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Home Buying in 91915 : Real Estate Advice

  • All32
  • Local Info0
  • Home Buying15
  • Home Selling1
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Activity 10
Wed Oct 18, 2017
Frank S. answered:
Hello Veronica, yes plenty of time. The web reference link below can furnish a pre-approval and fee sheet with rate and term quote with the receipt of the appropriate documentation within 24 hours. You can compare rates from a few companies like the web reference link but don't have anyone run credit.

They have many banks to choose from to fit your financial scenario to the best rates. It will depend on the loan program choice as well. FHA rates pencil out better with lower rates then conventional.

You may consider FHA 3.5% down from a minimum 580 fico score and 3% down conventional from a minimum 620 fico score.
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Wed Jul 19, 2017
Alexander Wesley answered:
Think no one is Lending? Think again, Xanda financial is running a relief loan program at this time. For more info, Call 570-521-6506
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Fri Aug 24, 2012
Gerry Carrillo answered:

If you are still looking to invest in Eastlake / Otay Ranch, let me know. I am an expert in this area!
I have almost a decade of local real estate knowledge and 40 years living in Chula Vista, CA community.

Gerry Carrillo
Premier Properties
802 Starboard St
Chula Vista, CA 91914
CA DRE Lic#01423016
(619) 368-1992 [cell]
(619) 502-7545 [fax]
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Tue Jul 17, 2012
Maria Esparza answered:
Hi Heg,
I can refer you to my favorite loan broker from Point Mortage. She has many years experience. Has done wonders and is very creative with financing. She can get the job done! Contact me for her info.
Thank You
Maria Esparza
Coldwell Banker West
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Wed Nov 17, 2010
Mary Villalobos answered:
Daniela, it all depends on your needs, location is one of the most important issues, and of course your income, this is how much can you afford. Eastlalke is a great community with many amenities, and a town home is a great way to start, but also a detached home, we still have low prices and low interest rates.
Good luck in your search.
Mary Villalobos
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Thu Aug 12, 2010
Patrick Hale answered:
We have this information on our website or I can customize a search that will send you this info.

Email me if you still need help.

Patrick A. Hale, CDPE, RSD
Real Estate Broker & Investor

"Help Over 360 Distressed Home Owners Avoid Foreclosure"
If You or Someone You Know is in Financial Distress Visit:
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Mon Apr 20, 2009
Patti Phillips answered:
GRL, I would suggest that you contact a lender and ask them what they suggest. You may also want to check with your divorce attorney to see if they have any suggestions on how this might benefit you or work against you.

If you need the name of some reputable lenders in the San Diego area, please give me a call. I'd be happy to give you some.

Patti Phillips
"Advice You Need, Attention You Deserve"
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Mon Nov 10, 2008
Scott Godzyk answered:
banks usually will not renegotiate after accepting an offer for a short sale. However if the short sale has not been approved by teh bank yet, then yes you should definately submit and addendum for credit so you can fix ity. You may also ask the seller to fix it but they may not have the funds to do so. the bank will not pay for any repairs ahead of time so make sure you ask for a credit at closing to do so. Good luck with your purchase. ... more
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Fri Aug 8, 2008
Vincent Villafranca,REALTOR answered:
Yes, it is possible...but it depends upon how skilled your agent is when communicating to the listing agent.
I am a homeowner in the 91915 zip code (Eastlake/Otay Ranch) area and I have already seen most of the inventory here and know many of the agents here. Unfortunately I do not believe an offer 10% less then the asking price on an REO makes sense. Typically REO's in my community of Eastlake/Otay Ranch are under priced which creates many bidding wars. Many REO/bank owned companies will take the top 5 offers and send out a "highest and best" addendum, its basically your last chance for the home, further driving up the price. Many of the banks that own the properties through my experience prefer Cash or Conventional offers, I know because I represent many buyers in our community.
Regarding buying a short sale with a VA loan that may be a little easier but it depends on how the listing agent handles the short sale. Some Short sale listing agents...send 10 offers to the bank which can make the transaction even longer then it should be...while some short sales agents..lock on to one offer submit to get the approval for one buyer, my opinion that is the quickest and easiest way to get it done, but some agent would rather do it the other way. I know the school system very well here in the 91915 zip code because I have 3 kids that attend Eastlake High and Eastlake elementary. Call me for more info about housing here in my community of Eastlake/Otay Ranch:

Vincent Villafranca, REALTOR, ABR, CDPE
619 972 8798
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Thu Apr 3, 2008
Dot Chance answered:
Hi, Jen:

Has the bank approved the short sale? The bank may have added conditions to the sale, did you sign anything additional from the bank?

If you have an agent (I sure hope you do) you need to call the agent and make an appointment to sit down and get all these questions answered.

It isn't easy to get a tenant to move out...I'm surprised that your new landlord had such an easy time getting you to move because of the dog that you already had living there when they took over.

Short sales take a very long time to happen...have you tried bank-owned homes?

Wish you the best!
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