Home Buying in San Diego>Question Details

Pamela, Home Buyer in Goodyear, AZ

I would like to buy something in San Diego. I have quite a few questions and need a realtor. Pamela

Asked by Pamela, Goodyear, AZ Thu Oct 14, 2010

I have a 19 yr old daughter who has had medical problems and I have high medical bills. I am very serious about wanting to buy something. I like the Shelter Island Area and Point Loma, but know that it is also a pricier area. Are there any no qualify properties or easy to get into properties?

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Answers

34
Pamela, You should look into getting a grant to assist with the purchase of the home in San Diego.
San Diego Housing Grants sdhg.org is a good place to start!
Best of Luck!!!
Web Reference: http://www.sdhg.org
1 vote Thank Flag Link Tue Oct 19, 2010
Pamela,

Please contact a lender to see if you can qualify for a mortgage with your current circumstances and income. Things have changed and the old days of easy qualify loans are gone and there are few seller carry backs on the market. You might be able to find a lease with an option to purchase.

You might also look at Ocean Beach which tends to be slightly less expensive depending on location.

I work with a lender Mark Robertson with Samuel Scott Financial. You may want to give him a ring and tell him your situation, he should be able to help you determine if there is a loan available for you. His phone number is (858) 401-9353.

In regards to your other questions for a real estate agent call anyone that has answered your questions or get a reference from family and friends. But to save everyone some time I would check to see if a loan is even possible.

I have included a link to my blog regarding the changes in the FHA loan program which would maybe work for you depending on credit scores and income.
1 vote Thank Flag Link Thu Oct 14, 2010
Go to http://www.bcre.com to see everything listed on the market for sale in San Diego County.

Thanks, Scott
Web Reference: http://www.bcre.com
0 votes Thank Flag Link Fri Oct 22, 2010
What is the price range of your purchase? I do know that many people coming into San Diego do get a little shocked when the see how really pricey certain areas of San Diego area.
0 votes Thank Flag Link Sat Oct 16, 2010
Hi Pamela,

Do you have a partner that might help with the qualifying? You may call me at (619)265-8886. Did you check out my web site?

Marc Myers
0 votes Thank Flag Link Fri Oct 15, 2010
Has anybody heard from Pamela, or did 30 replies in 2 days scare her away? :-)
0 votes Thank Flag Link Fri Oct 15, 2010
Hello Pamela,

Wow, I'm your thirtieth response. My chances you select me are not good by just looking at the numbers. I was born and raised here in San Diego and I been a full time Realtor for the previous twenty two years with the same company, Century 21 Award.
Please go to my web site MarcusMyers.com and check me out. I currently have three listings ranging in price from $74,000 to $560,000. Or you may call me at (619)265-8886.

Thank you,
Marcus Myers
0 votes Thank Flag Link Fri Oct 15, 2010
Hello Pamela, as you can see you have many options to choose from. I work for Weichert Realtor Elite i San Diego we are a full service brokerage, therefore we offer home mortgages. You can go to http://www.mirandloans.com and fill out the application on-line. Once we know how much home you can buy you can start your search on your own at http://www.DsalazarRealtor.com or I can do it for you. And you are right Point Loma and Shelter Island are pricier. Good luck
0 votes Thank Flag Link Fri Oct 15, 2010
Hello Pamela,
After you speak with the lender of choice and get pre qualified.... pls check my website to search properties. There are many great deals to be had....so many Bank owned properties on the market, this is definitely a buyer's market... Call me with any questions. It is all about finding the right home and negotiations skills.
Jaz Cook
619 985 9058
http://www.JazCook.com
Web Reference: http://www.JazCook.com
0 votes Thank Flag Link Thu Oct 14, 2010
You will need to get Pre-Approved for a loan before you can start shopping for a house.
Go to http://www.E-Approval.com and get one for free.
Web Reference: http://www.e-approval.com
0 votes Thank Flag Link Thu Oct 14, 2010
Pamela,
I think you got the idea already that you will need to speak with a lender. Before you do that, you might just check out a mortgage calculator to get a rough idea of what you will find affordable. Here is one at my website:

http://www.adampascu.com/mortgage.shtml

this will just calculate your mortgage payments (principal & interest). Then you need to add in 1.1% of home price for property taxes every year and divide by 12 to get your monthly payments. Finally, add about $50/month for insurance if you are purchasing a home, or $250/month for Home Owner Assoc fees if purchasing a condo.

