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San Diego County Housing Market Update

Here are current trends for San Diego real estate for March 2020:

The median price for single family detached homes in San Diego County is currently at $675,000. That is a 0.7% month to month increase and a 8.2% year to year increase.

While prices are increasing, sales for single family detached homes in San Diego county decreased by 1.3% year to year. Although there has been a slight decrease from last year there has been a 23.4% month to month increase and a 5.7% year to date increase.

Median time on the market for single family detached homes is currently 10 days. That is a 16.7% decrease month to month and a 47.4% decrease year to year. Single family detached homes are selling quickly in San Diego County!

For any questions about San Diego housing market please contact Garrett Trainor at First Line Realty!


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Current Homes for Sale in Santee, California

Are you interested in living in Santee, California? There are currently zero 1-bedroom homes for sale but twenty-one 2 and 3-bedrooms for sale. The median asking price for a 2-bedroom in Santee is $340,000. With the assumption of 20% down that would be a $68,000 down payment with monthly payments of $1,605. Looking for something bigger? The median asking price for a 3-bedroom in Santee is $574,000. With the assumption of 20% down that would be a $115,000 down payment with monthly payments of $2,709. Please keep in mind these are general figures and the home you are looking for could be reflected in a higher or lower price. Also, your monthly payments may vary given your financial situation. The estimated monthly mortgage payment assumes a 30-year fixed-rate mortgage (FRM) at the current interest rate. Payment also includes an assumption of 1.38% for property taxes and insurance. 

Current interest rates are favorable at an average of 3.45% down from 3.46% last month and 4.26% from last year. If you are interested in buying or would like further information about the market in Santee, California please reach out to First Line Realty!


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Determining Your Home’s Value – Let First Line Realty Help You

Appraisals and CMAs

Appraisals are primarily used to protect the lender’s interest in the property. Just like lenders can be hesitant to issue a mortgage to credit-risky borrowers, they don’t like to underwrite properties for more than they’re worth. Appraisals also are used when other factors have made it difficult to assess your property’s value, such as a lack of real estate activity in your area.

I like to stress the importance of understanding that an appraisal is just the opinion of a trained professional: Five different appraisers could attach five different price tags to your home. Appraisals are based on past sales data, the location of the home, the size of the lot and the condition of the home. If the buyer’s mortgage is insured through the FHA, the appraiser must disclose potential problems relating to the physical condition of the home; there are no similar stipulations for non-FHA mortgages.

The Appraisal Subcommittee of the Federal Financial Institutions Examination Council offers a member directory on its Web site if you would like to get in touch with an appraiser. You can check the status of California appraisers’ licenses through the Office of Real Estate Appraisers.

To determine an accurate measure of what your home is worth, I can supply a comparative market analysis (CMA), which provides information on recent selling prices of similar properties in the same market. With a CMA, you can monitor the closing price of specific house types in certain areas (e.g., a condominium in Downtown San Diego or a 4 bedroom house in Ramona). Again, please let me know if you’re interested in learning more about a CMA.

Setting The Price

In establishing the listing price for your home, you need to strike a delicate balance between a figure that will scare off potential buyers and a low price that doesn’t represent your home’s worth. Buyers will compare your home’s price with other properties on the market. Therefore, you should use a CMA to assess what consumers are paying for similar homes. CMAs also include information about area homes that failed to sell in recent months along with their corresponding list prices. I can can assist you in obtaining and analyzing that information.

I like to suggest some additional steps to help you set your list price. After analyzing sales data, you may wish to conduct some market research on your own. Attend an open house or two and make an impartial assessment of how those homes compare to yours in terms of size, location, amenities and condition.

I can assist with analyzing all the pertinent information with you to develop a list price. However, the final decision on the listing price for your home is your choice to make.


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Protecting your Home Against Floods and Mudslides in San Diego

Given all the rain we have had in the past week it may be a good time to look to check if you are covered from floods and mudslides! Here is what the California Department of Insurance and FEMA want California home owners to know about floods and mudslides in San Diego.

