The Blog

Hi everyone! My name is Lauren Wilbor and I’m the new social media coordinator. I am currently a freshman at the University of Colorado Boulder, and majoring in Political Science. I love all things San Diego, and wanted to share some fun events happening this weekend around town! First, there is the 38th Annual Martin Luther King Jr. Parade on Sunday, 1/14. The starting point is at North Harbor Drive and Ash Street, and ends at the Embarcadero. For all those foodies out there, check out Bite San Diego Walking Tours. Bite San Diego hosts a three hour tour of various neighborhood eats, featuring tastings from five different restaurants. These tours vary by location and time. Have a great long weekend!

For all those foodies out there, check out Bite San Diego Walking Tours. Bite San Diego hosts a three hour tour of various neighborhood eats, featuring tastings from five different restaurants. These tours vary by location and time. Have a great long weekend!
Lastly, I just wanted to mention to keep your eyes peeled for various promotions and giveaways! Our Win a Free Mortgage Payment promotion is back, so make sure to stay updated with our social media for details! Not only that, we will have different vacation and sports game giveaways so also keep your eyes out for that!

There are a wide range of beautiful neighborhoods located within San Diego, it’s almost impossible to compare them all. We have found some of the next up and coming neighborhoods you need to keep an eye out for. The neighborhood you decide to live in is an important factor to a healthy fun lifestyle. A convenient location, welcoming neighbors, and great weather can create an idealistic neighborhood and we found those characteristics within the neighborhoods listed below.



In the Eastern outskirts of San Diego, La Mesa is a quaint little town north of Lemon Grove. With a population of roughly 60,000 this town operates on mom and pop restaurants and families who have lived there for many years. La Mesa is a great area to live in due to their strong sense of community and friendly people, the type of neighborhood where everyone seems to know each other. La Mesa is reasonably priced considering homes are on the market starting at $450,000. The average home price ranges from $470,000 to $530,000. Since 2003, residential prices have increased roughly 49.7% with homes now on the market for $945,000. The residents of La Mesa truly care about their neighborhood and community creating a safe family friendly town. The crime rates in this neighborhood are fairly low landing under the 3.5 National median crime rate. There are 14 different parks within La Mesa and many public art sites giving off that small town quality within a big city. If you haven’t thought about living in La Mesa, we suggest checking out this cute village-like neighborhood.



The next upcoming neighborhood, south of Downtown San Diego, is the urban neighborhood of Barrio Logan. This unique neighborhood embraces their historic sites and Mexican-American culture. Barrio Logan is referred to as “el ombligo” meaning the center of the world. The construction of interstate 5 resulted in splitting Logan Heights in half creating another side that is now Barrio Logan. This diverse neighborhood ranges from the working class to hipsters to college students. There are many historical sites that represent the Chicano and Maritime heritages and history like the Chicano Park that was created by the local residents. With many industrial businesses in the area, they have a well organized community based off their history of the land.  A single-family home in this area is estimated at $520,000 similar to La Mesa. Majority of these homes are fairly new and some include views of the harbor. The property in Barrio Logan is affordable with low- and mid- income homes and apartments where roughly 18% are homeowners. Nice and close to the harbor, Barrio Logan is an evolving neighborhood continuing to grow.


Another big community based neighborhood is Talmadge. They pride themselves in their community organizations as there are always weekly and monthly events happening. The price range for homes in this area range from the low $500,000 to the high $950,000 dependent on location and amenities. The majority of the people who live in this area are between 20-45 creating a pleasant upbeat atmosphere. The cute homes in this area are roughly ten to fifteen years old with styles including California bungalows, Cape Cod cottages with Spanish influences. Talmadge is a diverse neighborhood with a lot to offer. Their Volunteer Citizens Patrol Organization, patrol on all streets and alleys influencing their low crime rate. Talmadge is a beautiful area with an awesome community base, so check out their neighborhood website for upcoming events and news.

