Normal Heights Feb 2024 by Local Umbrella Media

A N I N T R O D U C T I O N T O O U R P R E F E R R E D PA R T N E R S I N S I D E !

SAN DIEGO

RESIDENT NORMAL HEIGHTS

Shipping Containers to House Homeless People in San Diego STORY ON PAGE 9

selbysellssd.com FEB/MAR • 2024 LOCAL UMBRELLA PUBLISHING

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MEET OUR TEAM

JOANIE SELBY DRE# 01345683

Introducing Joanie Selby, your trusted real estate agent operating in the vibrant city of San Diego. With a passion for helping clients achieve their real estate goals, Joanie brings a unique perspective and unwavering professionalism to the industry. Joanie’s real estate journey began as a buyer’s agent for one of San Diego’s top producers, where she gained invaluable experience and a buyer’s perspective that sets her apart. This background allows her to understand the needs and desires of buyers, providing valuable insights to sellers when preparing their homes for the market and ensuring optimal results. In addition to her role as a

JOHN SELBY DRE# 01772626

Introducing John, an Engineer turned Real Estate Agent with a passion for helping clients navigate the ever-changing world of real estate. With over a decade of experience and a close partnership with his mother, John has honed his problem-solving, customer service, and communication skills to provide exceptional service to his clients. John’s journey into the real estate industry began over 10 years ago when he joined forces with his mother, creating a dynamic duo that still thrives today. Their shared expertise and commitment to their clients have allowed them to build lasting relationships and successfully guide buyers and sellers through the complexities of the market. What sets John apart is his unique background as an Engineer. This educational foundation has equipped him with a deep understanding of numbers and the ability to adapt to the ever-changing real estate environment. By staying at the forefront of industry trends, John can provide his clients with the most up-to-date advice, ensuring they make informed decisions about their real estate transactions. For sellers, John’s insider knowledge into what buyers are looking for in today’s market is invaluable. He knows how to prepare homes to “wow” potential buyers and maximize their chances of a successful sale.

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buyer’s agent, Joanie has over 20 years of personal experience in real estate investment. Alongside her partner, she has successfully owned and managed numerous properties, ranging from single-family residences to multi-unit buildings. This extensive knowledge of the investment side of the business gives Joanie a comprehensive understanding of the local market, enabling her to guide clients towards the most lucrative opportunities. Beyond her professional achievements, Joanie is deeply committed to her clients and their families. She understands the significance of finding a home that suits their unique needs and aspirations. When not assisting clients, Joanie enjoys spending quality time with loved ones and exploring the diverse offerings of San Diego. With Joanie by your side, you can be confident that your real estate journey will be handled with the utmost professionalism and care. Her dedication to serving the community and her commitment to delivering exceptional results shine through in every transaction. Whether you’re a first-time buyer, a seasoned investor, or a seller looking to maximize your property’s potential, Joanie is the real estate agent you can trust to exceed your expectations and make your dreams a reality in the beautiful city of San Diego.

On the other hand, buyers benefit from John’s direct experience with sellers’ reactions during the sale process. This gives him a unique negotiating edge and allows him to craft offers that give his clients the best possible chances of securing their dream home. Beyond his professional life, John values the importance of family. He cherishes his close relationship with his mother and appreciates the opportunity to work together. In his free time, he enjoys spending quality time with his loved ones, creating lasting memories. These personal connections fuel his dedication to helping his clients through the life changes and evolutions they go through. John’s ultimate goal is to make the difficult decisions in his clients’ lives easier and set them up for long-term success. He understands that real estate is not just about buying or selling a property; it’s about guiding individuals and families through significant milestones. With his professional expertise, local knowledge, and commitment to exceptional service, John is dedicated to serving the real estate needs of the community and making a positive impact on the lives of his clients.

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SELBYSELLSSD.COM | February/March 2024

CASSANDRA ALTMANN REALTOR® DRE# 01911469

Her commitment to our community’s growth and prosperity shines through her passion for real estate. With a background in career counseling and over a decade of experience as a REALTOR®, Cassandra brings a unique blend of expertise to the table. As a trusted advisor, Cassandra empowers buyers and sellers to make well-informed decisions that align with their distinctive goals and circumstances. But Cassandra’s dedication doesn’t stop there. She finds immense gratitude in being a part of the lives of those in our vibrant community and witnessing their personal growth and achievements. As a gesture of appreciation, she donates a portion of her earned commission to Voices for Children, a local non-profit organization advocating for high-risk foster children in San Diego and Riverside Counties. Join us in following Cassandra’s journey as she continues to positively impact our community and help individuals and families achieve their real estate dreams. Ready to take the next step toward your real estate goals? Reach out to Cassandra today and experience the personalized guidance and support that sets her apart. Access her valuable insights, market trends, and the latest opportunities in our dynamic real estate market by staying connected. @cassandraaltmann | Cassandra@SelbySellsSanDiego.com Welcome to The Selby Team Cassandra!

