If you could only do one thing, I would recommend increasing the curb appeal of the house. So many buyers do drive bys and determine their interest in seeing the inside or not. Clean up, paint, add some landscaping, a new front door, a lamp post, etc.
I answered based upon only being able to choose to do one thing.... more
No HOA, but there are "Other Fees" presumably space rent in the amount of $746.35/Month. This is a 55+ community and is accepting Cash-Only offers. Let me know if I can help you in any other way.
Real Estate Broker/ Realtor®
McAllister Homes Real Estate
Residential Sales & Property Management
email@example.com EMAIL... more
I hear that a lot. I have a tough time finding agents for people and when I find a good one, I keep them around.
Sonia Ramirez at 619-370-0927
Al Fleury 858-357-6151
they have a track record of returning calls and working hard for you.
good luck!... more
You don't need stellar credit for a FHA loan, and the down payment is only 3.5%, with low interest rates. You do need 12 months of on-time bill payments though. If you think you might be able to do it, and depending on how low your credit scores are, contact me and I'll send you some lenders to talk to, and we can go from there. I do have some good info on how to help raise credit scores too, if you're interested.
Cory La Scala, REALTOR
Lic # 01443391... more
the hoa covers:Common Area Maintenance, Sewer, Trash Pickup, Water, Limited Insurance, and Roof Maintenance...
Please let me know if I can show you the property or help with anything else!
Cindy Davis, Broker
I guess lenders aren't doing them, or you'd have had at least a few responses.
When there's risk to a potential creditor, in this case you can't prove you'll be able to make the loan payments, you'll need to lessen the risk to the lender somehow. For loans, it's usually in the form of higher interest rates. If your only source for a loan is private money, from a private lender/investor, you'll be paying a LOT more in interest, which will lessen the amount you can pay for your property.
My suggestion would be to work on getting employment that will be enough to qualify for the loan amount on the home you want. I know it's more difficult now, but you do have a nice amount of money for a down payment, and if you can add to that, you'll be able to buy in two years, the amount of time lenders want to see you employed. $70K is enough for a 20% down payment on a conventional loan for a $350K home. Your payment would be roughly $1725/mo, so that's the payment you'd have to qualify for. If you're buying a condo, you'd have to take the HOA fee into consideration, so your purchase price would be less. Or, could buy something for less anyway, and have a higher down payment, and that will lower your monthly payment, so your income could be less.
Good luck to you, and let me know if you have any more questions.
Cory La Scala, REALTOR
Lic # 01443391... more
You need FBS. Rentals are what we do. Rentals are all we do. Rentals are who we are in San Diego for more than 4 decades. We currently operate rental properties in 69 zip codes throughout the region. We have become the best center for resources essential to renters by choice as well as independent rental owners. We bring industry Best Practices to both. I appreciate the nearly 10,000 Trulia visitors that keep up with my profile as well as the 50,000 that follow Neil Fjellestad's blog. However, my perspective is only one thing that makes FBS the industry leader it is. Our unsurpassed team, our systematic approach to leasing & rendering service to our renters, our daily incorporating technologies that others are just talking about are all reasons for our leadership. But our leadership only matters when it matters to you. First, visit our website http://www.fbs-pm.com then contact our Metro Office. 619-286-7600 Start by speaking with Melissa. She'll direct you from there. Let me know how you make out. Neil... more
When looking for rentals, your best bet is Craigslist. 85% to 95% of all rentals leased in San Diego County are found using Craigslist. It is used to advertise rentals by owners, property management companies and agents alike.
The best way to search is to put the zip code in the search box and then enter the rest of your parameters. Check often and call/e-mail right away as many rentals move quickly!
Lastly, beware of rental scam listings and ads that "look too good to be true”. Make sure you talk to the person managing the property and meet them to see it. Scams usually involve people asking for a deposit prior to seeing the property or filling out a rental application.
Best of luck to you,
Mark & Kari Shea
Shea Real Estate
National Association of Realtors
CA DRE License 01713506... more
May I suggest our interactive website http://www.fbs-pm.com/renter-services/rental-search/ This website can also be uploaded as a mobile version so you can see what's available on your smartphone including video tours of the houses, condos and apartments in which you have interest. This same interactive site allows you to apply online, assist you with our lease documents and get you moved in to your new home. Later you will have a secure place to pay your rent online and thereby never have a problem with late rent penalties. If you have a maintenance issue you can communicate the same way. We provide personal resident care with technological convenience.Neil... more
Can I refer you to another realtor in your area? I would be very happy to make a formal referral for you. I cannot stress the importance of having your own professional advice. You are a first time homebuyer - you NEED your own counsel. The seller's agent is working for the seller - they are NOT working for you; their loyalty lies with the seller. As far as your current agent goes, you can certainly fire him at any time for non-performance. Write him an email or a note and while you might thank him for his efforts, be sure to be very clear about why you are severing your relationship with him. No, his performance isn't normal; it's far below average and you are not being too needy. But as far as the timing goes, don't be surprised that many agents can't run out and show you properties at a moment's notice; our schedules are planned as far in advance as possible. I would be happy to talk with you and refer you to a top notch agent in your area - please feel free to click on my profile and give me a call. Sincerely, Kim... more
Are you looking to sell yourself, without a Realtor? If so you can try out postlets.com or epropertysites.com but that one costs. If that doesnt work out for you and you would like the help of a realtor I would love to have the opportunity to show you what I can offer, thanks!... more
Call me directly. It depends on what kind of loan you are looking to get and the circumstance regarding your short sale. I have a house in escrow in Santee, so I am very familiar with the market. Some can be as early as 12 months!
We have a few properties in the El Cajon, Rancho San Diego area that are coming up. Please give me a call or shoot me an email and we can discuss further. This would be in the Cajon Valley School district that has some very nice schools as well. 619-328-2760
The first thing I would suggest is to pull your credit report. I suggest "annualcreditreport.com". I am working with a couple clients that have done short sales and their credit reports do not reflect any updated information. The reason you want to make sure everything is updated as soon as possible is because a line item that hasn't had any negative reporting in the past two years isn't as bad on your score. If you wait the three years and then find out you need to fix it that line item will become a current reported line which will affect your credit score more. As for buying a new home it does depend on the type of loan you are looking for.
Please let me know if you have any other Questions, I am an Agent in Santee and also a Resident of Santee since 1972