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									18                                                                                                                                                                                                                                                                THE SUN SIGNATURE - AUGUST 2009
                                                                             drawback to synthetic grass; it is                                              from $10-$18 per sq. ft. This price                                          You have options with Greenway         water-saving irrigation system,
                              Landscape                                      expensive.                                                                      should include everything from:                                            Lawn Aeration. Synthetic grass is        to aeration, dethatch, or synthetic
                              Talk                                             You do have options.                                                          demo, site prep, capping irrigation                                        only one option.                         turf options.
                                                                                Synthetic grass comes in many                                                and installation. Your actual site                                           We can install real sod or repair        As the owner of Greenway Lawn
                                                                             quality levels, however, only the                                               accessibility and demo needs will                                          and enhance your existing lawn.          Aeration, a local landscape contrac-
                             Scott Lawn
                                                                             top of the line grasses look natural                                            determine your specific costs.                                                Also, with the new water sav-         tor with over 16 years in business
                                                                             and stay looking great over time.                                                 Greenway offers only the highest                                         ing MP rotator irrigation nozzles,       serving North County Inland, I can
Synthetic turf...                                                              So my recommendation is select
                                                                             the best.
                                                                                                                                                             quality, most natural looking syn-
                                                                                                                                                             thetic grass in the extra plush “NO
                                                                                                                                                                                                                                        repair and upgrade may be your
                                                                                                                                                                                                                                        best choice.
                                                                                                                                                                                                                                                                                 provide an on-site consultation (for
                                                                                                                                                                                                                                                                                 a small fee) to answer your ques-
is love rightlawns. you?
    it real sod for                                                            Synthetic grass comes in two very
                                                                             distinct varieties. Those that use
                                                                                                                                                             Infill” type product. Our prices
                                                                                                                                                             usually range from $10- $11 per
                                                                                                                                                                                                                                           Call us to schedule a personal
                                                                                                                                                                                                                                        consultation on your property to
                                                                                                                                                                                                                                                                                 tions and concerns, explain what to
                                                                                                                                                                                                                                                                                 do and how to do it.
    In fact, we install hundreds of                                          “infill” of sand and crumbled rubber                                            sq. ft. installed. Give me a call for                                      discuss how to reduce landscape             Let me know how we can help.
lawns and care for thousands each                                            (grounded up old tires) and those that                                          a consultation before you decide on                                        water cost from irrigation up-           Call our office at (858) 486-8277)
year.                                                                        use an extra plush, extra thick fiber.                                          synthetic grass.                                                           grades and conversions or a new          today!
   Synthetic grass is an option. But                                         Both processes keep the grass blades
synthetic grass is not for everyone.
It clearly has its place in some land-
scape designs. The pluses are:
                                                                             standing upright and looking natural
                                                                             but the drawback to the “infill” type
                                                                             is it is extremely messy.
                                                                                                                                                                THE PROPERTY SHOPPE
                                                                                                                                                                                                                                                What is real estate?
                                                                                                                                                                                                                                        ture and extends beyond surface          space enclosed within the walls of
   1. no watering                                                              The “infill” gets everywhere and                                                                                                                                                                  the unit. The structure, surface land
                                                                                                                                                                                                                                        boundaries. Real estate, or “real
   2. no cutting costs                                                       the rubber gets hot. My personal                                                                                                                           property,” extends beneath the soil      and air space outside the unit are
   3. little to no maintenance.                                              choice is the extra plush with NO                                                   Cheryl Berkson and Bob Davie                                           to the core of the earth as well as to   the property of the homeowner’s
    This lack of monthly expense,                                            “infill.”                                                                                                                                                  the air space above to infinity.         association. The point is that un-
                                                                                                                                                                So you’ve bought a property at a
over time, will help offset the                                                 The price range per square feet                                              great price in the current “opportu-                                          Also included are all permanent       derstanding what’s included in the
upfront cost, which is the primary                                           for good quality synthetic grass is                                             nity market.” You’re excited and                                           structures, fixtures, crops, timber,     “real property” you’ve purchased
                                                                                                                                                             with good reason. You have invested                                        fences, trees, easements, minerals and   is paramount.