STEVE MELANESE DRE# 02122569

Born and raised in San Diego, I attended the University of California, San Diego, graduating with a Bachelor of Arts in Biochemistry and Cell Biology. Before starting in Real Estate I had three successful careers, each spanning over a decade in Finance, Marketing, and Park Operations at SeaWorld. As a Realtor my passion to deliver outstanding service through authenticity and integrity are what my clients appreciate most.

ADAM KIRK DRE# 02095748

Originally from Humboldt County California, I was born and raised in the small town of Eureka and spent most of my early years training and pursuing the dream of leaving my hometown to go on and become a major league baseball player. Although my career ended in college at The University of Nevada Reno, another goal sprouted in its place. My next dream was to work in the people business and serve the community of my new home in San Diego. To this day I still apply the lessons and work ethic that I learned playing baseball to my work in real estate. As I now work as a Realtor, it is my commitment to both my team and my clients to always show up, lead from the front and work with the highest moral and ethical standards to fulfill my fiduciary responsibilities as a San Diego Realtor.

RYAN HUNTER DRE# 02125417

I was born and raised in a small town in southern Indiana and moved to downtown Indianapolis after graduating high school. I attended Marian University, graduating with a Bachelors of Business and Marketing. Before moving to San Diego in 2016, I worked in Real Estate and the “friendly skies” as a Flight Attendant for Southwest Airlines for nearly 20 years, where I developed an understanding of excellent client service. Today as the Client Care Coordinator with The Selby Team, I focus on getting to know our clients as real people and taking care of them from the beginning to the end. Whether you’re a first-time home buyer or seasoned seller, I will bring a welcome energy to your next real estate adventure.

RYAN ADAMS DRE# 01345683

While attending Point Loma Nazarene University to obtain my bachelor’s degree in Finance, I always knew I wanted to pursue a career in Real Estate in sunny San Diego. Before entering the field, I honed my skills by working in door-to-door sales for 4 years as the manager of a team of 10 salesmen, generating a total revenue of over 3 million dollars. I discovered my passion for working diligently with my team and providing clients with outstanding service. I’m thrilled to be working in a profession I’m passionate about.

ALEX HENRIQUEZ I am a dedicated Marketing Manager with a genuine passion for the world of real estate. While Psychology laid the groundwork for my education, it’s the vibrant world of marketing strategies and real estate that truly ignites my spirit. With 5 years of hands-on experience, I’ve had the privilege of delving into property management and marketing since 2019. Currently, I’m honored to be part of “The Selby Team” a name synonymous with excellence in the San Diego real estate landscape. My goal is simple: I’m here to collaborate with you in realizing your aspirations through innovative marketing approaches.

THE SELBY TEAM | 8889 Rio San Diego Drive, Suite 200 | San Diego, CA, 92108

(619) 259-6478 | team@selbysellssandiego.com | selbysellssd.com SDRESIDENT.COM

Create Walkable Neighborhoods Smart Growth Principle 4

By Paul Coogan, Carline McKeown | Image generated by Paul Coogan using Midjourney AI hen San Diegans think of walkability the small historic neighborhoods like Little Italy, North Park, Hillcrest, and Normal Heights immediately come to mind. The idea of getting a coffee after a morning jog, or meeting friends at a local pizzeria without having to find parking are certainly great amenities but true walkability is measured by a number of factors and has very specific benefits to both the neighborhood and the individual. Home search websites now include a WalkScore as part of a property profile and for good reason, the benefits of saving time, maintaining better health, and reducing pollution make walkable neighborhoods highly desirable places to live, work, and visit. The WalkScore numbering system, though new, is based on the term “walkablity” coined in the 1960s by Urban Studies pioneer Jane Jacobs. Her definition went beyond the amenities available by foot to include the quality of sidewalks, pedestrian rights-of-way, land use patterns, building accessibility, and safety along with other factors.

