Home Buying in 92127 : Questions & Answers

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Christian Ga…, Real Estate Pro in San Diego, CA
Christian Gallego answered:
Commission for agent from buyer
Hi,

Typically a buyer does not pay commission to the buyer's agent; the seller, through an agreement with the listing agent, decides on a commission rate of the sales price, say 6%. ... more
1 vote Share Flag Wed Aug 13, 2014 Home Buying in 92127
Chad Basinger, Real Estate Pro in San Diego, CA
Chad Basinger answered:
is it a wise to buy homes in affordable housing community.?
Hello Nehab,

There are a lot of restrictions on who can buy in affordable housing communities, as well as what the sales price can be. Most affordable housing communities have a for ... more
0 votes Share Flag Mon Jun 16, 2014 Home Buying in 92127
Brad Neumann…, Real Estate Pro in Downers Grove, IL
Brad Neumann - NMLS 948036 answered:
Should we buy 5 yr old home in 4s Ranch or brand new in San Elijo. I work in Mission Valley, wondering if the commute will drive me crazy, thoughts??
You can't go wrong, any homes built within the last 5 years won't have the issues of an older home. I can help you find a good realtor and help you personally with securing a mortgage ... more
0 votes Share Flag Thu May 1, 2014 Home Buying in 92127
David R Inde…, Real Estate Pro in 92037
David R Indermill answered:
I want to buy a home. My wife owns a condo that is way under in her name. Do I have any options that will allow us to purchase another home?
Hi Pablo,

I have a large cash buyer network that might want to purchase your property and make it seamless for you.

Best Wishes,

David R. Indermill

Re/Max Hall Of Fame ... more
0 votes Share Flag Thu Mar 20, 2014 Home Buying in 92127
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
Home Mortgage for self employed veterinarian
Self-employed workers usually have trouble when it comes to obtaining a mortgage. Luckily, there are lenders like myself that offer specific loans that can help you out. There are state ... more
0 votes Share Flag Thu Nov 14, 2013 Home Buying in 92127
Alex Shadpour, Real Estate Pro in San Diego, CA
Alex Shadpour answered:
Is it common to find evidence of termites in ~10 year old homes in the San Diego area?
Yes. It is very common to have termite in a 10 years old or even newer homes. As I understand every time that I am there when the termite companies inspector show up for homes with an ... more
0 votes Share Flag Wed Jun 5, 2013 Home Buying in 92127
David Rudd, Real Estate Pro in San Diego, CA
David Rudd answered:
Realtor asked for our lender contact to discuss if our max limit for pre-approval factors in HoA and mello-roos fees. Not sure why though. Any ideas?
In short - lenders work with ratios. HOA and Mello-Roos effects those ratios. If your lender's approval amount is based on no additional housing fees other than mortgage, tax and insu ... more
0 votes Share Flag Sat May 4, 2013 Home Buying in 92127
David Rudd, Real Estate Pro in San Diego, CA
David Rudd answered:
how do you get the bank to pay closing cost on an REO?
Hi felix (and Trulia),

I agree with MOST of the information provided below. But as someone who used to be a bank executive, it's not as clear cut as some people and agents think.

... more
2 votes Share Flag Sat Feb 16, 2013 Home Buying in 92127
Jerry Heard, Real Estate Pro in San Diego County, CA
Jerry Heard answered:
What is your CURRENT take on Santaluz home values? Many of the comments I find are more than 2 years old. Also see my question on HOAs below.
Santa Luz is an outstanding community. So in return for the guards at the gates, upkeep of the common areas a HOA fee of $450/month is not out of line. Many condominium projects have fe ... more
0 votes Share Flag Fri Jun 3, 2011 Home Buying in 92127
Derek Rotzin…, Real Estate Pro in San Diego, CA
Derek Rotzinger answered:
My fiancee owns a condo and we were wondering how that will effect our ability to to buy a house if we are going to rent the condo?
All great answers. I like Brian Simantel's answer regarding how much equity is needed and obviously knowing how much income is actually valid is very important. I heard it was 30% ... more
0 votes Share Flag Thu Apr 7, 2011 Home Buying in 92127
B.C. Altman, Real Estate Pro in San Diego, CA
B.C. Altman answered:
Can anyone tell me--- What is the tax rate in Santa luz? And does this tax rate include Mello roos?
For Santaluz there are three types of property taxes you will want to know. The first one is Property tax the second one is Supplemental Property tax and the third is Mello Roos. Proper ... more
0 votes Share Flag Sun Nov 7, 2010 Home Buying in 92127
Patrick Hale, Real Estate Pro in San Diego, CA
Patrick Hale answered:
We might be moving to San Diego, CA and are planning to look for single family houses in the range of <$550K. Any recommendations for good?
I would recommend UTC (University City) or Carmel Valley. www.luxuryhomesofcarmelvalley.com