Flood and Mudflow Damage:

  • Know that flood damage is NOT covered by most homeowners policies. To be covered in case of a flood, you must purchase separate flood insurance prior to the flood itself.
  • Consider purchasing flood insurance. Check with your current insurance provider to see if they offer flood insurance as an add-on. You can also purchase and learn more about flood insurance through the National Flood Insurance Program at The average policy costs around $600 per year. Note that it may take 30 days from date of purchase for the policy to go into effect.
  • Remember that an elevated risk of flooding can remain up to five years after a wildfire. Keep track of your renewal date to make sure your policy does not accidentally lapse.
  • Not that a mudflow (in which a river of mud moves downhill) is usually covered by flood insurance instead of homeowners insurance.

Mudslide Damage:

  • A mudslide is typically classified as “earth movement” and is not covered by most homeowners policies. However, if a mudslide was caused by a wildfire, the resulting damage may be covered.
  • If your house is damaged by a mudslide, first file a claim with your homeowners insurance provider and flood insurance provider.
  • If your claim is denied, ask for a written explanation. Depending on the amount of damage, you may wish to consult with an insurance coverage attorney to assist you in any dispute with the insurer. You may also file a “Request for Assistance” form with the California Department of Insurance (CDI).
  • If your homeowners policy doesn’t cover damages, check whether a Local Assistance Center (LAC) in your area can help with special assistance programs. In a declared state of emergency, you may be able to get help from the Federal Emergency Management Agency (FEMA) or obtain low-interest loans form the Small Business Administration (SBA).

Sources: “Coverage for Flood, Mudflow, Mudslide, Debris Flow, Landslide, or other Similar Event After a Wildfire,” California Department of Insurance; “Flood After Fire Fact Sheet,” FEMA, California Association of Realtors.

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Why it is Important to Look at our Savings Now

Why do we save? We save because we can’t predict the future no matter how hard we try. Saving money can help you become more financially secure and provide a safety net in case of an emergency. Here are a few reasons why we save: retirement, emergency cushioning, education for children, and home buying. It is important to develop a household budget so you can develop a savings strategy and plan. Did you know 21% of Americans do not set any money aside for emergencies? It may be a good time to start looking at how we are developing our savings strategy. Who could have predicted the effects of a global pandemic like Covid-19?

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Looking to Downsize in San Diego?

Thinking of downsizing? People of all generations are deciding to downsize their homes. Look below to find out why Baby Boomers, specifically, are choosing to do so! Is it because you are an empty nester or to save money? Here are some stats of why some people choose to downsize in San Diego.

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First Line Realty Donation to One Line Foundation

Another check for over $2,000 off to One Line Foundation! I can’t thank my clients enough for believing in this cause and giving me the opportunity to sell their beautiful home located in Poway, California. With each transaction, I donate a portion of my proceeds to One Line Foundation in order to help the first responder community in San Diego, California!

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COVID-19 – Looking to Buy, Sell, or Invest in San Diego?

Fluctuating rates, fickle job market, and heightened fears of a recession are just a couple things creating a change in today’s housing market. How is COVID 19 changing the markets? What is your next step? Have you considered buying, selling, or investing? Are you even in a good position to consider one of those options? First thing is first… lets have a discussion.

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Just Sold – 17647 Saint Andrews Dr. Poway, CA 92065

Thank you Amy! Thanks to my client Amy, we were able to use the sale of her beautiful Poway home to progress our goal of growing One Line Foundation! Getting closer and closer to my goal of donating over $10,000 this year! If you’re looking to buy, sell, or you just have questions please reach out to me! Property With A Purpose!

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The Informant: Member Spotlight Garrett Trainor

By: Erika Vroom, Informant Editor – The Official Publication of San Diego Police Officers Association March 2020.

