San Diego California
(858) 487-6467

20 Reasons For Title Insurance

  1. Title Insurance will protect you against a loss on your home or land due to a title defect.
  2. A deed or mortgage in the chain of title may be a forgery.
  3. Claims constantly arise due to marital status and validity of divorces.
  4. A deed or mortgage may have been made by an incompetent or under aged person.
  5. A deed or mortgage made under an expired power of attorney may be void.
  6. A deed or mortgage may have been made by a person with the same name as the owner.
  7. A child born after the execution of a will may have interest in the property.
  8. Title transferred by an heir may be subject to a federal estate tax lien.
  9. An heir or other person presumed dead may appear and recover the property or an interest.
  10. A judgment regarding the title may be voidable because of some defect in the proceeding.
  11. By insuring the title you can eliminate delays when passing your title on to someone else.
  12. Title Insurance reimburses you for the amount of your covered loss.
  13. Title Insurance helps speed negotiations when you’re ready to sell or obtain a loan.
  14. A deed or mortgage may be voidable if signed while the grantor was in bankruptcy.
  15. Claims have risen dramatically over the last 30 years.
  16. There may be a defect in the recording of a document upon which your title is dependent.
  17. Title Insurance covers attorneys’ fees and court costs.
  18. Many lawyers protect their clients as well as themselves, by procuring title insurance.
  19. A deed or mortgage may have been procured by fraud or duress.
  20. A title policy is paid in full by the first premium for as long as you own the property.

7 Dangerous Short Sale Myths

There is a lot of information – and mis-information – out there about foreclosures and short sales. And not knowing which are hard facts could put your home and family in a perilous position.

Eileen Smith, a REALTOR® from Tucker, GA cautions “Don’t let one of these myths land you and your family in foreclosure”:

“A short sale can be an excellent solution for homeowners who must sell, and owe more on their homes than they are worth. Unfortunately, a number of myths about short sales have developed, and it is important to understand the reality of this process should you find it meets your current needs.

Myth #1 – The Bank Would Rather Foreclose than Bother with a Short Sale – This is one of the most common misconceptions. The reality is that banks do not want to foreclose on your property because the foreclosure process is incredibly costly. Banks, investors, and even the federal government have all publicly stated that if a person is qualified for a short sale, the deal needs to be considered. Overwhelmingly, banks receive more on their investment through a short sale than a foreclosure.

The qualifications for a short sale include:

1. Financial Hardship – There is a situation causing you to have trouble affording your mortgage.

2. Monthly Income Shortfall – ‘You have more month than money.’ A lender will want to see that you cannot afford, or soon will not be able to afford, your mortgage.

3. Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

Myth #2 – You Must Be Behind on Your Mortgage to Negotiate a Short Sale – While this may have previously been the case, today lenders are looking for verifiable hardship, monthly cash flow shortfall, or pending shortfall and insolvency. If you meet these three requirements and believe that you soon may be unable to afford your mortgage, act immediately. Any delay could limit your options. Do not wait until the countdown clock to foreclosure has started and you have even less time left.

Myth #3 – There is Not Enough Time to Negotiate a Short Sale Before My Foreclosure – This is a myth that probably hurts homeowners the most. Many do not realize that foreclosure is a process, and that there is time to make decisions that may result in better outcomes. The foreclosing party—in most cases a lender—can stall a foreclosure up to the final day of the process. Today, many lenders will stall a foreclosure with as little as a phone call from you explaining that you are trying to sell, and almost all lenders will stall a foreclosure with a legitimate contract. For real estate professionals who understand foreclosures and short sales. there is time available until the foreclosure is complete.”


VIP Home Tour & Wish of a Lifetime Event at $13 Million Poway Estate – San Diego Homes for Sale

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5 Things You Should Know Before You Flip A Property by William Bronchick, Esq.

1. Money is made at the buy, not the sell of your flip. When flipping a house your money is made at the purchase not at the sell of the house. So, many times people buy a house with the intentions of making a huge profit only to find out that they could not make any money after all the renovations because the purchased price of the house was to high. When you purchase your property you need to be sure that you buy the house with enough money to make renovations, have carrying cost, and add about 5 $6,000. Now, cost is at $147,000, and that is if everything goes as planned. Profit is under 10,000 dollars. The mistake was made at the purchase at the home, not the sell!

