Home Buying in San Diego : Advice

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Carol Donate…, Real Estate Pro in Colts Neck, NJ
Carol Donatelli,CRS answered:
Do contingency offers make it more difficult to buy a home?
Contingencies offers are common,mortgage being the most common.
0 votes Share Flag Sun Jan 25, 2015 Home Buying in La Jolla
Omar Khamisa, Real Estate Pro in Stockton, CA
Omar Khamisa answered:
Hi We are considering a home near the intersection of Black Mountain Road and 56. Do you know where I can get information on the demographics? thank
HI Saadia

you can find on the website http://www.city-data.com


good luck

Omar Khamisa
NMLS 369325
510-648-5535
0 votes Share Flag Fri Jan 23, 2015 Home Buying in Rancho Penasquitos
Tina Lam, Real Estate Pro in San Jose, CA
Tina Lam answered:
No Age Restricted Mobile Home Parks? I have a 30year old son?
Yes, there are some of those around.

Why?
0 votes Share Flag Fri Jan 23, 2015 Home Buying in San Diego
Jeff Hensel, Real Estate Pro in San Diego, CA
Jeff Hensel answered:
Can anyone recommend a good and experienced rehab loan officer? I'll be using a conventional purchase loan with a 20% down payment.
Good info on the 203k programs. Sounds like that is the way to go in this situation. Good luck.
1 vote Share Flag Mon Jan 19, 2015 Home Buying in San Diego
Jeff Hensel, Real Estate Pro in San Diego, CA
Jeff Hensel answered:
Is it possible to get loans on modular homes and raw land from traditional financing?
Great responses and information here. Traditional lenders typically will not do land loans and it will be even more difficult to get raw land loans. Might have better luck going with ha ... more
1 vote Share Flag Mon Jan 19, 2015 Home Buying in 92128
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
i lot my home at 2008 ,, now my credit no good .. can I buy the home with low credit ,, can I have second change ,, does Gov help ?
I specialize in helping people like you.

Rich Littlefield
Sophisticated Financial
SophisticatedFinancial@gmail.com
www.1stratecredit.com
Mortgages / Real Estate
9555 Warner Av. ... more
0 votes Share Flag Tue Jan 13, 2015 Home Buying in San Diego
AJ Paniagua, Real Estate Pro in San Diego, CA
AJ Paniagua answered:
We are trying to decide between buying a condo and a single family home. It seems like the HOA fees on condos are a ripoff. What do you think?
HOA mismanagement is a definite issue within some condo communities. It all depends on your comfort level and what you actually get with the monthly HOA fees (amenities, utilities maint ... more
0 votes Share Flag Sun Jan 11, 2015 Home Buying in San Diego
Michelle, Home Buyer in Indian River, MI
Michelle answered:
is it the responsibility of the seller to provide all HOA documents?
What recourse does one have if you request the by-laws prior to presenting an offer and they do not include the amendment? You put in an offer and are given another copy at closing ... more
0 votes Share Flag Thu Jan 8, 2015 Home Buying in 92126
Andrew Liebe…, Real Estate Pro in Sunrise, FL
Andrew Liebenhaut answered:
I am a first time home buyer. I am a teacher and wondering what discounts and deals might be available. I probably need some help with getting my
There is a program that I use that provides 10,000 towards your down payment and closing costs. It is a zero interest and zero payment loan that is only due when/if you sell the home. ... more
0 votes Share Flag Mon Jan 5, 2015 Home Buying in 92102
Noah Seidenb…, Real Estate Pro in 60202
Noah Seidenberg answered:
Controller Real estate pricing
I don't understand what your question is, if you can ask a specific question we are glad to help you.
0 votes Share Flag Fri Jan 2, 2015 Home Buying in 92130
John Arendsen, Real Estate Pro in Encinitas, CA
John Arendsen answered:
Looking to retire in the San Diego area with a budget of $350K, 2-3BRs. Close to hikes, beaches and not too far from the "downtown" area.
You may want to consider a Manufactured home close to the beach in North San Diego County. It's not a bad quality of life in this area.
0 votes Share Flag Thu Jan 1, 2015 Home Buying in San Diego
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
home loan question re: side business
If you claim the income on your taxes you are good. we average 2 years. There are loans that will take our bank statements as income, but they require 30% down.
Sophisticated Financia ... more
0 votes Share Flag Mon Dec 29, 2014 Home Buying in San Diego
jaguarsdc, Home Buyer in Plattsmouth, NE
jaguarsdc answered:
I'm a young surgeon in San Diego and am looking to purchase a home here. Does anyone know of physician loan programs for jumbo loans w/ min?
Are you kidding me? 1st your best bet is a the old 30 yr you know your payments and if you do lucky acquire a better income later and want to take it inside of helping others, just work ... more
0 votes Share Flag Mon Dec 22, 2014 Home Buying in San Diego
John Burke, Real Estate Pro in Austin, TX
John Burke answered:
Will I get a VA loan after a strategic default? I have good credit and it has been a little over two years. I have been told to reinstate my va
Hi Pattycakes,

Thank you for your service.

The good news is VA doesn't actually have guidelines specific to short sales so lenders will generally default the VA's foreclosure guid ... more
0 votes Share Flag Mon Dec 22, 2014 Home Buying in San Diego
Susie Kay, Real Estate Pro in Frisco, TX
Susie Kay answered:
Can I get a mortgage without ssn or itin in california?
You need to obtain foreign national loan. I see there are a few responses so go ahead and contact them.

Good luck!
0 votes Share Flag Fri Dec 19, 2014 Home Buying in San Diego
USMortgageRa…, Real Estate Pro in Austin, TX
USMortgageRanger answered:
can I get 100% finaincing in florida for physicians?
While you can still get financing on a new loan as a Dr. the 100% financing is no longer available. What i do have however is a 97% loan to value loan that may suite your needs and i wo ... more
0 votes Share Flag Thu Dec 18, 2014 Home Buying in 92130
Matt Albert, Real Estate Pro in Greensboro, NC
Matt Albert answered:
Physician mortgage loan in California??
Hi, my name is Matt Albert (NMLS# 658999) and I am a Doctor/ Physician Loan Specialist with Citizens Charter One Home Loans. I have been specifically working with physicians for over 12 ... more
0 votes Share Flag Thu Dec 18, 2014 Home Buying in San Diego
Matt Albert, Real Estate Pro in Greensboro, NC
Matt Albert answered:
Are there still any physician loans out there with no PMI/100% financing for O.D.s? Looking in the state of MI
Hi, my name is Matt Albert (NMLS# 658999) and I am a Doctor/ Physician Loan Specialist with Citizens Charter One Home Loans. I have been specifically working with physicians for over 12 ... more
0 votes Share Flag Thu Dec 18, 2014 Home Buying in 92130
Randy Tanner…, Real Estate Pro in Wellington, FL
Randy Tanner & Lindsey Racher answered:
Buying/selling without a realtor.
If this is something you are comfortable with then by all means. I would at least use an attorney though for legal purposes. You could also contact an agent just to help you with contra ... more
0 votes Share Flag Wed Dec 10, 2014 Home Buying in 92104
Maryanne Pis…, Real Estate Pro in 92040
Maryanne Pisano Jackson answered:
In Texas whos resposibility is to provide the propose buyer all HOA documents?
The seller needs to provide the buyer with all HOA docs, here in San Diego the docs are ordered during escrow by the escrow officer.
However, the charges are normally paid by the selle ... more
0 votes Share Flag Wed Nov 19, 2014 Home Buying in 92126
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