                                                                                                                                                             in income property and are getting it                                      rights belonging to the property.          The staff of Chase Pacific Proper-
                                                                                                                                                             ready for the first “rental tenant.”                                           An interesting example of this       ty Management has been caring for
                                                                                                                                                               Now that you are an owner, have                                          is the rental of a boat slip. Such       investment properties in San Diego
                                                                                                                                                             you ever thought about what “real                                          a rental includes the water and the      since 1978. If you have follow up
                                                                                                                                                             estate” means. Most people think                                           land below the slip, thus making         questions about the management of
                                                                                                                                                             of real estate as land, a plot, a lot,                                     the rental of a boat slip fall under     your investment property, contact
                                                                                                                                                             a parcel, soil, “terra firma.” To                                          the control of California Landlord/      Cheryl or Bob at (858) 485-6550 or
             Standing up for traditional, conservative                                                                                                       most people’s surprise, it is actually                                     Tenant Law.                              e-mail to:
                                                                                                                                                             much more than that.                                                         In the case of a condominium unit,     or go online at: website at www.
               values in North County since 1995                                                                                                                 It is three-dimensional in na-                                         the real estate conveyed is the air

                                                                 TONY KRVARIC
                                                                 PRESIDENT & CEO                                                                             By Sheryl Landrum,
                                                                                                                                                                                                          Recovery can be a Catch 22    since October and raising hopes          proximate 1% origination fee, who
                                                                                                                                                             General Mortgage                                                           that the region’s slumping housing       doesn’t want to buy! With such
                                                                 16935 W. Bernardo Drive, Suite 208
                                                                                                                                                             Corporation Staff Writer                                                   market may finally be poised for a       positive news, is there anything we
                                                                 San Diego, CA 92127
                                                                                                                                                                Are we starting to see signs of                                         comeback.”                               should worry about?
                                                                 Phone | 858-451-9700
                                                                                                                                                             recovery for our slumping hous-                                               Welcome news to be sure. Fac-           Unfortunately, as economic news
                                                                 Fax | 858-451-9701                                                                          ing market? Let’s hope so! San                                             tors that are contributing to a rise     gets better and our country begins
                                                                 Web |                                                                Diego has seen huge losses in home                                         in home prices include: fewer fore-      to move out of the recession, home
                                                                                                                                                             values these past two and a half                                           closure properties for sale, the First   mortgage interest rates will inevi-
                                                                                                                                                             years and we are ready for some                                            Time Home Buyer Tax Credit and           tably rise. Investors will move out
                     HELPING CONSERVATIVES GROW,                                                                                                             positive news.                                                             low mortgage interest rates. Can         of the secure, but lower interest
                                                                                                                                                                                                                                        this trend continue?                     rate yield bond market and invest
                    PRESERVE AND DISTRIBUTE WEALTH                                                                                                            In The San Diego Union Tribune’s
                                                                                                                                                                                                                                          We all hope that we have seen the      more into the riskier, but higher
                                                                                                                                                             article “Median Home Price up in
                                                                                                                                                                                                                                        last of a wave of mortgage foreclo-      interest rate yield, stock market. To
                                                                                                                                                             June,” July 16, 2009, Emmet Pierce
                          Tony Krvaric is a Registered Representative and Investment Adviser
                                                                                                                                                                                                                                        sures. With foreclosure properties       attract investors, the bond market
                                                                                                                                                             reports that: “San Diego County’s
                                                                                                                                                                                                                                                                                 will need to raise the interest rate
                       Representative with/and offers securities and advisory services through
                                                                                                                                                                                                                                        waning and home inventory shrink-
                                 Commonwealth Financial Network,® Member FINRA/SIPC,
                                                                                                                                                             median home price rose for the
                              a Registered Investment Adviser. CA Insurance Lic. #0C30071.                                                                                                                                              ing, higher priced homes are begin-      offered to investors. This, in turn,
                                                                                                                                                             third consecutive month in June,                                                                                    will generate into higher mortgage
                                                                                                                                                                                                                                        ning to sell, and raising the median
                                                                                                                                                             hitting $314,250, the highest figure                                                                                interest rates.