2. Get an inspection on the home – Get a complete inspection done on your property. By, spending a few hundred dollars on this expense you can save thousands in problems that you cannot see. Foundation, Pest, Wood Rot, Etc… By, getting a full inspection you can rest assured that you know every thing that is wrong with the property before its to late. In the contact for the house you need to make sure that you have 7 days to have a inspection preformed, and if the inspection finds problems that are going to cost more money that you are willing to spend you can get out of the contract with no penalties.

3. Don’t do the work yourself: – Get a contractor or several sub-contractors and have the work done quickly. You need to have you house flipped ASAP, so that you can get it on the market and get it sold. When I started flipping my brother and me did a house together, and we did all the construction. I had a construction background and figured it would save thousands, but it took us over 4 months to get the work done that a contractor could have had the work done in a month. But, we trying to save money on our flip did all the work on our time off and after work, and it just took to long. On our 2?nd flip we used contractors for almost everything and had the house completely flipped with a new roof, new air conditioning, new hardwood, and much more in only 3 weeks. We did not have to spend all our time working on the property and were able to spend that time looking for the next deal. This is how you get rich in real estate.

4. Place the property for Sale 1 to 2 percent below market value: If you are wanting to flip real estate and make money the object is to buy and sell the property as quickly as possible, so that you can move on to the next house. If you purchase a house and try to sell it at top dollar to make and extra couple of thousand dollars on your flip, and end up holding it for 6 months you are loosing money. Get the house on the market at a price that is going to blow the competition away, and you will sell it no matter what the market conditions. On our second house the market for selling house went down do to the housing market as a whole, and the tightening of the loans across America. We were told that you could not sell a property in this market, but we went ahead anyway and flipped our house. After 3 weeks on the market we had 3 people wanting to buy the house. Why, because we offered it at such a great deal that people wanted to jump on it. That is what you have to do especially if the market is slow.

5. Use a real estate agent – Do not try to sell you house on your own. Harness the power of a real estate agent and the power of the MLS system. When you do a FSBO you are depending on people driving by your house and seeing you sign, with a real estate agent you have some one actively marketing you house to get it sold. Once again this will free up more time for you to look for more great deals. If you want to help the process I have found that Craigslist and listing you house in Google Adwords help to, but I use these tools with the help of a agent to make sure I have all my bases covered.

I hope this article has been helpful with the basics needs of flipping a house. If you will study and learn you will make money. But, do your homework before you purchase a house, and make sure that you can pull a profit on your deal. Then, make it happen!


Just Listed Today in Old Winery Estates

Situated on a premium lot at the end of a cul-de-sac in Old Winery Estates is this private and beautifully landscaped 4+ bedroom home.  The outdoors are nothing short of a tropical paradise….One will feel as though they are lounging poolside in a five star resort with the stunning amenities that this 1.28 acres lot offers. Free form pool with boulder and stone work, spa, waterfall, verdant lawns, fire pit, built-in BBQ and outdoor covered gazebo are a few of the wonderful amenities offered.

Click Here for Virtual Tour

Kick Off the Fall Season with the 48th Annual Poway Days 2011

Saturday September 10th kicks off the annual event called POWAY DAYS. This is the 48th edition of fall classic event.  The first item on the Calender of Events is Poway Patriotic Parade.  Starting at 9 am to 11:30 am on Poway Road between Pomerado and Bowron Roads.  There will be a post-parade of military vehicles in the Walmart parking lot on Community Road.  This parade is a tribute to veteran’s of military service, first responders and others who have laid their lives on the line for our freedoms and safety.  This parade is also in remembrance of the 10th anniversary of 9/11, where a number of American citizens lost their lives in the attacks on New York City and the United States of America.

