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Oct. 20, 2016

Thinking about buying Solar for your House?

If you are thinking about buying solar for your home or purchasing a house with solar already installed you need to read the following.

Cash buyer

The cash buyer wants to own the system. They are investing to hedge against future utility price increases. The system will paying itself off it 5-7 years.

Buying solar panels with a cash purchase is the most straight forward path to going solar. Plus, the total costs of solar panels and installation can be reduced by as much as 30% through the federal TAX CREDIT. The U.S. federal government offers homeowners a big tax deduction with the 30% Investment Tax Credit (ITC).

4.   A Home Equity Loan

A home equity loan makes sense if you have home equity available. This type of solar loan allows Home owner to take advantage of tax-deductible mortgage interest.

Financing solar panels with a home equity loan may make sense if customer:

•        Loans allow you to take advantage of tax incentives such as the 30% Federal Investment     Tax Credit (ITC) to help reduce solar costs.

•        Need to spread out costs to own your solar panels

•        Want all of the benefits of ownership, including tax benefits

•        Want to own the system free and clear at the end of the loan's term

•        Increases the value of the property.

Types of funding available to customers currently offered by Sullivan Solar Power

1.  Energy Loan Network

Credit Worthiness:  A score of 720 or more almost always qualifies homeowners for finance products offered by ELN. 

Offers a combo loan. 30% of the system is a 18 month same as cash loan that needs to be paid back. The other 70% is financed at 2.99% for 12 years.  

2.   San Diego Metropolitan Credit Union (SDMCU)

  • Credit Worthiness:  A score of 650 or more almost always qualifies homeowners for finance products offered by SDMCU.OC territories if the customer joins the Zoological society.
  • Unsecured Loan
  • Homeowner or Borrower Eligibility:
  • Owners of residential, single family homes (1-4 units) located in San Diego County
  • Twelve months at current job
  • Must be eligible for membership with SDMCU
  • Credit score greater than 650
  • Meet SDMCU underwriting criteria
  • The application can be submitted by the contractor or SDMCU using their internet site, call center or in a branch office.
  • The borrowers will be contacted with the decision.
  • The Contractor will submit a copy of the signed invoice/contract to the Credit Union upon approval
  • Checklist for SDMCU funding
  • Multiple Loan options 2.99% - 6.99%

3. Prepaid Lease

A prepaid lease is a one-time payment that eliminates your electric bill for the next 20 years. You do not own the system but it is similar to ownership. The out of pocket expense is the 70% cost of the system. The 30% tax credit is owned by the leasing company and is deducted from the out of pocket cost. You are essentially buying power upfront for the next 29 years at a discounted rate. The system is warrantied insured and protected for the next 20 years.

4.  Home Energy Renovation Opportunity  (HERO)

  • HERO is the #1 energy efficiency financing program in the United States. HERO partners with local governments to make energy efficient, water efficient, and renewable energy products more affordable for homeowners.
  • HERO is unique in that it provides financing for approved energy efficient, water efficient, and renewable energy products. HERO finances 100% of the cost to purchase and install eligible products. HERO offers low-fixed interest rates, flexible payment terms including 5/10/15/20 years for most products, and repayments are made through your property taxes. Additionally, if the property is sold before the HERO Financing is paid in full, the remaining payments can be passed on to a new property owner.
  • No Credit Requirements
  • There are no fees to apply for HERO Financing.
  • The interest rate for HERO Financing varies depending upon the term. Terms can range from 5 - 20 years and will affect your rate. HERO interest payments may be tax deductible, which can lower the effective interest rate.
  • Just like a mortgage, interest paid on the principal balance is tax deductible. A property owner's initial payments will be comprised of more interest and less principle. Over time, payments will be comprised of more principle and less interest. Therefore, the amount that is tax deductible will vary over the term of the financing, just like it would be with a mortgage.
  • Homeowners who meet the minimum criteria below are eligible for HERO Financing. Specific eligibility requirements for residential properties include the following:
  • All mortgage-related debt must not exceed 90% of the value of the property.
  • Mortgage payments must be current at the time of application, and property owner(s) must not have had more than (1) 30-day mortgage late payment over the past twelve months.
  • Property taxes for the prior twelve-month period must have been paid on time and no more than one late payment within the past three years.
  • No outstanding involuntary liens, such as tax liens or mechanic's liens.
  • The property owner(s) must not have filed for bankruptcy in the past two years.
  • If the homeowner has had a bankruptcy record between two and seven years old they will not qualify,  the property owner(s) must not have had any additional late payments more than (60) days past due in the last (24) months.
  • Mobile homes must be permanently attached to the property and the owner of the underlying property must be the applicant and be subject to real property taxes.

