Home Buying in Chula Vista : Questions & Answers

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Arpad Racz, Real Estate Pro in San Jose, CA
Arpad Racz answered:
Looking to buy a home and do not know where to start.
Hi,

Starting with obtaining a loan approval would be a good move.

All the best,

Arpad
0 votes Share Flag Mon Nov 23, 2015 Home Buying in 91911
John & Janis…, Real Estate Pro in Encinitas, CA
John & Janis Arendsen answered:
I am looking for a zero income verification loan with 20% down on a $350,000 mortgage in San Diego County California. Is this possible?
There are indeed hard money loans for liars loans but you will pay dearly for them.
0 votes Share Flag Thu Sep 24, 2015 Home Buying in 91911
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
I am a US citizen with a good credit score currently working and living abroad, am I able to get a mortgage even though I receive my income abroad?
Is it within commuting distance? Will your income continue for at least 3 years after you move into the home? I would require a written VOE instead of a verbal so your employer is res ... more
0 votes Share Flag Thu Sep 24, 2015 Home Buying in 91911
Michelle Lim…, Real Estate Pro in Chula Vista, CA
Michelle Limon answered:
Foreclosure does not show up on my credit but it comes out on escrow.
Danny,

I do not understand the question on the "Escrow Profile" Here is my number and I can help walk you through the VA process. 619-869-0548
0 votes Share Flag Tue Jul 28, 2015 Home Buying in 91913
Jeff Hensel, Real Estate Pro in Oceanside, CA
Jeff Hensel 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.
Have you tried to obtain a conventional loan? You have a good down payment based on your estimated purchase price. If credit is an issue and you can't get a conventional loan a hard mon ... more
0 votes Share Flag Mon Jun 29, 2015 Home Buying in Chula Vista
Richard Litt…, Other/Just Looking in Orange County, CA
Richard Littlefield answered:
With a combined income of 66,6800 would it be possible to buy a home that is going for 360,000? My credit score is about 700 my boyfriends not so good
Yes I just approved one with similar numbers.

Call me if you like 714-968-2500
0 votes Share Flag Tue Apr 28, 2015 Home Buying in Chula Vista
Francisco Lo…, Real Estate Pro in Chula Vista, CA
Francisco Lopez answered:
What search keyword should i use if I'm looking for a double lot? Two houses on a lot?
The best way is to have an agent set up that search criteria specifically on the MLS search. I would be happy to do that for you at no charge.

Please email me at panchotherealtor@gm ... more
0 votes Share Flag Sun Feb 22, 2015 Home Buying in Chula Vista
Don Tepper, Real Estate Pro in Burke, VA
Don Tepper answered:
What is a better rental property, a condo or a house?
A house.

Lots of reasons why: From the possibility of greater appreciation to greater ease of renting the property to the drawbacks of a rental unit in a condo.
0 votes Share Flag Tue Dec 16, 2014 Home Buying in 91913
Hugo Sanchez, Real Estate Pro in Chula Vista, CA
Hugo Sanchez answered:
Can anyone recommend a loan agent who specializes in fair/low credit scores (640) for the 91914 area?
Hi Hortencia,
Did you ever found the lender? How are you doing?
If you still need help let me know.
Thanks
Hugo
0 votes Share Flag Tue Dec 2, 2014 Home Buying in Otay Ranch Village
Hugo Sanchez, Real Estate Pro in Chula Vista, CA
Hugo Sanchez answered:
Thank you for helping me to realize lease to purchase and buying my first home. I have another question. I have a low fico score one credit report is
Hi Sharon,
I know this post was put a little while ago. I wanted to check and see how are you doing? Let me know if you still need some help.
Thanks

Hugo
619-869-0588
0 votes Share Flag Tue Dec 2, 2014 Home Buying in Otay Ranch Village
John & Janis…, Real Estate Pro in Encinitas, CA
John & Janis Arendsen answered:
If I buy a home directly through the buyer, do I need a title search?
You always want to run a title search on any RE transaction. They're there for your protection and to prevent you from absorbing someone else's debt.
0 votes Share Flag Mon Nov 24, 2014 Home Buying in Chula Vista
John & Janis…, Real Estate Pro in Encinitas, CA
John & Janis Arendsen answered:
I am looking for a no income verification mortgage with 20% down on a $350,000 home in San Diego County California. My credit score is currently 780.
Interesting. Didn't know about the non owner occupied part. So a borrower has a better chance of getting a liars loan on a rental?
0 votes Share Flag Mon Nov 24, 2014 Home Buying in 91911
Larry M Parra, Real Estate Pro in Chula Vista, CA
Larry M Parra answered:
What is the cost of removing a septic system in Chula Vista, CA?
I agree with Mr. Tabit and Mr. Chomentowski. You should also consider obtaining a bid on connecting directly to the public sewer system if that is even an option. Maybe pumping unit cle ... more
0 votes Share Flag Mon Nov 3, 2014 Home Buying in Chula Vista
Larry M Parra, Real Estate Pro in Chula Vista, CA
Larry M Parra answered:
HI I'm considering buying a house versus renting one but I don't know where to start.
Start by contact a local real estate agent or broker and asking for a rent vs own analysis in your target area. Your agent or broker can refer you to a mortgage banker, who can possibly ... more
0 votes Share Flag Tue Sep 30, 2014 Home Buying in Chula Vista
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
it it possible to get a house if one person has low income
Income is only one factor in loan qualification. But, if your income is 'low', home buying is probably not a good way to go...owning a home in San Diego is expensive.
0 votes Share Flag Mon Jul 14, 2014 Home Buying in Chula Vista
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
Foreclosure houses in Chula Vista, CA for sale starting at 6,000? How does that work!?
If you saw an ad here on Trulia that says Realty Trac you should know they do not list and sell homes. The price you see often is not an asking price, it could be what they owe or often ... more
0 votes Share Flag Mon Jul 14, 2014 Home Buying in Chula Vista
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
What are some major benefits to buying a home versus renting? Thanks in advance
The major benefits include 1) putting your rental dollars into a property you own 2) Obtaining tax breaks on your mortgage interest and property taxes 3) You are in control of your home ... more
0 votes Share Flag Sun Jun 29, 2014 Home Buying in Chula Vista
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