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Home Buying in San Diego : Real Estate Advice

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  • Local Info143
  • Home Buying945
  • Home Selling99
  • Market Conditions78

Activity 1,245
David Rudd, Real Estate Pro in San Diego, CA
Sun Feb 22, 2015
David Rudd answered:
Best place is working with a good agent. This is part of their jobs and most good agents would be happy to provide for you.

Best of luck,

David Rudd
Kindred Real Estate / KW
0 votes 10 answers Share Flag
Michele Sald…, Real Estate Pro in Del Mar, CA
Fri Feb 20, 2015
Michele Saldana answered:
Dear "heather007h",

As a Realtor who has helped many home owners with regard to Short Sales, the process of a Short Sale and Foreclosure - I would first determine what your plan is with regard to your life and lifestyle.

The Economy is all relative to various changes and San Carlos specifically is an older area of San Diego CA which will take a bit longer to catch up to other areas of San Diego CA that have already been developing, building and expanding in terms of commercial business and remodeling.

I would be better able to help you with a plan if I knew a bit more about your specific circumstance and ideal future plan. I am able to help you with the Short Sale process and I am also able to get you and All Cash Buyer should you take the route of selling your home. The choice to stay in your home determines on how much you are currently "sacrificing" in order to make the payment and your personal level of peace and future growth - the economy will fluctuate regardless.

Call me should you have any additional questions - I would be happy to help you.

Very Respectfully,
Michele Saldana
San Diego CA Native
Realtor - Investment Residential Property
(858) 922-5653
... more
0 votes 2 answers Share Flag
Michele Sald…, Real Estate Pro in Del Mar, CA
Fri Feb 20, 2015
Michele Saldana answered:
Dear Jasmyne,

The neighborhoods you should be looking at are the neighborhoods which will accommodate your desired lifestyle and or your rental unit/property. The matter of price is a reference point as to how much square feet, number of bedrooms, garage, backyard etc - details of the property which will come into play based on the area.

What is most important is that you choose an area which you desire, one where you will be comfortable with living/renting out and "coming home to", safe and one you would not mind going to for maintenance etc. These factors are most important when choosing your home.

My job as a Realtor is to find and help you acquire the home is your desired area and educate you on the various details/price per square foot depending on the areas of San Diego CA.

I specialize in - Finding and Acquiring Residential Investment Property, Foreclosures, Short Sales and property which is not Listed in the MLS. I work with all cash investors and any and all home owners who are interested in purchasing property Below Market Value.

Call Me - I would love to work with you and as a Native of San Diego CA - I am very familiar with any and all the areas of San Diego CA and the unique characteristics of each. Thank you for your question- I hope I have helped answer it for you.

Very Respectfully,
Michele Saldana
Realtor - Investment Property
(858) 922-5653
... more
0 votes 22 answers Share Flag
jfaulk, Home Buyer in Santa Cruz, CA
Thu Feb 19, 2015
jfaulk answered:
As of 04/15/2014 ("a date that will live forever in infamy"), the answer to this question may be found in The Fannie Mae Single Family Selling Guide Section B2-1-01: Occupancy Types (04/15/2014), second unnumbered section "Principal Residence Properties" immediately following the short first unnumbered section "Overview" at:

https://www.fanniemae.com/content/guide/selling/b2/1/01.html

"A principal residence is a property that the borrower occupies as his or her primary residence. The following table describes conditions under which Fannie Mae considers a residence to be a principal residence even though the borrower will not be occupying the property. "

... (Conditions for Multiple borrowers)...

"Parents wanting to provide housing for their physically handicapped or developmentally disabled adult child: If the child is unable to work or does not have sufficient income to qualify for a mortgage on his or her own, the parent is considered the owner/occupant."

"Children wanting to provide housing for parents: If the parent is unable to work or does not have sufficient income to qualify for a mortgage on his or her own, the child is considered the owner/occupant."

