Mike: 858-722-6847 & Jessica: 858-722-3441

Award Winning Team of Michael & Jessica Wolf

For over a decade We’ve been blessed to live our passion as professional Realtors helping our clients buy, sell and invest in real estate. We co-founded The Wolf Real Estate Team in 2006. Together, it has been our commitment to support our clients with accurate information and knowledge that will help them make the best choices with their real estate investments. With over 500 families served and over $200 Million in closed assets under management we have the experience, attention to service, and work ethic that sets us apart as the premier real estate professionals in San Diego.



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Beautiful 2.65 Acre Property

25071 Adams, Murrieta, California, United States 92562

3Bedroom(s)
3Bathroom(s)
6Parking(s)
19Picture(s)
2,361Sqft
Beautiful 2.65 Acre Property w/ loads of opportunity for development potential. Currently Large Victorian Style home w/ separate 700sqft Granny Flat in rear of lot. Main House is spacious, stone fireplace, big bonus room over garage. Spacious Master bedroom. Laundry room. Home recently remodeled. Current use is 2-4 unit/residential.
$1,695,000

2614 Kim Pl San Diego CA

California, United States

3Bedroom(s)
2Bathroom(s)
4Parking(s)
22Picture(s)
1,623Sqft
Gorgeous canyon rimmed Family home in Serra Mesa. Spacious kitchen, open floor plan, cozy fireplace, vaulted ceilings, skylights provide light & bright interiors. Updated bathrooms, large master suite, 250 ft.² bonus room perfect for kids, home office or guest quarters. Perfect size backyard overlooking the canyon. Newer hvac, owned solar panels. Lots of storage and attached 2 car garage.
$635,000

2495 Larkspur Dr

2495, Alpine, California, United States 91901

3Bedroom(s)
2Bathroom(s)
4Picture(s)
1,440Sqft
Rare Crown Hills Manufactured Home on Permanent Foundation (One of the few). This beautiful residence has been upgraded throughout; Remodeled kitchen with S/S appliances, Granite Counter tops & beautiful shaker cabinetry. Brilliant, newly installed flooring, updated bathrooms with marble vanity & tiled tub.
$429,000
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    first time homebuyer grants in san diego

    First-Time Homebuyer Programs in San Diego

    San Diego has some of the highest rent in the nation which is why you might be considering buying your first home! When you choose to pay for a mortgage instead of rent, you will no longer have to worry every year if your landlord is going to surprise you with a large rent increase. With a mortgage, you will have a consistent payment the entire time if you choose a fixed rate. Once it’s paid off, you won’t have any rent or mortgage to pay! San Diego is filled with first-time homebuyers who aren’t aware of all of the programs available to them through the city of San Diego and through the government. Purchasing your first home might be more within your reach than you thought. Read through the different first-time homebuyer programs in San Diego and then give the Wolf Real Estate Team a call today to find your dream home in San Diego!

    Down Payment and Closing Cost Assistance in San Diego

    first time homebuyer grants in san diego

    First-time homebuyers with low income may qualify for deferred payment loans for up to 17% of the price of the property to pay for the down payment. You can also qualify for a deferred payment loan for up to 4% or $10,000 of closing costs. To be eligible for this amazing program in San Diego, the purchase price of your home must not exceed $437,000. In addition, this must be your primary residence. Other requirements include income requirements. Your income must not exceed 80% of the San Diego Area Median Income (AMI). You can check if you’re eligible here. In addition, you must be able to contribute a minimum of 3% of the purchase price to the sale. You must also have not owned a home in the past 3 years.

    This program only applies to the cities that are unincorporated in San Diego. Cities include Coronado, Carlsbad, Encinitas, Del Mar, La Mesa, Imperial Beach, Poway, Lemon Grove, Santee, San Marcos, Vista, or Solana Beach. Lastly, you don’t need to make payments on the loan until you have paid off your mortgage, sell the house, or no longer live there. The loan must be repaid in one payment that equals any accrued interest plus the original principal loan amount.

    >Learn More

    Homeownership Grant Program in San Diego

    This grant also applies to San Diego residents whose family income does not exceed 80% of San Diego’s median income. The homeownership grant helps residents with paying for their down payment as well as closing costs. This grant is forgiven at the close of escrow and must be used with the SDHC Deferred Loan Program. The homeownership grant gives you up to 4% of the purchase price, or appraised value, depending on which is less.

