Recipe: Smoky Roasted Tomato Bisque

Smoky Roasted Tomato Bisque

Ingredients

  • 1 1/2 pounds fresh tomatoes, stemmed and quartered
  • tablespoons olive oil
  • 1 1/2 teaspoons smoked paprika
  • 1/2 teaspoon kosher salt
  • 1/4 cup unsalted butter
  • 1/4 cup chopped white onion
  • 1/4 cup chopped celery
  • tablespoons chopped fennel
  • cloves garlic, minced
  • 1/2 cup heavy cream
  • 1/4 cup buttermilk
  • 1/2 teaspoon dried oregano, crushed
  • 1/2 teaspoon dried thyme, crushed
  • cups water
  • tablespoons dry red wine
  • Salt
  • Black pepper

Directions

  1. Preheat oven to 300 degrees . Line a 15x10x1-inch baking pan with foil. Place tomatoes on pan. Drizzle with oil. Sprinkle with smoked paprika and kosher salt; toss to coat. Roast, uncovered, until softened, about 45 minutes. Let cool. Transfer tomatoes to a blender or food processor. Cover and blend until a smooth puree.
  2. Meanwhile, in a large saucepan, melt butter over medium heat until foaming. Add onion, celery and fennel. Cook until tender and translucent, about 5 minutes. Add garlic; cook until fragrant, about 1 minute. Add cream, buttermilk and herbs; bring to a boil. Reduce heat and simmer, uncovered, until reduced by half, about 10 minutes.
  3. Add the pureed tomatoes, water and wine. Bring mixture to a boil. Reduce heat and simmer, uncovered, 30 minutes, to develop flavor and reduce slightly. Let cool slightly. Working in batches, puree in a blender or food processer until smooth. Season with salt and pepper.

Nutrition Facts:

Servings Per Recipe 4, chol. (mg) 66, Fat, total (g) 30, cal. (kcal) 326, Polyunsaturated fat (g) 2, Monounsaturated fat (g) 11, carb. (g) 11, sat. fat (g) 15, pro. (g) 3, calcium (mg) 82, sugar (g) 7, Potassium (mg) 518, fiber (g) 3, Trans fatty acid (g) 1, Riboflavin (mg) 0, Thiamin (mg) 0, vit. C (mg) 26, vit. A (IU) 2288, iron (mg) 1, Cobalamin (Vit. B12) (µg) 0, Folate (µg) 34, Pyridoxine (Vit. B6) (mg) 0, Niacin (mg) 1, sodium (mg) 331

Click HERE for more information about the recipe.

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Making a Good First Impression

Image result for buyers first impressions

If you want buyers to be interested in your home, you need to show it in its best light. A good first impression can influence a buyer both emotionally and visually, thus prompting them to make an offer. In addition, what the buyer first sees is what they think of when they consider the asking price.

A bad first impression can dissuade a potential buyer. Don’t show your property until it’s all fixed up. You do not want to give buyers the chance to use the negative first impression they have as means of negotiation.

Ask around for the opinions others have of your home. Real estate agents who see houses everyday can give solid advice on what needs to be done. Consider what architects or landscape designers have to say. What you need are objective opinions, and it’s sometimes hard to separate the personal and emotional ties you have for the home from the property itself.

Image result for home selling impression infographic

Typically, there are some general fix ups that need to be done both outside and on the inside. As a seller, you should consider the following:

  • Landscaping – Has the front yard been maintained? Are areas of the house visible to the street in good condition?
  • Cleaning or Redoing the driveway – Is your driveway cluttered with toys, tools, trash etc.?
  • Painting – Does both the exterior and the interior look like they have been well taken care of?
  • Carpeting – Does the carpet have stains? Or does the carpet look old and dirty?

Title Insurance When Refinancing Your Loan

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Lower interest rates have motivated you to refinance your home loan. The lower rate may save you a tremendous amount of money over the life of the loan, but you should also expect to pay the lender the typical closing costs associated with any new loan, including service fees, points, title insurance protection and other expenses.

Why do I need to purchase a new title insurance policy on a refinanced loan?

To the lender, a refinance loan is no different than any other home loan. So, your lender will want to insure that their new loan is protected by title insurance, just as the original lender required. Therefore, when you refinance you are buying a title policy to protect your lender.

Why does a Lender need title insurance?

Most lenders generate loans and then immediately sell those loans to secondary market investors, such as FannieMae.

FannieMae, in order to protect its security interest in the loan, requires title insurance coverage. Even those lenders who keep original loans in their portfolio are wise to get a lenders policy to protect their investment against title related defects.

When I purchased my home, didn’t I also buy a lender’s policy?

Perhaps. Who pays for the lender’s policy on a purchase loan varies regionally and by the terms of individual contracts.

However, even if you did buy a lender’s policy when you purchased your home, the lender’s policy remains in force only during the life of the loan that was insured. If you refinance, the old loan is paid off (the “life” of the loan expires) and a new loan is issued for which the lender will require a new title insurance policy.

What about my original title insurance policy?

When you bought your home, you purchased a Homeowners title policy. The Homeowners’ policy stays in force as long as you or your heirs own the home. When you refinance, your lender will often require that you purchase a new lender’s policy to protect their new security interest in the property. Thus, you are buying a policy to protect your lender, not a new Homeowner’s policy.

What could possibly have happened since I purchased my home which warrants a new lender’s policy?

Since the time that the original loan was made, you may have taken out a second trust deed on the house or had mechanic’s liens, child support liens or legal judgments recorded against you – events that could result in serious financial losses to an unprotected lender. Regardless if it has been only 6 months or less since you purchased or refinanced your home, a myriad of title defects could have occurred. While you may not have any title defects, many Homeowners do. The only way for a lender to adequately protect itself is to get a new lender’s policy each time you purchase or refinance your home.

