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Home Buying in San Diego : Real Estate Advice

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  • Home Buying972
  • Home Selling106
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Activity 1,276
Mon Aug 8, 2016
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, Mary 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 23 answers Share Flag
Fri Aug 5, 2016
Laqueenite answered:
Yes, you can buy a home in Ramona with a $300K loan. You would be using VA Loan. This is a loan program guaranteed by the Gov't for military people. Under this program, you do not bring a downpayment money. Depending on how it is structured, the Seller may pay your closing costs. Many thanks.
Thessy Onyenedum, Broker/Realtor
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0 votes 22 answers Share Flag
Sat Jul 23, 2016
answered:
Almost every aspect of a purchase contract is negotiable and would be determined by negotiations between seller and buyer. If the repairs needed are brought up by comments on the appraisal, a lender will require them done before funding of the loan. In other words, the only way the seller could sell, and not repair, would be a cash sale.

If, however, the seller simply does not have funds and/or does not want to be bothered to fix said repairs, the buyer could opt to purchase the home using a renovation loan such as FHA 203K or HomeStyle. These loans will allow a buyer to purchase almost any house "as is" and still be able to get financing. They are also the best way to customize a property to your specific needs and desires.

All my best,

Deborah
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0 votes 2 answers Share Flag
Wed Jul 20, 2016
answered:
Yes but you need at least 10% down, and in order to get a good rate you need 30% down.

Give me a call if you can do that at 714-968-2500

License 287206 Equal Housing lender
0 votes 1 answer Share Flag
Wed Jul 20, 2016
answered:
Your post is slightly confusing. You want areas outside of San Diego, but you really like homes in Chandler, Arizona? That is quite a commute. LOL! That aside, and assuming you really are talking about San Diego, there are many options available; however, more info would be needed regarding your wants/needs before any solid recommendations would be valuable.

How far "out of San Diego" is too far? Need land? Schools important? Just a start of the many questions that need answers before good advice could be given.

All my best,

Deborah
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0 votes 1 answer Share Flag
Wed Jul 13, 2016
answered:
I would never suggest a borrower provide their personal or financial information to any real estate agent, whether they are the buyer's representative or not. All documentation in a loan file is confidential and should be treated as such.

If, in the unlikely event, I have difficulty getting documentation from a borrower I may ask their agent to contact them and prompt them as to the importance of getting documents returned promptly. But that is a far as I would ever go.

All my best,

Deborah
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0 votes 7 answers Share Flag
Tue Jul 5, 2016
David Zorehkey answered:
All the HOA is , is a contract between the homeowner and the management co. The debt from the management is considered a personal debt. Once that person moves out the ONLY way they can collect from the previous owner is by judgement. Once the property is sold the management co will try to collect. from you.You are only responsible from the day you agreed to the contract from the management promising to pay. You did not agree to pay the past owners contract ... more
2 votes 11 answers Share Flag
Sat Jul 2, 2016
answered:
I think that you are closing the barn door after the horses are out running in the field.
0 votes 2 answers Share Flag
Fri Jun 24, 2016
answered:
Yes. There are a ton of programs with different downpayment amounts in the marketplace today. I would recommend a Broker over a Big Bank in this scenario because of their larger selection of products.

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
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0 votes 2 answers Share Flag
Tue Jun 21, 2016
Scott Godzyk answered:
First, your agent should have got your bid in same day if you really wanted the home. There is no such thing as a back up in short sales. The seller can accept an offer, but it is then sent to the sellers lender for approval. With a short sale te seller has to be approved to even do a short sale and the offer will have to be close to the current market value. It can take 1-3 months for approval. The buyer as to be ready to close in 30 days of the lender approving the short sale. You may want to start looking at other homes as this sale will not be easy and even harder without your offer not being the one the sellers bank is looking at ... more
0 votes 3 answers Share Flag
Tue Jun 21, 2016
answered:
Yes, you should be able to use both of your incomes for mortgage qualification. Each of your incomes would be subject to the same analysis by the underwriting process. A mortgage professional will be able to evaluate your total qualifying and allowable income for any loan.

Please let me know if I can answer specific questions regarding mortgage financing for you.

All my best,

Deborah
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0 votes 1 answer Share Flag
Wed Jun 15, 2016
Dejajanee answered:
Approximately 97% of the country's land mass is in a eligible area to qualify for USDA financing. You should contact a local USDA lender to get the exact details or visit the USDA site for the latest rural map.

Web Reference: http://USDALenders.org
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1 vote 11 answers Share Flag
Tue Jun 14, 2016
Sally Grenier answered:
Depends on how things are handled in Texas! Who pays for title insurance? Are attorney's required? Are there title closing fees? County recording fees? Is there an HOA, and if so are there any transfer fees? How are taxes dealt with? Sounds like you really should contact a Realtor in that area who could help you. ... more
0 votes 1 answer Share Flag
Wed Jun 8, 2016
Walter 'Skip' Kersten answered:
What if you have the termite company that issued the report go out and certify section 2 cleared.
Good luck,
0 votes 1 answer Share Flag
Sat May 28, 2016
Unspecified answered:
Hello I don't know where to ask the same question for myself. I want to buy in victorville or san Bernardino ca. Should I get an agent to negotiate for me. I really need a,good deal. I work in fontana so the commute may be long ... more
0 votes 8 answers Share Flag
Thu May 26, 2016
Donnac58 asked:
Where are the ROP mobile home parks located in San Diego County?
0 votes 0 Answers Share Flag
Thu May 12, 2016
Paul answered:
InBedrock.com to learn about + analyze all real costs of homeownership, including purchase price, down payment options, closing costs (title insurance, bank fees, inspection/appraisal, legal), mortgage financing- interest rate, term, points, pre approval requirements, RE Taxes, HO Insurance, utilities/maintenance/condo fees, selling costs (broker commission, capital gains tax, state transfer taxes). InBedrock.com is educational, in-depth, easy-to-understand. For serious first-time homebuyers this website is invaluable. ... more
0 votes 13 answers Share Flag
Thu May 12, 2016
Paul answered:
InBedrock.com to learn about + analyze all real costs of homeownership, including purchase price, down payment options, closing costs (title insurance, bank fees, inspection/appraisal, legal), mortgage financing- interest rate, term, points, pre approval requirements, RE Taxes, HO Insurance, utilities/maintenance/condo fees, selling costs (broker commission, capital gains tax, state transfer taxes). InBedrock.com is educational, in-depth, easy-to-understand. For serious first-time homebuyers this website is invaluable. ... more
0 votes 8 answers Share Flag
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