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Home Buying in San Diego : Real Estate Advice

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  • Local Info150
  • Home Buying963
  • Home Selling105
  • Market Conditions78

Activity 1,540
Wed Aug 16, 2017
Aden1935 answered:
you don't truly own condos, you just have the right to do what you want with a partial set of rooms in a building that's owned by a landlord
0 votes 10 answers Share Flag
Tue Aug 15, 2017
jumboloancenter answered:
We offer options up to 95% financing - 1.5mil loan limits. Both fix rate and ARM, fully amortized. Higher loan limits of 2.5mil are also available, but this option will require 10% down. See the reference link below for more info and requirements. ... more
0 votes 37 answers Share Flag
Tue Aug 8, 2017
Terri_leed answered:
Can a foreclosure be postponed by putting the home into a trust
0 votes 105 answers Share Flag
Mon Aug 7, 2017
Pesalmeri asked:
Wed Aug 2, 2017
Diamondgrl926 answered:
Hi, My husband and I separated almost 14yrs ago and I just found out a month ago that our house is up for sheriff sale on September 12. I had no Idea that this was going on. My name is on the deed to the house but not on the mortgage. How can I stop the sale and sell the house? ... more
0 votes 13 answers Share Flag
Tue Jul 25, 2017
Tonydunn619 asked:
Sun Jul 23, 2017
answered:
Hello Tonydunn619, you will need to be pre-approved to know your purchasing power and how much you qualify to borrow. How many bedrooms are you looking for and what is the maximum payment you are looking to achieve?

The rentals in San Diego start from $675 monthly rent for 123sf studio apt at the Peachtree Inn, from $750 for 1bd 1ba apt and up. The mobile homes cost more because the space rents are high.

You should study RENT vs BUY listings to compare payments. You may qualify to buy with minimal out of pocket expenses with down payment and closing cost assistance programs.

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 should also consider condo and townhomes as well as single family homes to compare payments. 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.

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 and you can be emailed listings to fit your search criteria.

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 and you can be emailed listings to fit your search criteria.

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
... more
0 votes 1 answer Share Flag
Thu Jul 13, 2017
Wei Deng asked:
We are buying a house around $800000 in San Diego. The title company is charging $2100 for ALTA loan policy. Is this fee the responsibility of buyer? We have not heard of this cost before,…
0 votes 0 Answers Share Flag
Thu Jul 6, 2017
homebuyer asked:
Recently, I was under contract with a house and had to back out because the seller refused to fix all the safety issues after the home inspection. After backing out, I had to start the loan…
0 votes 0 Answers Share Flag
Thu Jul 6, 2017
tcvaldez15 asked:
I'm buying a primary res & agreed to let Renter finish her lease (end of the yr) before I move in. Is this financed as invest prop or primary res?
0 votes 0 Answers Share Flag
Thu Jul 6, 2017
Alvinely2 asked:
Sat Jun 24, 2017
Randall Ortiz answered:
For California only, we work with ITIN loans. In order to get an ITIN loan, you will need at least 20% down, two years tax returns, 60 days bank statements, 30 days paystubs, ITIN documentation, drivers license and we will also run your credit. We only operate in California. ... more
0 votes 9 answers Share Flag
Mon Jun 12, 2017
answered:
Hello Joshaugustine, yes you may qualify FHA 10% down with fico scores between 500-579 and from only 3.5% down from a minimum 580 fico score. You may qualify with a contract for a job or with one month paystubs, depends. FHA allows up to 2k in collections without having to pay them off or count a payment factor.

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 need to go thru the numbers to put together a game plan to make an informed decision. I am only licensed in CA and have access to the mls, multiple listings services, for access to homes for rent and sale.

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.

If you can get your scores up to 640 you may consider down payment and closing cost assistance programs which you can close with minimal out of pocket expenses.

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
... more
1 vote 1 answer Share Flag
Mon Jun 12, 2017
Gagee101 answered:
Fri Jun 9, 2017
Zoe5101 answered:
To anyone interested In making an offer on a corporate relocation property, I urge you to always get a real estate attorney to review paperwork and contracts. The real estate agents are not trained in corporate relo and are less likely to educate the buyer on how and why the contract differs from a regular sale. There is more risk in buying a corporate relocation home due to their "waiver" and then the "we aren't responsible since we didn't live in the home" position they take when you have serious problems due to non-disclosure of sellers etc. Take away: if you love the house, get a real estate attorney to go through contracts and paperwork. Also, demand that the actual relocation company get a home inspection and provide you with report. Compare with your home inspection reports. Ask for all repairs and termite reports for previous years on property, you can get all termite reports from your state board if the sellers dont provide them as they are supposed to. Remember, a corporate relocation company gives the home owners an "easier out", they are less likely to be honest because they know that the relocation company will be taking responsibility for sale in escrow. Remember, if you dont want a potential life altering nightmare on your hands, keep looking and buy a house the traditional way. Reach out to your local state real estate board for more checks and balances with relocation sales, there needs to be more added protection for home buyer and more training for any agent involved in a relocation sale. ... more
0 votes 4 answers Share Flag
Fri Jun 9, 2017
Derek Jones answered:
If you want legal advice talk to an attorney. But a change such as a new lease would be a cause to redisclose which they have done. You can always cancel
0 votes 1 answer Share Flag
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