units declined 6.91 percent compared to November 2012.

i. Median days-on-market for single-family detached homes sold in North County increased to 32 days in November 2013 compared to 30 days in October 2013.

d. The HomeDex affordability percentage for all homes in North San Diego County – attached and detached – was 33 percent in November 2013.

North San Diego County HomeDexTM

 

 

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White Pelicans at Lake San Marcos

October 29, 2013 By

The white pelicans have returned to Lake San Marcos for the winter.

Photo by Gary Harmon

If you are a boater, you know that Lake San Marcos is rich in audubon wildlife.  In fact, we have over one hundred different species of birds that visit our shores.  None is more beautiful that the white pelicans.

The American White Pelican is one of the longest birds that is native to North America.  Males can be from 50-90 inches in length counting the large bills that can be over 15 inches.  The wing span of the largest of these birds can reach 10 feet.  White Pelicans are for the most part white except for the trailing edge of their large wings.  This edge is black and can only be seen in flight.

For the most part the white pelicans on Lake San Marcos are very shy.  Please keep your boat at a reasonable distance so not to frighten these majestic birds.  While sitting on a dock they appear clumsy, but the minute they hit the sky, they are a thing of aerial beauty.

In addition to the white pelicans, we get an occasional visit from the gray marine pelicans.

To learn more about Lake San Marcos and the great style of life it offers, contact Gary Harmon.    Lake San Marcos offers many different styles and price ranges of homes, some Lake San Marcos homes are right on the water’s edge.

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San Diego Activities – October 2013

September 27, 2013 By

San Diego ActivitiesFLEET WEEK
Fleet Week San Diego honors and celebrates the men and women of the military through public events that entertain and alliances that thank and support these heroes. Location: various Info: www.fleetweeksandiego.org
9/13-10/6 various
Bates Nut Farm Pumpkin Festival
The Pumpkins are ready!!! The Pumpkin fields  are beautiful and are surrounded by tall gorgeous  cornstalks and bright, happy sunflowers. Our scarecrows are here to greet you. Location: Bates Nut Farm 15954 Woods Valley Road Valley Center. Info: www.batesnutfarm.biz
10/5-10/7 9:00 am – 5:00 pm
MCAS Miramar Air Show
It’s a magnificent aerial show featuring the Navy’s Blue Angels and other amazing daredevil flights; plus demonstrations of the Air & Ground Task Force, Super Hornet, Shockley Jet Truck, and a vertical take-off & landing. Location: Miramar (Marine Corps Air Station near  Highway 15 & Miramar Rd). Info: www.miramarairshow.com.
10/4-10/5 9:00 am – 4:00 pm
La Mesa Oktoberfest
This event is the largest 3-day Oktoberfest west of the Mississippi, with an expected turnout of 200,000 people. Location: La Mesa Blvd. between Acacia and 4th Avenue. Info: www.lmvma.com.
10/4-10/6 F&S:11:00am–11:30pm, Sn:12 pm–5 pm
Pacific Beachfest
It’s a beach party!
So put on your  swimsuit and head to the beach! There’s entertaining music, sand dancing, surf contest, beach volleyball, skateboarding, beer garden, food court, a fun run, and shopping on the beachfront. Location: Garnet Avenue (from Mission Blvd. & board-walk). Info: www.pacificbeachfest.org.
10/5 11:00 am – 7:00 pm
La Jolla Art & Wine Festival
An upscale art & wine festival in La Jolla presents art creations from emerging and established Artists. Location: Migrating down from its original location on upper Girard, the festival this year will take place in the heart of the village, between  Prospect Ave. and Kline St., on lower
Girard Ave. Info: www.ljawf.com
10/12 – 10/13 10:00 am – 6:00 pm
Old Town Art Festival
Over 100 juried artists from Southern California and around the country are coming together to display their creations at this art festival. Location: San Diego Avenue from Conde Street into the Old Town San Diego State Historic Park. Info: www.oldtownartfestival.com.
10/5 – 10/6 10:00 am – 6:00 PM (8 pm on Sun)
Polish Festival – San Diego
Today’s event is for adults (age 21+). Come and enjoy traditional Polish folk dancing, singing, and music. Location: Pacific Beach (St. Maximilian Kolbe R.C. Polish Mission – 1735 Grand Ave). Info: www.polishmission.org.
10/11 – 10/13 F:5:00 pm-10:00 pm, S&S Noon-10:00 pm

