This unique installation has created an energy befitting the diverse, eclectic spiritual vibe of our city. Those pontificating the Surfing Madonna's removal should direct similar attention to the eradication of litter and cigarette butts besieging our sidewalks, streets, off ramps and highways.
The Surfing Madonna is an Encinitas Chamber of Commerce dream come true, attracting positive media attention and visitors alike. Litter attracts nothing, while blighting our city and tarnishing it's "Community Curb Appeal."
Perhaps the Surfing Madonna represents a hail Mary pass to "Save the Ocean" as the tiled message reads; and our city!
No matter what God you pray to, I believe we can all agree that that the Surfing Madonna has drawn and inspired more positive attention than negative, and I, for an Army-of-One, hope she has found a home in Encinitas, California.
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For a positively moving experience, please contact Robert "The Realtor" Sizer at 760-519-8436 or search San Diego Homes for sale on line @ http://www.sandiegonethomes.com
I'm never too busy to answer your questions.
Here are the 2011 mortgage guidelines for obtaining a conventional, FHA or VA home loan following a Foreclosure, Short Sale or Bankruptcy:
2011 Conventional Loan Programs:
· 7 year waiting period after a foreclosure
· 4 year waiting period after a bankruptcy
· 4 year waiting period after a short sale (Max 80% L TV)
· Credit must be re-established with a minimum 660 FICO
2011 FHA Loan Programs:
· 3 year waiting period after a foreclosure
· 2 year waiting period after a bankruptcy
· 3 year waiting period after a short sale
· Credit must be re-established with a minimum 640 FICO
2011 VA Loan Programs:
· 2 year waiting period after a foreclosure
· 2 year after a short sale, unless it was a VA loan then restrictions apply
· 2 years after a bankruptcy
· Credit must be re-established with a minimum 620 FICO
Ask your REALTOR®for a lender referral in your area. If you don't have a

It's only the 3rd day into the year, but I'm really liking the commitment I've made to bringing a different perspective each day by taking a short video of Moonlight Beach and sharing it with you. If reality is 100% perception, then my reality today is like a rainy day at the beach!
In speaking with my San Diego County Real Estate clients, it's important to first understand their perception ~ their reality. Are they fearful and anxious, or do they have an unrealistic perception of the real estate market or the value of their property? The only way to change their reality is to change their perception.
Changing one's perception is not an easy task, unless there's a compelling belief in doing so. As a professional real estate advisor, I must first understand the BIG PICTURE in order to gain a clear perspective before advising my clients. Asking well thought out questions regarding my client's goals and concerns will provide insight into their perception, allowing me the opportunity to generate a successful marketing plan, which will lead them more confidently towards achieving their real estate goals (a reality) in 2011 and beyond.
Moonlight Beach, Encinitas, CA 92024/01-03-11
If you're needing a different perspective or another opinion about your residential real estate goals for 2011 & beyond, shoot me a call at 760-519-8436 or email me: robert@robertsizer.com I promise to get back to you the same day.
Robert Sizer, San Diego County Real Estate Advisor Since 1994
CA Lic #01187872
If you like the content of this blog, I invite you to subscribe!
Today's short video clip of Moonlight Beach in Encinitas California was shot Sunday morning, January 2, 2011 at approximately 7:15AM. Dolphin can be seen swimming along the wave-line heading south about 50 yards off the shore.
As a San Diego native and San Diego County real estate professional, it it my intention to share the amazing attractions and lifestyle San Diego County offers each and everyday. If you'd like to see more video presentations like this, or learn more about the San Diego Housing market, I invite you to subscribe to: http://localism.com/neighbor/robertsizer
Moonlight Beach, Encinitas, CA 92024/01-02-11
Brought to you by:
Robert Sizer, Realtor
Lic # 01187872
It is my intention to share Moonlight Beach with my friends each and everyday of the year. Today's clip was shot with my IPhone at approximately 10:45AM this first day of January, 2011. As we begin the New Year, we all have an opportunity to push the reset button and start anew, leaving behind all the negative thoughts that do not serve us. Choose to surround yourself with people who will inspire a healthier, happier & more successful you! What kind of a year do you expect to have?
"You miss 100% of the shots you never take!" Wayne Gretsky
When buying, selling or investing in San Diego County Real Estate, do you have a go-to professional you'd recommend?
If not, I invite you to visit my San Diego Real Estate Website
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