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Carlsbad : Real Estate Advice

  • All276
  • Local Info17
  • Home Buying101
  • Home Selling4
  • Market Conditions19

Activity 260
Rich Reed, Real Estate Pro in Arcadia, CA
Sat Jan 2, 2016
Rich Reed answered:
You are supposed to be able to "Edit Home Facts" on the information page for your property. I have tried it on my own property, Trulia sends me a link to verify my email, but their system appears to be broken. I have opened several tickets with them, which they never responded to. Later, I opened a ticket on Zillow about Trulia and they responded but didn't fix anything. Good luck! ... more
0 votes 1 answer Share Flag
Dina Polselli, Real Estate Pro in Rochester, NY
Mon Nov 16, 2015
Dina Polselli answered:
Usually Builders are paying buyer's agent compensation. There are a few exceptions when builders do not compensate the buyer's agent.
~Dina Polselli
0 votes 32 answers Share Flag
Dan Tabit, Real Estate Pro in Issaquah, WA
Sun Sep 13, 2015
Dan Tabit answered:
Carrie,

Rental scams are common here and on any site that allows the general public to post. Please be very cautious with deals that seem too good to be true. NEVER send money expecting keys back by mail.
You can search the address in any search engine to see how the homes are advertised elsewhere. If one listing is much cheaper than other places, it's likely a scam.

Read the scam warning Trulia posts. I've attached a link to it below.

When you find a questionable listing please go to the More button on the listing and then hit the FLAG button on the listing page to warn Trulia and others or email it to Rentalfraud@Trulia.com.
... more
0 votes 3 answers Share Flag
Daniel Lehman, Other/Just Looking in San Diego County, CA
Fri Jul 17, 2015
Daniel Lehman answered:
If the seller wants to pay for the contractor out of his proceeds, that doesn't affect the loan transaction at all. This is not a HUD/Structure issue. Its a "funder who is reading the issue wrong" deal. Whether the contractor is paid in cash outside of escrow, or if he nets less money, that has ZERO to do with the buyers transaction, or the lender. We would have no problem funding this.

Daniel
... more
0 votes 5 answers Share Flag
Daniel Lehman, Other/Just Looking in San Diego County, CA
Thu Jul 16, 2015
Daniel Lehman answered:
1) Willing to advise. No "Yes men/women" No "commodity" agents.
2) Will actually CHECK comps and advise on good price point depending on demand.
3) Truly PARTNERS with their lender, and works as a team for the clients benefit
4) Knows how to package an offer. Makes the offer stand out.
5) Educates clients throughout the process.
6) Keeps strong communication on a consistent basis.
7) Knows how to listen and draw out key components and wants/needs.
8) Runs their business like a business, not a hobby.
9) Has an opinion about market trends and movement
10) Has an opinion and expertise related to local market where buyer is purchasing.

My two cents. If I were an agent, these would be my top 10.

Daniel
... more
0 votes 16 answers Share Flag
,  in
Fri Jun 26, 2015
answered:
I have not heard of any builders doing buyouts, do you want a brand new home or are you open to what is available?

You may wish to avoid the new homes as they may have more taxes. You should be able to transfer your prop 13 tax rate to the new home but new homes ussually have additionalal assesment district and or mello roos taxes. This could raise your tax rate by hundreds of dollars every month, you could pay $500 more a month in taxes if you do it wrong. Check with the county recorders office before buying anything to know what your new tax rate will be, before closing on anything.

A good agent will make the arangements you need to make the transaction without renting anything. If you need the name of an agent that can help you with that please contact me, I know of one that works in your area.

