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Home Buying in 92126 : Real Estate Advice

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  • Local Info0
  • Home Buying12
  • Home Selling2
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Activity 12
Thu Dec 17, 2015
Eat-more-kale answered:
Typical Real estate sales person behavior = TRB.
0 votes 3 answers Share Flag
Thu Jan 8, 2015
Michelle answered:
What recourse does one have if you request the by-laws prior to presenting an offer and they do not include the amendment? You put in an offer and are given another copy at closing and they do not contain the amendment? You find out before you move in that there is an amendment made 15 years prior stating no pets which is why you asked in the first place! Prior to presenting an offer we met and spoke to the President of the association with our realtor. At that time we discussed our dog with him and where the dog run was. He never gave us one hint that a dog was not allowed. He told us where to take her and to make sure we pick up after her. Our realtor knew how important our dog being allowed was. We bought the property from the son of his deceased mother. He is also a realtor. Any help would be greatly appreciated. Do we have any recourse? Thank you. ... more
0 votes 10 answers Share Flag
Wed Nov 19, 2014
Maryanne Jackson answered:
The seller needs to provide the buyer with all HOA docs, here in San Diego the docs are ordered during escrow by the escrow officer.
However, the charges are normally paid by the seller.
If you are in doubt-contact the HOA for clarification and to request the docs be submitted to your agent.
... more
0 votes 1 answer Share Flag
Wed Oct 22, 2014
Reynaldo Rosa answered:
This is a question I hear quite often. Structuring a Rent to own deal can be a very valuable way for people to achieve home ownership, although, the devil is in the detail. There are many different ways to structure a rent to own deal. I would suggest to any buyer that is interested in doing a Rent to own deal to first have your trusted Realtor review the contract. If your not careful, it could be a dream deal for the seller, and a nightmare for the buyer. Please feel free to contact me directly with any other questions you may have. I'm always here to help. ... more
0 votes 5 answers Share Flag
Mon Nov 11, 2013
Joel Lobb answered:
The VA does not limit the number of Kentucky VA guaranteed loans a veteran may have, however the VA does limit the amount of guarantee a veteran is entitled to. The veteran must have sufficient guarantee or combination of guarantee and equity in the subject property to equal a minimum of 25% of the value of the property.

Joel Lobb (NMLS#57916)
Senior Loan Officer
502-905-3708 cell
... more
0 votes 10 answers Share Flag
Tue Jul 30, 2013
Kari Shea answered:
Hi Richard,

Trevor has the facts correct. Furthermore, contracts for lease option to purchase are considerably more complex and and we would recommend using a real estate attorney rather than an agent to draw up and review the terms from the landlord/seller. We work in both of those markets and lease options are a challenging find.

Best of luck,

Mark & Kari Shea
Shea Real Estate
National Association of Realtors
CA DRE License 01713506
... more
0 votes 6 answers Share Flag
Mon May 13, 2013
Patti Kane answered:
I had a short sale last year and my Realtor recommend for a home loan. I am very happy to be able to purchase again.
0 votes 10 answers Share Flag
Tue Jun 29, 2010
Patricia Paul answered:
Hi, Maria... Here's an easy way to figure it if you want just a ball park figure. Determine how much you want to pay for monthly mortgage payment, then divide that number by .28. The answer will tell you the approximate monthly income you'll need. Of course a lender can give you all the specifics.

Example: If you want a $1,000 mortgage payment, divide by .28. You'll need $3,571 per month or $42,852 of annual income.
... more
0 votes 4 answers Share Flag
Wed Apr 14, 2010
Matthew Bartlett answered:
Hello Buyer,

I'm guessing that you're referring to a code violation as well. The seller's do not have to know the code, nor bring the home up to code in order to sell the home. The only two items the seller's must complete prior to close of escrow is 1: Install all smoke detectors to State code, and 2: Install water heater straps to State Code. However, any known material facts must be disclosed by the seller's. This would include any known code violations. If you have waived your contingencies, and new information was disclosed then you have a new 3 day right of recission with regards to the newly disclosed information. I recommend that you speak with your Realtor & Broker to discuss what your options are. If you feel that your questions have not been answered then speak with a licensed Real Estate Attorney right away. Good luck!

... more
0 votes 6 answers Share Flag
Wed Dec 30, 2009
Middleton And Associates answered:
I figured 2 1/2 years have gone by, so why not update the sales info for Mira Mesa since 2007.

Since July of 2009, until TODAY 12/30/2009 There have been 72 2 bedroom condos sold in Mira Mesa.
The prices Range from $118,000 up to $277,000 with an average price of $196,000. The average size has been a 2 bedroom 2 bath at 946 square feet.
... more
0 votes 2 answers Share Flag
Wed May 6, 2009
David & Marlene Macbeth answered:
I am assuming you are talking about a short sale. The last short sale I did with Countrywide.l The request in submitted to the Lender for short sale. It is assigned to a Loan or Workout Negotiator to see it warrants Modification or Short Sale. A BPO or Appraisal is ordered. If it is then moved up to the Short Sale Department and was reviewed to see if the Short Sale was warranted. I would assume the lender would review at this time to see if there was any possibility of the seller contributing to the deficiency. Every lender has their own system for reviewing and depending on whether the beneficiary is local or not determines how long the short sale can take. Often the lender doing the review is only doing the Loan Servicing and he must go to the investor for approval. Sometimes that is not so easy. Hard to believe they would drag their feet in getting rid of a bad asset because it becomes a bigger loss the longer it takes but that is what happens.

Marlene Macbeth e-PRO, GRI
Santa Ynez Valley, CA
... more
2 votes 2 answers Share Flag
Tue Mar 31, 2009
San-san Wardojo answered:
just want to chime in that indeed, short-sale takes about 60 days to close. Be patient and hope you enjoy your new home!
0 votes 9 answers Share Flag
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