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San Diego : Real Estate Advice

  • All2K
  • Local Info150
  • Home Buying953
  • Home Selling99
  • Market Conditions78

Activity 2,994
Tue Feb 21, 2017
Sonjasullivan2 asked:
Tue Feb 21, 2017
Alo.bolton answered:
Kiva is an international nonprofit, founded in 2005 and based globally, with a mission to connect people through lending to alleviate poverty. loans rate is 5.5% interest rate.

WITH NO UPFRONT OR ANY SORT OF PREPAYMENT FOR A LOAN

(kivacorp@web.de)

Bless up..
... more
0 votes 24 answers Share Flag
Mon Feb 20, 2017
Niki Campbell answered:
So good to have you coming back to SoCal, I would recommend moving to Eastlake/Chula Vista area. The area is really renovating and becoming a hot area for families and somewhere I could see you teaching at one of their many prestigious schools.

Please call me directly if you have any questions about financing options when making your move!

Look forward to hearing from you,
Niki Campbell
(619)550-7541
niki.campbell@homestreet.com
HomeStreet Bank
... more
0 votes 5 answers Share Flag
Sat Feb 18, 2017
Sheryl Arndt answered:
Hello Wayne_lane, it will vary depending on what scale and upgrades you are intending. Did you have some damage that is covered by insurance and if so they will do the calculations.


If you want to remodel your home you may consider the 203k loan program which you would have a cost coordinator to assist you.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 2 answers Share Flag
Thu Feb 16, 2017
Nancy Bergman answered:
Welcome back to San Diego.
As a relocation Realtor, anything west of the 5, close to the beach is going to be on the high side, unless you are okay with a 2 bed condo or townhouse. However, even that is a like finding a "needle in the haystack". Our market is strong and anything under the $600K price point goes quite fast.
I can help you find something if you are looking for that perfect San Diego property. Being from NorCal myself, I know what its like relocating.
Please keep me in mind...
Nancy Bergman
Windermere Homes and Estates
CA BRE#01893550
... more
0 votes 4 answers Share Flag
Thu Feb 16, 2017
Scookematthews asked:
We've claimed the home through a Trulia account but under "Edit Home Facts" it doesn't provide a clear option to remove photos. Trulia is the only site still displaying…
0 votes 0 Answers Share Flag
Mon Feb 13, 2017
Wine And Paint Social asked:
Fri Feb 10, 2017
Ivy Fussell-raymond answered:
Most apartments are going to do a background check, but perhaps you need to look into a private owner. Good luck
0 votes 1 answer Share Flag
Fri Feb 10, 2017
Lreding1 asked:
Mon Feb 6, 2017
Sheryl Arndt answered:
Hello Brieanna, you only need a minimum 500 fico score to qualify for FHA 10% down and minimum 580 for 3.5% down FHA. You would need a minimum 640 fico score to qualify for down payment and or closing costs assistance. Your scores can be raised in a few days...

The purchase in 92120 zip code of San Diego start from 207k for 1bd 1ba condo, 239k for 2bd 2ba condo and up. You just need to speak with a loan officer to figure out your qualifications and the options you have.

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 424k. 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 424k.

If you are buying a primary residence 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 424k.

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 will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 5 answers Share Flag
Mon Feb 6, 2017
Paige Woodward answered:
My Marine husband and I would like to buy a perfectly good condo in SC that happens to be in litigation over a minor "flashing" issue. We want to use our VA loan. Can any of you give us some advice that may help in getting this approved by the VA? How often do they approve condos in litigation? Thanks in advance! ... more
0 votes 17 answers Share Flag
Thu Feb 2, 2017
Richard.getz answered:
www.OffListing.com

You can sign up for a free 40 day membership!
0 votes 27 answers Share Flag
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