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Carmel Valley : Real Estate Advice

  • All34
  • Local Info4
  • Home Buying11
  • Home Selling1
  • Market Conditions0

Activity 24
Sun Jan 22, 2017
Mike Lewis answered:
Checking in with you to see if everything went well with your rental, Are you still stationed at Miramar? Have you considered buying a home or condo in the area? Please let me know I am a local experts and I'm also a US Marine Veteran and I would love to help.
Mike Lewis
San Diego Keller Williams Agent
The Lewis Team - 619-981-3918
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0 votes 6 answers Share Flag
Sun Jan 22, 2017
Mike Lewis answered:
Hi Monica,
Your question, "How much is owners title insurance policy?" is a good one. As in the other answers below, it's based on your purchase price. What is the purchase price of the property?
Mike Lewis
Keller Williams Carmel Valley
The Lewis Team
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0 votes 5 answers Share Flag
Sun Jan 22, 2017
Mike Lewis answered:
Hi Suzie,
I would love to help, I'm the area expert in Carmel Valley. First of all which property are you referring to. You can also search for Carmel Valley real estate, homes and condos either for sale or rent on this site
Please call me if I can help.
Mike Lewis
The Lewis Team at Keller Williams Carmel Valley
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0 votes 4 answers Share Flag
Sat May 28, 2016
Ynz9 answered:
I also thought that Pickford Escrow was a scam. That's how I found this page. They are trying to charge me $2,200 all tolled fees on a $267K loan. It seems high, so I contact my agent, the escrow officer, and my lender agent to try to figure out why it is so high. They all tell me to talk to the other person, it's their fault. My lender tells me that a seasoned agent usually has a "relationship" with the escrow company. I tell my agent this, and she denies it. No biggie, but she seems really defensive about it. I always think deep when something sticks out from the day as unusual. Then it dawned on me that every service along the way I was given a choice, but my email trail showed me that my agent has simply "chosen" Pickford for me. So, I think their is some tainted water here, but do I have the time and the money for a lawyer? Especially after my agent quick-sold me on a contract that has binding arbitration, all why we were alone in the viewing property. Very shady. So, one week before closing, I am contacting other escrow companies for a better price. Virtually no information on the web about switching escrow companies in mid stream, but we shall see. Wish me luck! ... more
0 votes 15 answers Share Flag
Sun May 10, 2015
kristen dale answered:
Do not waste your time with this web site. Not 1 of the 15 rentals I reached out to returned request. This place is not helpful. It was very disappointing because I would see perfect home, contact for info and never hear a word back. ... more
1 vote 2 answers Share Flag
Sun Oct 20, 2013
Jacques Albrecht answered:
Try visiting the link below, these apt are right where you want to go.
0 votes 2 answers Share Flag
Sun Oct 20, 2013
Jacques Albrecht answered:
Contact Torrey Ridge Apt Homes Homes they are located between three great elementary schools in Carmel Valley near East Ocean Air.
0 votes 2 answers Share Flag
Mon Oct 7, 2013
Diane Kephart-Bancroft answered:
Hi- I would be happy to. I have been covering Carmel Valley for 10 years and know all the neighborhoods extremely well and can point out the best family area. I also live here in Carmel Valley and love it here.

Please feel free to call or email me.

Warm Regards,

Diane Kephart, Realtor
Real Living Lifestyles Real Estate
1312 Camino Del Mar
Del Mar, CA 92014
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0 votes 3 answers Share Flag
Thu Sep 5, 2013
Deborah Garvin answered:
Rates/points are in CONSTANT movement and monitoring rates 24 hours a day will do little to ensure you get the very best rate. There are numerous factors that affect the cost of borrowing money, credit scores are just the tip of the iceberg. Add:

Type of property
Location of property
Type of loan program
Amount of down payment
Debt to income ratios
Purpose of loan: Purchase, Refinance, Rate and Term versus Cash Out
Amount of loan

Further, at the end of the day, the lowest possible rate doesn't mean a thing if the loan does not provide you the very best short and long term financial advantage. And, there are a lot of lenders who advertise very, very low rates...but they cannot perform to close a loan on time, or at all.

I have a current borrower who thought the lowest possible rate was his goal...until the online lender took three months to decline his file and he was at risk of losing $100,000 of equity when the contract expires and the owner threatened to cancel the transaction. I have salvaged the file in less than a week and docs are being ordered...guarantee you, the borrower does not care if I have the lowest rate in town.

