Chula Vista : Advice

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Tyler Brown, Real Estate Pro in Cardiff-by-the-Sea, CA
Tyler Brown answered:
can I consolidate my credit cards with the mortgage?
I do not believe so. You will need a down payment and reserves. The credit card debt may not disable the ability ro obtain a loan. But, a bank will not allow you to
0 votes Share Flag Wed Oct 20, 2010 Home Buying in Chula Vista
Celia Butler, Real Estate Pro in Chandler, AZ
Celia Butler answered:
What type of documentation do I need to prove I live in my FHA condo. I want to apply for the tax credit what will they be asking for.
I believe that the tax credit only requires that you have the entire settlement package that you should have received when you closed on your new home. The one, most important document ... more
0 votes Share Flag Wed Oct 20, 2010 Home Buying in 91911
Luis Ramos, Real Estate Pro in 91910
Luis Ramos answered:
How long does it take to pay a mello roos in chula vista 91913. House was built in 2003.
20-25 years after the home is built. you can always check with the san diego county tax collector to check what the remaining balance is on your mello-roos. we're starting to see ... more
0 votes Share Flag Tue Jun 3, 2014 In My Neighborhood in 91913
Lori Jeltema, Real Estate Pro in Newport News, VA
Lori Jeltema answered:
Hello, I sent an email on August 25, in regards to a home in Eastlake, but I haven't got a response. I wanted to know if the hm was still
Claudia,

Did you reference the address? Who are you sending the emails to?
0 votes Share Flag Mon Sep 27, 2010 Rentals in 91915
Luis Ramos, Real Estate Pro in 91910
Luis Ramos answered:
is it wise to waive an appraisal contingency?
It depends on the house you're purchasing. Is it priced well or is it overpriced? Has your agent done a market analysis on the home to pinpoint what it is worth in today's m ... more
0 votes Share Flag Fri Sep 17, 2010 Home Buying in Otay Ranch Village
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Can I do cash advance on my credit cards so I can purchase a house? I only have 50K and I want to buy a small condo of 100K.
Not if you plan on financing the remainder. You cannot borrow money to use as down payment. If you are actually asking if you can get a cash advance on your credit card to "pay cas ... more
0 votes Share Flag Wed Aug 17, 2011 Home Buying in Chula Vista
Maggie Hawk, Real Estate Pro in New Smyrna Beach, FL
Maggie Hawk answered:
My landlord filed bankruptcy before we moved in, and was closed 5 months later. We had no idea, and rcvd a notice of trustee sale months after that,
Angie,

The best advice anyone can give you is to consult with an attorney. You need to know your rights. Good luck.

Warm regards,
Maggie Hawk, REALTOR
(386) 314-1149
Watson R ... more
0 votes Share Flag Sat Sep 8, 2012 Foreclosure in 91911
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
We are relocating to Chula Vista from out of state and would like to rent a home.We have submitted several requests to view a home and have yet to
Trulia posts listings and is not involved with any appointment schedulings, agents are. In your case, any local agent can help you--contact any realty office(s) and inquire, or contact ... more
0 votes Share Flag Mon Oct 11, 2010 Rentals in Chula Vista
Sarah Davis, Real Estate Pro in 92064
Sarah Davis answered:
hi im looking to rent in chula vista ca, we are looking for a single family home 2/3 bed and from $1000-1400/mo do u have any listigs in the area
It's tough to find a single family home with at least 2 bed for that price, yet they do come up from time to time. I can tell you more about a 3 bedroom, 3 bath in Chula Vista for ... more
0 votes Share Flag Mon Oct 11, 2010 Rentals in 91911
Joan Wilson, Real Estate Pro in San Diego, CA
Joan Wilson answered:
I was ready to close escrow and the seller canceled the short sale. then she decided to continue with the transaction it's posible to continue.
Boy...so many things need to be checked first, but yes it is possible.