The sum of these factors creates an environment that is friendly to people living, shopping, or visiting an area and should include interfacing with other aspects of Smart Growth including mixed land uses, compact design, greenspace, and transportation choices. In older neighborhoods built in the 1920s and 30s, walkability was built in as not everyone owned a car and even those that did would typically have only one per household. Thus Normal Heights/Mid City already has the density and use mix that places it in the top 4 scores of walkability across all of San Diego County according to SD County Health and Human Services. But we can do better! As we traverse our live/work/visit triangle, there continue to be places where no practical alternative to driving exists or the walk path can be improved. Removing trip hazards from sidewalks, increasing the width of sidewalks, placing planter barriers or curb extensions to protect pedestrians, and providing shady places to rest all encourage more walking. In order for our community to be truly walkable, we need an investment in infrastructure to supplement our rich amenities.

In order for our community to be truly walkable, we need an investment in infrastructure to supplement our rich amenities. 4

SELBYSELLSSD.COM | February/March 2024

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Transform your property into a market standout with Compass Concierge! Our exclusive service helps you sell your home faster and at a higher price, with no upfront costs. Unlock your home’s true potential and maximize your returns with our expert touch.

(619) 259-6478

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ACTIVE LISTING

700 Front St UNIT 2006, San Diego, CA 92101 2 beds • 2 baths • 1,950 sq. ft. • $1,399,000 Step into luxury living in the heart of San Diego’s Marina District with this stunning 20th-floor unit at the prestigious Meridian building. The formal entry sets the stage for an open and bright kitchen, living, and dining area, flooded with natural light and offering breathtaking views of the city, mountains, and a peek-a-boo view of San Diego Bay from the large balcony. The master bedroom is a sanctuary of comfort and elegance, featuring its own balcony, a spacious walk-in closet, and a master bath with a separate water closet and shower for added privacy and convenience. The abundance of natural light throughout the unit creates a warm and airy ambiance, inviting you to relax and unwind in style. The Meridian building itself is a haven of luxury, offering an impressive array of amenities including 24/7 concierge and valet service, state-of-the-art fitness centers with Peloton spin bikes, a heated pool for year-round enjoyment, saunas, a large jacuzzi/spa, and 5 guest suites for visiting friends and family. This exceptional unit in the Meridian building presents an unparalleled opportunity for those seeking a luxurious and convenient lifestyle in San Diego. With limited availability, this is an opportunity not to be missed. Come and experience the beauty and elegance of this exceptional unit and the wonderful lifestyle that the Meridian has to offer.

LOOKING TO SELL IN NORMAL HEIGHTS? CALL JOHN SELBY TODAY!

(619) 259-6478 SELBYSELLSSD.COM

SELBYSELLSSD.COM | February/March 2024

SDRESIDENT.COM

Join us for an epic Real Estate Workshop where we’ll spill the beans on how to become a real estate investor. Savor Tempting Refreshments at Our Real Estate Investment Workshop! Our team of experts will generously share their knowledge and expertise while you savor a delectable spread of complimentary refreshments and snacks. Don’t let this incredible opportunity slip through your grasp. Discover invaluable insights and strategies to pave your path towards real estate wealth, all while enjoying our delightful refreshments and snacks! Secure your spot now, and take that crucial first step toward financial freedom.

Hurry, seats are limited! RSVP today!

Wed Mar 20 2024 at 06:00pm to 07:00pm 8889 Rio San Diego Drive, Suite 200, San Diego, CA 92108

SELBYSELLSSD.COM | February/March 2024

Shipping Containers to House Homeless People in San Diego

By Brad Hobson

project that could become a model for developing housing at record speed is beginning to take shape in the El Cerrito neighborhood of San Diego and is on track to open in December. With construction of a ground-floor medical clinic and parking garage still under way, crews are placing 21 shipping containers each day on the site at El Cajon Boulevard and 55th Street. By the end of the year, 137 shipping containers will have been converted into 40 housing units for homeless people, plus one for a manager, at a cost of $23.3 million. A planned second phase will add an additional 132 units at a cost of $60 million. The housing units are being created by People Assisting the Homeless (PATH), an L.A.-based homeless service provider that also operates a shelter, housing and outreach in San Diego. The ground floor will have a new medical clinic for Family Health Centers of San Diego, with two levels of underground parking below the clinic and two parking levels above it. The five stories of housing units are being built above the clinic and garage. While supply chain shortages and other issues have caused a delay — the project was expected to open this month — the modular housing project still is expected to have shaved about a year off the