                                                                                                                                                                                                                                        price of San Diego homes.
                                                                                                                                                                                                                                           Due to the government’s tax               When it comes to mortgage
                                                                                                                                                                                                                                        credit, home purchases, as well as       interest rates, as well as current
      Municipal Bonds                                                                                                                                                                                                                   permits to build, are in an upswing      mortgage laws and credits, timing
      A Market Opportunity                                                                                                                                                                                                              as people take advantage of the up       can be crucial. Staying informed
                                                                                                                                                                                                                                        to $8K in tax credits the govern-        with a reputable and knowledge-
             Recent volatility has created a potential opportunity in the municipal bond market. Tax Free municipal                                                                                                                     ment offered for those “first-time”      able lender can help you stay
           bond yields are close to, or in some instances more than, taxable Treasury securities. This phenomenon                                                                                                                       home buyers who purchase a home          ahead of the game when gathering
           has only occurred a few times during the past 10 years. While past performance is no guarantee of future                                                                                                                                                              information and making crucial
                                                                                                                                                                                                                                        before December, 2009.
           results, history has shown that this may be an opportune time to buy municipal bonds.
             To learn more about this opportunity please call me today for a complimentary copy of a report written                                                                                                                        Finally, with 30-year-fixed rate      decisions when it comes to your
           by our Municipal Bond Strategist, George Friedlander.                                                                                                                                                                        mortgages below 5%, for an ap-           home mortgage.

                                                                                        Liza C. Pille
                                                                                        Vice President - Wealth Management
  Municipal Bonds may not be suitable for all investors. This does not                                                                 MorganStanley
  constitute a solicitation to buy any particular municipal security.
  Please consult your Financial Advisor to determine bonds are suitable for you.
 Depending on your state of residency, some bonds may be excempt from state and local taxes; however, interest may be subject to the federal alternative minimum tax. Bonds are subject to interest rate risk. When
 interest rates rise bond price fall; generaly the longer a bond’s maturity, the more sensitive it is to this risk. Bonds may also be subject to call risk. which allows the insurer to retain the right to redeem the debt, fully or
 partially, before the scheduled maturity date. Proceeds from sales prior to maturity may be more or less than originally invested due to changes in market conditions or changes in the credit quality of the issuer.
 C 2007Citygroup Global Market Inc. Member SIPC. Smith Barney is a division and service mark of Citygroup Global Market Inc. and its affiliates and is used and registered throughout the world. Citi and Citi with Arc
 Design are trademarks and service marks of Citygroup Inc. and its affiliates, and are used and registered throughout the world. Working WealthSM is a service mark of Citygroup Global Markets Inc.

THE SUN SIGNATURE - AUGUST 2009                                                                                                                                                                                         19
                                                                                                                            with the fixed-rate option.                           emergency reserve or take cash out
                                                                                                  Home                         The only downside with a fixed-                    whenever needed. Life is indeed
                                                                                                  Loan                      rate Reverse Mortgage is that you                     good with a Reverse Mortgage!
                                                                                                                            are required to take all of the cash at                   Again, you can take up-front
                                                                                                  Corner                    closing. For example, let’s say that                  cash, income-for-life or the line of
                                                                                                                            you are 63 years of age and own a                     credit feature or any combination
                                                                                                   Bert Morrison            home valued at $675,000 with a                        of the three!
