Lake Rancho Viejo, Fallbrook, CA

Lake Rancho Viejo is a secluded community in Fallbrook, California. Located in a rural area on the southeast corner of Hwy 76 and I-15, it is part of the Pala Mesa region and San Luis Rey River basin. Lake Rancho Viejo is a newer subdivision that was built in the 2000’s.

 We are very excited to showcase Lake Rancho Viejo and all that it has to offer.  Especially since we have a new listing coming on the market in this subdivision this week!  It is perfect for commuters because of its close proximity to the major fwys. The Home Owners Association dues are low and everyone has ample amounts of privacy. The Fallbrook Unified Elementary School District and the Fallbrook Union High School District have jurisdiction over this area. Student may attend facilities such as Fallbrook High School and highly ranked Normal L. Sullivan Middle School. There are also several private schools like St. Peters Catholic School, Zion Lutheran School, and SonRise Christian Fellowship Preschool. Nearby colleges include Palomar College and San Joaquin Valley College.

 

There are several parks and trails in this region. And to the north across I-15 is the Pala Mesa Resort Golf Course.

 

 

To get more information on our newest listing or to view all houses for sale in Fallbrook and surrounding North County, please visit our property search site: http://www.your-sandiego.com/fallbrook/

Or give us a call at (760) 586-0854

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Oceanside Shopping Center to Get New Construction

If you’ve driven past the corner of El Camino Real and Vista Way in Oceanside lately you’ve seen quite a bit of construction going on.  A major overhaul is in store for the outdated shopping center.

The project, unanimously approved by the city’s Planning Commission last year, involves the northern 13.7 acres of the 20-acre Town & Country shopping center.

The center had been empty and looked like a ghost town for several years.  During the past decade, the shopping center had become dilapidated, with vacant storefronts and large anchor stores moving out.

 Recently, 84,305 square feet of buildings have been demolished to make way for a revitalization of the center. The biggest building to come down was a movie theater that had been dark for at least two decades. In its heyday, the Camino North fourplex was the first multi-screen theater in coastal North County.  JoAnn’s Fabric, Target, Denny’s & Discount Tire are staying. In fact, the existing Target store, which is in a separate half of the property, at the corner of Vista Way and El Camino Real, will receive another 7500 square feet of indoor space.

The center’s owners have reported they will be building the largest new store for a WinCo Foods, which will be the second San Diego County location of the Idaho-based chain of 105 stores — opening their first last year in San Marcos.  WinCo is a discount store that seems to be a cross between Trader Joe’s and Costco because of its eclectic selection and items that are sold in bulk. The new Winco will take up the area between Target and Jo Ann’s.

Oceanside is excited for the revival of the center.  We are ready for a new shopping location.  It’s been a long time coming.

 

 

 

 

 

4th of July Events Around North County San Diego

We’ve put together a list of 4th of July events happening around North County:

Oceanside Fireworks Show at El Corazon

Address: El Corazon Park, 3302 Senior Center Dr, Oceanside, CA 92056

Time: Sunday, July 3 – 6:00 to 10:00 PM Event Info: Sunday, July 3, 2016, at El Corazon site at Rancho Del Oro Road. Music, food trucks, and fireworks show that starts at 9:00 pm. Recommended Viewing Location: Rancho Del Oro Road between Mesa Drive and Oceanside Blvd. FREE Parking is at El Camino High School and the Business Park – bring a beach chair, and walk to viewing location (closed portion of Rancho Del Oro Rd).

Vista Independence Day Celebration

Location: Moonlight Amphitheatre – 1200 Vale Terrace Drive, Vista, CA 92084
Time: 5:00 to 9:00 PM
Celebrate the 4th of July in Vista at the Moonlight Amphitheater with live music, an honorary ceremony, family fun and fireworks!