time it would have taken with conventional construction. The project’s total cost of $23.3 million comes to $568,000 for each unit according to a PATH spokesperson. But then there are costs for delivery, labor, utilities and other expenses that drive up the final amount. The speed of construction is a trade-off for the high cost. Each container already is insulated, with drywall in the interior and cupboards, sinks, toilets, a bath and a closet already constructed. When the units get delivered to site, they’re about 90 or 95 percent complete. For the most part, there’s no reason for another trade person to go in and do any work. A rooftop garden will be atop the fifth floor and tenants will share a large courtyard. The El Cerrito project started in December-construction usually takes less than a year while the same project would have taken 18 to 24 months under the traditional method. Funding for the project included $11.8 million in state Project Homekey Funds The city and county also each contributed about $2 million from their general funds the county contributed an additional $4.4 million from the state No Place Like Home program PATH acquired a $3 million construction loan. Some El Cerrito homeowners objected to the project

By the end of the year, 137 shipping containers will have been converted into 40 housing units for homeless people.

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SDRESIDENT.COM

R E C E N T LY S O L D

5440 Baltimore Drive, Unit 145, La Mesa, CA 91942 3 beds • 2.5 baths • 1,335 sq. ft. $769,000 This nicely upgraded 3 bed/2.5 bath home backs a green space and feels like a single family residence with its direct entry, 2-car garage, owned land underneath and only 1 common wall. Other benefits include the FHA and VA available financing plus vaulted ceilings that promote a more open and light feel, new HVAC system and windows, in-unit laundry hookups and a well maintained complex that is close to fwy, SDSU, shops, restaurants and walking trails. Even the swimming pool is convenient...across the street and down a short path.

SELBYSELLSSD.COM | February/March 2024

LOOKING TO SELL IN NORMAL HEIGHTS? CALL JOHN SELBY TODAY!

(619) 259-6478 SELBYSELLSSD.COM

SDRESIDENT.COM

2023

SELBY TEAM PRESENTS

SOLD PROPERTY HIGHLIGHTS FROM THE 92115 & 92116 AREA CODES.

4552 47th St., San Diego, CA 92115 3 beds • 3 baths • 1,364 sq. ft. • Sold for $1,160,000

4461-63 42nd, San Diego, 92116 4 beds • 2 baths • 1,829 sq. ft. • Sold for $1,265,790

6781-85 Mohawk St., San Diego, 92115 6 beds • 4 baths • 2,617 sq. ft. • Sold for $1,127,400

3821 Madison Ave, San Diego, CA 92116 2 beds • 1 bath • 750 sq. ft. • Sold for $925,000

3490 Collier Ave, San Diego, CA 92116 3 beds • 2 baths • 1,025 sq. ft. • Sold for $1,000,000

3535 Monroe Ave. Unit 20, San Diego, 92116 2 beds • 2 baths • 858 sq. ft. • Sold for $559,000

6416 Stanley Ave., San Diego, CA 92115 4 beds • 2.5 baths • 1,344 sq. ft. • Sold for $915,000

SELBYSELLSSD.COM | February/March 2024

4518 39th St, San Diego, CA 92116 3 beds • 2.5 baths • 970 sq. ft. • Sold for $1,030,000

4660 Ohio St., San Diego, 92116 2 beds • 2 baths • 588 sq. ft. • Sold for $687,200

3425 Arthur Ave., San Diego, 92116 2 beds • 1 bath • 762 sq. ft. • Sold for $900,000

4415 38th St. Unit 2, San Diego, 92116 1 bed • 1 bath • 1,829 sq. ft. • Sold for $389,000

4709 Winona Ave, San Diego, 92115 4 beds • 3 baths • 1,496 sq. ft. • Sold for $1,299,000

4349 Argos Dr., San Diego, 92116 3 beds • 2 baths • 1,423 sq. ft. • Sold for $1,420,000

LOOKING TO SELL IN NORMAL HEIGHTS? CALL JOHN SELBY TODAY! 4550 Bancroft Street, Unit 7, San Diego, CA 92116 2 beds • 1 bath • 750 sq. ft. • Sold for $500,000

(619) 259-6478 SELBYSELLSSD.COM SDRESIDENT.COM

Rabbit Hole is a high energy local bar and restaurant proud to be serving the Normal Heights community. Year round we offer a unique menu full of a variety of comfort food, tacos, sandwiches and more, as well as signature cocktails sure to brighten any day. Rabbit Hole also caters to the Normal Heights community with a full list of drafts, continuously rotating to feature some of San Diego’s newest and best beers in the craft industry.

