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Carlsbad : Real Estate Advice

  • All277
  • Local Info17
  • Home Buying101
  • Home Selling4
  • Market Conditions19

Activity 263
Thu Mar 16, 2017
Cain.taylor86 asked:
My wife and I moving from Sydney, Australia for my work in Carlsbad. Looking for advice on single bedroom affordable rentals in safe area and close enough for work opportunities for wife.…
0 votes 0 Answers Share Flag
Thu Feb 23, 2017
Shawnanicole21 answered:
Tue Jan 10, 2017
Sheryl Arndt 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
Mon Jan 9, 2017
Tanya Hutchison Brooking answered:
In Aldea of Aviara, there is still one existing Mello Roos (CFD #1 on the tax bill), but it's only about $103/year. It expires 2029.
0 votes 6 answers Share Flag
Wed Dec 14, 2016
Polina Porter answered:
Hello,

You have both options. You can choose an agent to show you multiple properties, or you can choose to email each agent directly, for each property. In California, people usually choose to contact the agent of the property directly so they are not tied to one agent. The reason why is that usually agents want to rent you their listed properties that they are representing. That way they make more profit. If they show you other agents listing, they will have to split the profit. So most likely you will not get to see all the properties available in the area.. Also, be aware of some agents that will try to push for their listing (if you choose to go with one agent). Finding the right agent can get very tricky in California! I do say using this site can be very helpful. I usually just send each agent email directly and usually they respond quickly. It is easy, hassle free, with no obligation. As far as credit, It is not a set rule. It is different for every property owner. Some may accept your UK credit score, some may ask your company to prepay the whole year, some may ask for a large deposit, and some May not even give you any hard time and treat you like a US citizen :D ... more
0 votes 1 answer Share Flag
Tue Nov 8, 2016
Maricris A answered:
Hello,

Once you activate your listing on Zillow, it will appear on Trulia within 24 hours.



Regards,

Maricris
Consumer Care Advocate
0 votes 1 answer Share Flag
Sun Oct 30, 2016
Msmith asked:
The house has 5 bedrooms and 5-1/2 baths. 3 car garage plus a large carport. Full ocean views from all parts of property. Also, many more photos on redfin.
0 votes 0 Answers Share Flag
Wed Oct 19, 2016
Alexander Greer answered:
I am assuming you are asking because you are getting a owner occupied mortgage. If that is the case only the person that is on the mortgage has to live in the property. If both people are on the mortgage then only one has to live in the property.

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
... more
0 votes 1 answer Share Flag
Tue Oct 4, 2016
Vicki Dyar asked:
Mon Oct 3, 2016
Maricris A answered:
Hello,

We display property information on Trulia to provide consumers with transparent real estate information. We receive this information from public records gathered by a third-party data collector from your county. Our mission is to empower consumers with information and tools to make smart decisions about homes, real estate and mortgages. For this reason, we do not remove public record property information from Trulia.

That said, we do have the ability to remove home photos. You may send your request together with your property address via the link below.

Regards,

Maricris
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Mon Sep 12, 2016
Nwansandra answered:
Hello

I'm in the process of purchasing my first home. I was told the this house does not have an HOA or a
Mello Roos. Now that I am halfway throught the Lender states that the has a Mello ROOS. I am Very Frustrated!!! This is my first home and i can't afford. a HOA or a Mello Roos. Can you please help?


Thanks
... more
0 votes 10 answers Share Flag
Thu Jul 14, 2016
Naljirmaac asked:
is any one know or heard about it how you can get into that programm ?
0 votes 0 Answers Share Flag
Tue Jul 12, 2016
Ann Fitzgerald Horst answered:
I highly recommend Monarch at Shadowridge in VIsta, CA. 20 mn drive to beach, max. Great condo quality apartments. You can select a short term lease and you can rent furniture. They also have corporate apartments that are furnished. Just google the complex. You can't get a better deal for a short term rental with the quality of these apartments. ... more
0 votes 3 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
... more
0 votes 1 answer Share Flag
Tue Jul 12, 2016
Anthony answered:
Hello,

Thank you for contacting Trulia. If you are still trying to remove the photos for your home, please write to us via the link below and include the address for the property and we would be glad to assist you. Thank you and have a great day.

http://www.trulia.com/help/ask/
... more
0 votes 1 answer Share Flag
Tue Jul 12, 2016
Anthony answered:
Hi Jessica,

Thank you for bringing these listings to our attention. We have automatic filters that search for potentially fraudulent listings and our developers are always working to improve those processes. At times, some listings do make it through to the site that contain suspicious information. I am addressing these listings now and if necessary we will act to remove them from the site. You are welcome to report any suspicious listings to us here, or you can create a support ticket via the link below and someone will get back to you as quickly as possible. Thank you again and I do apologize for any inconvenience this has caused. Have a nice day.

http://www.trulia.com/help/ask/
... more
0 votes 1 answer Share Flag
Mon Jun 27, 2016
William.swansen asked:
If I purchase an older unit can I tear it down and put a new model on the lot? If I do this can I work with any manufactured home dealer? What are the "gotcha's" if any?
0 votes 0 Answers Share Flag
Tue May 31, 2016
Meganhartwell asked:
This function doesn't seem to be working. I click to save property listing-are green box appears but never changes and then nothing comes up on my board.

Is this function disabled/broken?
0 votes 0 Answers Share Flag
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