                                                                                                                            mortgage of $180,000. In this situa-                    To qualify for a Reverse Mortgage
                                                                                                                                                                                  you must be 62 years of age and
                                                                                   Reverse mortgage                         tion the fixed-rate Reverse Mortgage
                                                                                                                            will pay off your $180,000 mort-
                                                                                                                            gage AND provide you with about
                                                                                                                                                                                  have adequate equity. There are no
                                                                                                                                                                                  income requirements and virtually
                                                                                   options aretaking out Re-
                                                                                    More people are
                                                                                                                            $184,000 in cash at closing.
                                                                                                                                You will never have to make
                                                                                                                                                                                  no credit requirements. You can
                                                                                                                                                                                  live in your home and obtain tax-
                                                                                   verse Mortgages these days.              another mortgage payment for as                       free cash at any time.
                                                                                     With the recession, many people        long as you live in your home and                        If you are interested in finding
                                                                                   have seen their assets depleted and      there are no restrictions on the uses                 out more about a Reverse Mortgage
                                                                                   need another way to generate in-         of your funds.                                        you can call Bert Morrison, Owner
                                                                                   come. With a Reverse Mortgage it           With the Adjustable-Rate Reverse                    of Quality Funding Group at (858)
                                                                                   is possible to receive up-front cash,    Mortgage you do not have to take                      485-6100.
                                                                                   income for life or a line-of-credit      all of the cash at closing. In fact                      And we invite you to go online
                                                                                   that pays you interest, or some          you don’t have to take any cash at                    at: to listen
                                                                                   combination of these features.           all. Your existing mortgage is first                  to our Reverse Mortgage podcast.
                                                                                     There are two basic types of Re-       paid off so that you never need to                    We are celebrating our 21st year
BUILDING FOR THE GOOD- Jay Riordan, founder of Dream Design                        verse Mortgages: fixed and adjust-       make another mortgage payment                         of business and we value your
Builders in Rancho Bernardo, believes that there is more than                      able. The fixed rate option is new       for as long as you live in your                       business.
one reason for building something. Riordan is a member of the                      and has several distinct advantages.     home. Then you can “park” your                          Quality Funding Group is located
RB Sunrise Rotary Club. Riordan chairs the program to build a
                                                                                   With the fixed-rate option you have      money in an internal line of credit                   within the Rancho Bernardo Plaza
house in a day in Corazón, Mexico. Riordan, on the left, is seen                                                                                                                  Shopping Center at 16787 Ber-
with his volunteer helpers on last year’s project building a home                  long-term certainty of the interest      that pays you interest.
for a deserving family in Tijuana: Patrick Riordan, Jake VanHeel,                  rate. Also, you generate more cash           You can use this fund as an                       nardo Center Drive, #10.
Christopher Riordan, Brenda Riordan, Megan Campitiello and
Cole Campitiello.

Jay Riordan chairs RB Sunrise
Rotary “Build a House in a Day”            painting and pounding nails. How-
    On Nov. 14, 2009 Dream Design
Builders founder, Jay Riordan, is          ever, there are always a few people
hoping not to experience déjà vu in        on each team with basic carpentry or
Tijuana, when he and his team of           construction skills.
RB Sunrise Rotary volunteers once             “After the loss of my home, for a
again travel to Mexico to participate      brief time I experienced what it was
in this year’s “Build a House in a Day”    like to not have a safe place to keep
Corazón project.                           what’s dear to me,” states Jay. “I
  It was just two years earlier on Oct.    look forward to joining my fellow
22, 2007 that the Riordan family lost      Rotarians, friends and colleagues in
their home during the devastating          rolling up our sleeves, getting dirty
San Diego wildfires. Ironically, Jay       and making a tangible difference in
had been in Tijuana with Sunrise           another family’s life.