3377 Adams Ave, San Diego, CA, 92116

rabbitholesd.com (619) 255-4653

REVIEWS & TESTIMONIALS

WE’RE MORE THAN FIVE-STAR SAN DIEGO REALTORS WE’RE A FAMILY HELPING YOUR FAMILY MOVE FORWARD. Steve recently helped me purchase a condo near Palm Springs and I'm so thankful for his support. Steve was so patient, caring, knowledgeable, and supportive through the entire process and a pleasure to work with. Steve always made time for our calls, questions, and inquiries and we had many! I really appreciated that Steve went out of his way to meet us in the Palm Springs area to help us with our decision. I completely trust Steve and I value our friendship. — R S A U VA J O T

HHHHH John and his team do an outstanding job of making the home buying process as easy as possible. We moved down here from northern California and weren't familiar with the area so John did a great job of talking to us about our budget, commute, and house goals to find the most ideal location for us to live. With the housing market heating up in San Diego I would recommend working with The Selby Team to ensure you get the exact home you want.

We are so grateful to have had John on our side when buying our first home. He found the perfect home for us and did such a great job negotiating that he got it for an amazing price. We keep seeing homes exactly like ours in our community that were purchased for much more and it makes us feel so thankful that we had John. He really knows what he is doing and was thoughtful and intentional with his negotiations. We always felt very comfortable, supported, and like he truly had our best interests at heart. Would recommend him to anyone! Thank you John! — K R I S TA N A Z I V I C

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— JESSICA L.

HHHHH My wife and I couldn’t have asked for a better team to help us with our first home purchase. We were both nervous about buying our first home, especially in the extremely competitive market, but knew we were in good hands. John was incredibly helpful throughout the entire process- he was professional, proactive, easily reachable, and kept a calm and uplifting attitude. We went to go see several houses all around San Diego with John and eventually found one that we loved and put an offer in. I believe the house had over a dozen other offers, but John and I came back with a second offer which got accepted! We felt extremely lucky that we ended up in the first house we put an offer in, but it’s not luck with John on your side. I would recommend The Selby Team to anyone ready to navigate the home buying experience!

LEAVE A REVIEW

— JACKSON M

HHHHH There aren’t enough kind words to say about John and his team. First time buyer and he answered every (and I mean EVERY) question, was a great communicator and never made me feel like a pain. His relationships in the area made the home buying process feel like a breeze and he has been there night and day to help me. A joy to work with - if you looking to buy, John’s your guy. — KNMURPHY21

HHHHH I would recommend Joanie to anyone and everyone! Morning, night, weekends and even while she's on vacation - she's always there to answer questions and very knowledgeable about the industry and SD area - bringing up things that we never even thought to consider! She guided us through the entire buying process and was able to get us into properties the day they were listed - we can't say enough about Joanie and the Selby team!! — M.CHENG

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LOOKING TO SELL OR BUY IN SAN DIEGO? REACH OUT TODAY!

(619) 259-6478 SELBYSELLSSD.COM SDRESIDENT.COM

SELBY TEAM

PRESENTS

TEAM STATS

THE SELBY TEAM

Team@SelbySellsSandiego.com SelbySellsSD.com (619) 259-6478 San Diego experts with over 29 collective years of experience and collaborative services to maximize your home sale. (left to right) The Selby Team: Ryan Adams DRE# 0134568 Joanie Selby DRE# 01345683; Joanie Selby DRE# 01345683 Steve Melanese DRE# 02122569; Adam Kirk DRE# 02095748 Ryan Hunter DRE# 02125417

SELLERS represented in San Diego in the last 12 months by The Selby Team SELLER

$876,000 AVERAGE SOLD PRICE (BUYER) $44,000,000 TOTAL SALES VOLUME 49 TOTAL TRANSACTIONS Based on date from CRMLS between December 10th, 2022 through December 10th, 2023

SELBYSELLSSD.COM | February/March 2024

BUYERS represented in San Diego in the last 12 months by The Selby Team

REPRESENTED TEAM

$882,000 AVERAGE SOLD PRICE (LISTING)

