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Things to do in San Diego (in 2021)

Looking for the best things to do in San Diego? Things are finally opening up these days—our beautiful city is pulling through this thing with the style and grace it’s known for. Our iconic museums, big attractions, and favorite restaurants are back (with new rules, of course), but the city’s cultural life is blooming. From its art museums to its attractions, San Diego is the best city in the world. Its dining and drinking scenes, which are undergoing major changes, are still unbeatable. Every day we’re discovering something new and wonderful about our city, whether it’s one of the best cozy spots, or some incredible views, must-see art, or hidden gems.

Take the end of this Spring and all of this Summer to do some incredibly fun things in San Diego. As always in 2021, make sure to double-check with venues to see if programming is still on before you head out. I can’t wait to share my picks with you.

**If you do something on this list and love it, share with the hashtag #JoannaSanDiego

#1 Old Town

What is it? This food-and-culture destination is the historic area of San Diego. Step back in time and see the birthplace of San Diego, where Spanish settlers arrived and built the first of 21 missions in the state.

Why go? Today, you can wander through 15 historic buildings, and visit souvenir shops, and stores of homemade soaps, baked goods and preservatives, pottery, knickknacks and… food! There are over 25 eateries (most with an emphasis on Mexican cuisine) within a one-mile radius, so there is something for everyone in the family. Get even more out of your visit with an Old Town California: Hop-On Hop-Off Narrated Trolley Tour.

Don’t miss: Don’t forget to visit the Whaley House, the haunted building that has been featured in many books and TV shows including the Travel Channel’s Ghost Adventures and Travel Channel’s America’s Most Haunted.

#2 USS MIDWAY MUSEUM

What is it? This museum is aboard the historical longest-serving naval aircraft carrier and located at Navy Pier on The Embarcadero in downtown San Diego. Approximately 200,000 Sailors served aboard the carrier, known for several naval aviation breakthroughs as well as several humanitarian missions. The ship houses an extensive collection of aircraft, many of which were built in Southern California.

Why go? This self-guided audio tour, narrated by former Midway Sailors to more than 60 locations, including sleeping quarters, engine room, galley, bridge, brig, post office, foc’s’le, pilot’s ready rooms, officers quarters, primary flight control, and “officers country.” Other features include climb-aboard aircraft and cockpits, videos, flight simulators, and a narrated audio tour for youngsters. Not to mention the amazing view of the bay from up top the carrier.

Don’t miss: The high definition, holographic movie theater, “The Battle of Midway” Theater, which was added in 2017, and the virtual reality flight simulator ride (added in 2019) in addition to its existing four flight simulators.

#3 Maritime Museum of San Diego

What is it? Established in 1948, the Maritime Museum preserves one of the largest collections of historic sea vessels in the United States. Located on the San Diego Bay, also along the Embarcadero, the centerpiece of the museum’s collection is the Star of India, an 1863 iron bark. The Museum maintains the MacMullen Library and Research Archives aboard the 1898 steam ferry Berkeley, and also publishes the quarterly peer-reviewed journal Mains’l Haul: A Journal of Pacific Maritime History. 

Why go? There are so many vessels to explore, you can be there all day. There are tall ships, including the San Salvador (a replica of Juan Rodriguez Cabrillo’s galleon which discovered San Diego in 1942) and the HMS Surprise (used in the Pirates of the Caribbean movies) two submarines (including B-39 Soviet submarine), a ferryboat, a PCF 816 Swift Boat and more. Some days, mostly on weekends, there are pirates and mermaids that walk around the museum and take photos with the kiddos.

Don’t miss: A 45-minute tour around the bay on the 1914 Pilot Boat.

#4 Cabrillo National Monument

What is it?  Cabrillo National monument, not to be confused with Point Cabrillo lighthouses, is a National Landmark at the southern tip of Point Loma. It commemorates the landing of Juan Rodriguez Cabrillo at San Diego Bay on September 28, 1542. The event marked the fitst time a European expedition had set foot on what later became the West Coast of the United States.

Why go? The park offers a view of San Diego’s harbor and skyline, as well as Coronado and Naval Air Station North Island. On clear days, a wide expanse of the Pacific Ocean, Tijuana, and Mexico’s Coronado Islands are also visible.

Don’t miss: The visitor center, which screens a film about Cabrillo’s voyage and showcases exhibits about the expedition. **Don’t forget to check out their events. The annual Cabrillo Festival Open House is held on a Sunday each October. Other events are held above the National Monument and include Kumeyaay, Portugues, and Mexican singing and dancing, booths with period and regional food, a historical reenactment of a 16th century encampment, and children’s activities.

