92130 : Questions & Answers

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Dfenste123, Home Buyer in San Diego, CA
Dfenste123 answered:
Do physician loans still exist wtih little down/No PMI.?
Obviously, reading this BLOG, there are many programs available. One issue nearly every physician faces is student loans. Private student loan refinance offers a very viable and sensibl ... more
0 votes Share Flag Mon Aug 17, 2015 Home Buying in 92130
Scott Wells, Real Estate Pro in Dallas, TX
Scott Wells answered:
can I get 100% finaincing in florida for physicians?
Regions Bank still offers 100% financing program with no PMI for doctors and dentists up to $650,000 loan amounts in FL and the other states our banks are located in.
0 votes Share Flag Tue Aug 4, 2015 Home Buying in 92130
John Reeves, Real Estate Pro in San Diego, CA
John Reeves answered:
Help with septic tank!
You can always ask an advice to Attorneys of Real estate so you can claim what ever problems you have purchase a Home.
0 votes Share Flag Thu Jul 9, 2015 Home Buying in 92130
John Reeves, Real Estate Pro in San Diego, CA
John Reeves answered:
who is responsible for telling the buyer there are HOA fees and the house is in an HOA and the fees are behind, if not in search in lorain county oh?
Usually the seller , but if the seller have an agent then its the agent responsibility to tell the buyer
0 votes Share Flag Mon Jun 22, 2015 Home Buying in 92130
Valli Lopez, Real Estate Pro in San Diego, CA
Valli Lopez answered:
After losing our income for 2 years, we had a cooperative short sales in Nov 2012. Shortly after than, we got a very attractive job offer and with
I have a fixed program at competitive rates with only a 3 year wait period from short sale. I can ask for an exception from the lender because if you close in April, it would just be 7 ... more
0 votes Share Flag Mon Mar 23, 2015 Financing in 92130
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
Which company is offering the best rates for no to low documentation loans?
Low Documentation = Bank Statements. We allow 100% of the borrower's deposits as proof of income. These are Portfolio Loans that allow credit scores as low 500. The LTVs are determined ... more
0 votes Share Flag Tue Mar 17, 2015 Financing in 92130
Noah Seidenb…, Real Estate Pro in Evanston, IL
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
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
Maryanne Jac…, Real Estate Pro in El Cajon, CA
Maryanne Jackson answered:
do owners pay or renters pay the trash and water fees?
It depends on the stipulation in the HOA request a copy of the condominiums by laws and Homeowners minutes as well.

Your realtor and or escrow company can provide these items to you ... more
0 votes Share Flag Fri Oct 3, 2014 Home Buying in 92130
Garrigus Real…, Real Estate Pro in Beaumont, CA
Garrigus Real Estate Group answered:
What is the fee usually charged for HOA docs. Did CAR recently have an article about this
It completely depends on the HOA, the fees are not regulated they are charged and determined by the individual HOA's. Please contact us directly for more information.
0 votes Share Flag Thu Aug 14, 2014 Home Selling in 92130
Dara Chantar…, Real Estate Pro in Del Mar, CA
Dara Chantarit answered:
How much per square feet to build in carmel valley- more specifically Alta del mar or del mar mesa area?
The median sales price for homes in ZIP code 92130 in San Diego from Apr 14 to Jul 14 was $870,000 based on 221 sales. Compared to the same period one year ago, the median sales price i ... more
0 votes Share Flag Fri Aug 1, 2014 Home Buying in 92130
rosadayb, Renter in El Cajon, CA
rosadayb answered:
How do you file a complaint against a property manager for failure to return the damage deposit within the 21 days required by CA law?
Call the Bar Association in your county and get a free consultation with an experienced attorney that practices landlord/tenant. Also go to your nearest law library and ask for help.
0 votes Share Flag Mon Apr 7, 2014 Rental Basics in 92130
Amasa Lacy, Real Estate Pro in 92130
Amasa Lacy answered:
Can HOA charge a fee when you do not live in the home full time. We stay in the home one weekend a month and HOA is wanting to charge a higher fee.
Are you saying that they are charging you more than the perscribed HOA? If that's the case, it's unacceptabe. The HOA is a flat fee and should not fluctuate whether you are occupying ... more
0 votes Share Flag Fri Jan 31, 2014 Home Buying in 92130
Royce Kemp, Real Estate Pro in San Diego, CA
Royce Kemp answered:
Taxes and ownership details
To address the tax rate component of your question, because of the collapse in market values, the assessor has been re-assessessing property values down, so it's quite possible the purc ... more
0 votes Share Flag Mon Jan 27, 2014 Home Buying in 92130
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
Are there such loans as combination loans involving land purchase and contruction?
Yes, there are lenders that have different construction loan options that fit this scenario. Not many lenders offer this, but if you shop around you will find a lender that has this typ ... more
0 votes Share Flag Thu Oct 24, 2013 Home Buying in 92130
Satar Naghsh…, Real Estate Pro in Irvine, CA
Satar Naghshineh answered:
Who is responsible for the HOA docs fee when the escrow is cancelled by the buyer?
I know this question is old, but I wanted to answer it in case someone does a search on this in the future.

I am a licensed real estate broker in the state of California. This applie ... more
2 votes Share Flag Wed Aug 21, 2013 Home Selling in 92130
Brian Aarest…, Real Estate Pro in San Diego County, CA
Brian Aarestad answered:
ineed other zipcodes for thie surrounding areas
Here are the zip codes surrounding 92130. 92007, 92014, 92024, 92075, 92129,92127,92131 Send me an email with your home criteria, and I will set you up with a link to the MLS. It will ... more
0 votes Share Flag Tue Jul 23, 2013 Home Buying in 92130
Jay Becker -…, Real Estate Pro in San Diego, CA
Jay Becker - Sotheby's Int'l answered:
How low is too low for an offer?
Bank's are not heavily discounting...in Coastal San Diego, and even if you have a bank-owned property in escrow at an agreed upon price, prior to close they retain the right to have th ... more
0 votes Share Flag Thu Jul 4, 2013 Home Buying in 92130
Jay Becker -…, Real Estate Pro in San Diego, CA
Jay Becker - Sotheby's Int'l answered:
What's it's 'true' value?
Market value is what a ready,willing and able buyer will pay for the property, however from a true valuation and lending standpoint, only a certified appraiser, working on behalf of you ... more
0 votes Share Flag Thu Jul 4, 2013 Home Buying in 92130
Jay Becker -…, Real Estate Pro in San Diego, CA
Jay Becker - Sotheby's Int'l answered:
how to find pre-foreclosure homes in 92130?
I can provide you with resources for all per-foreclosure properties and can discuss methods for securing some of these properties. Many are not-for-sale currently.

Jay Becker - Senio ... more
0 votes Share Flag Thu Jul 4, 2013 Home Buying in 92130
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