You can then search the MLS at my website: http://www.adampascu.com/mls

there is a map search option that you can use to check out the prices in different areas.

While there is no substitute for speaking with a lender & Realtor, following these simple steps on your own, may provide you a little more guidance when you do call a Realtor or lender.

I'm available any time and my info is below...

Adam Pascu
Keller Williams Realty
858-761-1707
0 votes Thank Flag Link Thu Oct 14, 2010
Pamela, if you have not lived in San Diego before, it is better for you to consider costs of living. Making a budget and talking to you lender are essential to know you financial position. You need a pre-approval letter from you lender to make an offer anyways, so you better get prepared, in case you find a home you love and can afford. There are other ares of San Diego that are as beautiful as Shelter island and Point Loma.
Sincerely,

Iryna

858-204-7205
0 votes Thank Flag Link Thu Oct 14, 2010
Pamela,

Once you are pre-qualified and know your purchase price limits, have a REALTOR search the areas for price matches to give you a better sense of what is available. There are several wonderful areas all over San Diego County. Generally the closer to the coast the more expensive. You may want to consider the proximity to the proper medical facilities for your daughter as well, have you looked into that yet? I just recently helped a family relocate from Goodyear, AZ and they found a great home in the San Diego North County Inland area and are very happy.

If you need assistance glance through the Trulia agent profiles and interview a few agents.

Kind Regards,

Marcie Sands, REALTOR
Simply The Best Real Estate Co.,
760-644-1562
0 votes Thank Flag Link Thu Oct 14, 2010
Point Loma is were we live and work, and we would be happy to introduce you to the area. My husband Scott and I work as a team to help you with your financing and the purchase.

Please visit my website - http://www.PointLoma.me - to learn more about us.

Pam & Scott Wenhe
Wenhe Mortgage and Realty
866-476-2494
0 votes Thank Flag Link Thu Oct 14, 2010
Hi Pamela, just out of curiosity, what do you mean by no-qualify properties or easy to get into properties?


From reading below, Jeffrey Douglass was right- first step is to contact a lender and see what type of financing will work for you and what would be a comfortable payment. After you have the information, second step would be to do a consultation (free) with an agent, like me, to explore your wants & needs for a home for you and your daughter. During the consultation, we can actually go online and search the MLS for properties that fit your price range and what exactly you are looking for in a home. Then you can get an idea if there are any properties out there right now that would fit you what you need. I'm happy to help!


Aubree Kerrouch
858.829.1957
http://www.aubreekerrouch.com
0 votes Thank Flag Link Thu Oct 14, 2010
Prior to looking at properties, you should really contact a lender. so you know exactly what you qualify for price wise. This will also tell you about down payment and payments. Rules have changed especially with FHA. As for agents, there is no shortage of them here. FInd one you are comfortabel with and can relate to. It doesnt matter where their office is.
0 votes Thank Flag Link Thu Oct 14, 2010
Hello Pamela, I work in the Point Loma/Ocean Beach office for Coldwell Banker and would be more than happy to have you interview me for your Buyer's Agent.

Bianca Romani
bromani@coldwellbanker.com
0 votes Thank Flag Link Thu Oct 14, 2010
Hi Pamela,

I live in the Shelter Island area of Point Loma and have helped folks buy and sell there since 1997. If it turns out that another area suits you better, I am well versed in most areas of coastal San Diego and feel confident I can help you. If you would like my help, please call.

Patti Adams
619-887-9313
dre#01229068
0 votes Thank Flag Link Thu Oct 14, 2010
Good Afternoon Pamela,

I work in the Coldwell Banker office in POINT LOMA, off of Shelter Island Drive. Please feel free to call me and we can discuss in detail what you are looking for as well as what opportunities you may qualify for. I would love to help you.

Warmest,
Ashley Shapiro
619-733-1301
0 votes Thank Flag Link Thu Oct 14, 2010
Sorry, I just realized that I left a digit out: (619) 519-3251

Best wishes,
Krista
0 votes Thank Flag Link Thu Oct 14, 2010
You won't have a short list of people to help you in San Diego, many many great agents and lenders. Including myself :-) Here to help
0 votes Thank Flag Link Thu Oct 14, 2010
Have you considered the Bay Park area? It is about 5 minutes away from Point Loma and has fabulous water views! The prices are a lot more reasonable, and it is a very nice area just like Point Loma. Give me a call or visit me online, I would love to help!