#5 Birch Aquarium at Scripps

What is it? The aquarium in La Jolla provides an alternative to Sea World. The focus at Birch is on ocean education and conservation and is the public outreach center for Scripps Institution of Oceanography at the University of California, San Diego.

Why go? This is definitely an all-ages attraction. Babies and toddlers love to get an up-close view of the tanks filled with glowing moon jellies, beautiful lionfish, silvery sardines, sharks and other sea creatures. It’s also a great day-date idea, as the quiet can be a romantic, but not too intense, scene.

They have over 5,000 fish in 60+ aquarium habitats plus exhibits showing cutting-edge research from Scripps Institution of Oceanography at UC San Diego.

Don’t miss: The outdoor Tide Pool Plaza where you can pet rays, sea stars, and sea cucumbers.

#6/7 San Diego Zoo and San Diego Zoo’s Safari Park

What is it? Usually known by its longer name The World Famous San Diego Zoo, the zoo is regarded as one of the best zoological centers of the world and is part of the San Diego Zoo Wildlife Alliance. Fur (I mean four) thousand animals representing 800 species make their home here.

Why go? You can get an up close look at lions, tigers, and bears (oh my!) and also koalas, elephants, kangaroos, camels, Komodo dragons, pandas, gorillas, monkeys, and so many more animals. You can board the SkyFari Aerial Tram to watch the animals from above, or a Guided Bus Tour through the park. Kids will enjoy the Children’s Zoo where they can pet goat and sheep, and play on the Fisher-Price Discovery Playground.

Don’t miss: The San Diego Zoo’s Safari Park, located about 30 minutes north of the zoo, which encompasses a whopping 1,800 acres (compared to the zoo’s 100). The Africa Tram is the park’s big attraction and it transports visitor through a wide open landscape similar to that of the African Savannah. Riders can see rhinos, giraffes, cape buffaloes, and more on a Caravan Safari.

#8 The New Children’s Museum

What is it? The New Children’s Museum is an arts-based children’s museum in downtown San Diego, whose mission is to “stimulate imagination, creativity and critical thinking in children and families through inventive and engaging experiences with contemporary art.

Why go? Most of the areas of the museum are age-specific, like Sketch Aquarium for ages 2+ and Reconnecting to Home for ages 6+. Meanwhile, other spaces engage children across all age groups encouraging kids to think, play, and create using hands-on exhibits and artistic activities.

Don’t miss: The new Outdoor Experience in the Museum Park where kids can cruise around a mini city in a toy car, joust in a chariot, get lost in a muslin maze, and water paint.

#9 San Diego Botanic Garden

What is it? The 37-acre San Diego Botanic Garden contains more than two dozen themed gardens situated along four miles of trails.

Why go? You can wander among plants and environments from desert to tropical forest and everywhere in between. Twenty-nine different flower gardens flower with more than 5,000 species of trees, palms, and bamboo from around the world. The garden houses the largest bamboo collection and largest interactive children’s garden in San Diego. It was even named among the Top 10 Gardens Worth Traveling for by the American Public Gardens Association.

Don’t miss: The Seeds of Wonder Children’s Garden is geared toward youngsters (kindergarten and younger). You will find tubs of soapy water and wands for making bubbles, buried plastic dinosaurs for digging up, a child-sized playhouse, and a model railroad truck with trains that chug through the garden.

#10 Belmont Park, Mission Beach Boardwalk, & Mission Bay

What is it? Located right on the Mission Beach Boardwalk, at Mission Blvd and West Mission Bay Drive, Belmont Park is San Diego’s premier beachfront amusement park, and features historic Giant Dipper roller coaster, a wooden roller coaster listed on the National Register of Historic Places, historic Plunge swimming pool, restaurants, shops, and arcade, and more!

Why go? There is so much to do and is fun for the whole family. Attractions and rides include the Giant Dipper, a carousel, carnival rides such as bumper cars, go carts, and a tilt-a-whirl, a big arcade, miniature zip line, restaurants, candy store, and everything is located right next to the beach (along the boardwalk) so you can go back and forth between the two all day.

Don’t miss: Mission Bay, not to be confused with Mission Beach. It’s right across the street and most of the time a little quieter, so, you can park your family picnic there, and let the older kids walk across to the beach and Belmont Park.

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Coronavirus Disease 2019 (COVID-19)

Stay home except for essential needs

Information by SanDiegoCounty.gov

 

About Coronavirus

Coronaviruses are a large family of viruses that affect humans and animals. They include those that cause the common cold. A new, or novel, coronavirus was identified in Wuhan, China in December 2019. The disease it causes has been named COVID-19.