We hope you remember these neighborhoods the next time your looking to buy a home. Not only are they located in beautiful San Diego, but their affordable homes and active community create the ideal neighborhood! Keep La Mesa, Barrio Logan, and Talmadge on your radar as they are the up and coming neighborhoods in San Diego.


As the warm weather approaches, you may find yourself asking where to next? Vacation season is approaching and it is time to treat yourself and/or the family. We have found the best locations to get you started on your next adventure!

Living in San Diego, it’s extremely easy to venture out to neighboring cities, weekend getaways to Palm Springs, Vegas, or LA. But why not try something different! Step out of your comfort zone and travel to new places. We all know how expensive vacations can be but off season deals are available. Adventure is out there!



You’re never too old to take a trip to Disneyland! Whether with the family or adults only, you can experience the magic at a fairly inexpensive price. It’s obviously best to go before summer prices begin. Take a quick road trip up to LA or fly in with great deals from Southwest, United, or your preferred airline. If your living in SoCal, don’t forget about the residential ticket prices! With a valid ID, you can save roughly $50 a day by purchasing the 3-Day Park Ticket. There are multiple package deals available and some include hotel rates. Thrilling, magical, easy getaway, that’s Disneyland.

Not too stoked about visiting Mickey Mouse? Well, make your way up North and head on over to Canada! The North Adventure Inn located in Cochrane, Ontario rents out the sickest igloos you ever did see. These luxury igloos are equipped with a full bath, kitchenette, electricity, and even WiFi. Their low rates and accommodations are ideal for traveling on a budget. Roughly 8 minutes from the hotel is the Cochrane Polar Bear Habitat which is open all days of the week. If you love the snow, this trip is a unique adventure waiting to happen.

If you’re really wanting to get away, then why not take a trip to the Caribbean! One of the most affordable island getaways is the Dominican Republic. Whether staying in the capital city Santo Domingo or beach town Punta Cana, there are plenty of inexpensive hotels and of course don’t forget about Airbnb’s. With an exchange rate of $1 = 47 Dominican pesos, you won’t feel like your blowing cash. Enjoy your vacation by bar hopping, exploring the historical cities, and hanging out with some of the locals. The Dominican Republic is a beautiful destination as well as affordable, so why not! Book your flights in advance for better rates.

For the camping lovers, grab your sleeping bag and head out to the great outdoors! Escape the city life and hit the Ventura Ranch campgrounds. Roughly an hour outside of LA, Ventura Ranch is located in the tallest Ventura mountains called Topa Topa. Reserve a cabin, safari tent or Indian-style tepee and you’re guaranteed to enjoy your stay. Keep an eye out for their campground deals similar to their current deal, camping for only $10 on May 13th!  Outdoor fun for family, friends and pets with nature walks, zip lining and much more. Sometimes an outdoor adventure is all you need.

Take your vacation to the next level by bussing across America! Yeah, you can do that. Plan your trip and visit the states you never thought you’d be able to or wing it and hop on a bus, either way you’ll have an unforgettable time. Greyhound bus line offers inexpensive travel options all across the United States. With bus lines running 24 hours, you can wake up in a new state ready for a new adventure. Yes, the bus route can be a little sketchy at times, but there’s nothing like meeting new people from all across the states traveling to new places. Step out of your comfort zone and explore this place we call home.


So, pack your bags and start your next adventure! Whether traveling alone or in a large group, take the time to spoil yourself with a weekend getaway.

The Win A Free Mortgage Contest winner will be announced at the end of the month!! For your chance to win, sign up on our website, its that easy.

Come alive after sunset!! Whether rain or shine there are bars, concerts, and clubs waiting for some party people. Don’t let a gloomy stormy day stop you from San Diego’s lively nightlife. Enjoy a memorable night out with some friends and get the weekend started. Visit some of the hottest spots right here in SD.

If your feeling tropical, Craft & Commerce has redesigned to a dual-concept venue featuring False Idol Tiki Bar! Located in Little Italy, this hidden away gem has delicious exotic cocktails that are unlike any other. Ranging from fruity to crisp, there’s a cocktail for you! Not only are their cocktails amazing, but the creatively decorated bar creates the perfect tiki getaway. You can reserve a table online or simply show up. So grab your luau skirts and head on over to the tiki bar! 10/10 recommend.