Admission to the Moonlight Amphitheatre:
$5 per person
Children five and under are free
Active and retired military (with ID) and their family are free
Parking in the park is $15 per car and $30 per recreational vehicle

 

Grape Day Park Fireworks
Address: Grape Day Park & The Center, 321 N Broadway Escondido, CA 92025 (map)
Time: Starts at 4:00 PM, Fireworks at 9:00 PM
Event Info: Join 20,000 patriotic festival-goers for Escondido’s 53rd Annual Independence Day Festival & Fireworks.  This free community event features rockin’ live music by the Manny Cepeda Orchestra Quartet, Ke’Ahi & Halau Hula O Makalani Na Pilialoha, and the Jonathan Lee Band, fabulous food vendors, and a wealth of children’s activities and games for everyone to enjoy. The day’s festivities will conclude with a special performance by Camp Pendleton’s 1st Marine Division Band and, of course, a dazzling fireworks display! You won’t want to miss this annual North County tradition!
More Information

Grand Tradition Estate & Gardens
Address: 220 Grand Tradition Way Fallbrook, CA 92028
Event Info:Grand Tradition will be hosting its annual 4th of July Celebration in Grand-style! Join us in celebrating this all-American family tradition with an evening of family games and activities, savory food and drink selections, live bands, military salute, and of course an explosive firework finale.

Address: Poway High School, 15500 Espola Rd, Poway, CA 92064
Time: 6:00 to 10:00 PM. Fireworks at 9 pm.
Event Info: Enjoy spectacular fireworks as they light up the sky over Lake Poway High School Stadium. Games, activities, and a DJ spinning the tunes round out the fun. Gates open at 6:00 pm. Fireworks begin at 9:00 pm. Please arrive early to allow plenty of time for parking.
Fireworks Information

What Happens If You Die Without a Will In California

Who will inherit Prince’s $300 million plus fortune?  According to the laws in Minnesota, since Prince died without a will or trust, his estate would be divided between his sister and all of his half-siblings, who are treated like full siblings in that state.

 

But what happens if you die without a will in California?   The Torres Team thought it would be a good idea to give you some insight on the laws surrounding holding title in California.

Joint tenancy is a way of avoiding probate simply by putting the words “joint tenancy” in the title of an asset.

What is the right of survivorship? When a joint tenant dies, his or her interest in the asset vests in the surviving  joint tenant or joint tenants. In other words, if two people own real estate in joint tenancy, and one of them dies, the surviving joint tenant then owns 100 percent of the property.

Does a will or trust have any control over joint tenancy? If property is owned in joint tenancy, the surviving joint tenant will receive the deceased joint tenant’s interest in the property, regardless of what that person’s will or trust says about the property. An exception would be if both joint tenants died simultaneously, in which case their wills would control their interest in the asset.

If a California resident dies without a will or trust, they die “intestate” and the laws of intestate succession are used to determine who will inherit the estate.  Determining the heirs involves answering a series of questions about the person who died.

The first question is whether the decedent (the person who died) was married.

1. If the decedent was not married, the estate is distributed as follows:
2. To the decedent’s children, who take in equal shares if they are in the same generation.
3. If there are no children or other issue (issue is the legal term for children, grandchildren, great-grandchildren, etc.) living, the estate goes to the decedent’s parents.
4. If there are no parents living, the estate is distributed to the “issue of the parents.” If the decedent had brothers or sisters, they will inherit the estate. If there are deceased brothers and sisters, and they had issue, the issue will inherit the share of the estate that the deceased brother or sister would have inherited.
5. If there are no brothers or sisters, the decedent’s grandparents will inherit the estate.
6. If there are no living grandparents, then the “issue of the grandparents” will inherit the estate. This could include the decedent’s aunts and uncles, or if there aren’t any aunts and uncles, the decedent’s cousins. Generally, the oldest generation that has surviving issue will inherit, but if there are deceased issue in that generation, their issue will inherit their share.
7. If there are no cousins, Probate Code section 6402 provides that the estate will be distributed to “next of kin in equal degree,” generally meaning more distant cousins.

