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Home Buying in Laguna Niguel : Real Estate Advice

  • All105
  • Local Info10
  • Home Buying26
  • Home Selling7
  • Market Conditions8

Activity 22
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
Sun Feb 21, 2016
Patty Tester asked:
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
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
Wed Nov 26, 2014
JON Ettelson answered:
I love Beacon Hill. Reasonable prices, great schools, 2 miles to Salt Creek beach, 3 awesome pools, 6 tennis courts and really cool neighbors! Good luck.
0 votes 14 answers Share Flag
Wed Apr 2, 2014
Steve Colvin answered:
Hi Rachel, 200k home loan will depend on how much money you have down. Assuming 200k is around the purchase price this will likely be a 1-2 bedroom condo.

Good luck
0 votes 9 answers Share Flag
Tue Feb 11, 2014
Ingrid Ski Realtor answered:
You should talk with the agents broker for help or a resl estate attorney is my best advice
I've done this before. You need to put into the cancellation to get your full deposit back and have the seller pay that amoubt to escrow so you get the full deposit back . Or. When there is a new buyer to get them to sign an addendum that escrow can reimburse you for the HOA fees
The first one is better
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0 votes 10 answers Share Flag
Sat Jan 26, 2013
answered:
Many others answered this well, but adding a little more. Some condo complexes with units built over other units that allow smaller dogs, some have no restrictions. Rare is it to have a restriction on cats, fish, and aquarium pets. Think of it this way, someone underneath a large noisy dog on tile or hardwood floor will hear the dog running. Laguna Niguel has leash license law of six feet, you can be cited for pet waste, and a noisy barking dog. There are a number of dog parks, many open trails, and dogs are generally welcome in out-door restaurant areas. In general a very open and welcome City for dog owners. ... more
0 votes 9 answers Share Flag
Sun Dec 30, 2012
Florina Massbaum answered:
The home you inquired I sold it on July, representing the buyer. There are two HOAs, totaling $459/month. This includes: water, trash, gas, hot water, pool maintenance. Also include the parks with miles of trails for hiking and biking. Laguna Niguel is a city with top parks in the nation per capita: 59 wild and recreational parks. .Terrace Circle is part of the Beacon Hills community with over one thousand homes and condos and is nested in Laguna Niguel parks, two miles from San Regis prime five stars golf resort and Ritz Carlton. Yes, each HOA has its own rules and regulations and different management companies make a difference. If you are interested in learning more about the value of a condominium as part of an HOA, I am specialized in condominium, please contact me: Florina Massbaum with Surterre Properties949-235-8018 florina777@gmail.com ... more
0 votes 13 answers Share Flag
Fri Dec 14, 2012
answered:
On a lender note:

A PUD does not need to be approved by FHA in order for FHA financing to placed.

A Condominimum does required FHA approval.

FHA approvals may be withdrawn at any time and do expire.

The PUD is not subject to this additional level of beauracracy.
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0 votes 7 answers Share Flag
Sun Aug 26, 2012
Odile Romans answered:
Kieu,
There are owners who would consider seller financing.
With your sizable down payment that would be a win win option for you and the
seller looking for cash flow. Also it would give you added options with price rasnge and
ywe would be working with properties not listed on the market.
This is a great time to buy you just have to find the opportunity niche that
works best for you. Would love to help you.
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0 votes 12 answers Share Flag
Fri Mar 30, 2012
Toni Gamboa answered:
Hi Amh!! Oh my goodness. Wow!! That is not good. It happens. Once they foreclose the property is gone. I'm sorry this happened to you. Seems like whoever you had working on it did'nt communicate properly with the bank. Maybe, obtain a lawyer. But i'm almost positive nothing could be done. Im sorry. ... more
0 votes 17 answers Share Flag
Tue Dec 13, 2011
Rafael Porter answered:
Hello,

I'm afraid everyone has to pay taxes in the US. If you're interested in purchasing a property in Orange County feel free to give me a call. Visit my profile for contact info.

Thanks,

Rafael Porter
... more
0 votes 3 answers Share Flag
Sat Jul 23, 2011
Dallas Texas answered:
Short sale requires lender approval it can take approx. 60 days have any response back from the lender same as a foreclosure.

If you have time to wait submit numerous offers then you MIGHT be able to snag a deal

Lynn911 Dallas Realtor & Consultant, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors
972-699-9111
http://www.lynn911.com
... more
0 votes 7 answers Share Flag
Mon Mar 21, 2011
John Arendsen answered:
You bet your sweet Bippy! Bet you can't guess where that came from?
0 votes 3 answers Share Flag
Wed Jul 14, 2010
Karen Parsons Fiddler answered:
Hi Donald,

I hate to see you leave our beautiful Lake Arrowhead!!! I have a home up there too....and couldn't bear to part with it. Are you moving down here? Or is this a vacation home?

Karen
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0 votes 1 answer Share Flag
Wed Jul 7, 2010
Michael Benninger answered:
I would recommend google your address you are looking for. There will be unknowns which you can not see without seeing the property. Look and see if it comes up under RedFin.com. If it comes up you will find comparables look and see other properties for sale.
If you have any questions feel free to ask.

Thanks

Michael
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0 votes 13 answers Share Flag
Thu Jun 3, 2010
Mark Gundlach - The Gundlach Group answered:
The challenge is always to find those that are like-minded enough to fit in with your plan, and different enough to complement you and the rest of the team.
0 votes 9 answers Share Flag
Sun Feb 7, 2010
Bob Phillips answered:
Here are a couple of additional things to look out for, Liz.

First, a potential seller who wants a higher than market rent, telling you they will apply the additional amount toward your eventual down payment. Prices for properties like you described are probably a minimum of $500k, unless it's a condo. Even a 3.5% down FHA loan will require a down payment of $17,500., which at $500./month will take 3 years to accumulate.

That's assuming that prices don't change between now and 2 or 3 years from now. In this price range they have gone up over the past 12 months, which is likely to continue. And don't forget closing costs, which can be ANOTHER 3.5%.

One bad thing about most lease options? Either the option deposit, or additional rents tie you to that specific property. If - 6 months or a year later - you decide you don't really like this property, you're in jeopardy of losing both an option deposit, and any increases in the rents.

In a market like we're in, it seems like just renting is a better idea - until you find a house you really like - instead of terms that you like.

Another ploy out there right now is companies offering to co-sign with you, to get you into the property. Their fees are typically extraordinarily high - kind of like the offers one gets from credit card companies when their credit has taken a fall.

Like I said before - be very careful out there.
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0 votes 7 answers Share Flag
Sat Aug 22, 2009
Michael Benninger answered:
Yesmin
Aliso Viejo is newer then Laguna Niguel with all school being local to the home you are talking about.
I have lived in Laguna Niguel since 1982 and I love it close to everything.
Both are great areas to live in with the temp in either about 15 degrees cooler then the other side of the fwy.
Costco has location in both.

Access to going to work for you is about 5 min difference. Good luck.

Michael D Benninger
949-235-0099
www.MichaelBenninger.net
Michael@MichaelBenninger.net
... more
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