5. SunPower Lease

If a customer prefers a low monthly fee for access to solar energy, then a solar lease may be the way to go. A lease requires no down-payment $0 out of pocket and offers affordable monthly payments less than what they are currently paying for electricity. It is a fixed payment for 20 years so it is easy to budget around. Solar leases also include a performance guarantee and regular maintenance for the entire 20 years.  The system is insure protected and warrantied for the full 20 years by the leasing company.

The lease is transferable and can the new owner can take over the monthly payments in the sale of the home.

       •  Offering Low Payments and a Performance Guarantee       •  Have a good credit score 680 required

  • U.S. based (Silicon Valley) publicly traded with U.S. and worldwide manufacturing facilities
  • Over $2.5 billion annual revenue
  • Over 5,500 employees
  • 7+ million panels installed worldwide
  • Over 100,000 residential installation 60,000+ in US
  • SunPower Leases offer:*
  • Low or No down-payment
  • Production guaranteed, or SunPower will pay or credit you Flexible options at end of lease term—renew your lease or SunPower will remove it at no cost
  • SunPower Loan Programs:
  • A score of 700 or more almost always qualifies homeowners for finance products offered by Sun Power Lease.
  • Checklist for SunPower funding

6. PPA

Purchase Power agreement. This is similar to a lease but you pay a certain cost per kilowatt hour for the power produced by the syste, This # is set prior to signing a contract. From time to time we see that the rate at which you pay for the power you produce actually escalates at 2.9% for the 15-20 year term. You wind up owing the utility company money if their system is not designed to offset the whole bill. You will also wind up paying the monthly kilowatt hour charge to the leasing company. We would not recommend this solution.

Please contact me with any questions you may have.

Oct. 9, 2015

My Rancho Del Rey Clients Sell and Purchase another Home!

Rancho Del Rey Homes Sold by Dale F. Downing

In the Summer of 2015 I helped my 6th client of the year sell their home and buy another without having to move to a temporary home (they went from one house to another).  I was able to get them $20,000 over market value and buy a home $18,000 below market value - making them a total of $38,000.  So if you are thinking about selling and buying a larger home, or downsizing, please contact me immediately and I will explain the seamless process I have created.

Check out the homes below.

Another Listing by Dale F. Downing.  SOLD for $450,000! 

Great home in a great location. This 4 bedroom 2.5 baths has over 1,500 sq. ft. and is located in the heart of Rancho Del Rey.  Close to shops, schools, parks, restaurants and the freeway. This house has so much to offer. The floor plan is excellent with a room downstairs.  Walking distance to Discovery Park.  Backyard has a mature Avocado tree. The driveway has been extended for additional space.

Rancho Del Rey homes for sale

Home purchased by my Rancho Del Rey Clients for only $632,000

Beautiful home in Rancho Del Rey (a subdivision of Chula Vista). Cul-de-sac location, pool and spa.  Newly Painted and Carpeted. Clean and ready to move-in. Situated on a canyon rim with views to the northeast and a glimmer to Point Loma and downtown. Great location for a family, schools are nearby and its freeway close.  Market value is $650,000.

Rancho Del Rey house for sale


Posted in Rancho Del Rey
June 9, 2015

La Jolla Condo for sale

La Jolla Condo for Sale

La Jolla condo for sale

Another La Jolla condo sold ($280,000) by Dale F. Downing. 

Great 1 bedroom 1 bath condo (La Jolla Racquet Club) located within walking distance to the La Jolla Beaches. Huge open floor plan which is great for entertaining or just relaxing while enjoying the cool La Jolla air. This outstanding complex has a pool, spa and tennis courts for all to enjoy. Close to the La Jolla shops, restaurants and all the beaches. Only a short drive away from UCSD.

With a dramatic coastline boasting spectacular views, it's no surprise that La Jolla is one of the most popular beach destinations in San Diego. Surrounded on three sides by the sea and backed by the steep slopes of Mt. Soledad, La Jolla's coastal profile and quaint village lifestyle evokes a Mediterranean feel.

La Jolla offers a wide range of accommodations and activities, from upscale and luxurious hotels, to casual fine dining, museums and art galleries, one-of-a-kind boutiques a slew of outdoor activities. Home to the famous Torrey Pines Golf Course and the Lodge at Torrey Pines, the area also offers well-groomed hiking trails with spectacular views. Along the dramatic coastline lies Scripps Park, where families can picnic throughout the summer while enjoying Fourth of July fireworks and concerts under the stars.  There are plenty of cultural attractions to visit in La Jolla, with the Birch Aquarium at Scripps, La Jolla Playhouse and the Museum of Contemporary Art all situated in close proximity to the Village.

