Earthgrown Market (formerly Boney’s) in Oceanside, CA at 1820 Oceanside Blvd. is the best solution in North County San Diego for stretching your food budget dollar.
Looking for organic produce? The freshest meats and seafood? Gluten free? Bulk spices? Great values and selection of wine? Earthgrown Market is the perfect destination.
Be sure to sign up for the $500 grocery give away drawing held every month!
Eat better for less...shop Boney’s EarthGrown Market in Oceanside!!!
Stop by to see the new remodel and sign up for their monthly drawing for FREE groceries!!
Discover Oceanside’s solution to sky rocketing food prices by shopping at Boney’s, 1820 Oceanside Blvd., Oceanside, CA 92054. Privately owned and independently managed, Boney’s is not your typical “chain” grocery store.
Earthgrown is the perfect name to describe Boney’s commitment to healthy and fresh food. They carry an abundance of locally grown organic food and keep their prices extremely low by buying direct from the source. The result is an awesome array to perfectly ripe fruits and
vegetables....all at a price that will not disappoint.
Looking for fresh meats and seafood? It doesn’t get better! Boney’s gets a fresh delivery of seafood six days a week...every week! The meat department is large enough to provide lots of variety, but small enough that you know the products are fresh. If you are looking for something special, just ask the butcher for a special order.
Don’t forget to stop by the Deli!.. There is a great selection of salads, meats, cheeses and
specialty products. Boney’s carries an extensive line of BoarsHead meats, pickles and sauerkraut. A summer cookout is just not complete without BoarsHead franks!
Whether you are single, or have several children and extended family, you will really appreciate the large array of “bulk” dry goods. The prices on fantastic and you can buy exactly the right amount! Absolutely no need to buy more than either or your budget needs!
Seriously, the Best of Oceanside is found at Boney’s HomeGrown Market.
Managed with pride by Al Bercuson (760) 754-6555
Teaching an old dog some new tricks. Okay, I am not willing to concede that I am an old dog, However, I am willing and motivated to explore new revelations in the lending process.
In a typical mortgage/real estate transaction the consumer meets with the mortgage professional, who in turn takes an application and runs an automated underwriting (DU or LP) of the file. The “approved” file is then sent to the processor...who will, in turn, do a “mini-underwrite” of the file and ask for more explanation or documentation. Only after the processor is satisfied will the file be forwarded to the REAL decision maker (underwriter) on the file.
The problem with the traditional mortgage process is two fold:
1). Simply put: Garbage in, garbage out! In other words, an approval on automated underwriting means nothing if the data entered does not conform and comply with lending guidelines. Much like a “pre-qual”, the AU (automated underwriting) is as good as the knowledge and education of the person rendering the decision.
2). TBD (to be determined) properties have absolutely no clout in the underwriting process. The vast majority of lenders have reeled in the underwriting process (in an effort to dave money and prevent risk) and, as a result, only thoroughly underwrite applications with a designated property and a executed contract.
THE SOLUTION: Provide complete underwriting of the credit package of every potential home buyer.
This is simply a “reverse” process (not to be confused with a reverse mortgage or HECM). I (or my team member) meets with the client to evaluate the goals and guideline restrictions; the file is input and submitted directly to the underwriter; the approval is issued subject to conditions and the file is then forwarded to a processor for “processing”.
In my 20 plus years of finance I have never seen a company implement a process that was more consumer and agent “centric”. As the saying goes: “My jaw dropped”!
Want to see the difference this process can make in your life? Give me a call or send me an email.
Belief in White Knight’s and “pixie dust” are not doing your clients any favors in the current market. I guess I have always had a “bankers state of mind” in all aspects of life.
A good friend of mind (who happened to be a seasoned therapist) once told me a was a “Pragmatic Romantic”. In other words, I love (and appreciate) romance; but not at the expense of practicality. It would not be a wise move to buy me roses, then tell me we were short on the mortgage payment!
I posted an article the other day about High Balance Loan Limits....Going, Going, Gone wherein I brought up the FACT that Fannie Mae will be reducing their maximum high balance conforming loans by a substantial $104,000 effective October 1, 2011.
I was grateful and humbled to see the post featured; more importantly, my intent was to get as much knowledge as possible out to agents so they can help their clients focus on their goals and opportunities over the coming months.
What really surprised me is the number of comments that were based entirely upon a wish or fantasy. Of course, this is my opinion as I am talking about the FUTURE; however, my opins are based on past experience, current market and political trends and the direction of the mortgage and real estate industry.
