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Home Buying in La Mesa : Real Estate Advice

  • All83
  • Local Info7
  • Home Buying16
  • Home Selling5
  • Market Conditions3

Activity 31
Fri Jun 16, 2017
Mbashir_h asked:
Wed Jun 15, 2016
Derek Jones answered:
Trulia isn't a brokerage and they do not get their listing feed from most MLS's. Trulia gets their info from 3rd party sources or agents post it here manually which is why it is often inaccurate. If you want up to date listing stick to what your agent directs you or use a brokerage site. ... more
0 votes 1 answer Share Flag
Tue Jun 14, 2016
Sjriddle asked:
I shared to him my board with listing I was interested in and he shot down everyone one of them, whether they were in escrow already, pending.. etc.. unbelievable. I really like your user…
0 votes 0 Answers Share Flag
Tue May 10, 2016
answered:
Hello Isabellazoey34, the rent to own would require 10-15% down so that would not work. You may already qualify to buy and utilize the 3%-5% Sapphire Grant down payment assistance program.

The purchase in 91942 zip code start from 155k for 1bd 1ba condo, 299k for 2bd 2ba condo and the single family homes start from 399k for 3bd 1ba home in La Mesa.

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.

You may consider a 3%-5% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid. You could buy with minimum out of pocket expenses. You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down.

You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt
... more
0 votes 1 answer Share Flag
Tue May 10, 2016
answered:
Hello Isabellazoey34, the rent to own would require 10-15% down so that would not work. You may already qualify to buy and utilize the 3%-5% Sapphire Grant down payment assistance program.

The purchase in 91942 zip code start from 155k for 1bd 1ba condo, 299k for 2bd 2ba condo and the single family homes start from 399k for 3bd 1ba home in La Mesa.

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.

You may consider a 3%-5% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid. You could buy with minimum out of pocket expenses. You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down.

You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt
... more
0 votes 2 answers Share Flag
Wed Apr 1, 2015
djennifer009 answered:
With such a specific situation, I think you'd be wise to talk to an attorney. No one can give you legal advice online. If you've done this before with your grandparents, then it sounds like it might work the same way. But it's always better to be sure. http://www.gllaw.net/probate-estate-planning ... more
0 votes 7 answers Share Flag
Thu Sep 4, 2014
Christopher Pagli answered:
The home inspector is responsible fore looking over the electric box and pouting out any issues. Appraisers will not address inspection issues unless they are directed to do so by the lender. Ive found that FHA appraisers have raised issues over peeling paint, lack of handrails, and broken window panes.

Chris
... more
0 votes 4 answers Share Flag
Fri Feb 14, 2014
Annette Lawrence answered:
This question posted Sep 2008.
0 votes 7 answers Share Flag
Fri Feb 14, 2014
Anthony Damon answered:
Please feel free to contact me, I have worked with similar buyers and been able to have my preferred lenders achieve successful financing.
0 votes 11 answers Share Flag
Wed Feb 5, 2014
JR Thrasher answered:
$1800 to $2200 for El Cajon, up to $2500 for La Mesa depending on the condition of the home. I'll put a link to the available rentals in the web reference below so you can look at pictures and make sure you are comparing apples to apples.

J.R. Thrasher
www.SanDiegoRealEstateVeterans.com
(619) 929-0105
RealEstate@JRThrasher.com
... more
0 votes 4 answers Share Flag
Mon Jan 27, 2014
Tom Bashe answered:
Hello

You absolutely can appeal a low appraisal with the lender, we have had to do it several times over the past 4-5 years. I will say however, that it is highly unlikely that the value will change as usually the appraiser sticks to their guns, so your best bet if you have pull with the lender is to have them throw out that appraisal and order up a new one. Best of luck & enjoy your day!

Tom Bashe, Broker
SCA Real Estate
951.491.5052
... more
0 votes 3 answers Share Flag
Mon Jan 27, 2014
Tom Bashe answered:
Hello

The square footage we go off of is a bit different as stated below. We have sold many homes with additions that didn't have heat going to them with the square footage still counting, so it all depends on the area you are in. Best of luck & enjoy your day! Tom Bashe. Broker. SCA Real Estate. 951.491.5052 ... more
0 votes 4 answers Share Flag
Mon Apr 15, 2013
Cassey Rodriguez answered:
I think that this article http://www.leaderscorpfinancial.com/va-loan-the-best-option/ would help you most likely.
0 votes 3 answers Share Flag
Mon Dec 3, 2012
Steve Quintana answered:
The first step is to call your insurance broker and get a quote. Then you will know if your concern is valid.
0 votes 4 answers Share Flag
Sat Nov 10, 2012
Jane Grant answered:
If you already have a house in mind or at least an area then you will be better prepared to know the costs as they are dependant on area for property taxes, HOA fees, and property insurance.

On a monthly basis there is PITI, Principal, Interest, Taxes, Insurance.

Principal - The Amount of the loan

Interest - The cost to borrow the money

Taxes - can be anywhere from 1% of the sales price to 2% of the sales price.

Insurance - Property Insurance

Depending on the type of loan you get these items may be included in your payment. Also there could also be PMI insurance depending on your loan.

You really need to speak to a lender who will explain in detail the costs associated with the property you are thinking of purchasing.

Here's a PITI calculator, http://www.realestateabc.com/calculators/PITI.htm you can experiment with but ultimately speaking to an experienced lender will give you the best information:

~~~
... more
0 votes 11 answers Share Flag
Sat Nov 10, 2012
Sinead McAllister answered:
Hi JeLove,
I would be happy to assist. We can get a title report pulled for you today. Feel free to contact me directly for any and all of your real estate needs!

Thanks!
Sinead McAllister
Broker
McAllister Homes Real Estate
858-205-5215
brokermcallister@gmail.com
http://www.McAllisterHomes.com
... more
0 votes 7 answers Share Flag
Mon Aug 27, 2012
Angelina Sao answered:
Thank you for all your prompt responses. I am currently doing as all have suggested so hopefully within the next two years I will be able to become a home owner.
0 votes 4 answers Share Flag
Thu Aug 16, 2012
Janet McCarthy answered:
Average commute in San Diego is approx. 30 minutes, so anything less is a good deal. Take into consideration the number of traffic lights and stop signs and the amount of normal traffic in the area because that will really slow you down.
It's usually best to skirt around the average commute times in order to avoid delays but sometimes you just have to wait it out.
It's smart that you are taking drive time into consideration because the cost of gas is only going up.
Thanks
Janet McCarthy
Connect Realty
jmccarthyhomes@gmail.com
858-243-5719
... more
0 votes 5 answers Share Flag
Mon Jun 25, 2012
Jason Kardos answered:
Hi Wondijimma,

Are you wanting to buy a home in this price range in La Mesa? Do you know what financing options you have to purchase or are you paying cash?

Kind Regards,

Jason Kardos, Broker
(619) 303-2826
... more
0 votes 5 answers Share Flag
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