675 W Beech St San Diego, CA 92101 b/t 6th Ave & 7th Ave

Next is San Diego’s favorite outdoor concert venue, Humphreys Concerts by the Bay! This venue has been providing entertainment ranging from jazz and rock to blues, comedy, and international music since 1982. There are multiple packages available including dinner shows and premium packages that offer a night stay in Humphreys Half Moon Inn & Suites. Their next event starts in April, so mark your calendars for a concert that fits you. This venue is perfect for all ages, so bring the family and even grandma or grandpa!

2241 Shelter Island Dr, San Diego, CA 92106

Located in Ocean Beach, Wonderland Ocean Pub is the hottest spot on the block. You can choose from a premium selection of wines, beers, and cocktails. They even have wine on tap! Yes, I said on tap! Their goal is to eliminate waste while serving consistent quality wine. Visit them Monday through Friday starting at 3pm for their Sunset Happy Hour. Sip a cocktail, beer, or wine while enjoying the beautiful view of Ocean Beach. As Wonderland states, “There is no better place to raise a glass and toast another glorious day in sunny San Diego”.

5083 Santa Monica Ave, San Diego, CA 92107

Happening every night of the week, Old Town gets down! If you’re looking for live music and dancing, Casa De Reyes hosts Old Town’s favorite mariachi band and wonderful folklorico dancers. Channeling San Diego’s roots these live performances sure know how to spice up the night! Try their delicious 58 oz. El Jefe Margarita, its perfect for two or for yourself if you’re ready to have a really good night!

Old Town San Diego State Historic Park, 2754 Calhoun St, San Diego, CA 92110

And lastly one of the original beach bars, the Beachcomber. Only a few steps from Mission Beach this bar offers inexpensive drinks, a groovy dance floor, and live music! Choose from craft drafts and high-end distillers, you’re guaranteed to have an unforgettable time. Attend their Bingo Mondays or Trivia Tuesdays and their live music every Sunday. There are events happening all the time. In fact, happening this Friday, February 17th at 9pm a high energy folk-rock band by the name of ChugBoat will be playing. Visit Beachcomber’s lively atmosphere and enjoy some live music!

2901 Mission Blvd, San Diego, CA 92109

There’s no better way to start the weekend than with some friends, drinks, and music. Although its not a sunny San Diego day, don’t be afraid to cozy up in a bar. Stay safe and Happy Friday everyone!

Don’t forget to like us on Facebook at BlueBolt Funding.


You can never go wrong with choosing brunch and San Diego has some of the greatest brunch places you must try. Whether you live in Mission Beach or Del Mar, there’s a brunch spot for you, check them out!

First, located in North Park, Breakfast Republic’s lively atmosphere creates a perfect morning brunch. From the Breakfast Bacon Mac ‘n Cheese to the S’mores French toast, they’ve got it all! Pair your meal with a yummy morning cocktail and check out their assortment of beers on draft. They have beer flights for only $8! #BreakfastRepublic

2730 University Ave, San Diego, CA 92104 (619) 642-0299

Looking for some authentic Mexican soul food? Then you must try Barrio Star in Downtown San Diego! Serving brunch every Saturday and Sunday, their fun and flirty environment is enjoyable for all ages. Try their wide variety of taco plates including their delicious brunch tacos. If you love Mexican food this is a must try!

2706 Fifth Ave, San Diego, CA 92103 (619) 501-7827

Located in Mission Bay, the exotic Catamaran Resort Hotel and Spa hosts a Sunday Champagne Brunch, children welcomed. Enjoy the delicious prime rib or the braised duck chilaquiles, they won’t disappoint! Along with their brunch plates, they provide a wide selection of seafood ranging from Pacific Oysters to King Crab Legs. Enjoy the amazing view along with a delicious brunch!