1. If the decedent was married, the first question is whether the decedent owned community property, separate property, or a combination of the two. Community property is generally defined as the assets acquired during marriage from earnings or salary. Separate property is generally defined as assets brought into the marriage when the decedent got married, inheritances to the decedent, or gifts to the decedent.  However, California case law provides many exceptions to these definitions, and assets can change from community to separate property, or from separate to community, by combining assets, by improving separate property with community property, or by written agreement of the spouses, for example.

 

1. The decedent’s community property goes to the surviving spouse, who may have to file a spousal property petition to establish ownership.
2. The decedent’s separate property is distributed as follows:
3. The surviving spouse receives all of the separate property if the decedent is not survived by issue, parents, brothers, sisters, or children of a deceased brother or sister.
4. The surviving spouse receives one-half of the separate property if the decedent had only one child, or issue of a deceased child.
5. The surviving spouse receives one-half of the separate property if the decedent left no issue, but left parent(s) or their issue.
6. The surviving spouse receives only one-third of the separate property if the decedent left more than one child.
7. The surviving spouse receives only one-third of the separate property if the decedent left one child and the issue of one or more deceased children.
8. The surviving spouse receives only one-third of the separate property if the decedent left the issue of two or more deceased children.

 

However, all of the above considerations are irrelevant if the decedent had a will or living trust.   It is highly advisable to speak with an Estate Planning Attorney.

 

 

Source: http://www.ca-trusts.com

Meet The Torres Team!

 

Steven and Linda Torres

Steven and Linda Torres are a husband-wife Realtor team dedicated to helping buyers and sellers in North County. They have a growing team known as The Torres Team.
Steven and Linda understand that for many, buying or selling real estate is the biggest transaction in their lifetime and they take that very seriously. They walk their clients through the entire process and keep them updated throughout the entire course of the transaction. Their qualifications are validated with various professional credentials, certificates and achievements in real estate.

Steven Torres

Steven is a proficient and easily approachable agent. His vast knowledge about the market and familiarity with many different neighborhoods and subdivisions throughout the community give him a leading edge over his competition. His expertise in negotiating, extensive market knowledge and being well versed in the complexities of real estate help him deliver top notch service. When working with sellers, he capitalizes on his expanded client base to ensure maximum exposure for each property he represents.

He invests in marketing and advertising campaigns and keeps his clients informed throughout the entire transaction. Steven holds several professional real estate designations including his certificate in Real Estate Entrepreneurship, MRP designation which is the Military Relocation Program and the Real Estate Buyer’s Agent Council (REBAC). Steven has also been interviewed as a real estate expert by ESPN 1700 AM. In his spare time, he enjoys watching sports, golfing and spending time with his wife and two young children.

Linda Torres

While Steven may be the more visible team leader, his wife Linda plays a very important role working behind the scenes. Her focus is on marketing, managing The Torres Team, business systems management, organizing events, and most importantly providing exemplary customer service to new and existing clients by ensuring a lasting relationship with them. Linda’s background as an Executive Assistant and licensed real estate agent contribute to the success of The Torres Team. In her spare time, Linda enjoys volunteering in her children’s school, reading, spending time with family and traveling.

 

 

Heather Cole

Customer service is Heather Cole’s number one priority. And Heather’s fresh approach to customer service is what sets her apart. She values listening to her clients and partnering with them to define and realize their real estate dreams. Along with her down-to-earth style, her clients have appreciated her hard work, integrity and advocacy. This, paired with her commitment to outstanding communication, is what Heather’s professional service is built upon.

Through more than 18 years of experience, which include various management positions, Heather has maintained a passion for putting her clients first. She has experience working with individuals and families during stressful times and has always approached this with empathy and superior service. She understands that home buying and selling can be stressful and will partner with clients through every step of the process.

She and her family have loved living in North County for over 10 years. Her passion for the North County and all of its amenities is contagious.

The professional unity The Torres Team possess in business and in life are instantly evident, complementing one another to deliver unparalleled service.