MY TEAM HAS OVER 100 PRE-LISTED FORECLOSURES AND WE ARE THE LISTING AGENT! - Please Email ... more
0 votes Share Flag Tue Sep 7, 2010 Home Buying in 92127
San-san Ward…, Real Estate Pro in 92009
San-san Wardojo answered:
Looking at Mirasol in 92127.........Any comments on this development?
Erica:
About Mello Roos: a special tax assessment to homeowners to help build new schools, road, parks, etc. This is for new communities only. You pay this with your property tax twic ... more
0 votes Share Flag Fri Jul 30, 2010 Home Buying in 92127
Chad Basinger, Real Estate Pro in San Diego, CA
Chad Basinger answered:
Which are the other areas besides Santa Luz that are as prestigious but not with high HOA or mello roos
Hello Sadrudin,

In the 92128 (Rancho Bernardo) zip code, you should definitely consider The Trails, a place where I have spent nearly 20 years of my life. Each property is on an acr ... more
0 votes Share Flag Tue May 11, 2010 Home Buying in 92127
Chad Basinger, Real Estate Pro in San Diego, CA
Chad Basinger answered:
any openion on Santaluz in San Diego?
There is no doubt that Santa Luz is a beautiful community, but you definitely pay for it in the way of high monthly fees (Mello Roos). There is a clubhouse that is top of the line and ... more
0 votes Share Flag Mon May 10, 2010 Home Buying in 92127
Alan Jenks, Other/Just Looking in 92127
Alan Jenks answered:
Which communty has a better value per spare foot, Santaluz proper or The Crosby...also important are kid
I think you will find very few people who would consider the Crosby community more upscale than Santaluz and the Santaluz Club is a much more well rounded club, stronger financial backi ... more
0 votes Share Flag Mon Feb 8, 2010 Home Buying in 92127
Qillrqueen, Other/Just Looking in San Diego County, CA
Qillrqueen answered:
Follow up question to Santaluz.......Housing market is bad all over but any thoughts on Santaluz,S.D market
Santaluz was basically created at the end of 2002 (9 homeowners moved in by Dec. 2002). As of today Nov. 18,2009, there are over 750 homeowners living in the community. The price rang ... more
0 votes Share Flag Fri Nov 20, 2009 Home Buying in 92127
Mark & K…, Real Estate Pro in San Diego, CA
Mark & Kari Shea answered:
Can you tell me the name of the HOA for Sycamore Walk townhomes and what do the HOA fees include for that?
Hi,

The name is the Santaluz Sycamore Walk HOA. HOA dues are $211 per month, it includes Common Area Maintenance, Exterior Bldg Maintenance, Limited Insurance.

We live 4 minutes ... more
0 votes Share Flag Thu Apr 30, 2009 Home Buying in 92127
Mark & K…, Real Estate Pro in San Diego, CA
Mark & Kari Shea answered:
What is the difference between listing and sale prices in santa luz 92127 for 1,000,000 homes on average ?
Hi Martha,

We capped the price at $1,200,000, four homes sold in the past 6 months.

Average List = $1,170750
Average Sold = $1,020,000
Percent Difference = 12.88%

Part of th ... more
0 votes Share Flag Tue Apr 28, 2009 Home Buying in 92127
Mark & K…, Real Estate Pro in San Diego, CA
Mark & Kari Shea answered:
What is the difference between the sale and listing price in 92127. Case-schiller report doesn't include 92127
Hi Martha,

117 Properties sold in the last 6 months on 92127. There are a broad array of homes and price points in this zip code. Here are the stats:

Minimum List = $325,00
Min ... more
0 votes Share Flag Tue Apr 28, 2009 Home Buying in 92127
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