3999 Mission Blvd, San Diego, CA 92109 (858) 488-1081

The hype about Snooze: an AM Eatery is no joke! Their mouthwatering menu is worth the wait. Their unique selection of benedicts include a Chile Verde Benny, slow cooked pulled pork over green chile sauced tortillas, will leave you wanting more. From pancakes to sammies to lighter options, you’ll find the brunch plate for you. They are also an Ocean Friendly Restaurant, reducing disposable waste in our oceans and beaches. Located in Del Mar and Hillcrest.
General Manager Alecia Velascl shares, “It’s not just about the great food, but the great ambience, fantastic service and how we make our guests feel like family”.

Hillcrest: 3940 5th Ave, San Diego, CA 92103 (619) 500-3344
Del Mar: 3435 Del Mar Heights Rd, Suite D3 San Diego, CA 92130 (858) 703-5300

Lastly, come visit the galaxy. That is, Galaxy Taco! Located in La Jolla, they serve Sunday brunch with authentic Mexican cuisines. Try your traditional brunch plates with a Mexican twist. Their waffle plate comes with fresas con crema, banana, lemon zest, and Mexican chocolate dust. Yum! If you are feeling adventurous start with the Grilled Octopus Tostada served with spicy habanero salsa. And of course make sure to leave room for the Churros and vanilla ice cream.

2259 Avenida De La Playa, La Jolla, CA 92037
(858) 228-5655

Thinking of trying out these brunch places? GOOD, we want you to! Stay tuned for what’s to come and be sure to check us out on Facebook at BlueBOLT Funding.

Features of Reverse Mortgages – San Diego Advice

With the reverse mortgages San Diego lenders offer, homeowners over the age of 62 can benefit from a very special loan structure designed especially to make the life of retired people easier from a financial point of view. The loan has a very suggestive name: it is a reverse loan because it does not require the borrower to make any monthly payments towards the lender – he or she will receive monthly payments from the lender instead.

San Diego Mortgage Lender | San Diego Mortgage Broker


How Do Reverse Mortgages Work?

Regular mortgages, also called forward mortgages, make money available for borrowers, requiring them to pay back that money by making regular, usually monthly payments toward the lender, thus decreasing the mortgage balance and increasing the equity on the property with each payment. Reverse mortgages work the other way around: the homeowner practically transforms the equity built on the property (the difference between the current value of the property and the amount still owned on the mortgage) into cash that is paid by the lender in the form of a single lump sum, a credit line, in monthly installments or in a form that combines the latter two options.


The property with the equity transformed into cash will stay in the borrower’s property and will serve as a security for the loan. The equity on the property decreases as the loan progresses, while the debt accrued by the borrower increases in equal measure. Upon the termination of the loan in any way – the borrower moves from the property or passes away – the lender will recover the money paid to the borrower by selling the property. The equity left on the property, if any, goes to the borrower or is distributed among the borrower’s heirs.


Eligibility for Reverse Mortgages – San Diego Lenders and the Conditions They Work With


Reverse mortgages are available for senior citizens, the lowest age you can apply for such a loan being 62 years of age. However, when applying for reverse mortgages, San Diego citizens and the property used as security must fulfill certain conditions:

  • The property offered as security must be a single family home the borrower lives in or a home that comprises 3-4 units, out of which at least one unit must be occupied by the borrower;
  • To qualify for the reverse mortgage, the borrower must be the owner of the property or have a very low mortgage balance that can be paid off with proceeds from the reverse loan;
  • The borrower must have a financial situation that permits him or her to pay property charges such as taxes.


If you want to find out more about eligibility conditions and the process of applying for reverse mortgages, San Diego counselors can help you understand the process in detail so that you can make an informed decision about the type of mortgage and the amount to apply for. The list of counselors is to be found on the website of the U.S. Department of Housing and Urban Development (HUD). With the help of local experts in reverse mortgages, San Diego borrowers can make the best use of this excellent loan opportunity.