La Jolla's biggest draw for locals and tourists are the beaches. During the summer the surf is relatively gentle and the water is warm.  Swimmers, snorkelers, scuba divers and surfers can enjoy the local beaches at La Jolla Shores, the Cove and Windansea.

Posted in La Jolla
May 20, 2015

Another Spring Valley Home Sells for Over Asking Price

Another Spring Valley Home Sells for Over Asking Price

Spring Valley Home for sale

List Price was $373,000, sold for $390,000 in 4 days and still appraised!

If you are interested in selling your home for over asking price in short amount of time, please contact me asap and I will share my proven secret with you!

Houses are selling all over San Diego County and fast!

Great home located in the heart of Spring Valley.  This 3 bedroom 2 bath has a large backyard and great view (Otay Reservoir) and is located close to the freeways, shopping, restaurants and schools.  Owners have taken great care of this home.   Room addition is extremely well done.  Extended out the family room and kitchen area, which is great for entertaining or just laying around and enjoying the extra sq. ft.  Tons of upgrades, they include..... A/C (Trane brand), newer kitchen and family room, extra large pantry, kitchen nook, granite counters, kitchen island, ceiling fan, chandelier, hardwood floors, both bathrooms completely remodeled, stamped concrete sidewalk and driveway, and dual pane windows throughout.  House has outstanding views of the reservoir and mountains.

Posted in Spring Valley
May 14, 2015

El Cajon Homes are in Popular Demand

El Cajon Homes are in Popular Demand

El Cajon Home

I recently (2105) helped one of my clients sell their home El Cajon. What amazed me was the amount of interest and offers we received on this particular Short Sale.  One of the great aspects of El Cajon is range of home prices.  Prices can range from $100,000 to several million depending on the location and condition.

So if you are looking for a home in a particular area and there isn't enough inventory or you are not finding what you want to fit your budget, try El Cajon.

Posted in El Cajon
May 12, 2015

Helping Buyers Find the Perfect Home in La Mesa, Mt. Helix

Mt. Helix house

Helping Buyers Find the Perfect Home in La Mesa, Mt. Helix

Over the last 6 months I have helped several families purchase a home in the Mt. Helix area.  The latest home was located on Fuerte Drive.  This charming Mt. Helix classic has fantastic views of El Cajon Valley lights and mountains.  The house has a new roof, Anderson windows, new electric panels, and new A/C.  Beautiful hardwood floors throughout.  You can sit on the front porch or deck over garage and enjoy your fantastic view for miles.

Homes in the Mt. Helix area range in price from $500,000 to $4,000,000 and this area is one of the most popular places to live in all of San Diego County.

Please contact me immediately to find your next dream home!

Posted in Mt. Helix
May 12, 2015

Helping Chula Vista Buyers Purchase Dream Homes

Helping Chula Vista Buyers Purchase Dream Homes

Echo home

One of the best aspects of being a Realtor is helping a family purchase their Dream House!  Nothing makes me feel better than at the end of the escrow period handing the keys to my clients new house.  This is why I became a Realtor, helping my clients purchase homes at a discount ($75,000 below market value).

The home that I helped them buy was in Atrium at Eastlake Vistas (located in the eastern part of Chula Vista) and had 5 bedrooms with 4 1/2 baths, 3,886 sq. ft.  The interior included a 3 car garage, master bedroom suite, large kitchen with an over sized pantry, granite counter tops, high ceilings, and 5 fireplaces Incl.   1" in" covered front patio located on a corner lot.  HOA includes the use of the Woods clubhouse which has a 10,000  sq.ft. pool, spa, fitness room, kitchen, & outdoor gathering areas.

Posted in Chula Vista, CA
May 7, 2015

Eastlake Trails Homes are in High Demand

Eastlake Trails Homes are in High Demand!

Eastlake Trails Home

When I was hired to sell this home my clients asked me if it would be possible to set the new high for this neighborhood and I let them know that is my goal for each and every home I sell.  Our goal was a minimum sales price of $585,000 - I got my clients $600,000!!  This was the 7th home I sold this year (2015) that set the new high for the neighborhood.  It had 5 bedrooms 3 baths (2952 sq. ft.) and was located in the heart of Eastlake Trails. The bedrooms were large, each with walk-in closets and the kitchen was huge with an over sized pantry, granite counter tops and custom cabinets.  The Family and Living Rooms were wide open with a tremendous amount of space for living or entertaining. The backyard/front yard were professionally designed. The garage had custom cabinets on all sides - great for storage. Over $75,000 in upgrades!

