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92011 : Real Estate Advice

  • All25
  • Local Info1
  • Home Buying3
  • Home Selling3
  • Market Conditions1

Activity 13
Tue Jan 10, 2017
answered:
Welcome to California,

These links may assist you with crime statistics:
http://www.crimemapping.com
http://www.crimereports.com
http://www.everyblock.com/
http://www.localcrimenews.com
http://www.mylocalcrime.com
http://www.spotcrime.com/ca
http://www.meganslaw.ca.gov
http://www.neighborhoodscout.com/
http://www.homefair.com/

Theses links should have the answers to any questions you may have on schools:
http://www.greatschools.org/
http://Www.schoolfinder.ca.gov
http://Www.education.com
http://Www.schooldistrictfinder.com
http://Www.schooldigger.com
http://www.sarconline.org/

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.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 417k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 417k.

You could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 417k.

You may consider 5% down Jumbo with a minimum 720 fico score from 417k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million. You will need 20% down to purchase over 2.5 million.

You will need to be pre-approved to be able to meet an agent to view and submit offers on homes of your choice. You will need to gather one month paystubs, two month bank statements, last two year tax returns including 1040s, 1099s, W2s and all schedules and copies of your drivers license or ID and social security cards for each applicant.

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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 4 answers Share Flag
Tue Jul 12, 2016
Maricris A answered:
Hello,

If you would like to post a rental on Trulia, you will be redirected to use our partner site, Zillow Rental Manager, to list your rental on Zillow, Trulia and other top sites. Please follow this link for instructions on how to post a rental listing:

http://www.trulia.com/post-rental/

If you have additional questions or have issues with posting your listing, please reply back to this email and I will be happy to help you.

Zillow Rental Manger Help:
https://zillowrentalmanager.zendesk.com/hc/en-us

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

http://www.trulia.com/help/ask/


Regards,

Maricris
Consumer Care Advocate
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0 votes 1 answer Share Flag
Tue Mar 17, 2015
answered:
Hello Lize, 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 and you can be emailed listings to fit your search criteria.

Theses links should have the answers to any questions you may have on schools:
http://www.greatschools.org/
http://Www.schoolfinder.ca.gov
http://Www.education.com
http://Www.schooldistrictfinder.com
http://Www.schooldigger.com
http://www.sarconline.org/

You should study RENT vs BUY options as you may qualify to buy with minimum out of pocket expenses and pay less than rent in many cities of your choice. The rentals in 92011 start from $1,950 for 2bd 1.5ba condo and up. The purchase start from 390k for 2bd 1ba condo which is as low as $1,950 down payment with a minimum 580 fico score.

You will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. 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.

You may qualify to buy FHA with fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score. 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 compare. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ 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

If my response was helpful, consider clicking thumbs up or Best Answer!
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1 vote 3 answers Share Flag
Mon Jun 30, 2014
SD answered:
I'm ''just'' a property owner and from my perspective, I prefer the prospective tenant to contact me directly. I think the popular places like Trulia, Zillow and ... maybe craigslist are your best bet to find a rental. I feel that contacting an agent is okay if you really want/need a middle person. Make sure you look at school districts as not all people that advertise la costa are actually in ''la costa'' or the nicer neighborhood called la costa oaks. personally I feel that la costa oaks south is better than the north. good luck with your search. ... more
0 votes 9 answers Share Flag
Fri Dec 20, 2013
Elizabeth Story answered:
Selling your home by yourself is risky business. There's a reason so few people do it. There are a lot of disclosures involved and if not done properly, you can open yourself up to legal trouble.

A better route would be to talk to an agent about what your bottom line is. How much do you want to walk away with? If an agent can deliver by getting you the best price possible, chances are good that you'd end up with more money... in addition to the service and protection a knowledgeable realtor can provide.

Elizabeth Story, REALTOR®
Licensed Real Estate Agent
Allison James Estates & Homes
elizabeth@storyrealtors.com
(619) 742-3979 Mobile
(858) 876-4496 Office
(760) 820-2702 Fax
CA BRE # 01773118

www.storyrealtors.com
www.storybookluxuryhomes.com

Catch me live on air every 3rd Monday on ESPN AM 1700 on the Mr. Credit Radio Show!
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0 votes 10 answers Share Flag
Thu May 2, 2013
Judy Goldberg answered:
Aviara Oaks and Pacific Rim are the best Elementary Schools. There are several good pre-schools, but you want to stick with 92011, 92009 zip codes.
0 votes 9 answers Share Flag
Sat Mar 23, 2013
Michael Blue answered:
Tradional is 6%. Discounts and negociation are common by law, strong brokers with clientele and marketing budgets not likely to offer discounts, however much more involved, short sale? REO? Diffecult property conditions will offer bonuses or higher commissions, sellers market will see $$$if drop per deal. ... more
0 votes 24 answers Share Flag
Wed Jan 16, 2013
The INDRA Group answered:
The short sale is a transaction in which the home is being sold less than the owned mortgage payoff, a buyer submits an offer on a property, the offer is presented to current owner who when in agreement requests the bank to accept said offer less than owed mortgage payoff. Pre refers to NOD - a notice of default is filed. ... more
0 votes 9 answers Share Flag
Wed Dec 5, 2012
Peter Whittet answered:
Vivian, in the broad area of single family homes, it would include built in site, and could include townhomes, condos, and manufactured homes. In custom searches that I set up for my clients only the style f homes they are looking for are included. So if your only wanting to consider built on site homes you would not have to sift though other types og homes.
Hope that helps if you would like customized information please let me know I'd be glad to help.
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0 votes 3 answers Share Flag
Mon Nov 26, 2012
Tony Cannon answered:
If you live within the Carlsbad School District, you can apply for an intra-district transfer to attend another school within the district which is not your neighborhood school. My experience has been the teacher can make more of a difference than the school or the district. Finding that good teacher is the hard part... ... more
1 vote 9 answers Share Flag
Wed Feb 22, 2012
Tim Moore answered:
Does the delete this answer button not work?
0 votes 1 answer Share Flag
Mon Jan 17, 2011
Raschel A. Kloos answered:
I found this for you. http://ynfirm.com/blog/uncategorized/dept-of-state-releases-january-2011-visa-bulletin/
I would love to assist you with your home purchase when the time comes.


Raschel A. Kloos, Realtor 01242504
760-845-4744
... more
0 votes 3 answers Share Flag
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