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Laguna Niguel : Real Estate Advice

  • All107
  • Local Info10
  • Home Buying27
  • Home Selling7
  • Market Conditions8

Activity 67
Yesterday at 6:44am
Rob.spinosa answered:
I am able to finance to a loan amount of $3MM with as little as 10% down (in CA only). There are a number of ways we can accomplish this and when structuring jumbo financing with a 10% down payment we will use either a single loan (without PMI), an 80-10-10 (also known as a "piggyback") or we will use the Unison homebuyer program. The choice comes down to both the scenario itself and the borrower's qualification criteria.

I am an expert in 10% down jumbo financing and happy to be of service. Let me know any questions at any time. Thank you!
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0 votes 21 answers Share Flag
Tue Jan 16, 2018
Kymberly Cleem answered:
Hello Sonjacorich333....

If you haven't purchased a Home as of yet, and you're not working with any other Lenders, I would be happy to discuss our different Loan products for first-time homebuyers with you in detail and we can see if we can get you pre-approved for a Home Loan. Please feel free to contact me at any time.

Kymberly Cleem
NMLS#: 1674394
Cell- 714-337-0292
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0 votes 2 answers Share Flag
Tue Sep 19, 2017
Nicole Fedorchek answered:
You can post it on Zillow, which feeds into Trulia. Or you can list it with a Realtor, and it will go in the MLS, as well as over 100 websites.
0 votes 1 answer Share Flag
Wed Jun 7, 2017
Doug Johnson II answered:
I understand this is a late response by almost 3 years, however 1st Signature Lending out of Indianapolis, IN offers VA lot and construction loans that you are asking about. Hope this helps anybody that is looking for the same answer. ... more
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Wed Feb 15, 2017
Nicole Fedorchek answered:
Keys are usually given when escrow closes, unless the buyer/seller have agreed to an earlier or later time.
0 votes 1 answer Share Flag
Mon Jan 2, 2017
Chelsiepaige23 answered:
We recently closed on a home loan with Homestreet Bank (out of San Diego) and could not be happier. Our Loan Officer, Niki Campbell, was without a doubt the absolute best person we have ever worked with during many, many years of home buying throughout the US. She was always available with fast, friendly, knowledgeable, and extremely professional responses - whether we contacted her via phone, email, or text.
Niki worked very hard to get all our documents in order, processed, and approved so that we could close in less than 3 weeks (amazingly fast - at least for this area). Even after closing and the loan fully funded, Niki followed up to say "Congratulations" and to ensure we were satisfied and also to see if there was anything she could do for us. If only all account executives were this friendly and professional...

Our hats off to Niki and Homestreet Bank - thank you very much for all you've done for us. We highly - highly recommend calling Niki if you need a home loan at (619)-550-7541.
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0 votes 7 answers Share Flag
Tue Nov 22, 2016
Nicole Fedorchek answered:
The best thing to do is to hire a Realtor (like me!) that handles rentals. A Realtor will ensure that you get the best possible tenants, by doing a thorough screening process! I also handle all the showings, all the paperwork, and make sure that your interests as a landlord are protected!
Contact me today for more information!
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Sat May 7, 2016
Dedicatedsls1 answered:
I have had a very negative experience with the Jeff Adams Education Group. I'm not
sure is that is at all related with TCS Foreclosures.

Please write me back if you or others you know have lost money, etc. through the Jeff Adams affiliations.
My phone number to text is 1 602 478-2545. Thank you Stanna Lee
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0 votes 63 answers Share Flag
Mon Apr 18, 2016
Derek Jones answered:
Are any of these the correct Bob?
0 votes 1 answer Share Flag
Sun Feb 21, 2016
Patty Tester asked:
Sun Jul 12, 2015
Helen Smith answered:
They change the character of the neighborhood. I wouldn't buy near one.
0 votes 3 answers Share Flag
Wed Apr 8, 2015
Lisa Orenge answered:
You give the keys to the buyer the day the property records / closes.
But please refer to your purchase contract. If the date / time has been changed on that, you must go by what it says. ... more
0 votes 14 answers Share Flag
Wed Mar 4, 2015
Kristin Halton answered:
Every buyer is different! Some buyers may like the look of a front courtyard better than the look of a traditional front yard, if it is done well, so that really comes down to preference. I do suggest that you make sure to look into getting any of the permits beforehand so that when the time does come to sell, you wont have any problems with city inspections in regards to the sunroom. Make sure to get a few bids if you plan on having this done as well!

