San Diego : Questions & Answers

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John Juarez, Real Estate Pro in Fremont, CA
John Juarez answered:
What are the changes that are set to occur in April with FHA loans in regards to PMI?
Beginning April 1, 2013, most FHA-backed mortgages will be subject to an MIP (similar to PMI in other loan programs) increase of 10 basis points annually, or 0.10 percentage points. Sim ... more
0 votes Share Flag Sun Mar 24, 2013 Home Buying in Adams North
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
How does a low appraisal affect the home selling process?
It stalls it and sometimes stops it. When a low appraisal comes in, the seller and buy try to re-negotiate the purchase price If that fails to occur, the escrow will cancel. The seller ... more
0 votes Share Flag Mon Oct 28, 2013 Home Selling in San Diego
Theresa Mack, Real Estate Pro in 92131
Theresa Mack answered:
How long does pre-approval last when trying to find a home?
It all depends on the lender but in my experience 60-90 days is pretty common.

If you'd like the a recommendation for some lenders who have great rates and closing costs feel free to ... more
0 votes Share Flag Sat Mar 23, 2013 Financing in Rancho Bernardo
Wayne L. Bro…, Real Estate Pro in San Diego, CA
Wayne L. Brown answered:
Is it legal in California for a broker to be the buyer's agent and also the mortgage broker in the same transaction.?
In most cases, Yes, as long as it is disclosed. However, if you are doing an FHA loan, it is prohibited by HUD.

That said, some lenders frown on this, and as their own policy may no ... more
0 votes Share Flag Sat Mar 29, 2014 Financing in San Diego
Shannon Ande…, Real Estate Pro in 92019
Shannon Anderson BRE #01380510 answered:
Is it absolutely a requirement to put down 20%?
if you are asking about buying a home, the answer is no. If you are asking about buying and not having MI, then you should talk to a lender, but my understanding is yes.
0 votes Share Flag Fri Mar 22, 2013 Home Buying in San Diego
Jim Fishinger, Real Estate Pro in San Diego, CA
Jim Fishinger answered:
diversified neighborhood,the suitable place for teenage and decent school
There would be numerous options for you, but I'd be better able to help if you contact me by phone or email. There are some important questions that when answered will allow me to prese ... more
0 votes Share Flag Mon Mar 18, 2013 Home Buying in San Diego
David and Mo…, Real Estate Pro in San Diego, CA
David and Monica Stone Team answered:
What are the avg. temperatures like? The coast, mountain, desert?
Hi Mary,

As it sounds like you already know, the temperatures throughout San Diego County can vary widely.

If you go to my website, and click on the "Lif ... more
0 votes Share Flag Sun Mar 17, 2013 Home Buying in Colina Del Sol
Patti Adams, Real Estate Pro in San Diego County, CA
Patti Adams answered:
Is it a bad idea to buy a second unit in a condo we currently live in?
I think the biggest thing to look out for is keep the owner occupancy ratio of the entire complex above 70%. Lenders like it to be that high. If you go below that, then it is harder f ... more
0 votes Share Flag Tue Mar 19, 2013 Home Buying in 92109
Maureen Mart…, Real Estate Pro in San Diego, CA
Maureen Martin answered:
Is there any way to close a mortgage before receiving my first paycheck?
Unfortunately no. Some banks may allow for this, but it would be a HUGE exception. Typically banks want to see at least 1 pay stub before the close of escrow, often times 30 days wort ... more
0 votes Share Flag Thu Mar 14, 2013 Home Buying in San Diego
Krista Bell, Real Estate Pro in San Diego, CA
Krista Bell answered:
seems like it's alot of crime in this area?
Hi there, Darryl,

I hate to give you such a political response here, but agents are not legally allowed to provide clients with information on the safety of neighborhoods (other than ... more
0 votes Share Flag Wed Sep 25, 2013 Crime & Safety in Morena
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Excess closing cost money question in California (purchase)
You should ask your loan officer how much it is to lower the rate 1/8th. You can always use it to buy the rate down. You may also be able to have it applied as a principal curtailment i ... more
0 votes Share Flag Thu Mar 21, 2013 Financing in San Diego
Lance R King, Real Estate Pro in San Francisco, CA
Lance R King 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?
probably because they want to make sure that you will be able to afford the property including all costs, especially if you are looking at places with high HOA fees.
0 votes Share Flag Sat May 4, 2013 Home Buying in 92127
Rich Homer, Real Estate Pro in 34108
Rich Homer answered:
I want to sell my condo. It does have tenants, their lease just expired and they are now paying month to month. How do I start?
Engage a local Licensed Real Estate Broker by clicking "Find a Pro" in the header of this website.
0 votes Share Flag Thu May 23, 2013 Home Selling in 92104
Jill Eastman…, Real Estate Pro in San Diego, CA
Jill Eastman & Ernie Pallares answered:
Agent Co-op buying new developed house (Agent needed)
Thanks Ginger,

I would be open to discussing this with you.

Jill Eastman
BrokerMagnus Realty Group Inc
Lic# 01824231
0 votes Share Flag Tue Mar 12, 2013 Home Buying in San Diego
Jim Olive, Real Estate Pro in Key West, FL
Jim Olive answered:
what is the lowest credit score you can accomodate?
As with depends! There are different programs for people with different scores. You can have a really lousy score and still possibly find seller who will still offer you s ... more
0 votes Share Flag Tue Mar 12, 2013 Rentals in San Diego
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
Already purchased the home and the title insurance didn't catch that the prior owner owed property taxes?
Have you been in touch with your realtor or the title company? that would probably be the best first step, because yes as part of the title commitment they should have researched the t ... more
0 votes Share Flag Mon Jul 1, 2013 Home Buying in 92130
Christine Go…, Real Estate Pro in San Diego County, CA
Christine Gorno answered:
Can you tell me who is the owner/renter of this property? 4383 Rolando Blvd, San Diego CA 92115 I have someone emailing me about it
Hello Edwin~

The home is actively on the market for sale. I don't think that anyone would publicly answer that question here. I am just curious why you are asking. Is the person emai ... more
0 votes Share Flag Mon Mar 11, 2013 For Rent in San Diego
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