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Enjoy “Sundowner” in Encinitas, California

“Sundowner” is an annual holiday event held in Encinitas, California that is fun for the entire family.  This “Garden of Lights” event is held at the San Diego Botanic Garden located at 230 Quail Gardens Drive in Encinitas.  “Sundowner” has many activities for kids including wagon rides and traditional marshmallow roasting.  There will be fantastic raffle prizes and a special visit from Santa Claus.

Remember to bring a huge appetite because food and drinks will be provided by Brett’s Bar-B-Que, Boston’s Gourmet Pizza, Garcia’s Mexican Family Restaurant, St. Tropez Bakery and Bistro and French Pastry Café.  The price for admission is $10.00 for chamber members and $15.00 for non-chamber members.

Tags: Encinitas, event

Top 5 Tips for First-Time Home Buyers

Below are the top five tips for new home buyers…

1)  Get help.   Your home is likely to represent one of the largest investments in your life.  In order to make sure the transaction goes smoothly, it is of vital importance that you choose the right agent to represent your interests.

2)  Get pre-approved.  Do you already know how much home you can afford?  There is nothing more frustrating than looking for a home, finding the perfect home and then discovering it is out of your price range.  Speak with a lender to learn about different financing options available to you.

3)  Avoid major purchases.  In order to determine the amount of home you can afford, a lender uses your debt-to-income ratio.  Your debt ratio will include monthly housing costs, vehicle payments, credit cards, student loans and any other installment debt.  If you take on more debt right before buying a home, Read the rest of this entry »

Tags: first-time buyers, san diego real estate