Ocean Beach Oktoberfest
After an early morning fun run in Ocean Beach, a Bavarian Oktoberfest will come alive with traditional German festivities. Location: Ocean Beach (pier parking lot at Newport Ave. & Abbott St.) Info: www.oceanbeachsandiego.com.
10/11-10/12 F: 4:00-10:00pm, S: 10:00 am-10:00 pm
Little Italy Festa
Little Italy Association is proud to make the Little Italy District come alive. Come and enjoy over 120 Italian Food & Crafter Booths, 2 stages of entertainment. Location: India Street be-tween Ash and Grape Streets. Info: www.littleitalysd.com.
10/13 10:00 am – 6:00 pm
Making Strides Against Breast Cancer
Help to make strides against breast cancer by participating at this nationwide walking event. Location: Balboa Park (Laurel St./Balboa Dr.) Info: www.makingstrides.acsevents.org
10/20 7:00 am – 11:00
MS Bay to Bay Bike Tour
The event provides a scenic and challenging ride for ex-perienced and novice cyclists. It begins in Orange County and finishes in San Diego. Location: Orange County (Huntington Beach) – Mission Bay (Hospitality Point) Info: www.bikecas.nationalmssociety.org
10/19-10/20 9:00 am – 2:00 pm

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San Diego Events May 2013

April 30, 2013 By

May 2013

 

Santee Green Day at the Lakes

Volunteers come out and help make improvements to the Santee Lakes Recreation Preserve. For a few hours of work, volunteers will get lunch and relaxation. Location: 9310 Fanita Pkwy. Info: www.santeelakes.com

5/4 8:00 am – 1:00 pm

Walk for Animals – Barkin Beach Bash

Festivities will include a beautiful three-quarter mile walk with your canine friend, great vendors.

Location: NTC Park at Liberty

Station. Info: www.sdhumane.org

5/4 7:00 Reg. opens

Fiesta Old Town CInco de Mayo

Sizzling flamenco beats and Mariachi Music and tons of food and drinks. Location: Old Town, San Diego Ave. (between Linwood St. & Twiggs St.) Info: www.oldtownsandiegoguide.com

5/4-5/6 Sat:11:00 am – 10:00 pm, Sun: 11:00 – 5:00

Ramona Bluegrass & Old West Festival

Features two days of music, with nightly jam sessions, @ Ramona Community Park. Location: 421 Aqua Lane. Info: www.ramonabluegrassfest.com

5/4-5 10:00 am – 8:00 pm

Kidsfest San Diego

KidsFest is a 100,000-square-foot wonderland of pure, uncomplicated play for the entire family, with activities designed to stimulate and celebrate the imagination. Location: NTC Park – Liberty Station Point Loma. Info: www.kidsfestsandiego.com

5/4-5 10:00 am – 5:00 pm

Art in the Pines Spring Festival and Sale

Art in the Pines is a 2-day celebration of nature through the interpretive eye of the artist. Held for the 3rd year at a time when the Reserve’s wildflowers are in full bloom. Location: Near the Torrey Pines Visitor Center. Info: www.torreypines.org

5/4-5 10:00 am – 4:00 pm

May 2013May 2013

 

Santee Green Day at the Lakes

Volunteers come out and help make improvements to the Santee Lakes Recreation Preserve. For a few hours of work, volunteers will get lunch and relaxation. Location: 9310 Fanita Pkwy. Info: www.santeelakes.com

5/4 8:00 am – 1:00 pm

Walk for Animals – Barkin Beach Bash

Festivities will include a beautiful three-quarter mile walk with your canine friend, great vendors.

Location: NTC Park at Liberty

Station. Info: www.sdhumane.org

5/4 7:00 Reg. opens

Fiesta Old Town CInco de Mayo

Sizzling flamenco beats and Mariachi Music and tons of food and drinks. Location: Old Town, San Diego Ave. (between Linwood St. & Twiggs St.) Info: www.oldtownsandiegoguide.com

5/4-5/6 Sat:11:00 am – 10:00 pm, Sun: 11:00 – 5:00

Ramona Bluegrass & Old West Festival

Features two days of music, with nightly jam sessions, @ Ramona Community Park. Location: 421 Aqua Lane. Info: www.ramonabluegrassfest.com

5/4-5 10:00 am – 8:00 pm

Kidsfest San Diego

KidsFest is a 100,000-square-foot wonderland of pure, uncomplicated play for the entire family, with activities designed to stimulate and celebrate the imagination. Location: NTC Park – Liberty Station Point Loma. Info: www.kidsfestsandiego.com

5/4-5 10:00 am – 5:00 pm

Art in the Pines Spring Festival and Sale

Art in the Pines is a 2-day celebration of nature through the interpretive eye of the artist. Held for the 3rd year at a time when the Reserve’s wildflowers are in full bloom. Location: Near the Torrey Pines Visitor Center. Info: www.torreypines.org

5/4-5 10:00 am – 4:00 pm

 

Fiesta de los Penasquitos

Rancho Penasquitos is alive with a festival of fun! It’s a day to showcase the musical talents of local bands, artists, businesses, schools, and service organizations. Location: Black Mountain Road (between Twin Trails Dr. & Carmel Mountain Rd.). Info: www.rpcouncil.com/fiesta