It helps a great deal when the house is located in Eastlake Trails and in my opinion is one of the best places to purchase a home in San Diego County.  Located about 7 miles east of the 805 freeway and just south of Bonita it has everything to offer a potential buyer.  Homes are relatively affordable for San Diego county with, great schools, parks, trails, outstanding shopping centers, restaurants, and most importantly it has a small town feel.

Posted in Eastlake Trails
May 6, 2015

Rolling Hills Ranch Home Sold

Beautiful Rolling Hills Ranch Homes Sold by Dale Downing!

Rolling Hills Ranch Home





Sold for $722,000.  Located in a Cul-de-sac, this 4 bedroom (optional bedroom downstairs as well) 3.5 bath house has over 3700 sq. ft. (gated community) on a large lot with lots of room on both sides of the house with no neighbors in the back.  Backyard has been professionally landscaped and designed.  Has a private bedroom with it's own bathroom downstairs. Close to freeways and shopping for your convenience.

Rolling Hills Ranch Home Corte


Sold for $665,000.  Best priced house in San Miguel Ranch. Owner has purchased another home and is very MOTIVATED. One of the best floor plans around. Located on a cul-de-sac. This beautiful home offers fantastic views and is surrounded by protected open space. No rear neighbors!

Rolling Hills Ranch Home Dovecrest


Sold for $740,000.  Located on a Cul-de-sac in the heart of Rolling Hills Ranch. This 4 bedroom 3.5 bath 3734 sq. ft. home has large upstairs and downstairs family rooms, bedroom and office downstairs. The bedroom downstairs has a full bath for a family member or guest. Has tons of upgrades (see supplement). This house is move-in ready - super clean with a perfect floor plan. Gated Community with two huge parks within walking distance. Traditional Sale with no Mello Roos!

When you talk about one of the best communities to raise your family, you can't help but mention Rolling Hills Ranch.  NO MELLO ROOS, NO HOA - these highly sought after homes look and feel like custom homes on large sprawling lots. There are so many reasons why these homes are in high demand, but the main reasons are location, value, and the fact they have a bedroom and private bathroom located on the main level which is great for guests or family members.

So if you are looking for the perfect home in Chula Vista, try looking in Rolling Hills Ranch!

June 2, 2014

Market update for Mission Hills in San Diego, CA

Mission Hills Houses

Mission Hills (92103) is full of some of the most beautiful homes in all of San Diego county.  Mission Hills homes consist of old stately homes, quaint craftsman bungalows, and large mansions - all immaculately manicured on quiet streets give Mission Hills its appeal and attraction.

So, how popular are they? 

From January 1, 2015 through December 2016 there were 144 homes sold.  The average sales price was $1,200,000.  It had 3 bedrooms with 2 baths with just over 2,300 sq.ft.

Mission Hills has its own business district.  Most of the local businesses are located along West Washington Street from Hillcrest to the east.  The business hub of Mission Hills is along Goldfinch Street between Fort Stockton and W. Washington.  Restaurants, shops, pubs and services give residents everything they need.

The historic homes of Mission Hills are some of the finest in California.   Most of the Mission Hills houses were built between 1910 and 1940.  The neighborhood showcases outstanding examples of Bungalows, Craftsman, Mission and Spanish styled homes.  Residents take pride in the variety of housing styles in the neighborhood and host historic home tours each year.  There are several recognized historic districts within Mission Hills, and many houses enjoy the tax advantages of official Historic Designation.  There are a number of houses located on lush canyons and there are an abundance of city, bay, and ocean views.

Mission Hills is home to several different school options, from public and charter to private and parochial.

Florence Elementary School  (K – 5th grade)

3914 First Avenue
San Diego, CA 92103
(619) 293-4440


Francis W. Parker School

Founded in 1912, Francis Parker School is San Diego's oldest and largest independent, non-denominational, co-educational day school. The Lower School campus is located in Mission Hills and serves students from Junior Kindergarten through the 5th grade.

4201 Randolph St
San Diego, CA 92103
(619) 298-9110


Grant K-8 School

Operated by the San Diego Unified School District, Grant serves both elementary and middle school students from Kindergarten through the 8th grade.

1425 Washington Pl

San Diego, CA 92103
(619) 293-4420


Mission Hills Community Preschool 

Operated by the Mission Hills United Church of Christ, the Mission Hills Community Preschool was established as a service to the parents and children of the community.

1211 West Lewis St

San Diego, CA 92103
(619) 291-2112


Old Town Academy

2120 San Diego Ave, San Diego, CA 92110

(619) 574-6225

Posted in Mission Hills