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92129 : Real Estate Advice

  • All57
  • Local Info2
  • Home Buying35
  • Home Selling4
  • Market Conditions0

Activity 53
Thu Nov 16, 2017
Stephen Gretchen answered:
Fico scores are essential to receiving low interest rates on a home, the lower the rate the lower the score. One of the things is, make sure the client does not have a bankruptcy or tax lien prior to applying for a home loan. One of the best solutions I found in Texas to remove tax liens and bankruptcies are Best Texas Credit Pros. ... more
0 votes 120 answers Share Flag
Tue Oct 10, 2017
Xu.xiaoshun asked:
Hi there,

I'm the new home owner of

Could you please help to delete the photos there?

0 votes 0 Answers Share Flag
Wed Sep 27, 2017
Faith answered:

To post your home for sale by owner on Trulia, click the link below and select Submit listings for sale.

You will be redirected to our partner site, Zillow. Once you activate your listing on Zillow, it will appear on Trulia within 24 hours.

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

Thank you for using Trulia!

Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Mon Aug 14, 2017
Susanmorganjr answered:
Have been battling my credit scores and repair companies for awhile , my lack if credit management ill say affected the choices i made with my credit history, i needed my credit score improved from 580 ,511 and 573 ,i needed my score to be in the 700 plus A colleague told me about HACKWIZatPROTONMAILdotCOM , well have lived all my life in bad credit ,i had nothing to lose ,to my surprise after giving the required information i was informed to my understanding about the process, ALL my late payments, inquires ,collections and public record were completely removed from my credit report and in less than six week ,i watch my score grow to 752,720 and 708.if you're in this too, you can hit them up and thank me later. ... more
0 votes 44 answers Share Flag
Thu Jul 13, 2017
Wei Deng asked:
We are buying a house around $800000 in San Diego. The title company is charging $2100 for ALTA loan policy. Is this fee the responsibility of buyer? We have not heard of this cost before,…
0 votes 0 Answers Share Flag
Thu Jul 6, 2017
Alvinely2 asked:
Thu Sep 29, 2016
Sims asked:
It was supposed to have gone to auction this past April, but that fell thru. Then we heard it would be October, but nothing seems to have happened. The house is harming the neighborhood…
0 votes 0 Answers Share Flag
Wed Jul 13, 2016
I would never suggest a borrower provide their personal or financial information to any real estate agent, whether they are the buyer's representative or not. All documentation in a loan file is confidential and should be treated as such.

If, in the unlikely event, I have difficulty getting documentation from a borrower I may ask their agent to contact them and prompt them as to the importance of getting documents returned promptly. But that is a far as I would ever go.

All my best,

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0 votes 7 answers Share Flag
Fri Apr 8, 2016
Derek Jones answered:
I see your understanding of the situation but when you bought the house did you pay what you felt the home was worth? I'll assume that's a yes. The home was also appraised to indicate what the home is worth. Your purchase price and the appraised value had nothing to do with commission. Would an appraisal or your thoughts on value of the home change if commission changed? No they would not. You are financing the purchase price that you felt the home is worth.

When a listing agent takes a listing they don't say " Ok Mr. and Mrs. Seller your home is worth $300,000 and I charge $10,000 so let's list it at $310,000. It's your home worth $300,000 and I'll charge you $10,000 so we are listing it at $300,000 and I'll take my $10,000 out of your proceeds so your net is $290,000.

Other places in the country buyer's do pay their agent's commissions but not here.
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0 votes 3 answers Share Flag
Thu Feb 18, 2016
Nancy Bergman answered:
Contact the builder for the Mello - Roos question. Some areas are higher than other.
Regarding the shopping center I would contact the PQ Town Council to get the details of the shopping center.
Nancy Bergman

Nancy S Bergman
Realtor - Cal BRE #01893550
Windermere Homes and Estates
14677 Via Bettona #120
San Diego, CA 92127
Cell (858) 617-9449
Email -
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0 votes 3 answers Share Flag
Tue Jan 12, 2016
The credit model is such that within a 30 day period as long as the entity pulling your credit is a mortgage lender, your credit score will not be impacted.
This allows you to show for a lender.
Be careful, you will be impacted on that 31st day. Each credit report that is run after that 31st day will effect you, as well.
Wait 90 days from the first 30 days and your credit, once again, will not be effected.
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0 votes 3 answers Share Flag
Wed Nov 11, 2015
Kari McCoy answered:
The listing agent usually opens escrow, yet it can be the buyer's agent also. No rule, just needs to be opened.

I wish you the best!
0 votes 21 answers Share Flag
Fri Oct 9, 2015
When you get your credit checked for a mortgage, it opens a 30-day window so you can have your credit checked by other lenders without having further negative impact on your score. So the first inquiry will ding your score, usually a few points... but then for the next 30 days you can have your credit checked by other lenders and their inquiries won't lower it any further. But on day 31 if you get your credit checked again by a mortgage lender it'll hurt your score again.

Shane Milne | Lending in all 50 states | NMLS #81195 | 949-273-4161 direct
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0 votes 1 answer Share Flag
Thu Oct 8, 2015
Valli Lopez answered:
Usually the front end needs to be under 46% to get "DU" to accept the loan as approve/eligible. There are compensating factors that help DU read you as less risky and you can go slightly over 46% on the front end. Most lenders can go up to 60% on the back end not understanding that the front end matters too. Call me if you need my help.

Valli Lopez
NMLS 980530
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0 votes 3 answers Share Flag
Mon Sep 28, 2015
John Reeves - YOUR HOME SOLD GUARANTEED answered:
Thu Aug 6, 2015
John Reeves - YOUR HOME SOLD GUARANTEED answered:
Yes you have just posted , you can post now a question just do what you did from the first question.
0 votes 2 answers Share Flag
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