Hello mickmfcu, sorry you got overlooked for a moment. There is not much available in that zip code at the moment. What are your search perimeters?
Your deciding to buy when you want is your own choice but the longer you wait the more it will cost you. You may not going to find the bargain you may be looking for?
If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve you can be emailed listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates to study and compare.
The purchase in 94019 zip code start from 429k for 2bd 2ba condo and the single family homes start from 679k for 3bd 2ba home in Half Moon Bay.
You will need to be pre-approved if you decide to buy to be able to meet an agent to view and submit offers on any homes of your choice. Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, home price, loan program and how much you want to invest into the down payment and closing costs.
You may qualify to buy FHA with fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI). You may qualify for Stated Income Loans from a minimum 700 fico score and assets.
Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary. You need to determine what your qualifications are to start from and what options you have to choose from.
It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
If my response was helpful, consider clicking Thank, Link or Best Answer.... more
Half Moon Bay and the many small towns along the coast are definitely a hidden secret worth considering. All of the towns (Montara, Frenchman's Creek, Moss Beach, to name a few) have a special quaintness about them, and have many local Mom and Pop style stores, with commercial grocery stores and fast food chains being primarily in Half Moon Bay.
As for weather, most of the year there are beautiful sunny days, that seem to be getting more frequent with longer lasting seasons. As with most towns on the west side of the Bay Area, the summer months tend to be our foggiest time ( there is something to be said for Mark Twain's statement " the coldest winter ever spent, was a summer in San Francisco"), but by Indian summer (Sept/Oct) the sun is back out and the beach is warm.
Feel free to contact me at (707) 718-4844 for more information on coastal cities or property status.
LisaMarie Adorno, CDPE, MBA
ReMax Gold Realtor... more