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92120 : Real Estate Advice

  • All15
  • Local Info0
  • Home Buying4
  • Home Selling1
  • Market Conditions0

Activity 10
Mon Feb 6, 2017
Sheryl Arndt answered:
Hello Brieanna, you only need a minimum 500 fico score to qualify for FHA 10% down and minimum 580 for 3.5% down FHA. You would need a minimum 640 fico score to qualify for down payment and or closing costs assistance. Your scores can be raised in a few days...

The purchase in 92120 zip code of San Diego start from 207k for 1bd 1ba condo, 239k for 2bd 2ba condo and up. You just need to speak with a loan officer to figure out your qualifications and the options you have.

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 424k. 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 424k.

If you are buying a primary residence 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 424k.

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 will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 5 answers Share Flag
Tue Mar 29, 2016
Alexander Greer answered:

I do not check replies, so if you have a comment or question email me here:

Alex Greer
Loan Officer
NMLS #1056079 ... more
0 votes 4 answers Share Flag
Tue Dec 2, 2014
John Arendsen answered:
Right now San Diego County as a whole supports Accessory Dwelling Units (ADU's), granny flats, casitas, room additions and in some cases garage conversions. However, you really need to start with your local building, planning and zoning department. But be sure you also consult with your HOA as many developments, especially in Poway, have CC&R's that address parking in the streets or driveway for extended periods of time. ... more
0 votes 5 answers Share Flag
Sun May 11, 2014
Sinead McAllister answered:
Yes, we've all been feeling the brunt of some of the new changes. If there is a particular property or properties that you are interested in, I would be happy to send you the lot size as a courtesy, just let me know.

?Sinead McAllister-Clifford
Real Estate Broker/ Realtor®

McAllister Homes Real Estate
Residential Sales & Property Management
License 01366009
858-205-5215 CELL EMAIL
... more
0 votes 2 answers Share Flag
Mon Nov 25, 2013
Sinead McAllister answered:
If you are just remodeling and not adding, there is a chance that you will not be reassessed. I would need to know the specifics of your improvement. Otherwise, it depends on what area you are in. Daniel is correct, a good average is 1.25%, although it could be higher or lower, depending on your location.

​Sinead McAllister-Clifford
Real Estate Broker/ Realtor®

McAllister Homes Real Estate
Residential Sales & Property Management
License 01366009
858-205-5215 CELL EMAIL
... more
0 votes 5 answers Share Flag
Sat Oct 19, 2013
Michael Bennett answered:
I don't charge origination or any of those fees you asked about. I think it's ridiculous what some lenders get away with. Get qoutes & compare the APR from each lender. The higher the APR the more it costs for the loan. ... more
0 votes 7 answers Share Flag
Sat Aug 11, 2012
Sunny Brian SD answered:
it is not uncommon for somebody even going into short sale to collect rents until they lose this property. like the other gentleman said keep very diligent records. fernbank takes possession or short sales for default will still be obligated rents to those people until that happens you're still obligated to the current owner. hope this helps. Brian, Property Operations Manager, Winchester real estate. ... more
0 votes 6 answers Share Flag
Tue May 1, 2012
Andrew Wilkinson answered:
Hi Jan,

You can update the information on Trulia directly.

On this home's property detail page, click "More" and then click "Report Error" You will be able to provide the most up to date information right there and then, and it will be immediately taken by our Customer Service team who will then make the necessary changes.

Let me know if there's anything else I can do to help,

Community Manager, Trulia Voices
... more
0 votes 11 answers Share Flag
Sun Mar 18, 2012
Jeff Marr answered:
I'm a lender in the Sacramento area, I can help you analyze your expected returns, and various aquisition costs involved....

BTW - As of Apr of last year, there are no more upfront points charged by brokers, only the big retails companies can still do this (Wells, BofA, Citi, Chase, etc) CAN still pay discount points when buying down the rate. Unless the loan officer is being paid on a hourly basis (not typical), then our compensation is paid to us by the lender, 100% that it..

Re a website to analyze ROI, I don't of one offhand, but again can help you run numbers if you like!

Good luck and best regards, Jeff Marr
Alpine Mortgage Planning
... more
0 votes 9 answers Share Flag
Mon Jul 13, 2009
Mr Credit answered:
Bankruptcy is the only way You can be sure to stop a Foreclosure in it's tracks... Go to or call 1.800.997.1235 and ask for William. Tell him Mr. Credit sent You and get a Free Consultation. There would need to be other reasons to file such as credit card debts, time shares, collections, medical bills, etc. ... more
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