To get in touch with The Torres Team, visit http://www.Your-SanDiego.com or email them:

Steven Torres: Steven@StevenTorresRealty.com (760) 586-0854

Linda Torres: Linda@StevenTorresRealty.com

Heather Cole: Heather@StevenTorresRealty.com (858) 357-5541

 

The Torres Team Client Appreciation Party

When my team and I were trying to come up with a way to let our clients know we appreciate them, we knew we had to go big or go home.  We decided to throw them a party.  But not just any party, we wanted something fun and memorable.  That’s when I decided to contact my brother-in-law, Peter Zien, owner of AleSmith Brewing Co. and told him about our plan.  That’s when the planning and fun began!

I contacted our vendors, Loan Officer, Kelly Kline from One Trust Home Loans, Keith Badiner from Farmer’s Insurance and Shirley and Alessio Indegno from Bow Electric General Contracting .  They set up some booths at the event and were easily accessible for our clients to engage with them during the party.

I had some raffles  going for those who participated in some of our games. For instance, I wanted to make sure our vendors were approached at the event, so I made up a card that had the vendors name on them.  If our guests approached all three vendors, they would get a raffle ticket for a chance to win some really cool prizes!   The giveaway for this specific game was a one night stay at The Hard Rock Hotel in San Diego (courtesy of our lender).  I also asked our clients to post the event on their social media with the hashtag #TheTorresTeam to gain some exposure and in return they received a raffle ticket good for a photo session at location of choice, courtesy of Wendy Childress photography.

 

We hired Wendy Childress Photography to take photos of everyone.  She put together a really fun photo booth with fun props and signs. She also captured some very cool candid shots of everyone having a great time.  We also had a videographer there, Craig Meyer from Show Business Media. We will get that video very soon and share that as well.

 

We had fun games like giant Jenga and cornhole for everyone to play.

 

We had plenty of good food, catered by Brother’s Signature Catering in San Diego.

 

 

Last, but definitely not least, the brewery tour, conducted by AleSmith owner, Peter Zien. Getting a tour from the brewmaster himself was a very special treat for the craft beer fans in attendance. 

 

We had an amazing turnout and most importantly, all of our guests had a great time!  

 

Our final toast for the night, from The Torres Team thanking all of our amazing clients for coming out and enjoying a great night of fun!

An Easy Way to Make More Money Selling Your Home

If you’ve ever sold a home, you know it takes money to make it happen. You’ve got to fix and freshen it up to attract buyers. Then there are closing costs. And moving brings its own set of expenses.

But perhaps the biggest chunk that comes out of your pocket is the real estate agent commission, which traditionally runs around 6%. For the typical “For Sale by Owner” (FSBO) home—which sold for $208,000 last year—that’s almost $12,500. Ouch!

With that kind of cash, it’s no wonder that many sellers fly solo in an effort to save a few bucks. But is it worth it?

Would You Rather Save $6,250 or Make $27,000?

Your home is a big investment, and you want to make the most of it. Keeping the agent commission all to yourself seems like an easy way to do that. The problem is you’re leaving even more money on the table by opting out of a pro.

How much more?

According to the National Association of Realtors (NAR), the typical home sold by an agent last year fetched $235,000. That’s a $27,000 difference!

Selling your home on your own doesn’t necessarily mean an agent-free transaction. You still owe it to the buyer’s agent to pay their commission. After all, they worked hard to get their buyer into your home. If they get 3% of the sale, you can cut your $12,500 in savings in half, leaving you $6,250.

The numbers alone paint a pretty compelling picture.

There’s Power in Numbers

If you want to sell your home, you’ve got to go where the buyers are. A recent NAR report found that 88% of buyers used a real estate agent to purchase their home in 2014.

Want to know the top method FSBO sellers used to market their home? A yard sign.

Last we checked, yards signs don’t exactly have their finger on the pulse of the market. Think about how many people drive by your home on a given day. Then stack that up against an agent’s pool of buyers. There’s no comparison!

With a real estate agent, you get instant access to thousands of potential buyers through the Multiple Listing Service (MLS). A great agent has a proactive plan for exposing your home to as many buyers as possible and works with you to ensure your home gives a great first impression.

