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Home Buying in Chula Vista : Real Estate Advice

  • All390
  • Local Info21
  • Home Buying99
  • Home Selling3
  • Market Conditions11

Activity 141
Wed Jul 19, 2017
Alexander Wesley answered:
Think no one is Lending? Think again, Xanda financial is running a relief loan program at this time. For more info, Call 570-521-6506
0 votes 4 answers Share Flag
Wed Jul 19, 2017
Zsa4646 answered:
Markets are different in different areas. As a new investor I think condos are a smart investment than single family home. Since condo expenses are pretty predictable. But back again on our respective choices. If you're in doubt maybe you should check at ; they offer an amazing house but also cost effective. Check them out for expert solution. ... more
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Sat Jul 15, 2017
Kristine.kincaid96 asked:
I'm 21 yo and I'm looking to buy a home, my credit is 625 score and it's a year in a half old, also I'm self employed. Is there any programs available or do I have to put a 20% down in order…
0 votes 0 Answers Share Flag
Thu May 4, 2017
Qnvr answered:
Great article!...My wife and I are looking to buy our first home. I own a small business that just took off this year and my wife has a steadily increasing income. We both wanted to get a home so desperately but got denied twice because of our poor credit score and bad credit history. My uncle who is a loan officer introduced me to this great hacker, he fixed our score to 807 in just 48 hours and up till date we are up in the 800 credit score family. I just have to do this to show how grateful we are for his skills and fantastic services, You can get to him via his email as well if you need to at: (computerworm.hacker(at), He is an expertise when dealing with credit score repair and upgrade,removal of late payments, bankruptcy/criminal records/eviction,phone hacks etc ... more
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Sun Apr 9, 2017
Mays Kuhail answered:
It all really depends on the area you're looking into. When it comes to San Diego, these are the most affordable neighborhoods:

1. University Heights

The numbers:

Median Property Price: $480,000
Traditional Rental Income: $1490
Airbnb Rental Income: $2,459.46
Traditional CoC Return: 04%
Airbnb CoC Return: 25%
Traditional Cap Rate: 59%
Airbnb Cap Rate: 94%
Airbnb Occupancy Rate: 47%

2. Hillcrest

The numbers:

Median Property Price: $522,000
Traditional Rental Income: $1,658.44
Airbnb Rental Income: $2,353.12
Traditional CoC Return: 25%
Airbnb CoC Return: 78%
Traditional Cap Rate: 59%
Airbnb Cap Rate: 41%
Airbnb Occupancy Rate: 56%

3. East Village

The numbers:

Median Property Price: $550,000
Traditional Rental Income: $2,467.08
Airbnb Rental Income: $1,703.31
Traditional CoC Return: 3%
Airbnb CoC Return: 16%
Traditional Cap Rate: 64%
Airbnb Cap Rate: 45%
Airbnb Occupancy Rate: 3%
... more
0 votes 13 answers Share Flag
Sun Dec 25, 2016
Susie Kay answered:
Yes, appraiser will give you the value of your home. Appraiser will compare your home (called subject property) to others in a similar area/subdivision with almost the same upgrades. Adjustment is done accordingly depending whether the subject property is superior or inferior compared to the comps.

I hope this makes sense!
... more
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Tue May 10, 2016
Sheryl Arndt answered:
Hello Amoakopearl, you can immediately but. You may have to go with joint entitlement which may be an issue with VA but it should be fine with CalVet which is one of my specialties. I am also a Veteran and love assisting Veterans.

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 consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7 or
... more
0 votes 3 answers Share Flag
Mon Apr 18, 2016
Dolphinsofia2013 asked:
Wed Feb 17, 2016
MyPrimeHomeLoan answered:
You can use both, yours and your fiancé's income to qualify and your credit. If your fiancé has no tradelines/ credit entries, we have a company that can accomplish that for them IF needed.
I am a local lender right here in San Diego, so feel free to call us and we can help you get started! 1(855)692-3856 x 102
-Kevin Wells, LLC NMLS 1359228
... more
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Tue Feb 16, 2016
Daniel De Leon answered:
How is rent to own a scam?
0 votes 2 answers Share Flag
Mon Nov 23, 2015
Arpad Racz answered:

Starting with obtaining a loan approval would be a good move.

All the best,

0 votes 19 answers Share Flag
Thu Sep 24, 2015
John Arendsen answered:
0 votes 2 answers Share Flag
Thu Sep 24, 2015
Jim Simms answered:
Is it within commuting distance? Will your income continue for at least 3 years after you move into the home? I would require a written VOE instead of a verbal so your employer is responsible for the answer to that last question.

You can’t use an FHA unless you are moving in right away, hence the questions about distance, income, etc. On a conventional loan you could ask for what is called a mortgage for a second home. They will still ask about the likelihood of income.

Jim Simms
NMLS # 6395
Financing Kentucky One Home at a Time
I answer questions about financing real estate based on my decades of experience dealing with mortgage underwriters. This answer is my personal opinion, has not been reviewed or approved by the company I work for. I do not offer legal or tax advice, if you need answers from an attorney or CPA find one knowledgeable in your local market.
... more
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Thu Sep 17, 2015
Cindy Davis answered:
Tue Jul 28, 2015
Michelle Limon answered:

I do not understand the question on the "Escrow Profile" Here is my number and I can help walk you through the VA process. 619-869-0548
0 votes 3 answers Share Flag
Mon Jun 29, 2015
Ruth and Perry Mistry answered:
Hi Ens

Use you can do an advance on your credit cards to get the balance of $50k.
It might be better to take a loan out for the other $50k.

What is you credit like? If it is good you should get a loan easily when you put $50k Down.

God luck.
... more
0 votes 14 answers Share Flag
Tue Apr 28, 2015
Sun Feb 22, 2015
Francisco Lopez answered:
The best way is to have an agent set up that search criteria specifically on the MLS search. I would be happy to do that for you at no charge.

Please email me at with what you are looking for specifically.

Thank you.
... more
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