Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Financing in Carlsbad : Real Estate Advice

  • All277
  • Local Info17
  • Home Buying101
  • Home Selling4
  • Market Conditions19

Activity 13
Thu May 14, 2015
Andy Brown answered:
Hi Craig. You may be able to streamiline and lower your MI by .5% which could be significant depending on loan size. Let me know if I can help.
0 votes 7 answers Share Flag
Mon May 11, 2015
Andy Brown answered:
We have 95% jumbo financing available up to $850k loan amount.
0 votes 23 answers Share Flag
Sat Jul 9, 2011
Daniel Lehman answered:
If you have a large amount of assets, there is a better option.

We can do cross collateralizatiin, pledging, and other specialty type lending that will get you there...
0 votes 22 answers Share Flag
Fri Mar 18, 2011
John Arendsen answered:
President: John C. Manson
I'm a RE broker but not a lender. However, you would be wise to contact John Manson below. He's a long time SD native (San Diego High, USD graduate) and knows the San Diego lending landscape better than any one I know in the lending biz.

Mortgage Banking

P.O Box 8249
Rancho Santa Fe, Ca. 92067
Phone: (760) 632-5944
Fax: (760) 454-2213
... more
0 votes 13 answers Share Flag
Wed Mar 16, 2011
David Hill answered:
I have enjoyed excellent service from Coldwell Banker Home Loans, Wells Fargo, and W.J. Bradley. If you want specific referrals, just contact me, 760-902-3622, and I will tell you the best contacts to get the mortgage done quickly and well. ... more
0 votes 15 answers Share Flag
Sun Oct 10, 2010
Aaron Roth answered:
Hey Robert,
Builders along with sellers in general are offering flexibility and incentives in this buyers market. Call me anytime and we can discuss the opportunites in this market place. (858) 354-9913 ... more
0 votes 4 answers Share Flag
Tue Jan 12, 2010
Kari Shea answered:
Hi Matt,

The best rule of thumb is to talk to your lender with questions related to your specific situation.

Best regards,

Mark and Kari Shea
Real Estate Experts Serving San Diego County
Specialists in Investment Properties, Foreclosures, Short Sales,
Development Opportunities & Traditional Real Estate
... more
0 votes 4 answers Share Flag
Mon Jul 27, 2009
Kevin answered:
you can contact hope it helps you...
0 votes 5 answers Share Flag
Tue Nov 11, 2008
Harrison K. Long answered:
There's a home now for sale and listed on SOCAL MLS at Corona del Mar, South OC, CA, with asking price of $75,000,000. Beautiful home.


Harrison K. Long, Realtor and broker, Coldwell Banker Previews
... more
0 votes 9 answers Share Flag
Sat Aug 23, 2008
Sarah Dupree answered:

From what I hear 25% is the new standard. However, new construction can be a little different. Often the builder has deals with the lenders and may be able to get you in there for 20%. I am familiar with all of the new developments in Carlsbad. Many of them are very negotiable, so don't think the 1.1 mill price tag is set in stone. I've gotten deals for clients with lots of the asking price. Drop me a line, tell me who the builder is. I probably know their bottom line price. Some are a lot more negotiable than others. Also, i have a great loan guy who is great at finding the good loan deals. I always recommend him to my clients. he doesn't charge points and he is an incredibly hard worker.

PS. I LOVE those new homes in Carlsbad! In my opinion they are the best deals out there.


Sarah Dupree
... more
1 vote 6 answers Share Flag
Sun Jan 27, 2008
James Baker answered:
Hi Robert! That's all good information that Ntfeldman gave you. You have already owned and sold a home so I bet you may have known some of those answers already.

I live and work in Carlsbad and we are enjoying some good fortune as far as the most recent Market information is concerned. One zip code shows an increase in median price as of December, 2007. So my concern for you is about the Seller's statement that he is willing to sell you the property at a $60,000 discount. That is a bold statement. Do you have independent information that can verify his accessment of the property's value? If it's true, you should have no problem securing a loan big enough to pay off your debt using escrow for the sale as long as you meet the lender's requirements.

Why don't you give me a call and I'll get you some data about the attached home values in the area of Carlsbad you are interested. Knowledge is power.

Question, why do you think the Owner of your rented condo has chosen you to purchase this condo? You said you just sold your own home and rented his condo. Now he is ready to sell it to you. Hmmmm!

Think about this... What is going to happen if you say no to his offer? If he is willing to undercut the market that much, he want's out and right now. And, he might soon put it on the market with you still renting and covering his expences (at least partially).

Are you ready to move again so soon? Maybe you have some more bargaining power. Let's talk.
... more
2 votes 2 answers Share Flag
Mon May 21, 2007
Kristal Kraft answered:
Cash incentives are not legal. Builders give good incentive packages, but they are tied to "upgrades" and the buyer must use the builder's lender. All of a sudden the great deal might not be as great as it appears. ... more
0 votes 4 answers Share Flag
Mon Apr 23, 2007
Kaye Thomas answered:
Contact brian brady.. he really knows his stuff
2 votes 2 answers Share Flag
Search Advice
Financing in Popular Carlsbad Neighborhoods