Mortgage Reverse Reverse Home Loan Reverse Mortgage Reverse Mortgage San Diego San Diego Reverse Home Loan San Diego Reverse Mortgage

Regulations and Other Details Veterans Should Know When Getting a Home


If you are an active army member or a veteran and are wondering about the San Diego VA loan limit, 2012 regulations will define the amount you will be able to get – limitations that are very important because they will ultimately define the value, the size and the location of property you can purchase.


San Diego Mortgage Lender | San Diego Mortgage Broker


What is the General VA Loan Limit?


VA loan limits were implemented in 2012 because of the economic situation of the U.S. in that year and have stayed in place ever since. According to these regulations, the loan limit in most of the country is $417,000, with some regions such as Alaska, Hawaii or Guam ranging between $625,500 and $938,250.


San Diego VA Loan Limit 2012 – Specific Numbers


The general VA loan limit – that is, the limit for most counties across the U.S. – is $417,000, but in counties with more expensive real estate markets, the limits can be higher. California is considered to be such a high expense market, and that is why the VA loan limit for San Diego County is $562,350. This is the valid limit for the cities in the county, including San Diego, Rancho Bernardo, San Marcos, Oceanside, Encinitas, El Cajon, Escondido, Chula Vista and Carlsbad.


This limit, however, does not mean that the borrowers eligible for VA loans could not buy property that is more expensive than this amount. It only means that the VA guarantees a loan of a certain amount, so the borrowers who want to purchase property that is more expensive than that will have to cover the difference out of their own resources.

What Can You Use the Loan for?


The Amount You May Borrow On Va Home Loans


When it comes to the San Diego VA loan limit, 2012 regulations might constrain the amount you can borrow in a county-specific manner, but the purpose you can use the loan for is the same anywhere in the US. You can use the loan to buy an existing home such as a condo, a townhouse, even a multiunit property, provided that you will use the property as your principle residence. You can also use the loan to refinance your existing VA loan or even a non-VA loan into a VA loan and to make improvements to your existing home or the home you are purchasing in terms of energy efficiency.


There are things that you definitely cannot use your VA loan for. These include the purchasing of property as investment, the use of the amount you are entitled to as a business loan, the purchase of property that does not have a building that can be used for residential purposes and the purchase of a second home.


If you want to find out more about the San Diego VA loan limit, 2012 regulations, and your possibilities as a prospective borrower, you can turn to a financial expert in the area.


San Diego VA Home Loan Limit


With the help of a specialized financial consultant, the San Diego VA loan limit, 2012 regulations and other such details will become much easier to understand, and you will be able to get the home of your dreams with a loan that will not burden your monthly budget.


San Diego VA Home Loan San Diego VA Home Loan Limit VA Home Loan VA Home Loan Limit VA Home Loan Limit San Diego VA Home Mortgage Limit VA Limit VA Loan Limit VA Mortgage Limit

Obtaining Information About San Diego VA Home Loans


When it comes to VA home loans, San Diego gives home to numerous great and reliable lenders of these special and very advantageous types of loans. These reputable and knowledgeable lending institutions can offer not only comprehensive help with each and every aspect of taking a VA-backed loan, but they can provide detailed information about the properties available through this program. Here are a few of the many ways these institutions can help you.


San Diego Mortgage Lender | San Diego Mortgage Broker


Locating The Best Homes


With the help of companies specialized in VA home loans, San Diego borrowers can find out about all the real estate possibilities available to them. It is important to note here that not all homes can be purchased with a VA loan. The property you can get must comply with rules and regulations regarding type and construction quality and you must use the property as your primary residence.


Here Is The List Of Eligible Categories:

  • all townhouses;
  • condominiums that carry a VA approval as a whole, not only for the unit you want to buy;
  • mobile homes that fulfill certain conditions – they must be fixed on a permanent foundation; they must be 400 sq-feet if they are single-wide and 700 sq-feet if double-wide, and they must be equipped with suitable cooking, sleeping, eating and sanitary facilities;
  • prefabricated homes that are built according to HUD regulations and are affixed to a foundation;
  • new construction if the site, the plan and the builder are all approved by the VA.