5/5 11:00 am – 5:00 pm

Spring Sprint Triathlon & Duathlon

Novice and experienced athletes can compete individually or as a team. There are two courses to choose from. Location: East Mission Bay (South Shores Park parking lot & Fiesta Island). www.kozenterprises.com

5/5 6:45 am – 10:30 am

Carlsbad Village Faire

Features over 850 unique vendors, making it the largest street festival of its kind in the county. Art fair, arts and crafts, antiques, unique clothing, food and more. Location: On Carlsbad Village Drive west of Interstate 5. Info: www.carlsbad.org

5/5 8:00 am – 5:00 pm

Coronado Ferry Landing Concert Series

Coronado Ferry Landing Concert Series is a great place to gather with friends to listen to music in the warm summer evenings. Location: 1st & C. Info: www.coronadoferrylandingshops.com

05/06/12 Cool Fever 1-3pm 05/13/12 Dixie Jazz Katz 1-3pm 05/20/12 Teagan Taylor Trio 1-3pm 05/26/12 Stiletto’s 1-3pm 05/27/12 Blue Frog Band 1-3pm 05/28/12 Coronado Big Band 1-3pm

 

Roc Race – Ridiculous Obstacle Challenge

The Ridiculous Obstacle Challenge, or ROC race, is all about the FUN! The goal is have the participants look back after the race and only be able to describe the obstacles as “RIDICULOUS”! Location: Del Mar

Fairgrounds. Info: rocrace.com

5/11 9:00 am – 1:00 pm

San Diego Botanic Garden Chocolate Festival

Join us for a chocolate experience. This family-friendly San Diego event also features entertainment, food, children’s activities, plant sales, and a variety of Mother’s Day gifts. Location: 230 Quail Gardens Drive in Encinitas. Info: www.sdbgarden.org

5/11 10:00 am – 4:00 pm

Del Mar Quilt, Craft & Sewing Festival

At the Quilt, Craft & Sewing Festival you will find a wide variety of Sewing, Quilting, Needle-Art and Craft supply, workshops and FREE educational seminars. Location: Del Mar Fairgrounds. Info: www.quiltcraftsew.com

5/16 – 18 10:00 am – 5:00 pm

Drew Brees Celebrity Championship

NFL Hall of Fame running back Marshall Faulk brings together over 50 of the best celebrity golfers in the world to benefit the Marshall Faulk Foundation. Location: La Costa Resort. Info: www.celebritychampionship.com

5/17 – 19 Time TBD

Bike To Work Day

Location: San Diego (citywide & countywide). Info: Call 511 and say “I commute.” www.icommutesd.com

5/17 6:00 am – 10:00 pm

North Park Festival of the Arts

The North Park Festival of Arts will feature arts and craft vendors, an

international food court, a kid’s zone, artist village, and six stages with live music. Location: University & 30th. Info: www.northparkfestivalofarts.com

5/18 10:00 am – 6:00 pm

Escondido Downtown Street Fair

Arts and crafts, unique clothing, home improvement, children’s rides, food from around the world, a beer garden, live music, animal demonstrations by the San Diego Wild Animal Park. Location: Grand Ave. Info: www.escondido.org

5/19 10:00 am – 6:00 pm

27th Annual Navy’s Original Bay Bridge Run/Walk

The route begins in downtown San Diego and proceeds across the bridge and on to Coronado. Location: One Park Blvd. (Bayfront Hilton parking) – Tidelands Park (Coronado Island) Info: www.navylifesw.com/bridgerun

5/19 8:00 am – 11:00 am

Santee Street Fair

The Santee Street Fair will feature over 300 vendors, rides, live bands, entertainment, a beer and wine garden, and food. The festivities takes place next to Santee Trolley Square. Location: 101 Riverview Pkwy. Info: www.santeestreetfair.com

5/25 10:00 am – 7:00 pm

Vista Strawberry Festival

This Strawberry Festival will feature a strawberry pageant, strawberry Idol, strawberry pies, and other delights on Memorial Day Weekend.

Location: 127 Main Street, Vista. Info: www.vistastrawberryfest.com

5/26 7:30 am – 6:00 pm

FILMOUT SAN DIEGO

FilmOut San Diego is a six day film festival with over 60 films from around the world, and many LGBT theme based. The event will take place over two weekends (Friday – Sunday). Location: Birch North Park Theatre, 2891 University Avenue, Suite 1. Info: www.filmoutsandiego.com.

5/29-6/2 Various

ONGOING EVENTS

La Jolla Farmers Market (Every Sunday)

Girard & Genter 9:00 am – 1:00 pm

Mission Hills Farmers Market (every Wednesday)

Falcon St. off Washington, 3:00 – 7:00 p.m.