20 STATS

Whether you’re ready to sell now or just have real estate questions, we are here to help you navigate your options and achieve success

THE SELBY TEAM (619) 259-6478

SELBY TEAM

PRESENTS

92116 MARKET REPORT

Median Sales Price January 2024 S I N G L E FA M I LY Rolling 12-Month Calculation

All MLS — 92116 —

$,1400,000 $1,200,000

Single Family Market Update

Average Sales Price

$2,270,000

$1,000,000 $800,000

19 Active Listings

$600,000 $400,000 1-2014 2-2015 3-2016

4-2017 5-2018 6-2019 7-2020 8-2021 9-2022 10-2023

TOW N H O U S E / C O N D O Rolling 12-Month Calculation

All MLS — 92116 —

$700,000

Homes Sold

$600,000 $500,000 $400,000

Days on Market Until Sale

$300,000

-5.0%

Sales Price % Change from 2023 to 2024

$200,000 1-2014 2-2015 3-2016

4-2017 5-2018 6-2019 7-2020 8-2021 9-2022 10-2023

Provided by the Greater San Diego Association of REALTORS®. Current as of February 5, 2024. All data from the San Diego MLS. Report © 2024 ShowingTime. Percent changes are calculated using rounded figures.

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PREFERRED PARTNER

ELEMENTAL HORIZON CONSTRUCTION, INC. ENDORSED BY

“

Ivor and his team are a cut above the others when it comes to your home remodels. He doesn’t cut corners and always has your —the Selby Team back!

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CUSTOM-MADE FOR YOU Full service general contractor. We handle every aspect of your project from design to the final outcome. Commercial or home construction. Framing, electrical, plumbing, concrete... we do it all. We take pride in quality, custom-tailored craftsmanship. Reach out today for an estimate!

ORVILLE IVOR MCCALLISTER IV President | Elemental Horizon Construction, Inc.

8838 Valencia Street Unit A, Spring Valley, CA 91977 ivormcc123@gmail.com | (619) 609-6129 facebook.com/elementalhorizonconstructioninc/

SELBYSELLSSD.COM | February/March 2024

PREFERRED PARTNER

BALBOA ELECTRIC ENDORSED BY

“

Dennis is our go to electrician he always knows the answers and his work is clean —the Selby Team and correct

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NO JOB TOO SMALL OR TOO BIG

Our professional team services all residential and commercial electrical systems. If you are looking for an electrician that leaves the job completed worry free, we are the ones for you. We offer free, no-obligation estimates on any installation or remodeling job. Built on the foundation of dependability and quality work at a reasonable price. Servicing both residential and commercial, with no job too small. or too large. We take details to a new level. We take pride in every step of the installation... combining safety and design into the final product. California licensed and highly rated.

Downtown La Mesa, La Mesa info@balboaelectric.com (619) 928-9894

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PREFERRED PARTNER

BENCHMARK MORTGAGE

ENDORSED BY

“

We trust Carl with not only our lending but also our financial decisions he is a wealth of —the Selby Team knowledge!

CARL SPITERI Branch Manager/ Mortgage Advisor NMLS# 286890

6310 Greenwich Dr #200 San Diego, CA 92122 carl.spiteri@benchmark.us Office: (858) 526-3037 | Cell: (619) 871-0237 CarlSpiteri.com Ark-La-Tex Financial Services, LLC d/b/a Benchmark Mortgage 5160 Tennyson Pkwy STE 1000, Plano, TX 75024. NMLS ID #2143 (www.nmlsconsumeraccess.org) 972-398-7676. This advertisement is for general information purposes only. Some products may not be available in all licensed locations. Information, rates, and pricing are subject to change without prior notice at the sole discretion of ArkLa-Tex Financial Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions may apply. (https://benchmark.us)