 

How it spreads

Early infections in Wuhan, China were linked to an animal market. Now the virus is spreading from person to person. Someone who is actively sick with COVID-19 can spread the illness to others.

Scientists think the main way COVID-19 spreadis is through close person-to-person contact, within 6 feet, with someone infected with the virus. The virus seems to be spreading easily in the community of affected areas. Investigations are ongoing to learn more about how it spreads. The latest updates are on the CDC’s webpage.

Symptoms 

Patients with confirmed COVID-19 infection have reported mild to severe respiratory illness with symptoms of:

  • fever
  • cough
  • shortness of breath/difficulty breathing

At this time, the CDC believes that symptoms of COVID-19 may appear in as few as 2 days or as long as 14 days after exposure.

How to protect yourself

Practice everyday preventive actions to help prevent the spread of respiratory viruses, including:

  • Wash your hands often with soap and water for at least 20 seconds.
  • If soap and water are not available, use an alcohol-based hand sanitizer. It should be at least 60% alcohol.
  • Avoid touching your eyes, nose, and mouth with unwashed hands.
  • Clean and disinfect frequently touched objects and surfaces often.
  • Avoid close contact with people who are sick.
  • If you are sick, stay home and keep your distance from others to protect them from getting sick too.
  • Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
  • Practice other good health habits. Get plenty of sleep, be physically active, manage your stress, drink plenty of fluids and eat nutritious food.

Pandemic Preparedness

Take action to protect yourself and your family during the COVID-19 pandemic.

Below are steps you should follow at home.

Households

Get your household ready. Some steps will be the same as preparing for other emergencies.

  • Store a two-week supply of food, beverages, and water, including food for family pets. Ensure an adequate supply of prescribed and routine medications are on hand.
  • Plan ways to care for those who are at greater risk for serious complications and who will take care of sick family members.
  • If you have family members with increased risk of getting seriously sick, check with your medical providers about symptoms and treatment.
  • Create an emergency contact list of family, friends and neighbors.
  • Have a plan in case your childcare facility or workplace closes temporarily.
  • Choose a room in your home where a sick household member can be kept separate from the rest of the family. If possible, find a separate bathroom as well.

 

Disinfecting Your Home

Disinfect your home regularly to protect your family from the virus.

  • Clean surfaces that are frequently touched like tables, doorknobs, light switches and faucets with soap and water.
  • Use diluted household bleach solutions if appropriate for the surface. Follow manufacturer instructions and make sure you have proper ventilation. Never use household bleach with ammonia or any other cleanser.
  • You can also disinfect using EPA-approved products proven for use against the COVID-19 virus (e.g., Clorox Disinfecting Wipes, Lysol Clean & Fresh MultiSurface Cleaner, Purell Professional Surface Disinfectant Wipes).
  • If using an alcohol solution, make sure it’s at least 70% alcohol.
  • Clean your hands frequently with soap and water for at least 20 seconds especially:
    • After blowing your nose, coughing or sneezing
    • After using the bathroom
    • Before preparing and eating food
    • After petting animals
  • Avoid touching your face with unwashed hands

Additional measures should be taken if a household member is suspected/confirmed coronavirus disease.

During a COVID-19 Outbreak

  • Stay at home to stop the spread of the disease unless you are an essential worker. You can go out to buy groceries, walk the dog and enjoy the outdoors but follow social distancing guidelines by staying six feet away from others. Be sure your park or trail is open before you go.
  • Stay informed but limit your amount of news if it becomes stressful.
  • Stay in touch with family, neighbors and friends.
  • Take care of your mental health.
  • Stay home if you are sick and isolate yourself from the rest of the family. If symptoms become worse, contact your doctor.

Hope this helps!! Stay safe everyone!!

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Seller Buydown (For Buyers)

More Tips and Tricks on the LoansByJoanna Guide

Coming soon: Seller Buydown (For Sellers)

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When you qualify for a home loan, you’re actually qualifying for the monthly payments

We know that for a home buyer, nothing takes priority quite like having an affordable mortgage payment. The price you’ll be approved for depends entirely on both your down payment and the maximum payment for which you qualify. And the most significant factor in determining what that payment will be is your interest rate.

For those buyers who opt to use an interest rate reduction mortgage, your real estate agent will negotiate with the seller to accept a fair price if they will give you credit to permanently reduce, or buydown, your interest rate.

Just a reduction of 0.25% in your interest rate could mean tens of thousands of dollars of interest that you will save over the term of your home loan. And this, of course, can mean the difference between affording your dream home and going with option B.

At the end of the day, this is a win-win situation for both the buyer and the seller of a home.