There’s No Substitute for Experience

Let’s set the sugarcoating aside and cut to the chase. Going it alone guarantees one thing: You’ll make mistakes. Some will be small—but some will come with zeroes on the end. You’ve worked too hard to let that happen!

Research shows FSBO sellers struggle most with paperwork, pricing and preparing their home for the sale. A real estate agent can help you with all of those things (and more!) and will advise you based on experience, not emotion.

Here are just a few ways a pro makes selling your home a cinch:

• Advising you on home repairs or updates
• Pricing your home based on the latest market data
• Actively marketing your home to buyers
• Scheduling showings with potential buyers
• Negotiating to get the best price on your home
• Handling all the required paperwork

Look at it this way: A top notch agent sold more homes last week than you’ll probably sell in your lifetime. They eat, drink and sleep real estate. Doesn’t it stand to reason that they can help you achieve the most gain with the least pain?

Don’t Give Up Big Bucks Just to Save a Few

Can you save money by going FSBO? Sure. But you lose out on so much more! Do yourself a favor and give me a call.  I know what it takes to get top dollar for your home in the least amount of time.  I can be reached directly at (760) 586-0854 or my email StevenTorresRealty@gmail.com.  

Courtesy: Dave Ramsey

Steven Torres Earns NAR’s Military Relocation Professional Certification

FOR IMMEDIATE RELEASE:

Steven Torres

Elite Premier Properties

(760) 586-0854

Steve.Torres@elitereo.com

http://www.Your-SanDiego.com

 

Steven Torres Earns NAR’s Military Relocation Professional Certification

Military Personnel and Veterans Benefit from

REALTOR® Expertise in Military Benefits, the Relocation Process, and Support

 

Oceanside, CA, February 23, 1015 — Steven Torres with Elite Premier Properties has earned the nationally recognized Military Relocation Professional (MRP) Certification.  The National Association of REALTORS^® confers the MRP certification to REALTORS^® who want to help military personnel and veterans find housing solutions that best meet their needs and allow them to take full advantage of their military benefits.

When military staff and their families relocate, the services of a real estate professional who understands their needs and timetables can make the transfer easier, faster and less stressful.  REALTORS® who earn this certification know to work with active duty military buyers and sellers, as well as veterans.

“Homeownership is an important part of the fabric of America, and having a stable home environment is vital when men and women of the military are called away to serve their country. Working with a REALTOR^Ò who understands specific needs and timetables related to military service will help make their transfers easier, faster and less stressful,” said NAR President Gary Thomas, broker-owner of Evergreen Realty, in Villa Park, Calif. “The Military Relocation Professional certification will help REALTORS^Ò hone their knowledge and skills for working with veterans and active duty military buyers and sellers to ensure that homeownership remains affordable and accessible to them.”

The certification provides NAR’s members with resources to accommodate current and former military service members at any stage of their military career, and is an approved elective for NAR’s Accredited Buyers Representative (ABR^®) designation. To earn the MRP certification, REALTORS® are required to be in good standing with NAR;  complete a one-day MRP certification core course; complete a pre-class readings to learn military background information and better understand important acronyms and military culture; and complete two webinars.  For more information about the MRP certification, visit http://www.militaryrelocationpro.org

Weekend Events in North County San Diego – January 23-25, 2015

San Diego Restaurant Week

January 18- 24, 2015

http://www.sandiegorestaurantweek.com/

Experience cuisine that delights your palate and defines the art of dining in San Diego. Held twice annually, this beloved culinary tradition features discounted prix fixe menus from more than 180 of San Diego’s best restaurants in 12 unique regions throughout San Diego County.

No tickets or passes are required. Food lovers may simply dine out at as many participating restaurants as they like during San Diego Restaurant Week.

Various times and locations
It’s your chance to get out and try that restaurant you’ve been drooling over. Dine out at as many participating restaurants as you like. No tickets or passes are required.

North County Beer Festival

Saturday, Jan. 24

http://www.northcountybeerfestival.com/

1 p.m.- 5 p.m. Vista – Moonlight Amphitheater

Raise your glass to unlimited beer tastings from 50 local breweries and live music.