Ryan J. Stein
619-917-1679
http://www.ryanjstein.com
Web Reference: http://www.ryanjstein.com
0 votes Thank Flag Link Thu Oct 14, 2010
Pamela,

All conventional mortgages are full documentation these days. However, There are FHA and CalFHA loan programs that helpp 1st time home buyers or buyers who have not owned a home in the last 3 years to purchase a home with as little as 3% down.

call me to discuss more.

Regards,

Patrick
858-705-4585
0 votes Thank Flag Link Thu Oct 14, 2010
Hi Pamela,

You will have many agents to choose from but my office is in Point Loma and yes Point Loma my be more expensive than others but there are still some really good deals out there. I am available to answer any questions you might have at 858-518-1236 or vcrudo@ascentrealestate.net
Web Reference: http://www.housingSD.com
0 votes Thank Flag Link Thu Oct 14, 2010
Pamela,
Before you start looking at properties, I suggest you contact a lender. It is very important to know exactly what you qualify to buy before you start your search. You need to know what your down-payment will be and what the monthly payments will look like before you know what price point to look in.

There are many great loan products out there right now and the interest rates are at record lows. Now is the time to buy so you are smart to be heading in that direction.

Feel free to contact me and I can put you in touch with a lender.
Kristina Leyva
0 votes Thank Flag Link Thu Oct 14, 2010
You might want to look at Home Path properties. You are going to have to qualify to get into any home, however homepath costs less to get into and has some great incentives right at the moment. You will need to qualify.

Call me if I can help,
et me know if I can help you in any way,
Joan Wilson, Prudential California Realty
Direct: 760-757-3468
800-975-7481 x 111
JoanWilson@prusd.com

Find Your Dream Home:
http://JoanWilson.PrudentialCal.com
0 votes Thank Flag Link Thu Oct 14, 2010
HI PAMELA,

I AM A BUYERS SPECIALISTWITH KELLER WILLIAMS , I ONLY WORK WITH PEOPLE BUYING HOMES. I WAS BORN AND RAISED IN SAN DIEGO AND HAVE A CLIENT IN ESCROW ON A PROPERTY IN POINT LOMA. FEEL FREE TO CONTACT ME DIRECTLY OR CHECK OUT MY WEBSITE

http://buymyhomesd.yourkwagent.com/

LOOK FOWARD TO HEARING FROM YOU. 619-247-1779
0 votes Thank Flag Link Thu Oct 14, 2010
Pamela,
My partner and I do a lot of work in the Point Loma area and have clients with homes in the area. There are quite a few Bank Owned Properties. I would love the opportunity to help you in your search for a home in that area or other communities. Feel free to browse our website or give me a call. Have a great day! I look forward to hearing from you.

Tony Francoeur
Realtor
Coldwell Banker Residential Brokerage - La Jolla
858-688-1177
Web Reference: http://www.katieandtony.com
0 votes Thank Flag Link Thu Oct 14, 2010
Pamela,
My partner and I do a lot of work in the Point Loma area and have clients with homes in the area. There are quite a few Bank Owned Properties. I would love the opportunity to help you in your search for a home in that area or other communities. Feel free to browse our website or give me a call. Have a great day! I look forward to hearing from you.

Tony Francoeur
Realtor
Coldwell Banker Residential Brokerage - La Jolla
858-688-1177
Web Reference: http://www.katieandtony.com
0 votes Thank Flag Link Thu Oct 14, 2010
I'd love to help you and your daughter find a home that makes you both feel better.

Jeff Larabee
jeff@jefflarabee.com
619-840-6280
Web Reference: http://www.jefflarabee.com
0 votes Thank Flag Link Thu Oct 14, 2010
Pamela,

Why don't you give me an email or a quick call and we can discuss your situation specifically a little further. this will help us find you the right property.

Billy
Billy.Colestock@gmail.com
619-787-4066
0 votes Thank Flag Link Thu Oct 14, 2010
Hi,

Give me a call and we can discuss your situation further. I'd be happy to help. I specialize in foreclosure and distress properties.

Roger 619-254-0466
0 votes Thank Flag Link Thu Oct 14, 2010
Pamela,

There are allot of great agents to chose from on this site.

I have several questions for you also.

You can give me a call anytime within your convenience.

619-Three92-122Two

Nick
Web Reference: http://www.SearchSDMLS.com
0 votes Thank Flag Link Thu Oct 14, 2010
Give me a call - that's a long answer. My team would be happy to get you a dream home - (619) 59-3251

Krista
0 votes Thank Flag Link Thu Oct 14, 2010
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