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San Diego : Real Estate Advice

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  • Local Info151
  • Home Buying980
  • Home Selling110
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Activity 3,145
Sat May 13, 2017
Jim_quigley asked:
Sat May 13, 2017
Chantalle Mandeville asked:
Fri May 12, 2017
Nabel747d asked:
Family of 5 (all 18 , me, mom dad, uncle aunt) looking for a 3-4 bedroom house to rent. Credit is not good enough but all members are employed with stable income. Able to place 2x the deposit…
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Thu May 11, 2017
Angelica P answered:

Please follow these instructions to find Section 8 rental listings:

1. Click Rent tab on homepage.
2. Enter your desired area in the search bar and hit Enter.
3. Click More

4. Enter the Keyword 'Section 8'
and click Search.

Thank you for using Trulia!

Consumer Care Advocate
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Tue May 9, 2017
Eugenekiel answered:
I'm an Engineer and found this question very useful, answers too. Do you have an office, or working out of your home?
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Fri May 5, 2017
Fairmount2644 asked:
Fri May 5, 2017
Fairmount2644 asked:
Fri May 5, 2017
Hello Esmeralda.palos, congratulations on your decision to buy a home. You would first need to speak with a Lender to get pre-approved to be able to meet an agent to view and submit offers on any homes of your choice.

Do you know what your fico scores are and do you have down payment and closing costs saved or do you need down payment and closing cost assistance programs? Depending on your fico scores will determine the loan programs options you will have available to you. What price range of homes are you looking at and are they in "Turn Key" condition?

FHA has minimum property standards that the home has to be in great condition and not in need of repairs. If a home you are interested in needs repairs of 5k to 35k you can utilize a streamline 203k loan to get the repairs done upon closing. You can do more extensive remodeling up to FHA loan limits from 35k and up.

Foreclosures are bank repos and may or may not be in FHA minimum property standard condition and are selling for full market value. Short sales are still unpredictable on time frames of closing as per each individual banks. Standard sales are selling at full market value and may or may not contribute towards your closing costs. More details can be discussed if you pay cash or financing.

You will need to gather some documentation such as paystubs, bank statements, last two years tax returns, copies of drivers license and social security cards for each applicant.

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 may consider FHA with fico scores between 500-579 with 10% down and minimum 580 fico score may qualify for FHA 3.5% down. You may also consider the 203k loan programs from a minimum 580 fico score.

You would need a minimum 620 fico score to qualify for Conventional 3% down and a minimum 640 fico score to qualify for Down Payment and Closing Cost Assistance Programs.

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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
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Fri May 5, 2017
Mary C answered:

Thank you for reaching out. Upon checking, I've seen that your property listing is already posted to Trulia. Please click the link below to verify.

Let me know if you have additional questions and I will be happy to assist you.

Thank you for using Trulia!

Consumer Care Advocate
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Tue May 2, 2017
Kathy Burgreen answered:
Don't pay this charge. Here's an easy out: Go to your local hardware store or Home Depot and buy a small can of spackle, small can of paint, spackle knife and paint brush. Bring paint samples home to reasonably match the color first before you buy anything. Then spackle & paint the wall yourself.

Then show the landlord. He won't notice the difference. This method is much cheaper than whatever fee your landlord will charge you.
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Tue May 2, 2017
Kathy Burgreen answered:
I'm a former realtor and life long NYC area resident. You are correct that realtors in NYC charge broker fees to tenants either upfront or at the signing of a lease. Fortunately for you, this practice does NOT exist elsewhere in the U.S. Yep, it's only a NYC thing.

The reason is...greed (as much as I hate to say it). In the MLS system in the suburbs, listings state that "landlord will pay the broker's fee IF the tenant has not already paid the fee." Since I was never a NYC realtor, I don't know what landlords instructions are in the NYC MLS (REBNY) but I would guarantee that landlords know real estate agents are asking tenants to pay the broker fee, so why should landlords pay the fee?

Outside of the NYC area, this practice does not exist and landlords / property managers DO pay the brokers fees. However, beware, since I was replying to questions on Zillow (before Zillow took down the Q & A Advice section), I did learn the following from real estate agents outside of NYC. It seems realtors don't work with renters because the commission fee is very little. They make more money buying and selling houses on behalf of clients, so why bother working with renters? Remember NYC has millions of rental, co-op and condo buildings while other places like San Diego has a small fraction of what NYC has. Also co-op buildings only exist in NYC - do NOT expect San Diego realtors to know what a co-op building is - they never heard of it or if they do know, expect them to speak negatively of them because to them, it's a poor investment. Obviously, they don't know NYC.

Bottom line - you may need to visit some large brokerages and ask to be assigned with a new licensed agent. New agents need experience and they generally work with renters. Once they get experience, they only work with sellers - not renters. Good luck with your move and enjoy the winter while I will be shoveling snow off my car.
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Mon May 1, 2017
Alicia answered:
Good morning, can anyone recommend a Real Estate Attorney that can answer some questions for us?

We are breaking a lease 15 months into a 24 month lease to purchase a home. We assumed that we could help the landlord easily find a replacement tenant. We wrote a very nice letter to him, letting him know what was happening and volunteering to help find a renter and we were informed that he had found out that he would need to sell the house by next March to avoid capital gains. Therefore, he does not want to rent out the house. He would rather sell.

This leaves us in a really horrible situation. He now wants four months of rent up front which equals $32,000. We feel like we're being held hostage because he wants to avoid paying the 39% capital gains taxes if he keeps the property beyond next March.
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Tue Apr 25, 2017
Cincitybda asked:
I'm a 30 yrs old dual citizen but never lived in U.S. so have no credit there. Moving to U.S. within yr or so but want to buy a house now.
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Mon Apr 24, 2017
Nancy Bergman answered:
There are lots of neighborhoods that could meet your wants/needs.
How much are you willing to spend?
Ocean views can cost you more, mountain views are a bit easier. I would recommend any beach community such as Carlsbad, Encitinas, Del Mar if you want to be right on the coast.
La Mesa / Mt Helix, Poway, Escondido if you want rural, mountain views, etc.
I would love to assist your search.
You can contact me anytime for suggestions.

Nancy S Bergman
Realtor - Cal BRE #01893550
Windermere Homes and Estates - Rancho Bernardo
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