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92694 : Real Estate Advice

  • All19
  • Local Info2
  • Home Buying11
  • Home Selling3
  • Market Conditions0

Activity 17
Mon Apr 24, 2017
DanielJoe asked:
Seems to me Ladera and some of Orange County is reaching a price pinnacle; not to say the bubble is going to burst, but the price surge has tempered - seeing lots of price drops; what are…
0 votes 0 Answers Share Flag
Tue Jul 5, 2016
It is hard to say that we have had a bubble just yet. I have seen several areas where it is clear we had one, Big Bear is the best example. Prices doubled there now everything is for sale and nothing is selling. San Diego prices have really gone up. Big Bear is a Bubble, San Diego may be a bubble.

What we see in Ladera Ranch does not seem to be a bubble.

While prices in OC have gone up it is measured compared to San Diego County and Big Bear. While prices might drift down, if and when these other prices do, and they will likely drop some first time there is talk of higher interest rates. But OC and LA prices are linked as they are joined.

The fact is no one knows, anyone who says they do doesn't know they don't know. It sounds like you are selling one property and buying another, OK then it does not matter, they will most likely move in tandem to some extent.
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1 vote 1 answer Share Flag
Thu Jun 11, 2015
Mayailaa answered:
The cost of this policy is $3.75 per $1,000 of the loan amount for the first $250,000 and $3.25 per $1,000 from $250,000 to $500,000, and $2.75 per $1,000 from $500,000 to $1,000,000. Most purchasers opt to purchase Owner's title insurance, which is $4.75 per $1,000 of the sale price for the first $250,000 and $4.25 per $1,000 from $250,000 to $500,000, and $3.75 per $1,000 from $500,000 to $1,000,000. When an Owner's Policy is issued, a Lender's Policy can be issued for a $25.00 simultaneous issue fee.

Title Insurance is negotiable. You should be able to at least get re-issue rate which should save you about 25%+.

Reference Link:
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2 votes 10 answers Share Flag
Mon Feb 2, 2015
Rick Barnes answered:
Life in Coto is much more private than in Ladera. If you are primarily looking for a community that hosts frequent social gatherings I think Ladera Ranch would be an easier group to join, though Coto is a very friendly neighborhood as well. Ladera is much more open with easy access to trails, shopping, and community centers.

Let me know if you have any questions and I would be happy to answer them for you.

Tom Bertog
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0 votes 15 answers Share Flag
Mon Apr 28, 2014
Dave Gubler answered:
Multiple reasons are possible ivermor. It would be best to provide the actual address and we can easily determine why. Some possible explanations are... home is now listed by a different agent or brokerage, the listing agent deleted the previous Trulia listing and added it back, the home sold (investment/fixer) - was remodeled and is now on the market again. These are just a few of the possibilities. Again, with the actual address we should be able to easily determine what is going on. ... more
0 votes 5 answers Share Flag
Tue Apr 8, 2014
nktokyo answered:
Thank you for your help. We have a wonderful agent who came to us via recommendation. I'm excited but a little nervous about moving to OC. I'm a Democrat and one who hates the flashy, pretentious Hollywood scene.

I know there are nice people everywhere; hoping we find the right neighborhood! Everyone seems to love it there.
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0 votes 6 answers Share Flag
Tue Apr 1, 2014
Patricia M Woods answered:
Thanks for your question Hemath! Do you have any investment property besides the condo now? The loan qualifications depend on whether you have a two year history as a landlord reflected on your Schedule E on your tax returns for the past two years.

In order to get a custom quote and to be confident in your purchase power, Chase does offer a loan approval process prior to you buying. If you are interested in finding out what the qualifications are I can be reached on my cell phone at 949-307-2082 or you can fill out an application on my website that gets the inquiry started at

Please let me know if I can be of further assistance to you!

Patty Woods
nmls 47870
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0 votes 16 answers Share Flag
Thu Feb 6, 2014
Terry McCarley answered:
Fri Jan 10, 2014
Thom Colby answered:
Indi -
Congrats and wishing you the very best as you move forward !

Thom Colby
Broker / Owner
BRE# 01398570
Moving Lives Forward (TM)
0 votes 17 answers Share Flag
Sun Jan 5, 2014
Larry Webb, Ph.D., MBA answered:
The best deal is the one you can walk away from!

Dr. Larry Webb, MBA
Broker Associate - REALTOR
(714) 222-1465
Century 21 Fine Homes and Estates
Ladera Ranch
CalBRE# 01413405
Website/Video Biography:
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0 votes 8 answers Share Flag
Wed Dec 18, 2013
Larry Webb, Ph.D., MBA answered:
I'd be happy to help. Each property is unique. Let me know the particular property you are interested in and I will run the numbers for you...

Dr. Larry Webb, MBA
Broker Associate/Agent – REALTOR®
(714) 222-1465
Century 21 Award - Fine Homes & Estates
South Orange County, California
Video Biography:
See my professional recommendations on
CalBRE Real Estate Broker’s License: 01413405
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0 votes 9 answers Share Flag
Tue Oct 15, 2013
Matt Allsopp answered:
We can do a High balance first to $625,500 and a Heloc second for an additional $350k up to 89.99% CLTV.

That is as close as you will get because a portfolio Jumbo loan will not be available 3 years out of a short sale. ... more
0 votes 17 answers Share Flag
Sun Oct 6, 2013
Mary Lou Adame-Martinez answered:
Definitely Ladera ranch. Let me know if you are still looking? I have a client who is interested in selling their 3 br town house.
0 votes 22 answers Share Flag
Wed Jul 17, 2013
Larry Webb, Ph.D., MBA answered:
The best advice is to consult with appropriate legal counsel. REALTORs are not legal advisors and some in this thread have given you the best answer....highly recommend you consult with a legal pro.

Larry Webb
Real Estate Agent | Broker Associate | REALTOR
Century 21 Fine Homes and Estates
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0 votes 12 answers Share Flag
Mon Jul 1, 2013
Larry Webb, Ph.D., MBA answered:
Hi Zandro, Those that have specified exact numbers in their responses may not fully understand the escrow process. There are too many variables to provide you an exact answer. Your best bet is to actually contact a REALTOR to give you a better idea based on your particular situation. Best of luck, Larry Webb, Broker Associate, Ladera Ranch, Century 21 Award, (714) 222-1465 BRE# 01413405 ... more
0 votes 9 answers Share Flag
Fri Aug 10, 2012
Karen Parsons Fiddler answered:'s a closed MLS. I have a home there. You might be able to get some cooperation from an agent there for a split and also there are quite a few listings in the MLS, but not all of them will be in the CARETS system. ... more
0 votes 5 answers Share Flag
Sun Jul 8, 2012
Debra (Debbie) Rose answered:
I wonder, since aksing this question almost 3 years ago what Rachel's opinion of twitter is now..........Rachel? Are you still here reading this?
0 votes 24 answers Share Flag
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