San Diego CA Mortgage Loan Facts
History of San Diego would be a consideration to purchasing a new home, or to refinancing for the long term. Home loan mortgages can range anywhere from a 5 year Arm-adjustable rate mortgage to a 30 year or 40 year fixed rate loan. You can now be a part of the future history of San Diego, CA.
History of San Diego, CA
Mission San Diego de AlcaláThe area of San Diego has long been inhabited by the Kumeyaay Indians. The first European to visit the region was Portuguese-born explorer Juan Rodríguez Cabrillo sailing under the Spanish Flag, who sailed his flagship San Salvador from Navidad, New Spain. In 1542, Cabrillo claimed the bay for the Spanish Empire and named the site San Miguel. In November of 1602, Sebastián Vizcaíno was sent to map the California coast. Arriving on his flagship San Diego, Vizcaíno surveyed the harbor and what are now Mission Bay and Point Loma and named the area for the Catholic Saint Didacus, a Spaniard more commonly known as San Diego. On November 12, 1602, the first Christian religious service of record in Alta California was conducted by Fray Antonio de la Ascensión, a member of Vizcaíno’s expedition, to celebrate the feast day of San Diego.
In 1769, Gaspar de Portolà established the Fort Presidio of San Diego overlooking Old Town. Around the same time, Mission San Diego de Alcalá was founded by Franciscan friars under Father Junípero Serra. By 1797, the mission boasted the largest native population in Alta California, with over 1,400 neophytes living in and around the mission proper. It is the southern end in California of the historic mission trail El Camino Real. After New Spain won its independence from the Spanish Empire in 1823, Mission San Diego de Alcalá’s fortunes declined in the 1830s after the decree of secularization was enacted, as was the case with all of the missions under the control of Mexico. However, it remains an active Catholic church and is a National Historic Landmark.
In 1847 San Diego was a destination of the 2,000-mile (3,200 km) march of the Mormon Battalion which built the city’s first courthouse with brick.
After the Battle of San Pasqual, the end of the Mexican-American War, and the gold rush of 1848, San Diego was designated the seat of the newly-established San Diego County and was incorporated as a city in 1850. The city charter was drafted in 1889. In the years before World War I, the Industrial Workers of the World labor union conducted a free speech fight in San Diego, arousing a brutal response.
Significant U.S. Naval presence began in 1907 with the establishment of the Navy Coaling Station, which gave further impetus to the development of the town. San Diego hosted two World’s Fairs, the Panama-California Exposition in 1915, and the California Pacific International Exposition in 1935. Many of the Spanish/Baroque-style buildings in the city’s Balboa Park were built for these expositions, particularly the one in 1915. Intended to be temporary structures, most remained in continuous use until they progressively fell into disrepair. All were eventually rebuilt using castings of the original facades to faithfully retain the architectural style.
After World War II, the military played an increasing role in the local economy, but post-Cold War cutbacks took a heavy toll on the local defense and aerospace industries. The resulting downturn led San Diego leaders to seek to diversify the city’s economy, and San Diego has since become a major center of the emerging biotechnology industry.[citation needed] It is also home to telecommunications giant Qualcomm.
In 2003, San Diego was the site of the Cedar Fire, which has been called the largest wildfire in California over the past century. In addition to damage caused by the fire, smoke from the fire resulted in a significant increase in emergency room visits due to asthma, respiratory problems, eye irritation, and smoke inhalation. This caused San Diego County schools to close for a week(s) due to the smoke of the wildfire. When refinancing or making a new San Diego Ca Mortgage purchase loan you may want to take into consideration the type of hazard insurance you will need based on where you live within san Diego, CA.
Geography
Beaches in San Diego and Parks in San Diego
The San Diego-Tijuana metropolitan area.The city of San Diego, CA itself has deep canyons and hills separating its mesas, creating small pockets of natural parkland scattered throughout the city and thus giving it a hilly geography. The same canyons give parts of the city a highly segmented feel, creating literal gaps between otherwise proximal neighborhoods and contributing to a low-density, car-centered built environment. Downtown San Diego is located on San Diego Bay. Balboa Park lies on a mesa to the northeast. It is surrounded by several dense urban communities and abruptly ends in Hillcrest to the north. The Coronado and Point Loma peninsulas separate San Diego Bay from the ocean. Ocean Beach is on the west side of Point Loma. Mission Beach and Pacific Beach lie between the ocean and Mission Bay, a man-made aquatic park. La Jolla, an affluent community, lies north of Pacific Beach and west of Mira Mesa. The Cuyamaca Mountains and Laguna Mountains rise to the east of the city, and beyond the mountains are desert areas. Cleveland National Forest is a half-hour drive from downtown San Diego. Numerous farms are found in the valleys northeast and southeast of the city. San Diego County has one of the highest counts of animal and plant species that appear on the endangered species list among counties in the United States.[8]
Climate
San Diego has a Mediterranean to Semi-arid (Csa) climate when classified using the Koppen climate classification system, which is characterized by warm, dry summers and mild winters with some rain. San Diego enjoys mild, mostly dry weather with an average of 201 days above 70 °F (21 °C). Temperatures vary little throughout the year. Summer, also known as the dry period, lasts from May to October. Temperatures are mild to warm with average highs of 70–78°F (21–26°C) and lows of 55–66°F (13–19°C). Temperatures exceed 90 °F (32 °C) only four days a year. Winter, also known as the rainy period, lasts from November to April. Temperatures are mild and somewhat rainy with average high temperatures of 66–70°F (19–21°C) and lows of 50–56°F (10–13°C).
The climate in the San Diego area, like the rest of California, often varies dramatically over short geographical distances. This phenomenon is known as microclimate. In San Diego’s case this is mainly due to the city’s topography (the Bay, and the numerous hills, mountains, and canyons). Frequently, particularly during the “May gray/June gloom” period, a thick “marine layer” cloud cover will keep the air cool and damp within a few miles of the coast, but will yield to bright cloudless sunshine approximately 5–10 miles (8.0–16 km) inland. This happens every year in May and June.[11] Even in the absence of June gloom, inland areas tend to experience much more significant temperature variations than coastal areas, where the ocean serves as a moderating influence. Thus, for example, downtown San Diego averages January lows of 50°F and August highs of 78°F. The city of El Cajon, just 10 miles northeast of downtown San Diego, averages January lows of 42°F and August highs of 88°F.[12][13]
Rainfall along the coast averages about 10 inches (250 mm) of precipitation annually, which occurs mainly during the cooler months of December through April. Though there are few wet days per month during the rainy period, rainfall can be heavy when it does fall. However, the rainfall is greater in the higher elevations of San Diego. Some of the higher areas of San Diego can get up to 11–13 inches (280–330 mm) of rain a year.
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