Are there any discounts available for title insurance on a refinance transaction?

Yes. Title companies offer a refinance transaction discount or a short-term rate. Discounts may also be available if you use the same lender for your refinance loan and your original loan. Be sure to ask your title company how they can save you money.

Recipe: Sausage Polenta with Nestled Eggs

Sausage-Polenta-2-RU214807

Ingredients

  • 2 1/2 cups vegetable broth
  • 1 1/4 cups milk
  • cup quick-cooking polenta mix
  • 1 1/4 cups shredded Mexican-style four-cheese blend
  • 4 – ounce can diced green chiles
  • ounces bulk pork sausage
  • cups sliced fresh mushrooms
  • cup finely chopped onion
  • Nonstick cooking spray
  • eggs
  • Freshly ground black pepper (optional)
  • Snipped fresh cilantro (optional)
  • Bottled hot pepper sauce (optional)

Directions

  1. In a large saucepan, bring vegetable broth to boiling. Meanwhile, in a small bowl or large glass measuring cup, stir together milk and polenta. Add polenta mixture in a slow, steady stream to vegetable broth, stirring constantly; reduce heat. Cook and stir until bubbly; cook and stir for 3 to 5 minutes more until polenta is thickened. Stir in cheese and diced green chlles until well mixed; set aside.
  2. In an extra-large skillet, cook sausage, mushrooms and onion over medium-high heat until meat browns and onion is tender. Drain and discard liquid. Stir in polenta mixture until well mixed.
  3. Evenly spread polenta-meat mixture into a greased 3-quart oval or rectangular baking dish. Cover baking dish with a sheet of greased or nonstick foil; store overnight in the refrigerator.
  4. While oven preheats to 375 degrees , use the bottom of a 1/3-cup measuring cup coated with cooking spray to make eight indentations in the polenta mixture. Bake, covered, for 35 minutes. Reduce oven temperature to 325 degrees F. Remove baking dish from oven; remove foil. Break one egg into a small dish. Carefully slide the egg into an indentation. Repeat with remaining eggs. Return to oven.
  5. Bake, uncovered, in the 325 degrees F oven for 25 minutes more or until the eggs are almost set. Let stand on wire rack 5 to 10 minutes (eggs will continue to cook). If you like, sprinkle with pepper and snipped cilantro and serve with hot pepper sauce.

Nutrition Facts:

Servings Per Recipe 8, Fat, total (g) 19, vit. C (mg) 2, cal. (kcal) 392, vit. A (IU) 714, iron (mg) 2, Riboflavin (mg) 0, sat. fat (g) 8, Thiamin (mg) 0, chol. (mg) 225, Monounsaturated fat (g) 5, Pyridoxine (Vit. B6) (mg) 0, carb. (g) 34, Niacin (mg) 2, Cobalamin (Vit. B12) (µg) 1, Trans fatty acid (g) 0, Folate (µg) 34, Polyunsaturated fat (g) 2, sodium (mg) 686, calcium (mg) 213, pro. (g) 20, Potassium (mg) 308, sugar (g) 4, fiber (g) 4

Click HERE for more information about the recipe.

The Pinteresting Five: Moody Blues

Chances are that you’re already using blue in your home’s color scheme since we live in coastal San Diego! But if you’re looking a trendy way to update your home, think dark and moody. Check out these rooms for a little inspiration!

All images via our Pinterest

99258b70fa097739d34ed99a220e0a02Home Tour | Mixing feminine + masculine — The Decorista: Blue bedroom wall - via Coco Lapine Design: Emily Henderson Golden Hive House Tour #home #styleCouleur de peinture 2015 - le bleu pétrole, le vert canard et le sarcelle fabuleuxTop Knobs TK883PC - Devon 3-3/4" (96mm) c.c. Brixton Cabinet Pull (Polished Chrome) - The Hardware HutMimic- lights, tile, colors, rug #kitchendesignely

Restaurant of the Moment: Searsucker

12995 El Camino Real Suite #121

San Diego, CA 92130

www.searsucker.com

Image result for searsucker san diego food

Searsucker has made a statement in the San Diego dining community. This restaurant is a social dining destination with coastal flare where the surf meets the turf in sunny Del Mar. Boasting a large outdoor patio, koi pond, fire pit, and sprawling back bar, Searsucker is the perfect place to gather with friends for happy hour, enjoy a weekend family brunch, or indulge in an intimate date night in the heart of North County. Our favorite dishes here have to be the Wonton Poke to start, then finishing strong with the Short Rib plate! Check this place out for a incredible dining experience!

Searsucker has two locations – Del Mar & Downtown.

January 2019 Real Estate Market in Review

January San Diego real estate market in review: As of January 2019, the median detached home in San Diego County sold for $647,500 up 6.1% from the previous year.

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As of  January 2019, the median attached home (including condos, townhomes, and twinhomes in San Diego County sold for $421,000, up 5.0% from last year.

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The average detached home in San Diego spent 34 days on the market.

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Condos, twinhomes, and townhomes in San Diego spent an average of 28 days on the market.

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As of January 2019, the average seller of a detached home in San Diego County receives 97.3% of the original list price at the close of the sale.

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As of January 2019, the owners of attached properties (condos, twinhomes, and townhomes) retained 98.0% of the original list price.

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The inventory of homes in San Diego County is still very low.

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The supply of attached properties is also quite low.

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Are you interested in seeing this breakdown for your San Diego community or zip-code? Let us know!