“I'm sure the lenders will come up with something else”
My response: I respectively disagree.......you have to remember that "high balances" affect a relatively small amount of the mortgage market. Further, like the 8K tax credit, the government cannot continue to shore up the facts of the marketplace.
It is the very action or thought process that the government will save the day that keeps people on the fence. The American consumer, in large part, is choosing to pass on the best financing opportunity in over forty years (I am referring the housing affordability index). The facts are that the regulations are in place for reduction on the loan limits effective 10/01/11. The facts are also that the Feds have commited to buying MBS (mortgage backed securities) through the second quarter...but that could change as the economy improves.
The Republicans have regained much control of Congress and there is little interest at the governmental level for continuing the ride on the tax rolls. Not trying to be harsh or argumentative; however, I think we all (agents and MLO's alike) do consumers a disservice by fostering any belief that governmental "pixie dust" is going make everything alright. I have maintained for the past year that we will hear nothing but "wishin', shudda, coulda" in the next year or so as the housing market rebounds. JMHO
ADDITIONAL NOTE: I have to believe the market is going to rebound in the coming year or two. If I didn’t, I could not in good conscious continue my career counseling consumers to buy real estate.
“In our area we don't worry too much about HIGH loan limits! Our average home sale is under $100K so we don't normally worry.”
My response: Your situation resembles the majority of the country; which is exactly why I stand by my comment (above). I do not anticipate this ruling will be changed.
“Hopefully the higher loan limits won't be allowed to expire as that's not going to help our market to recover.”
My response: Well I applaud hope, I don't think there is rationale or desire to extend the limits (please understand, my thoughts and comments have nothing to do with my personal beliefs or desires of whether they should stay or go...I am totally detached in my observations).
“I wonder if they are doing this to decrease liability or if this is keeping in lockstep perhaps with lower property values.”
My response: It is important to understand that the rulings are to return to "normal" market standards....it really has little to do with liability or lower property values. Just like it was unrealistic for people to think the 8K tax credit was going to be repeatedly extended; it is also unrealistic to think the Fed is going to extend buying MBS indefinitely and/or continue to manipulate the housing market. Again, my humble opin.
Please know that I have the utmost respect for the opinions and comments of those I have quoted...I just truly believe we (real estate agents and mortgage professionals) have a fiduciary responsibility to provide consumers the FACTS, not a version of our beliefs.
As for me, I gave up believing in White Knights and “pixie dust” a long time ago. Oh, expect for my friend, White Knight; whom I rescued from the most deplorable situation when I was in Indiana. In fact, I did not choose him...he chose me. Another post for another day.
Extra Mile Electric lights up the neighborhoods in Murrieta and Temecula and surrounding communities! Do you love the sight of Holiday lights? I know I do! But I sure do not enjoy the chore of putting them up and taking them down!
Many of us would love to decorate our homes with twinkling, sparkling lights; however, the task of putting up and taking down the display is just too daunting. Climbing latters and walking on roofs are activities most of us would choose to avoid.
Extra Mile Electric of Murrieta/Temecula and southern Riverside County has the perfect solution in their “Put it up and Take it down” holiday special. They will even help you design your holiday display and provide you low cost, low watt LED lights.
For a two story home of about 2000 sq ft. we have a package deal at $475.
Includes: Install and removal, plus up keep. Self timer and 50' of extension cords. Front eve's and around the garage opening only, with almost 200' of LED lights.
Single story homes starting as low as $350.
Includes: Install and removal, plus up keep. Self Timer and 50' of extension cords. Front eve's and around the garage opening only, with almost 125' of LED lights.
Custom design extra charges are as fallows:
Any additional lights are $60. per 25 linear ft.
Trees and Hedge's range between $30 and up.
Icicle lights are $75 per 25 linear ft.
Extension cords are $2 per foot.
(951)757-5235
CA License: 863891
Ronald Yelenich, Jr., President
If you have your own lights you want installed. Please have them out ready and check to make sure they work! Price's start as low as $200. Depending on the type of and how many lights you have. This price includes a two man crew for 3hrs. If more time is needed to repair lights, unpackage, and test, our rates are $80 per hour.
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Mortgage Professional with over twenty years experience in finance. Dedicated to helping consumers achieve their financial goals. Contact me when you want Knowlegdge, Experience
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