Corey La Scala below sounds like a good agent too. But really, a good agent will help you avoid the problem.
... more
0 votes 16 answers Share Flag
Edward Philb…, Real Estate Pro in Vista, CA
Mon Jun 8, 2015
Edward Philbrick answered:
I recommend you take a look at the training provided by SDAR or North San Diego County Association of Realtors. They provided excellent online and classroom training programs.
0 votes 4 answers Share Flag
Andy Brown, Real Estate Pro in Carlsbad, CA
Thu May 14, 2015
Andy Brown answered:
Hi Craig. You may be able to streamiline and lower your MI by .5% which could be significant depending on loan size. Let me know if I can help.
0 votes 7 answers Share Flag
Andy Brown, Real Estate Pro in Carlsbad, CA
Mon May 11, 2015
Andy Brown answered:
We have 95% jumbo financing available up to $850k loan amount.

abrown@guildmortgage.net
760-607-6401
0 votes 23 answers Share Flag
Sunny Brian…, Real Estate Pro in Oceanside, CA
Fri May 8, 2015
Sunny Brian SD asked:
Own a land located in Washington State the property is valued at 24k, need 10k. Please recommend a lender who is willing to help a Property Operation Manager acquire new clients, in turn…
0 votes 0 Answers Share Flag
Cindy Davis, Real Estate Pro in San Diego, CA
Wed May 6, 2015
Cindy Davis answered:
Hard question to answer Paula...every community has properties that are 'first time buyer' properties. Take a good look at features such as central heat/ laundry in unit, A/C, parking as well as quality of construction.

Take Care.

Cindy Davis, Broker
SD Home Source Realty
Phone: (619) 379-8616
www.1sandiegohomesales.com
CA DRE #01363537
... more
0 votes 1 answer Share Flag
Jennifer Car…, Real Estate Pro in Carlsbad, CA
Tue May 5, 2015
Jennifer Carlos answered:
Try focusing your search in the 92008 area of Carlsbad. There are several areas within this zip code that do not have HOA's.
mailjencarlos@gmail.com
0 votes 5 answers Share Flag
Jennifer Car…, Real Estate Pro in Carlsbad, CA
Tue May 5, 2015
Jennifer Carlos answered:
Jan, There are some manufactured homes in Carlsbad specifically for seniors that do qualify for home loans due to their permanent foundation status. I know of one home in particular that is currently for sale in the highly coveted Camino Hills of Carlsbad and is FHA approved. Other parks to try…Lakeshore Gardens and Rancho Carlsbad. If you would like more information on any of these parks, I'd be happy to help you. My mother in law lives in Camino Hills 55+ park and is very happy there. I am familiar with these homes and the purchase of these manufactured homes. mailjencarlos@gmail.com ... more
0 votes 3 answers Share Flag
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Fri May 1, 2015
Sheryl Arndt answered:
Hello designaw, lease option to buy properties want atleast 10% down or more and also want an additional 3% fee while raising your rent annually until you qualify to buy. You may already 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 but only up to 417k. You may consider 3% down conventional from a minimum 620 fico score up to 417k.

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

You will need to be pre-approved if you decide to buy 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, home price, loan program and how much you want to invest into the down payment and closing costs.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary. 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 Thank, Link or Best Answer.
... more
1 vote 1 answer Share Flag
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Fri May 1, 2015
Sheryl Arndt answered:
Hello mahendra.kondur, are you in escrow? You may qualify for the Access .5% half percent down payment assistance which does have a higher income limit and the income limits only pertain to who ever is on the loan application not the household income and you only need a minimum 580 fico score to qualify.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, home price, 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.

It only takes a few dozen questions to qualify and go over your options. 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 Thank, Link or Best Answer.
... more
0 votes 2 answers Share Flag
Cindy Davis, Real Estate Pro in San Diego, CA
Tue Apr 21, 2015
Cindy Davis answered:
There tend to be few lease option homes available these days - the seller's market is strong Why not just rent?
0 votes 1 answer Share Flag
Arpad Racz, Real Estate Pro in San Jose, CA
Sat Apr 11, 2015
Arpad Racz answered:
Hi,

Are you focusing just on the Carlsbad area, or elsewhere also ?

All the best,

Arpad
0 votes 1 answer Share Flag
David Haghig…, Real Estate Pro in Carlsbad, CA
Fri Apr 10, 2015
David Haghighi answered:
Hello, it take a few hours to update the system. )
0 votes 1 answer Share Flag
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Wed Mar 25, 2015
Sheryl Arndt answered:
Hello Bita, you will need to be pre-approved to know your purchasing power and 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, home price, 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.

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

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 Thank, Link or Best Answer.
... more
0 votes 8 answers Share Flag
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Tue Mar 17, 2015
Sheryl Arndt 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!
... more
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