    >Learn More

    Mortgage Credit Certificate

    Homeowners can qualify for a federal income tax credit of 20% of their mortgage’s annual interest paid. Qualified homebuyers should have income that does not exceed 140% of the AMI. This tax credit is a dollar-for-dollar reduction in that homeowner’s federal tax liability. This tax liability increases the household’s income that helps them qualify for their mortgage loan make their monthly payments. If a homebuyer sells their new home within 9 years, they may need to pay a recapture tax. Find out more about the mortgage credit certificate and if it can help you purchase your first home.

    >Learn More

    Other First-Time Homebuyer Information

    FHA Loan

    Thanks to the Federal Housing Administration, you can qualify for an FHA loan that gives you competitive interest rates, lower closing costs and a down payment as small as 3.5% with a credit score of 580 or higher. This allows you to purchase a house without a huge 20% down payment that can take years to save for, especially in San Diego. Talk to a lender to find out how much you can afford to buy and then calculate what a 3.5% down payment for that will be.

    >Learn More

    VA Loan

    VA Loan

    If you or your spouse is an active-duty military member, a veteran or a surviving spouse, you qualify for this loan. A VA loan comes with a competitive interest rate and you don’t need to put down a down payment. You also don’t need to pay for a private mortgage insurance or have a minimum credit score to be eligible.

    >Learn More

    Good Neighbor Next Door

    good neighbor next door

    Sponsored by the HUD, the Good Neighbor Next Door program provides housing aid to firefighters, law enforcement officers, emergency medical techs, and even teachers from pre-k to kindergarten. The program can allow you to receive as much as a 50% discount if you live in a “revitalization area.” You have to commit to living in the home for at least 36 months.

    >Learn More

    Fannie Mae or Freddie Mac

    Freddie Mac or Fannie Mae loans are government-sponsored entities used through local lenders to offer different mortgage options to benefit low to moderate-income families. They offer competitive interest rates as well as down payments as low as 3%.

    >Learn More

    FHA Section 203(k)

    FHA Loan

    If you’ve got your heart set on buying a fixer-upper, this is the loan for you! This program allows you to make improvements on your property by giving you the funds you need to do so. You can make a down payment as low as 3% with this program.

    >Learn More

    Energy-Efficient Mortgage (EEM)

    EEM loan

    This energy efficient or green mortgage can help you make improvements to your home to make it environmentally friendly. EEM loans are supported by the federal government and are insured with VA or FHA programs. This loan allows you to borrow more money with a smaller down payment so you can make those upgrades in your home like adding double-paned windows, modern cooling or heating systems or even new insulation. If you’re planning on upgrading your home to make it eco-friendlier anyways, you should consider the EEM loan. This will actually save you in the long-run with energy costs!

    >Learn More

    Ready to Buy Your First Home Now?

    Now that you know all about the different first-time homebuyer programs in San Diego, find one that you qualify for! Once you get the approval, the Wolf Real Estate Team is here to help you find a dream home that works with your program. Give us a call or fill out our online form and we will be in contact with you soon.

    Big Kitchen Cafe

    Top 10 Restaurants in South Park San Diego

    The Wolf Real Estate Team is native to South Park San Diego, which is why we’re an ideal team to help you choose a home to buy in South Park. Buying a home in South Park is so much more than just finding a home you love, you must also fall in love with the neighborhood. One of the top reasons people choose to move to South Park is for all of the neighborhood amenities like some of San Diego’s top restaurants. Learn more about this neighborhood amenity to find out if South Park is the right choice for you.

    1. Buona Forchetta

    Buona Forchetta

    Known for their pizza in a jar, Buona Forchetta is your go-to destination for authentic Italian food. The restaurant is run by Italian immigrants themselves. All of the pasta, pizza, and dishes are homemade, giving you a fresh taste from Italy. Stop by to enjoy the intimate and cozy atmosphere and to fill your stomach with pasta.

    2. Kindred

    A post shared by KINDRED (@barkindred) on


    One of San Diego’s few vegan restaurants, Kindred offers you an eating out experience that doesn’t leave you feeling terrible afterward. If you’re considering going down the vegan route or are interested in trying vegan food for the first time, Kindred is a smart spot to try. If vegan food isn’t for you, they also have a full bar with lots of tasty drinks.