Good luck,
Joan Wilson
Joan Wilson (Realtor, SRES, Ecobroker)


California Cool 4 Sale
Prudential Calif ... more
0 votes Share Flag Wed Apr 27, 2011 Home Buying in 91911
Dianne Hicks, Real Estate Pro in Temecula, CA
Dianne Hicks answered:
If I stop my mortgage for 3 months, What are the chances of refinancing or modifying my loan if I do have equity in my house?
Rebe
Why not call the bank before you stop and see what they can work out for you. I know it is a shame that many do not work with you until you are behind but it is worth a try. That ... more
0 votes Share Flag Thu Jan 17, 2013 Financing in 91914
Patrick Hale, Real Estate Pro in San Diego, CA
Patrick Hale answered:
How is mello roos calculated in Otay Ranch? Why do they vary so much from unit to unit?
Mellos roos is an excess tax, generally in a developing community. The fees depend on the bonds which the communities have allocated to schools, parks, fire stations, etc. Areas that pr ... more
0 votes Share Flag Sat Sep 8, 2012 Home Buying in Otay Ranch
Mary L Taylor, Real Estate Pro in 93534
Mary L Taylor answered:
My husband has a foreclosure on his credit for a home in arizona 2009. My name is not on the mortgage loan. Will I qualify easily for a loan and have?
If you were not on the title, then you may be able to qualify to purchase a home under your name alone. You need to talk to a lender to see what type of loan would be the best for you.
0 votes Share Flag Mon Oct 11, 2010 Home Buying in Chula Vista
Dan Chase, Home Buyer in Texas City, TX
Dan Chase answered:
we are looking to buy a second home in Chula Vista CA. We are not ready to move yet therefore we want to rent it for the next 2-3 years . my budget
Since you will want to rent this property you need to make sure you can rent it for MORE than the cost of insurance, taxes, and mortgage. You also need to cover maintenance costs that w ... more
0 votes Share Flag Sun Oct 10, 2010 Foreclosure in Chula Vista
Nick Ruiz, Real Estate Pro in San Diego, CA
Nick Ruiz answered:
how many co signers can i have to buy a home with fha loan?
I myself have never seen more than 2 borrowers on an FHA loan. Good thing is they will allow a co-signer that does not live on the property with you.

If you would like I can set you ... more
0 votes Share Flag Thu Aug 12, 2010 Home Buying in Chula Vista
John Stacy, Real Estate Pro in Chula Vista, CA
John Stacy answered:
We recently made an offer on a townhome that is priced at 137,500 and made an offer of 145,000 with 10% down... My main concern is if we made a right
Hi Monica,

Congratulations on getting an acceptance! This is very normal Monica. Bank owned properties typically are sold "As Is" with no termite report . Some will prov ... more
0 votes Share Flag Mon Oct 11, 2010 Foreclosure in Chula Vista
Grace Morioka…, Real Estate Pro in Sunnyvale, CA
Grace Morioka (408-426-1616) answered:
what is the demographic of 91913 and what percentage of loans are subprime?
Hello Sigrid and thanks for your post.

Unfortunately, Realtors will be unable to answer your question for you here on Trulia. Realtors are admonished against ever providing informati ... more
0 votes Share Flag Thu Aug 12, 2010 General Area in 91913
Mark W. Mill…, Real Estate Pro in San Diego, CA
Mark W. Miller, Realtor answered:
How long does it take after the final bankrupcty hearing, before the paper work is filed and becomes public record?
Hello Beth,

Unfortunately there is no specific answer to your question. The recording date will be impacted by court schedule and caseload, resolution of any issues, and any possibl ... more
0 votes Share Flag Tue Jan 26, 2010 Home Buying in Chula Vista
Michelle Gon…, Real Estate Pro in Cerritos, CA
Michelle Gonzalez 562-572-5224 answered:
How can I know whether my Real Estate agen is acting in my best interest or not?
Your agent is right. There are multiple buyers looking right now and we are finding ourselves in multiple offer situations. Unless you are buying cash, you are swimming with a pool of b ... more
0 votes Share Flag Mon Mar 24, 2014 Home Buying in 91910
Maya Thomas…, Real Estate Pro in Key West, FL
Maya Thomas LLC CRS ABR answered:
My score is 558 I make about 55 grand, do I qualify to buy a home?
You may still have a chance. A buyer I am working with is in a similar position and his lender was able to get him a loan. This is my first time working with him so I can't recom ... more
0 votes Share Flag Sun Dec 27, 2009 Home Buying in Chula Vista
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