All my best,

NMLS #279125
WJ Bradley
"We Listen. We Care. We Deliver."
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0 votes 4 answers Share Flag
Fri Aug 23, 2013
Benie answered:
It depends on what escrow company is handling the file and who your lender is. If your lender charges origination fees than yes it can be at 3%. Some escrow companies have outrageous junk fees that they charge and this can effect the amount of closing costs. My company doesn't charge origination and we may be able to help with some of the closing costs. ... more
0 votes 9 answers Share Flag
Sun Jan 27, 2013
fredeckert answered:
In California, If you were buying a moblie home, affixed to the lot and a the lot it sits on, you should be able to get title insurance. If you are just buying the mobile home and leasing/renting the lot, you can't, since you would come under the DMV, with a license! ... more
0 votes 1 answer Share Flag
Mon Jan 14, 2013
Sinead McAllister answered:
Good Morning,
I show two homes in this complex for rent. I think you are referring to unit #306. Let me know if you need assistance scheduling an appointment to see it.

Sinead McAllister
McAllister Homes Real Estate
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0 votes 2 answers Share Flag
Sat Nov 24, 2012
Joan Patterson answered:
Do you know what the comparable homes are selling for in the market? Remember, they don't have to sell to you. Your price may be too insulting. The problem you are facing is there is a lack of inventory out there right now. If the seller does not need to sell, and they know how much their home is really worth-why would they need to lower their sales price? They can just wait for someone who is willing to pay the price (if it really is not out of line with the current market). We are not in a declining market right now.

Make sure you know the true value of the home, otherwise, you are wasting everyone's time. If you really don't love the home then maybe you should look at others out there. Your realtor should be able to tell you if the home is listed too high. If it is, then decide what price you would like to pay. It looks like the seller is not willing to go $80,000 below asking. So, you need to decide to come up to their asking price or someone else may.

Joan Patterson, B.A., G.R.I., Realtor, License #01431647
Keller Williams Realty
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0 votes 21 answers Share Flag
Mon Aug 6, 2012
For Sale By Owner In Carmel Valley answered:
In the beginning, Carmel Valley had two major developers: Baldwin calling their area north of SR56 "Carmel Del Mar"; and Pardee who called their area "Del Mar Highlands". You can see these name references on monument signs or street signs within Carmel Valley, especially near Torrey Pines High School. Happy house hunting in Carmel Valley, Carmel Del Mar or Del Mar Highlands. (And south of SR56) Whatever you call it, it's a GREAT place to live! ... more
0 votes 9 answers Share Flag
Mon Aug 6, 2012
The Medford Team answered:
Tue Jul 17, 2012
Brian Monjazeb answered:

From a lending standpoint, you will receive the property free of any encumbrances other than the mortgage you take out on the property. You and your lender wll be protected by a Lender & Owner's Title Insurance Policy.

The reason a property is sold throught the Short Sale process is the current owner has displayed to their lender that they are in financial destress and can not continue to own the property. In a large majority of these situation there are missed payments, back property taxes due, and even Tax Liens for past due State and Federal Taxes. The payment of these items is negotiated between the seller, their lender and sometimes the buyer. However the payment of these items is worked out, you will receive the property free and clear at the close of escrow.

Brian Monjazeb
Reginal Vice President
All Western Mortgage, Inc.
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0 votes 7 answers Share Flag
Tue Jul 17, 2012
Cindy Davis answered:
Purchase price should be based on recent sales within the same gated, complex regardless of how the property is listed. Agents make mistakes and don't usually research every item before they list...

My guess is that the property you are discussing is in a planned unit development which is quite different from condo ownership. You do own the land but are merely subject to the CC & R's of the gated community.
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0 votes 5 answers Share Flag
Tue Jul 3, 2012
John Arendsen answered:
I'm not seeing any details about the scam. Could you please elaborate as to the type of scam it was?
0 votes 6 answers Share Flag
Tue Nov 29, 2011
Anna M Brocco answered:
Since no link is visible, either directly contact the listing agent, or any local agent/realty office can also help you, they all have access to the same information, or if you know who management is, contact them... ... more
0 votes 2 answers Share Flag
Wed Oct 26, 2011
Annette Lawrence answered:
Don provided a very thorough overview of what to consider. (TU) It is my hope you choose what is best for the homeowner (their timeline may be the most significant factor) rather than what is most expedient for the listing agent.

If this home possesses 'one of a kind' attributes (noise is not an attribute) that adds to quality of life or even tangible value, your how owner may be better served by waiting for 'the' buyer. I've sold noise homes to folks who never go outside and to those whose outside venture was a plunge in the pool and back inside they went. Some didn't even hear the background noise because of the environment they just left.

The level of the noise is a significant factor. If one can continue a conversation the problem is minor. If however, one must signal a 'time-out' for the train to pass, that would not be minor.

Please, as a last resort, sacrifice the homeowners equity and lower the price.
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0 votes 19 answers Share Flag
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