    3. Piacere Mio


    Craving authentic Italian food? Head over to Piacere Mio on the corner of Fir St. and Grape St. Piacere Mio is a small and cozy Italian restaurant that will warm your heart with wine and fresh Italian food. From traditional Italian food and amazing wine to the large seafood menu, you can enjoy brunch, lunch or dinner here every day. They take reservations, so you can plan ahead of time.

    4. Station Tavern & Burgers

    Station Tavern

    Located at what used to be South Park’s old trolley line from 1929-1948, Station Tavern & Burgers holds a piece of San Diego history to accompany you with your burgers and beer. This dog-friendly restaurant is the perfect spot to grab lunch before going to the South Park dog park. Station Tavern & Burgers offers a wide menu of burgers, tater tots and craft beer to choose from.

    5. La Taqueria Vegiee SD

    Restaurants in South Park San Diego are not short of vegan restaurants. Although this is a food truck, La Taqueria Vegiee SD has vegan versions of all of your favorite tacos. Loaded with veggies, you wouldn’t even expect tacos to be so delicious and healthy without meat. This food truck resides in the Target parking lot at the corner of Grape St. and Fern St.

    6. Big Kitchen Cafe

    Big Kitchen Cafe

    Open for breakfast and lunch every day, Big Kitchen Cafe is the perfect spot to grab a fresh breakfast and lunch in South Park. All of the food is fresh and all baked goods are made daily to give you some great tasting food. Although it’s a small location with a hole-in-the-wall feel, Big Kitchen Cafe is the perfect spot to enjoy a cozy breakfast and lunch.

    7. Mazara Trattoria

    A post shared by @mazaratrattoria on


    As your third option for Italian food in South Park San Diego, Mazara Trattoria is a family-run business that has been around for over 30 years. Their menu ranges from pasta, pizza, calzones to salad and more. They also have a wide selection of craft beers and wines. Whether you want to dine in or enjoy a free delivery to your home, Mazara Trattoria offers a family vibe and delicious food.

    8. Eclipse Chocolate Bar & Bistro


    If you care about dessert just as much as you care about your meal, Eclipse Chocolate Bar & Bistro is the perfect spot for you. Head over for breakfast, brunch, lunch, and dinner and enjoy a wide menu of your favorite breakfast items, paninis, soup, and salads. If your sweet tooth is your main concern, choose from a variety of dessert options as well as hot cocoas. Hate waiting for a table? You can make a reservation at this South Park restaurant. Stop by for a decadent experience.

    9. The Rose

    A post shared by The Rose (@therosesouthpark) on


    The Rose is the perfect restaurant in South Park for any wine lover. With a huge wine list to choose from, you can pair your favorite wine with your favorite brunch plate, or stop by after brunch to enjoy with an appetizer, flatbread, or meat and cheese plate. If wine isn’t for you, there are also several beers and other drinks to choose from.

    10. Mariscos Nine Seas Seafood

    Mariscos Nine Seas Seafood

    Who knew South Park San Diego was home to so many popular food trucks? Mariscos Nine Seas Seafood offers a budget-friendly delicious Mexican food experience. In the same parking lot as La Taqueria Vegiee SD, Mariscos Nine Seas Seafood offers a variety of fresh fish tacos and tostadas to choose from! With raving reviews about the food quality, large portion sizes and cheap prices, Mariscos Nine Seas Seafood is a must-go-to stop in South Park if you enjoy Mexican seafood.

    Thinking of Moving to South Park San Diego?

    The Wolf Real Estate Team are natives of South Park San Diego. If you’re interested in moving to South Park, get into contact with us. We will end up as one of your neighbors, so who better to show you the neighborhood than a potential neighbor? One of the highlights of living in South Park is the large variety of amenities in the neighborhood. From boutique shops to the variety of restaurants, there’s always something to do in South Park. If you’re interested in the neighborhood, browse some of the houses for sale in South Park to see if any stand out for you. Whether you want to sell your home, buy a new one, or have questions about San Diego real estate, we are here to help you. Give us a call at 858-722-6847 or fill out our online form to get in contact with us.

    Michael and Jessica Wolf - Agent with Ascent Real Estate