Kristin Halton
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0 votes 2 answers Share Flag
Wed Mar 4, 2015
decide what you want and then get three bids. There are too many variables for anyone to answer.
0 votes 1 answer Share Flag
Wed Mar 4, 2015
I worked for a few months as termite inspector back in the 1980's (I hated the job but it paid well.) Now I am a realtor / lender.

I am local and I would recommend you call me and have me look at what you are having.

I would just be doing it as a favor, I am no longer in business. But here is the low down on wood infecting organisms. I could save you a couple of thousand dollars on this. My phone number is 714-421-1037.

The termite issue needs to be handled either as soon as the house is listed or before. Do not wait until the last minute to deal with it. I can cause delays in closing your escrow..

Most of that stuff can be handled quite easily, but if the termite inspector puts it on their report, then it becomes a public record and then you will need a notice of completion to get your house sold. So not handling it correctly could cost you a couple of thousand dollars, and I bet you probably have something better to spend it on.

1. Dry-wood Termites. The most common problem is dry-wood termites. i recommend just removing the wood and replacing it.
A. If this is an option then you want to do it before the inspector. Otherwise it will become a public record and you will need a notice of completion to get rid of it.
B. While I think the most effective method is to replace the wood, to get the notice of completion may require an expensive fumigation.

My problem with Fumigation is I do not think that Vikane is very effective and they no longer allow methyl Bromide fumigation. However sometimes a fumigation is really the only thing that you can do and is needed. Expect to pay $2000-$10,000 depending on a few factors like the size of the house.

Please note I am not advocating covering up problems and trying to pawn them off on an unwitting buyer. I just think that this is the most effective way to do it, it just happens to also be the most cost effective. When you sell a house the homeowner has 2 years to discover problems and come back to the seller. Do not try to sweep any problems under the rug.

I have been a licensed real estate agent and have seen termite issues come up months and years after the close of a house at least 5 times. It is a common occurrence and if handled wrong could lead to costly litigation.

2. Wood Rot. The 2nd most common item is wood rot. If the wood is damaged, you need to simply remove and replace the wood. If not you may be able to scrape off the wood fungus and paint the wood with treated paint.

3. Subterranean Termites, These termites can cause the most damage. Again you need to remove and replace the wood. You then need to treat the soil. This is not that hard, I do quite often.

Another mistake is to have the home inspected, and then have a third party do the work. Either do the work then have the home inspected or have the termite company do the work. Otherwise the seller is still liable for any termite problems that might come up later.

My guess is that you will not know which is which. So if you have some kind of an issue then you really should call me out and I can look at it for you. My cell is 714-421-1037.
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Richard Litt…, Real Estate Pro in Orange County, CA
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Wed Mar 4, 2015
Inquiry Mind asked:
I would like to make my kitchen an open concept but that means I have to move the fridge closer to dining breaking the triangle rule (sink, cooktop, fridge together). Kitchen is very important…
0 votes 0 Answers Share Flag
Wed Feb 11, 2015
JON Ettelson answered:
HI Donna,
I have a new listing on the market in Niguel Shores. Please let me know if you would like more information. Have a great day!
0 votes 17 answers Share Flag
Sun Jan 11, 2015
Chris I have a couple programs please call me
(949) 784-9699
0 votes 4 answers Share Flag
Wed Nov 26, 2014
JON Ettelson answered:
Ask your agent to do Comparative Market Analysis to find an appropriate value for the home(then offer a little below that). Good Luck!
0 votes 8 answers Share Flag
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