When it comes to the types property available, San Diego lenders will be able to give you detailed information about the properties available and they will also help you select the best home.


Choosing The Best VA Home Loans San Diego Lenders Offer


There are numerous different VA loan structures, so making a careful and informed choice is very important. Each borrower is a case apart, each borrower has his or her own view of the perfect home and the perfect loan, too. A 15-year program might be right for one borrower, while a 30-year loan would suit another. If you think you need help with choosing the right financial product out of all the possible choices in terms of VA home loans, San Diego lenders will put all their experience and expertise at your disposal and help you make the best decision.


There is one more thing you must know about VA loans: they are primarily used for purchasing a residence, but this is not the only purpose VA loans are available for. You can obtain a VA-backed loan to make energy-efficiency improvements in your existing home, to renovate your home or the home you want to buy and San Diego lenders can offer detailed information and expert assistance with these aspects, too.


San Diego VA Home Loans


When it comes to any aspect regarding VA home loans, San Diego lenders will give you all the information and help you need – turn to local lenders, and you will see that professionalism and helpfulness are at home in San Diego.


San Diego VA San Diego VA Home Loans San Diego VA Loan San Diego VA Mortgage va home loan san diego VA Home Loans VA Home Mortgage San Diego VA Loans San Diego

Aspects to Consider Before Applying for a VA Loan


VA loans have been considered a very attractive mortgage type ever since they were first introduced in 1944, but in terms of VA home loan rates, 2012 was an even more important year: that was when the new guidelines still applicable today have been introduced.


What Makes VA Home Loans So Popular


The real estate market has been a highly volatile and rapidly changing one for years now, but even so, a 100% financing option still makes real estate purchases easy and this is exactly what VA loans offer. When it comes to the regulations that determine the amounts available with these loans as well as the VA home loan rates, 2012 guidelines continue to define the sums available: in most counties across the country, the upper limit for VA loans is $417,000, with the exception of some areas defined as high-cost markets such as California, Hawaii, Utah, New York or New Jersey, where the loan limits are much higher.


San Diego Mortgage Lender | San Diego Mortgage Broker


VA Home Loan Rates – 2012 Changes and Their Influence Today


In terms of VA loan rates, 2012 guideline changes have not modified too much, the rates having been favorable before the new guidelines and staying favorable afterwards too.


In many ways, VA home loans work like any other mortgage. Any loan entails a certain risk for the lender, so the better the borrower’s credit score and the higher the repayment rate, the lower the loan rate. One of the major differences between a VA home loan and a conventional mortgage is that VA loans don’t require the borrower to make a downpayment or, to be more precise, VA loans don’t allow the borrower to make a downpayment, which also means that the amount of downpayment cannot influence the interest rates, it is only the credit score, the loan term and the interest type chosen that counts.


Another aspect that makes VA loans similar to other loan types is that different lenders offer different conditions. Some are willing to offer very low interest rates, but they approve applications only from borrowers with excellent credit scores. Others work with somewhat higher rates, but they provide loans to those who have lower scores as well.


Getting the General Picture – How to Get the Best Rates


To be able to make the best decision, it is always recommended to have mortgage quotes from several lenders prior to submitting your loan application. Make sure you formulate your request as specifically as possible and always compare the quotes issued for the same parameters. You cannot compare a quote for 25-year fixed rate loan from one lender to a 15-year variable interest loan from another lender.


The interest charged on VA loans is 3.47-3.5%, making these loans way more favorable than any other loan types. If you take into account the most important aspects such as the quotes you receive for VA loan rates, 2012 guidelines for loan limits, and all other details regarding the terms of the debt, you will be able to enjoy living in your dream home without having to stress over repayment deadlines, that’s for sure.


Military Mortgage Rates VA Home Loan Mortgage Rates VA Home Loan Rates VA Home Mortgage Rates VA Loan Rates VA Mortgage Rates VA Rates