Using this credit (also known as a seller’s concession) to permanently lower your interest rate will lead to a reduction in your mortgage payment, allowing you to afford a higher sales price while keeping your payments right where you needed them to be all along.

The seller benefits as much as the buyer in that the seller gets the offer they wanted, and your below-market interest rate means a lower total payment— even though you offered a fair purchase price at market value.

You may be thinking, “Why don’t I just ask the seller to reduce the price of the home?”

That’s a great question, and most buyers are going to default to assuming this is the way to go. But using an interest rate reduction mortgage means your offer will stand out from the competition. A higher offer gives you a higher chance of sealing the deal.

Because it’s been established you aren’t trying to take any precious money out of the seller’s pocket (by having to make a lower offer), your far more desirable offer will inevitably stand out from all of the other buyers trying to get the lowest price possible.

While a desperate seller may take a low offer, most sellers are going to take the offer that will allow them to make the most money from the sale. Period.

If your offer keeps your payment where you want it to be while the seller also gets what they want, then everybody wins.

A successful negotiation is when all parties feel like they got the best deal. You get your payment. The seller receives their money. Everybody wins when everybody wins.

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More Tips and Tricks on the LoansByJoanna Guide

Coming soon: Seller Buydown (For Sellers)

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Dreaming of a Second Home

You work hard during the week! Maybe you need a nice relaxation spot to spend your weekends or holidays. Maybe retirement is just over the horizon and you want to start enjoying the perks of owning a second home. Maybe you’ve already retired and are looking for an oasis to visit often. Whatever the case, a second home may be within your reach!

Many of us dream of a beachfront home. California, with its perfect weather, endless activities, and unbelievable seafood, is a frontrunner. Popular So Cal spots include La Jolla, Encinitas, Redondo Beach, and Dana Point. Second homes, however, don’t have to be near a beach. Imagine vacationing in historic areas such as Riverside, Avalon, and Julian. Whatever the case, many choose to live in So Cal full time because of the quality of life, weather, things to do, and is a dream for so many of us.

I hear all types of questions when it comes to owning a second home. Common questions include:

  • What is the minimum down payment on a second home?
  • Can I buy a second home that will eventually be my retirement home?
  • Is flood insurance required?
  • What are the second home mortgage options?

Okay, let’s break this down.

1.) What is the Down Payment Requirement on a Second Home Purchase?

Many people believe that buying a second home (or even a primary home) requires 20% down. Although buying a principal residence has more low to no down payment options such as VA, FHA, and USDA, lower down payments for second homes are still available if you know where to look.

For example, as little as 10% of the purchase price could be allowed as a down payment. An additional way of keeping the out of pocket funds low would be to include seller paid costs for the buyer. When buying a second home and financing between 75.01% – 90% of the price, the seller is allowed to pay 6% of the sales towards the buyer’s closing costs and pre-paids. If the loan amount is 75% or less of the price, then the seller may pay 9% toward costs.

Low down payment requirements make owning a second home more obtainable, and luckily, there are plenty of sources. Down payment sources (for funds to close) include bank accounts, retirement account withdrawal, retirement account loan, investment accounts, home equity loan/line on the primary, sale of another home or asset, and gift funds (after the minimum requirements are met).

Discuss these possible sources with your mortgage loan officer to find out if there are any other requirements and to discuss whether one option may have advantages over another for your situation.

2.) Can I Buy a Second Home That Will Eventually Be My Retirement Home?

This is an excellent question, and a very popular request these days. Enjoying a home while you can, before possibly moving into the home permanently may be ideal. Occasionally, the question, “Is it okay to buy a property as a second home and then convert it to a primary residence down the road?” The answer is, yes! That is perfectly fine, as long as the intention was to buy as secondary, it was used as secondary, and eventually converted to primary down the road.

As long as you can afford the two homes, this would be a great way to prepare for the enjoyment of a vacation property, learn about the area, maybe vacation there, and then eventually use it a lot!

3.) Is Flood Insurance Required?

A lot of times, buying a second home means living close to a body of water, whether it be a lake, pond, waterway, or ocean. If this is the case, the structure may be in a flood hazard area, and flood insurance is required. If you are considering a home with flood insurance, ask the seller for a copy of existing flood policy, elevation certificate, and survey. These help the buyer’s lender and insurance company determine whether or not the property requires flood insurance.

If flood insurance is required, these could help get the quote, and prove that the home is not in the flood hazard area. If flood insurance is not required, it may still be a good idea to obtain flood insurance, and because the structure is not in a hazard area, the flood insurance premium would be much cheaper. As always, consult with a knowledgeable agent about your best options.