Rotary volunteers on a Corazón                “When we arrive at the site, there
home construction project just two         will only be a slab of cement. When
days before the fires consumed his         we leave 10 hours later, we will turn                                                                          BENEFITS OF AERATION
home.                                      over the keys of a brand new home
   When the opportunity to chair the       to a deserving family.”                                                                           SAVES WATER                                              SAVES MONEY

cross-border event this year presented         The Rotary Club of Rancho                                                                          • Reduces your water bill by reducing costly runoff
itself, Jay volunteered. Corazón has       Bernardo Sunrise (San Diego) is                                                                        • Helps repair and reduce brown spots
                                                                                                                                                  • Stimulates root growth for a thick green lawn
been building and repairing homes          involved with several philanthropic
in Mexico through “Build a House           ventures each year. This year’s                                                                                 PAY FOR ITSELF IN WATER SAVINGS
in a Day” projects since its begin-        “Build a House in a Day” Rotary
ning in 1978.
  Each project has an experienced lead
                                           project has raised $4,000 towards
                                           their goal of the $8,000 needed. If
                                                                                                                                                    $   40                                       $   65
  When it come to Real Estate...
                                                                                                                                            FRONT ONLY AERATION                      FRONT AND BACK AERATION
builder in charge of the construction as   you would like to help and want to                                                             Lawns larger than 1,000 sq.ft.              Lawns larger than 2,000 sq.ft.
well as a project safety manager and       donate to this worthy cause, contact                                                           $20 per each additional 1,000 sq. ft.       $20 per each additional 1,000 sq. ft.
trip coordinator responsible for liaison   Jay Riordan of Dream Design Build-                                                            The sod and seed experts say for
                                                                                                                                                                               EVERY      When was the last time you
with the sponsoring group prior to the     ers at (858) 674-9818 or visit: www.                                        #1                the healthiest lawn you should...   6 MONTHS        had your lawn aerated?
project.                                                                         BEST PRICE                We also fertilize at the time of aeration, It’s the best time for fertilize.
  Volunteers do not need construction         For more information on Sunrise        Call today                   BEST SERVICE                Front $8 (up to 1,000 sq.ft.) • Front & Back $16 ( up to 2,000 sq.ft.)
experience, just the basic skills of       Rotary, visit:
                                                                                          858-486-8277                                                           SERVICES OFFERED
                                                                                                                                          • Aeration                          • Weed preventative

 When it comes to Real Estate...
                                                                                          Scott Lawn, Owner                               • Annual fertilization service      • Dethatching
                                                                                                                  • Sprinkler repair and installation • Overseeding
                                                                                    Let GREENWAY do it                 CA Lic. #856402    • Sod and landscape makeovers       • On-site consultations

             www.                                                                      Reverse Mortgages
                                                                                             Improve Your Quality of Life!
           Call now: (858)967-8801
  Only an EXPERT will do!                                                                                                  • Eliminate mortgage payments
                                                                                                                           • Income monthly or when needed
 Service • Integrity • Experience • RESULTS!
               Office 858-676-6165                Shirley                                                                  • Use funds for any purpose
                                                                                                                           • All income is tax-free!
                                                                                                                                 Call Bert Morrison Today!
                                                                                                                                   Your local, experienced Reverse Mortgage Counselor
                                                                                       Bert Morrison
                                                                                        Real Estate Broker
                          A Diamond in the Rough!                                     CA Dept. of Real Estate              Listen to our podcast at:
  Room for horses at this 1.66 acre property with 3 bedroom and 2                      License #01026933           
  bath with 1895 sq.ft. Needs TLC, but is private and has a gated
  pool/patio area...Living room with fireplace and lower level family                 16787 Bernardo Center Drive, Suite 10
  room... Great potential here at this South Poway location...                                San Diego, CA 92128
  Sold “AS IS” by the Trustee...........$499,500 - 535,000 VR
20                                                                                                                                                            THE SUN SIGNATURE - AUGUST 2009
                                                                                                                                    the federal government is giving first     We need to be cautious, however,
                                                                                                            Real Talk
 Best Buys/in Real Estate                                                                                   About Real Estate
                                                                                                                                    time homebuyers who qualify a tax
                                                                                                                                    incentive who purchase and close
                                                                                                                                                                             and understand that it is a great time
                                                                                                                                                                             to buy if you plan to hold on to the
                                                                                                                                    escrow in 2009.                          home for a while. It is also a good
                                                                                                           Marilyn Hanes               Finally, the front pages of major     time to invest if the rental amount
                                                                                                              Coldwell Banker
                                                                                                            Residential Brokerage
                                                                                                                                    newspapers are agreeing, “Index          exceeds the amount of the mortgage.
