Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Home Buying in Carlsbad : Real Estate Advice

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

Activity 108
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
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
Tanya Hutchi…, Real Estate Pro in Del Mar, CA
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
Alexander Gr…, Real Estate Pro in San Jose, CA
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
Maricris A, Other/Just Looking in Seattle, WA
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
Nwansandra, Home Buyer in Banning, CA
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
Naljirmaac, Home Buyer in New York, NY
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
William.swan…, Home Buyer in Carlsbad, CA
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
Gouldcr, Home Buyer in Escondido, CA
Fri Apr 15, 2016
Gouldcr answered:
We are looking at Lanikai Lane but they do not show how much the space rents are? When looking online at Mobil Homes we need to know that. Can you tell me what it is for this park?
0 votes 8 answers 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
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
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
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
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
David Haghig…, Real Estate Pro in Carlsbad, CA
Tue Feb 10, 2015
David Haghighi answered:
San Marcos School District. If you need more details about the specific schools please reach out to us.
0 votes 10 answers Share Flag
1 2 3 4 5
Search Advice
Search
Home Buying in Popular Carlsbad Neighborhoods

Followers

492