Point Loma Farmers Market (Every Sunday)

9:30 am – 2:30 pm

Little Italy Mercato – Market (Every Saturday)

9:00 am – 1:30 pm

City Heights Farmer’s Market (Every Saturday)

On Wightman btwn. Fairmount & 43rd, 9:00 am – 1:00 pm

Old Town Saturday Market (Every Saturday)

9:00 am – 4:00 pm

Hillcrest Farmers Market (Every Sunday)

9:00 am – 2:00 pm

Helen Woodward Pet Adoptions (Every Sunday)

(Rancho Santa Fe Market)

9:00 am – 1:00 pm

Public Organ Concert Balboa Park (Every Sunday)

2:00 pm – 3:00 pm

Ocean Beach Certified Farmer’s Market (Every Wednesday)

4:00 pm – 7:00 pm

Oceanside Sunset Market ((Every Thursday)

5:00 pm – 9:00 pm

Art Mart (2nd & 4th Saturday & Sunday Each Month) Balboa Park 10:00 am – 4:00 pm

TUESDAY FREE ADMISSION DAYS

Natural History Museum 5/7 10:00 am – 5:00 pm

Model Railroad Museum 5/7 11:00 am – 4:00 pm

RH Fleet Science Center 5/7 11:00 am – 4:00 pm

Centro Cultural de la Raza 5/7 12:00 pm – 5:00 pm

Museum of Photographic Art 5/14 9:30 am – 3:00 pm

Veteran’s Museum & Memorial Center 5/14 9:30 am – 3:00 pm

San Diego History 5/14 9:30 am – 3:00 pm

Museum of Art 5/21 10:00 am – 4:00 pm

Museum of Man 5/21 10:00 am – 4:00 pm

Art Institute of Living Artists 5/21 10:00 am – 4:00 pm

Mingei International Museum 5/21 10:00 am – 4:00 pm

Japanese Friendship Garden 5/21 10:00 am – 4:00 pm

For real estate information  contact Gary Harmon, Real Living Lifestyles.

Filed Under: General

North County Market Statistics for March 2013

March 19, 2013 By

The March 2013  HomeDex™ Report provides February 2013 San Diego housing statistics. Information in this report is used by permission from the North San Diego County Association of Realtors® (NSDCAR). Gary Harmon, your Real Living Lifestyles Realtor, has been a member of NSDCAR for over 22 years.

• The median price for all North County home sales – attached and  detached – decreased to $405,000 in February 2013 compared to $410,000 in January 2013. • Detached homes in North County increased 1.61 percent in February 2013 to $472,500 compared to $465,000 in January 2013. • The countywide median SFD price increased 4.17 percent to $375,000 in February 2013 compared to $360,000 in January 2013. • The number of North San Diego SFD listings (active and contingent) increased 6.72 percent in February 2013 compared to January 2013. • The number of sold North San Diego County SFD units decreased 7.49 percent in February 2013 compared to January 2013. Year-over sold SFD units decreased 5.79 percent compared to February 2012. • Median days-on-market for single-family detached homes sold in North County increased to 38 days in February 2013 compared to 36 days in January 2013. • The HomeDex affordability percentage for all homes in North San Diego County fell slightly to 43 percent in February 2013, compared to 44 percent in January 2013.

 

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Home Ownership After Retirement

March 17, 2013 By

North County Home Ownership After Retirement

Owning San Diego North County home that meets your retirement needs is an important consideration in securing your lifestyle and security during your golden years.  Developing a sustainable plan that covers your living expenses, including mortgage payments, with spending and savings is a critical part of your retirement planning.  Balancing the security of your North County home’s equity with cash flow needs should be part of your plans.   Most retirees contemplate how active their income will allow them to be, while maintaining savings to support a long life and unexpected events.  Remaining in your home provides equity, safety and security.  Financial advisors recommend reducing living expenses by downsizing; some opt for second homes in senior living communities; others choose the security of assisted living arrangements.

Gary Harmon, your Real Living Lifestyles Realtor, and Craig Laursen, mortgage lender are knowledgeable, experienced and committed to helping North County over 55 home buyers and sellers make wise decisions affecting their retirement years.  We work with estate planners, financial advisors and counselors to support you.  We are excellent real estate negotiators and we know San Diego.  We’ll work to qualify you for mortgages that utilize retirement income; for homes located in age restricted communities and other considerations that affect real estate transactions for retirement age buyers.

Our goal is to be part of your retirement team to help you execute your retirement plans that involve home ownership and mortgage decisions.

To get more real estate information reguarding buying a San Diego North County home or to get lending information, contact Gary Harmon.

My appreciation goes out to Craig Larsen, a North County mortgage loan originator, for providing this article.

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