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Defensible Spaces – How to Prepare Your Home for Wildfires

A red flag warning was placed on most of San Diego County this week following the onset of Santa Ana winds and low humidity that greatly increase the chance of wildfire. Authorities are on high alert for wildfire activity in California following the increase in vegetation from 2016’s storms combined with the dry conditions we saw in this year’s drought. While October is considered to be the peak month in “fire season,” wildfires are unpredictable and unexpected, so it’s wise to take preventative measures for wildfires. The best way to do this is by creating a defensible space around your home.

A defensible space is a buffer zone between your home and especially flammable materials such as trees, grass, shrubs, and other forms of vegetation. The term “defensible space” refers to firefighting, with homes that have a better defensible space being safer and easier for firefighters to protect. So making sure that your home has a defensible space not only decreases the odds of your home catching fire, it also increases the odds that the authorities will fight for your home if many homes are in danger of catching fire.

Defensible spaces are divided into two different zones with different requirements. ...

Things To Do In San Diego This Weekend - Labor Day Edition

It’s an eventful Labor Day Weekend here in San Diego! Check out some of the many offerings that our county has to offer.

—   Saturday   —   Sunday   —   Monday   —

Saturday, September 2, 2017:

Daybreak at Del Mar

Where: Del Mar Thoroughbred Club

When: Every weekend from 7:30 AM to 9:30 AM

Price: Free admission

All ages

Calling all early birds! Enjoy a wide selection of breakfast foods while you view the morning workouts at the Del Mar Racetrack. Take a chance to meet former jockey and event announcer Jeff Bloom, who will answer your horse-racing questions.

Snorkel with Leopard Sharks

A Day at the Races!

Aug 31
Category | General

A Day at the Races!

Friday, August 22 sparked Residential Wholesale Mortgage’s Annual Day at the Races. RWMI team members and family grabbed their hats, closed down shop, and headed to where the turf meets the surf for the 4:00 race time. Friends and family joined together at the Del Mar Thoroughbred Club for an evening filled with stories, laughter, and delicious food from the Stretch Run Grill. Believe it or not, we all really do enjoy each other’s company!



A long-standing Del Mar races tradition and highlight of the evening was definitely the hat contest.  Some people went for the classier approach, others went humorous. The winner of the contest was our office manager, Jason Garcia, whose extravagant fiesta hat was a shoe-in for the win!



After 8 races and a fun-filled evening, it was another historic company event to remember. As the crowds began clearing out and the sun set over the track we bid our farewells. Some stayed for the music concert while others headed home to catch ...

How to Choose the Right Lender

Aug 28
Category | General

How to Choose the Right Lender

If you are looking to purchase or refinance a home, you will definitely benefit from talking to an experienced mortgage loan officer. Referrals from friends and family are a good place to start, but there are a few points you will want to consider. Whomever you choose, make sure they discuss the wide variety of loan products that are available to meet your needs. Also, make sure you understand all applicable charges and fees so that there are no surprises when you are ready to close your loan. Lastly, look for a trustworthy loan professional that has your interest at heart over the long run—not just in the short-term with your first transaction.

Before you start researching lenders, you should ensure that you are well-informed on the home buying process. This means learning basic mortgage terminology, understanding common home buying pitfalls to avoid, and educating yourself on the pre-approval process. If you are reading this blog, chances are that you’re already taking steps to become informed about the mortgage process, so keep up the good work!

“Forever GI Bill” Signed Into Law

Aug 18
Category | General

“Forever GI Bill” Signed Into Law

Following unanimous congressional approval, the bipartisan Harry W. Colmery Veterans Educational Assistance Act of 2017 (commonly referred to as the “Forever GI Bill”) has been signed into law by President Trump. The bill contains over 30 provisions that aim to improve and expand educational benefits for veterans, service members, military families and survivors.

The most significant part of the bill is that it overturns a statute in the Post-9/11 GI Bill that required veterans to use their educational benefits within 15 years of their last 90-day period of active-duty service or else they lose their eligibility. GI Bill benefits for veterans no longer expire, which earned it the “Forever GI Bill” nickname.

The lifetime GI Bill benefits are available to those who left the military after January 1, 2013 as well as the surviving families of any service members who died in the line of duty. The official title of the bill is an homage to Harry W. Colmey, the American Legion national commander who wrote the text of the original GI Bill in 1944.

Benefits will also be restored to veterans ...

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