It is commonly said that if you’re passionate about what you do, you won’t work a day in your life. While many police officers often focus their time on their career and their family, there are some who are fortunate enough to find even more to be passionate about and more ways to give back. San Diego Police Department’s (SDPD) Officer Garrett Trainor has focused his passions in a few different directions. He hopes to not only protect and serve, but to also help make a difference in the lives of those who may need a helping hand.

Garrett was raised in sunny San Diego, California. He attended Poway High School and spent much of his time focused on becoming a police officer. He first became interested in law enforcement as a young child thanks to the ever-popular crime television show “The First 48.” In high school, Garrett was so passionate about the law enforcement career that he made it the topic of his senior project. He went to the extent of interviewing police officers, going to a gun range to practice his shot, and participating in a ride-along. After high school, Garrett attended college at the University of San Diego where he graduated with his Bachelor’s Degree from the School of Business, making him a first-generation college graduate. Inspired by his studies at the Burnham-Moores Center for Real Estate, he decided to get his real estate license and became a realtor for two years prior to applying for SDPD. “I liked what I did and I liked helping people, but I truly wanted to be a cop.” Thus, after being hired on with SDPD in 2015, Garrett dove into law enforcement to pursue his childhood dream.

Garrett loves the various communities that make up the City of San Diego and wanted to stay local to make an impact. During the application process for law enforcement, he knew that SDPD would be his first choice. He began his career at Northwestern, before going to Western division. It was at that point that he decided to apply for SWAT. Garrett successfully made his way through the SWAT Academy and is actively on the SWAT Team. When asked how SWAT differs from what he learned going into a patrol position, Garrett notes, “SWAT builds on a lot of the department’s basic training. It takes the concepts that are learned on patrol and expands on them so that they can be applied to more specific situations.” The most rewarding part of his career is when he has a chance to, “help someone who genuinely needs it…and not only needs it, but appreciates it.” It is most impactful when those in need appreciate what an officer has done to help them.

While Garrett keeps himself busy as the owner of First Line Realty, an officer at NPD, and a SWAT member, he spends a lot of his time off duty working on a project that he describes as his “passion project.” The way that Garrett best explains this project is as a merging of his passions: law enforcement and real estate. After becoming immersed in in his work as a first responder, he saw firsthand the sacrifices families made in order to work on the field. “Since the beginning of my time on [SDPD], I’ve seen so many people who give away parts of themselves to this job… Community members don’t always see the shift work and the sacrifices that an officer makes for their family and for their children in order to provide for the household,” Garrett explains. These men and women surrounding him became his family, and his passion has now evolved to go beyond his career in law enforcement and real estate by giving back to his local community. Garrett found a way that he could do something to help out not only his fellow officers, but his fellow first responders. He created a local non-profit charity, One Line Foundation. One Line Foundation is dedicated to providing financial aid to families of first responders working in San Diego County through educational scholarships, mental and physical health assistance, and memorial funds. Garrett wants to give San Diego an outlet to acknowledge the work he sees first responders do every day. There are countless national organizations that do outstanding charitable work for first responders across the country. However, One Line Foundation seeks to create a connection between our neighborhoods and the men and women serving these communities. In addition, the charity strives to acknowledge the daily hardships and obstacles many first responders experience, even when everything “goes right.” One Line Foundation aspires to act proactively and not wait for a tragedy to occur to make a difference.

Garrett is confident that he can make a positive impact on others. To prove his passion and dedication to the fund, Garrett takes a portion of each of his real estate commissions and donates it back One Line Foundation. His primary goal for 2020 is to provide educational scholarships to children of first responders. The deadline to apply to the scholarship is May 1, 2020. As a first-generation college graduate who was able to attend USD because of numerous scholarships, this program is close to his heart. More information regarding One Line Foundation can be found on their website http://one- or via email

Garrett’s passions drive his day-to-day. He is truly working towards everything he believes in. By giving back to those who work so diligently to keep the community wellness and safety as their top priority, Garrett is excited to partner with our local community to be the positive impact on the future and welfare of San Diego, the place we call home.