                                                                                                                                    finds price gains for homes in           We may still have a slight correction

                                   NANCY CANFIELD                                          Good vibrations!
                                                                                              Continued positive news on the
                                                                                                                                    county,” “Hopeful Signs of Recov-
                                                                                                                                    ery,” “Investors lift Dow to best July
                                                                                                                                                                             in the market as many foreclosures
                                                                                                                                                                             are not yet on the market. How-
                                                   Realtor #628323                                                                  since ‘89”.                              ever, there is some pent up demand
                                                                                           outlook of the housing market is             We have noticed an increase in       for buyers and families who have
                                          619.871.9333                                     creating a vibe that housing may         real estate sales and prices for the     been renting and waiting for this
                                       Windermere Exclusive Properties                     have hit bottom! Following along         past several months. Plans have          stability.
                                        16890 Bernardo Center Drive                        with this trend seems to be some         been made for construction on San           Foreclosures and short sales are
                                            San Diego, CA 92128                            positive news on the stock market        Diego military bases which will act      being priced so that they receive
 Email: •                                           and unemployment rate.                   as a stimulus for our economy as it      multiple offers and this has been
                                                                                            Interest rates are still very low and   always has. These are just a few         happening throughout the year. We
                                                                                                                                    signs of recovery.                       feel this trend is going to last and

     Toni Church
                                                                                Century 21 Award                                      We deserve some good news, don’t       begin a new cycle.
                                                                             9934 Mercy Rd. # 200                                   we? I have been helping many local           Marilyn Hanes is one of San
                                                                             San Diego, CA 92129              AWARD

                                                                                                                                    homeowners in their need to sell         Diego’s top realtors with a passion
 Experienced ...                                                                                                                    their homes and their equity is gone.    for excellence and a strong work
       17 years in San Diego Real Estate                 “Not a Short Sale or REO”                                                  It has been heart breaking for them      ethic which has produced many sat-
 Knowledgable ...
     17 years serving North County Inland                                                                                           to need to short sale, however, there    isfied clients throughout San Diego
 Professional ...                                                                                                                   is hope on the horizon and short sell-   County and worldwide.
     Centurion Producer Award Winner                                                                                                ing a home is better than foreclosing,      You can contact Marilyn at (619)
     1998, 1999, 2000, 2001, 2002, 2003,                                                                                            according to accountants and lend-       540-6750 or you can visit Marilyn’s
     2004, 2005, 2006, 2007 and 2008
                                                                                                                                    ers. Please, should you need help        website at: or e-
                                                                                                                                    with this, give me a call.               mail her at:
                            “ Helping
                                                                                                                                                   Why Windermere?
                                                     Popular North Poway Neighborhood        Gorgeous Sabre Springs Home
                              make                  4 Bedrooms/2 Baths single family       4 Bedrooms and Bonus room/3
                               their                home on Mira corner
                                                    Cortina - large Mesa lot. Large fam-   Baths, 2841 estimated square feet.
                               next                                                                                                   Winder-who?
                                                    ily room/kitchen area is great for     Highly upgraded. Granite, traver-
                              move..                                                       tine, marble kitchen . Maple               Windermere, the newest real estate
                                                    entertaining. Dual paned vinyl
                                                                                           Cabinets. Creekside Elementary           office in town has attracted Nancy
                            Smoothly”               windows, plantation shutters. Large
                                                                                                                                    Canfield with its progressive pro-
                                                    master and master bath.                School. Dual Zone. A/C. Views.