SELBYSELLSSD.COM | February/March 2024

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Since 1991, Carl Spiteri has been helping people their financial dreams and goals. From first time homebuyers through Retirement mortgages and everything in between we want to be your lender for life. Having been an adjunct professor at Woodbury University teaching architects and developers about project finance, additionally Carl teaches the course “Basics of Lending” for the California Association of Realtors. Carl’s breadth of knowledge, the expertise of his team, his experience in credit and debt challenges Since 1991, Carl Spiteri has been helping people their makes him the person to guide nancial dreams andperfect goals. From First time you homebuyers through Retirement mortgages and on your road to financial success. We believe everything in between we want to be your lender for that everyone should have access to quality life. Having been an adjunct professor at Woodbury financial services and solutions regardlessabout University teaching architects and developers project nance, Additionally Carl teaches of their situation or location; our goalthe is tocourse "Basics of Lending" for the California Association of makeCarl's surebreadth that everyone who walks Realtors. of knowledge, thethrough expertise of our doors leaves with smileand on their his team, his experience in acredit debt face challenges makes him the perfect person to guide you on your knowing that they made a good decision by road to nancial success. We believe that everyone choosing us! to quality nancial services and should have access

solutions regardless of their situation or location; our goal is to make sure that everyone who walks through our doors leaves with a smile on their face - knowing that they made a good decision by choosing us!

Carl Spiteri

Branch Manager/Mortgage Advisor NMLS ID 286890 Oﬃce: 858.526.3037 | Cell: 619.871.0237 carl.spiteri@benchmark.us | www.CarlSpiteri.com 6310 Greenwich Drive, Suite 200, San Diego, CA 92122 Ark-La-Tex Financial Services, LLC d/b/a Benchmark Mortgage 5160 Tennyson Pkwy STE 1000, Plano, TX 75024. NMLS ID #2143 (www.nmlsconsumeraccess.org) 972-398-7676. This advertisement is for general information purposes only. Some products may not be available in all licensed locations. Information, rates, and pricing are subject to change without prior notice at the sole discretion of Ark-La-Tex Financial Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions may apply. (https://benchmark.us)

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PREFERRED PARTNER PARTNER PREFERRED

POWUR SOLAR ENDORSED BY

“

Solar is a hard thing to understand and there are so many companies out there selling bad solar contracts. Joe explains everything to you to make sure what you get is right for —the Selby Team you!

”

POWUR IS HERE WITH THE PURPOSE TO MAKE A DIFFERENCE So the very origins of our company are rooted in how we make a difference on this Earth. We accelerate the adoption of sustainable energy worldwide. To become the largest clean energy platform on planet earth. It’s simple, Powur collects your utility bill so we can design a custom savings proposal for your home. Then, we schedule a consultation to review your best money saving options.

Joe Skillman SolarJoeSD@gmail.com (619) 306-1524 powur.com www.facebook.com/PowurPBC 22

SELBYSELLSSD.COM | February/March 2024

HAWTHORN & ALBATROSS ENDORSED BY

TAKING PRIDE IN THE REVITALIZATION OF SAN DIEGO HOMES The team at Hawthorn & Albatross is nothing short of exceptional. They consistently deliver a top-notch renovation experience, earning them an A+ rating and a well-deserved 5-star reputation. Whether you’re working with them as a buyer, seller or real estate agent, they have mastered the art of creating a seamless and efficient renovation process that fosters a sense of unity among all involved. Their responsiveness and commitment to excellence to deliver quality work is truly commendable. I take great pride in partnering with them to contribute to the revitalization of San Diego homes.

9815 Caroll Canyon Rd Suite 206, San Diego (619) 961-3070 hawthornandalbatross.com SDRESIDENT.COM

BUYERS GUIDE Navigate the landscape of San Diego real estate with the Selby Team's Buyer's Guide, your "key-pid" to unlocking your ideal home. This guide, crafted with expertise and care, offers essential insights to streamline your journey to homeownership. Scan the QR code below for your exclusive copy. This Valentine's Day, let's find a home where your heart can truly reside.

SELBYSELLSSD.COM | February/March 2024

E V E N T S May 3

(2-5pm) THE SELBY TEAM SHRED IT AND ELECTRONIC RECYCLE EVENT Rite Aid parking lot on Adams Ave.

Feb 29 (4-6pm)

THE SELBY TEAM FOOD DRIVE

8889 Rio San Diego Drive, Suite 200 San Diego, CA, 92108

Food drive drop off in our Mission Valley office. Scan code to donate!

Come shred with us and get rid of that unwanted clutter. Or recycle that old broken computer. Co-sponsored by www.automates.com

Summer (TBD) SUMMER HAPPY HOUR

ON THE BLOG

Buying Vs. Renting In Normal Heights: A Comparative Study | The Selby Team Are you considering buying a home in Normal Heights? While we can certainly help turn your homeownership dreams into an address, we believe in helping our clients make the best-informed decisions possible.