4.) What Are My Second Home Mortgage Options?

This is an excellent question, and a very popular request these days. Enjoying a home While government loans such as FHA, VA, and USDA may be for primary residences, Fannie Mae and Freddie Mac conventional loans, as well as jumbo loans allow for second home financing. Plus, there are advantages to using conventional loans, such as flexible guidelines with student loan debt, low mortgage insurance rates for high scores, up to 50% debt ratio, condo financing, and second home renovation loans. Conventional loans are limited to the county conforming loan limits, but that’s where a jumbo loan comes in handy. Jumbo loans provide financing for luxury homes exceeding these limits.

If you’re looking to find your dream vacation getaway, retirement oasis, or just a second home, contact me and I can help you with the process!

 

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10 Things to Consider When Buying a San Diego Home in 2019

Screen Shot 2019-01-11 at 2.30.21 PM.pngPhoto Credit: Evolve Vacation Rental Network

#1 – Which San Diego Neighborhood is Right for You?

From Hipster communities, to Business Districts, San Diego has so many unique neighborhoods to choose from. You should carefully consider these communities based on affordability, availability, and just what fits with your lifestyle. Ocean Beach, La Mesa, Mission Valley, North Park each have their own unique personality. Check out our last blog: Neighborhoods in San Diego for help with making your decision.

#2 – Have You Considered Cost of Living?

Right now, San Diego is the 13th most expensive city in America, according to USA Today. In the world, we’re 40th most expensive city. Not to be a Killjoy, but when it comes to money, too many of us consider salary without considering the cost of living. A high cost of living can drastically reduce the effectiveness of your income, and reduce your long-term wealth. Before purchasing a home in San Diego, make sure that your foreseeable day-to-day expenses are manageable.

#3- Do You Have a Mortgage Approval?

Required by the California Purchase Agreement, buyers need to obtain a mortgage approval. Before you go shopping for that great property, get a preapproval letter from a reputable mortgage company or brank. Contact me if you need help with this. It’s important to verify exactly what you can afford rather than waste your time searching for a home that is over your budget.

#4- Higher Loan Limits in 2019

As you’ve probably heard, borrowers in San Diego will enjoy higher loan limits this year. Federal housing officials have increased the loan limits for FHA, VA, and conventional mortgage loans. This means San Diego home buyers could have more properties to choose from without venturing into jumbo mortgage territory. As of January 1st, Fannie Mae and Freddie Mac loan limits have increased to $453,100 to $485,350 for a single-family home purchase.

#5 – Transportation

If you don’t own a car, or if you just like to take public transportation to sporting events and giant beach festivals, you might want to consider whether there are bus stops or a trolley station nearby. The San Diego Trolley is a great option for getting around the city quickly and avoiding traffic. You’ll also want to consider traffic near your area, especially during rush hours, and whether an Uber or Lyft driver can get to your area without trouble.

#6 – The San Diego Real Estate Market is Competitive

Although sellers have an advantage, San Diego real estate market is competitive for buyers. In a San Diego seller’s market, it’s important that as a buyer, you are realistic about how assertive and responsive you need to be in order to get the house you want. Sleeping on an offer overnight might not be an option this year.

#7 – Have You Chosen a Buyer’s Agent?

In such a heated seller’s environment, an experienced buyer’s agent, who knows this city, can give you that competitive edge. Hire a BA who’s an expert negotiator. It can make all the difference between getting your offer accepted, or losing out to another buyer and having to start again.

#8 – Demand is Higher at the lower end of the spectrum

In San Diego, the local real estate market is particular active at the lower end of the spectrum. By comparison, pricier properties are taking much longer to sell. If you’re buying a comparatively low-priced home in San Diego in 2019, you should be prepared for competition. This is because there is more demand in the “starter home” price range.

In fact, the fastest homes to sell fall between the $250-$500,000 range. If you’re looking for a property in this price range, jump quickly, and save yourself the frustration of losing out to other buyers.

#9 – Increasing Your Low Credit Rating

When it comes to improving your credit, there really is no time to waste. A low credit score may not seem like a big deal until it’s time to leverage your credit for a mortgage. Increasing your low credit rating will help you qualify for a higher-priced home, at a lower interest rate, making it more likely to purchase your dream home.

#10 – Setting Your Expectations and Formulating Your Plan

To recap, homebuyers interested in the San Diego market, are buying into one of the hottest real estate markets in the country. Therefore, it is important that you become informed prior to your search. Hiring help is always a great idea. Contact me so that I can help you set your expectations, formulate a plan, and ace this process, to make the most of your efforts.