Disney On Ice

http://valleyviewcasinocenter.com/Disney-On-Ice-Lets-Celebrate-January-24-at-3-00pm

January 24, 3 p.m., Valley View Casino Center
Join all your favorite Disney friends at Disney On Ice presents Let’s Celebrate!

Circus Vargas

January 22 – Feb. 2, 2015

http://www.circusvargas.com/

Circus Vargas, America’s favorite traveling Big Top circus continues to thrill and enchant children of all ages with their new and amazing 2015 edition, Arlequin! Steeped in tradition and devoted to all things magnificent and happy, Circus Vargas presents an array of unparalleled artists and performers dedicated to captivate and astound you! Join us for an amazing experience, built on…

Kevin Nealon Stand Up

Jan 23, 2015

http://americancomedyco.com/kevin-nealon.html

With his unique sense of humor, profound dry wit and likeable demeanor, Kevin Nealon has established himself as one of the premiere television, theatrical and stand-up comedians of his generation. As a cast member of SATURDAY NIGHT LIVE (1986-1995), Kevin is most recognized for the characters he created, including; ‘The Subliminal Man,’ ‘Hans and Franz,’ and anchoring.

10 Questions to Ask Your Lender

A house is likely your most valuable asset, so it’s a good idea to know as much as possible about your mortgage before you rush toward closing day.

When you meet with a mortgage lender, here are 10 questions you should ask to ensure you’re clear on what your options are when buying a home.

1. What mortgage types do you offer?

Different mortgage lenders offer different types of mortgages. These can loans differ in the amount offered, interest rates, length and payment type. Common mortgage types include the following:

• Federal Housing Authority (FHA) mortgages
• Veterans Affairs (VA) mortgages
• Fixed-Rate Mortgages (FRMs)
• Adjustable-Rate Mortgages (ARMs)
• Interest-only mortgages
• Reverse mortgages
• Jumbo Loans

2. What mortgage is the best fit for me?

Your mortgage lender should be able to answer this question once you’ve completed an application and the lender takes stock of your employment, income, assets, credit, debt, expenses, down payment and other information about your finances.

3. What are the full costs of my mortgage?

This will be available to you via a Good Faith Estimate, or GFE, which is a line-by-line estimate of mortgage costs. Use this as a shopping tool to compare rates and expenses from various lenders.

When you’re ready to close, a finalized document called a HUD-1 settlement statement will be given to you.

4. When will I get the HUD-1?

By law, you have the right to receive the HUD-1 a day before closing or settlement.

5. What documents do I need?

Proof of income and assets, personal identification and information about your credit history are the big three. It can be a lot of paperwork, so start now by getting your paperwork in order.

6. What are the qualifying guidelines for this loan?

Many mortgage lenders require borrowers to meet certain guidelines. For example, VA loans are only available to eligible veterans, while qualifying mortgages have their own list of restrictions. Your lender will be able to tell you which loans you qualify for.

7.  Who will be the title and escrow agency?

You don’t have to leave selection of the title company up to the lender. See how much your mortgage lender’s recommendation will cost, then shop around and see if you can save any money.

You can do the same for an escrow agency and attorney.

8.  How long will it take to process my loan application?

The answer depends on how quickly you supply the required documents, the mortgage lender’s workload and the demand for inspectors, appraisers and other professionals involved. In general, it can be a few weeks to a couple of months.

9. What can I do to avoid slowing down the process?

While your mortgage lender will have specific recommendations to ensure speediness, here are some general recommendations:

• Fully complete all required documents.
• Be readily available to answer any questions.
• Be prepared to explain any past credit issues.
• Go over your credit report for errors.
• Do not take on any new debts, switch jobs or change careers during the process.

10.  What are the chances my loan will get sold?

There’s no way to tell, but if it does happen, don’t panic—it’s normal.

If it happens, the old and new servicing companies must notify you in writing of any changes so you know who to pay and how to proceed.

Updated from an earlier version by Broderick Perkins.