Other events for the first week to celebrate the Poway tradition are; Good Neighbor Day, Wednesday 14th, Melodrama, Friday 16th, Staged by the PowPAC you can see “Because Their Hearts Were Pure” or “The Secret of the Mine” at the Poway Community Theater in Lively Center, 13250 Poway Road. Performances area at 7pm on Fridays and Saturdays. 2pm on Sundays through September 26th.  Call 858-679-8085 of visit us at PowPAC for ticket information. 10th Annual MotorHead Madness Car Show, Saturday 17th. Beginning at 10am to 2pm in the Poway Transmissions parking lot located at 13933 Poway Road.  This is free event to the public. To register an entry please call Karen Dunn at 858-679-8000 of email her at  After that event mosey on over to “Rendezvous Reenactments” at the Old Poway Park on Saturday and Sunday from 10am until 4pm to see a bygone era from mountain men, trappers, Civil War soldiers and early days of Native Americans in the region.  Admission is free and everyone is welcomed to take step back in time.  There is even a Barn Dance in the Templar’s Hall.  For your nighttime entertainment there is a “Battle of the Bands” starting at 5pm.  Last years winner the Michelle Ross Band returns to defend her title.  This event is sponsored by the Poway Rodeo Committee and will be held at the Poway Valley Riders Association site, 14336 Twin Peaks Road, admission is $5 and after all the great music ends plan on attending a casino nite and mechanical bull contest.  Any musical groups interested in performing should contact Darci Palmer-Van Meter at

Marie Jo Atkins Receives National Recognition by Real Trends Sales Professionals

The Wall Street Journal and Real Trends Sales Professional have just released their 2011, top 1,000 real estates agents summary.  The summary is for all real estate agents and real estate agent teams throughout the United States. Visible in the link below is her ranking of 205, out of the top 250 real estate teams based upon closed transactions for the calender year of 2010.

Her continued ability to market, negotiate and close deals in this challenging market is truly remarkable says, Steve Rodgers CEO/Owner of Real Living, Lifestyles.  Marie Jo who just celebrated her 17th year anniversary on September 6, 2011 was very surprised yet happy with this announcement.  She humbly comments, I am not a horn blower but when I am recognized locally or on the national stage I feel rewarded by my efforts, perseverance and hard work.

Click Here to see Marie Jo’s Real Trend Top Sales Professionals 2011 Ranking


Seventeen Years in the Business (Happy Anniversary)

On September 6, 1994 Marie Jo Atkins started her Real Estate career at the ERA Property Store located in Rancho Bernardo, CA, the market was still in the doldrums brought on by the housing crash of the early 1990’s.  She started out during a down market and during that time she build a solid foundation built on trust, professionalism and the honest approach in pricing your listing for resell or advising the buyer to present a fair and honorable offer. During the 17 years she has been part of the real estate industry she has sold over $868 million dollars.  A monumental task indeed, one could say a very successful run not only at getting to the top but staying at the top for over 8 of her 17 years. Today she is with Real Living, Lifestyles an Integrated Real Estate Service Company navigating probably the toughest housing market in anyone’s lifetime on behalf of her vast book of business.  When you need a true professional to handle your real estate needs then call or email her at (858)487-6467 or

Congratulations from your family and team members, you only deserve the best!!!!!!!!!



JUST RE-LISTED IN GREEN VALLEY SUMMIT @ 13440 Summit Circle, Poway CA 92064!!!!!!!!!!!

This beautiful home has just been re-listed and is ready for all buyers looking for value.  The house has been recently inspected and the seller has performed all noted repairs needed for the previous buyer.  Set in the prestigious community of Green Valley Summit, this sophisticated Greg Agree Estate offers exclusive amenities throughout. The finest examples of superior construction and design are found with this home. With views from almost every room this custom 5+ bedroom, 6.5 bathrooms home is designed with entertainment in mind. Features include high ceilings, handsome crown moldings, stone fireplaces, travertine flooring & 2 acre of lush landscaping. Located on the north wing is the master bedroom, along with a secondary bedroom & living room. The south wing features three additional bedrooms and a sensational family room opening to a double center island kitchen with with top-of-the-line subzero refrigerator & freezer, Viking cook top & two Dacor ovens. The outdoors are nothing short of paradise with a gorgeous vanishing edge pool & spa, tennis court, baseball mound & fire pit. Dine al fresco by the outdoor fireplace while enjoying the sweeping mountain views. Completing the estate is a two bedroom guest house located adjacent to the pool. A highly refined home combining comfort & elegance…..Click Here for Virtual Tour

RB Alive Expo This Weekend!

San Diego North Chamber’s 23rd annual RB Alive Expo is this Sunday from 10am to 4pm with over 300 booths from numerous vendors and marketplaces.  The location to attend this annual event is Bernardo Center Drive between Lomica Court and Bernardo Plaza Court.  For further information you can call (858)487-1767 or visit us at

T (858) 487-6467

F (858) 451-1846

16710 Bernardo Center Dr.

San Diego, CA 92128

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CA BRE Lic. #01186585