      Toni Church                                   No HOA or Mello Roos. Call Toni        Copper plumbing. Call Toni               grams, charismatic leadership and
                                                    Church, Century 21 Award,              Church, Century 21 Award,                highly-charged environment. It is
     (858)     354-5820                             858-354-5820. . . . $636,600           858-354-5820. . . . . $775,000           one of the largest real estate firms
Email:      CA Lic #01119025                                                                                    in the country.
                                                                                                                                       “From the moment you walk in
                                                                                                                                    the front door and hear the floor to
                                                                                                                                    ceiling waterfall, there is great chi
                                                                                                                                    or energy,” Canfield said.
                                                                                                                                      “I have always worked for an excel-
                                                                                                                                    lent company, but I needed to recharge
                                                                                                                                    myself, my career and learn how to               Nancy Canfield
                                                                                                                                    better navigate these difficult waters   Facebook, Twitter and the like, says
                                                                                                                                    in real estate today.                    Canfiel. “But I’ve learned what they
                                                                                                                                       “Many of the agents we sit op-        are and a bit about how they can
                                                                                                                                    posite in a transaction have only        supplement good agents. I’ve always
                                                                                                                                    recently gotten their licenses, or, if   favored the personal touch, visiting
                                                                                                                                    experienced, are forced to work in       clients, assisting in all of their mov-
                                                                                                                                    a foreign atmosphere of short sales,     ing needs, estate sales, finding a new
                                                                                                                                    auctions and foreclosures. It takes      home, moving into a retirement com-
                                                                                                                                    time and lots of work to become          munity, and I always will.
                                                                                                                                    adept at the complications of real         “I liken my service to handknitting
                                                                                                                                    estate transactions. Gone are the        an Irish sweater versus one made
                                                                                                                                    days where you can plunk a For           on a machine. I guess, to complete
                                                                                                                                    Sale By Owner sign in front of your      the analogy, now I’m willing to
                                                                                                                                    house, and wing it. Inevitably, with     use commercial buttons instead of
                                                                                                                                    rare exception, the seller will leave    handmaking them, too. Does that
                                                                                                                                    thousands of dollars on the table.       make sense?”
                                                                                                                                       “Truthfully, I have resisted a lot        Canfield was asked if she could
                                                                                                                                    of the new tools available on the        provide any feedback from recent
                                                                                                                                    internet, like Social Networking:        clients. The following came from
                                                                                                                                                                             the Chandlers of Escondido.
                                                                                                                                                                                “We have known Nancy Canfield
                                                                                                                                                                             for quite some time now and feel she
                                                                                                                                                                             is more like family than our realtor.
                                                                                                                                                                             We have moved several times in the
                                                                                                                                                                             past five years and Nancy has been
                                                                                                                                                                             a God-send in helping us through
                                                                                                                                                                             the trials and tribulations in trying to
                                                                                                                                                                             navigate everything from financing
                                                                                                                                                                             to finding the perfect home for us.
                                                                                                                                                                               “She is extremely knowledgeable
                                                                                                                                                                             in every aspect of the process and
                                                                                                                                                                             does a lot of extra work getting to
                                                                                                                                                                             know all the areas, schools, busi-
                                                                                                                                                                             nesses and everything else you don’t
                                                                                                                                                                             typically think about for the loca-
                                                                                                                                                                             tions we were looking at, making the
                                                                                                                                                                             decision process that much easier.
                                                                                                                                                                                “She continues to amaze us with
                                                                                                                                                                             her knowledge, her compassion and
                                                                                                                                                                             ability to act as the level-headed
                                                                                                                                                                             buffer between parties, often making
                                                                                                                                                                             personal sacrifices to ensure that we,
                                                                                                                                                                             her clients get what we want and the
                                                                                                                                                                             deal gets done.
                                                                                                                                                                                 “We love Nancy Canfield and
                                                                                                                                                                             strongly recommend her to all of our
                                                                                                                                                                             friends and family.”
                                                                                                                                                                                 You can still reach Canfield at
                                                                                                                                                                             (619) 871-9333 or visit her website
                                                                                                                                                                             at: www.nancycanfield.mywinder-

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