I found this when researching the same question in connection with providing for my disabled adult child. I hope it helps people in a similar situation who are wondering how they can obtain the official, quotable Fannie Mae source for this less well known information.
... more
0 votes 17 answers Share Flag
Kelly Pessis, Real Estate Pro in Malibu, CA
Sat Feb 14, 2015
Kelly Pessis answered:
In California a pool is covered in the RPA (Residential Purchase Agreement) in paragraph 14b (buyers inspection clause and timeframes). Once in escrow, be sure to set up a pool inspection and ask, in writing, ahead of your inspections: what - if any- work has been done to the pool by this seller or any known work previous to the seller owning, if there have been any defects and if they have resurfaced the pool or know if it has been resurfaced. The equipment is fairly easy to test and you can get a HPP (home protection plan - or warranty) for those items, but what is more difficult is determining leaks. Most likely it is fine, and a good inspection will take into account obvious signs of settling, but it is difficult in some cases to be absolutely sure without a leak test and most sellers will not allow for that. Leak testing is usually not done because it can stain the surface (they drop a dye into the water and over time it gravity feeds/settles where the water may be leaking). Aside from your inspections you can investigate if that area of your tract has had any geology issues (especially germane in and older tract). You should be fine, but these tips will help assure that you cover your bases and can feel good about buying a pool in sunny SoCal! Enjoy!!! ... more
0 votes 11 answers Share Flag
John Reeves, Real Estate Pro in San Diego, CA
Thu Feb 12, 2015
John Reeves answered:
Helpful to buy a second home http://www.bankrate.com/finance/mortgages/how-to-buy-a-second-home-1.aspx
0 votes 6 answers Share Flag
Nancy Bergman, Real Estate Pro in San Diego, CA
Tue Feb 3, 2015
Nancy Bergman answered:
Hi Eric,
Welcome to San Diego.
There are lots of choices to choose from...
Are you looking to be close to work, beach, land, downtown, or do you need to be a good location for schools?
Many people move to San Diego like to be close to the 5 with easy access to downtown, and have good schools. Your price point fits a wide range of choices. You can easily get a nice penthouse, home in Carmel Valley or Scripps Ranch or a big home near the 15 in Poway.
San Diego has it all. My website has a bunch of information with school data, community activities, etc.
I would love to help you decide...
Let's chat.
Nancy

Nancy S Bergman
Realtor - Cal BRE #01893550
Windermere Real Estate
14677 Via Bettona #120
San Diego, CA 92127
Cell (858) 617-9449
Email - nbergman1@live.com
websites ALL NEW --- www.comehometopq.com
... more
0 votes 26 answers Share Flag
Ernest Pierce, Real Estate Pro in San Diego, CA
Sat Jan 31, 2015
Ernest Pierce answered:
Hello Michael,

There was a lot of great answers here by the local agents in San Diego. It has been some time, and I wanted to follow up with you on your relocation. Have you made the leap to San Diego yet? Have you found your new home? If you have any additional questions please feel free to contact me!

Best Regards,


Ernest Pierce
Broker/Owner
Pierce & Co. Real Estate
858-413-7075 Office
619-647-3315 Direct
858-876-1771 Fax
... more
0 votes 25 answers Share Flag
Raymond Fras…, Real Estate Pro in Bakersfield, CA
Fri Jan 30, 2015
Raymond Fraser answered:
Once you are pre-approved, I would be happy to assist you in finding some properties that suit your needs! Feel free to contact me at any time with questions.

Raymond Fraser
RE/Max Coastal Properties
4444 Mission Blvd. 92109
858-242-8074
raymondfraser@remax.net
BRE#: 01963222
... more
0 votes 2 answers Share Flag
Raymond Fras…, Real Estate Pro in Bakersfield, CA
Fri Jan 30, 2015
Raymond Fraser answered:
For December 2014, the median price of a condo in the Hillcrest/Golden Hill area was $439,000. If you are interested in viewing some of the properties available in that area, feel free to contact me with any questions.

Raymond Fraser
RE/Max Coastal Properties
4444 Mission Blvd. 92109
858-242-8074
raymondfraser@remax.net
BRE#: 01963222
... more
0 votes 2 answers Share Flag
Rene' De Bla…,  in San Diego, CA
Tue Jan 27, 2015
Rene' De Blanco, MBA answered:
Have you considered a HOMEPATH property? http://www.homepath.com The best part of a HOMEPATH home is you can put as little as 10% down (as an investor), AND there is NO mortgage insurance. These are foreclosed homes owned by Fannie Mae.

Kinecta Federal Credit Union (a not-for-profit direct lender) is one of few HOMEPATH lenders in the country, with a presence in San Diego County.

Hope this helps!


Rene Joseph De Blanco
http://www.kinecta.org/jdeblanco
jdeblanco@kinecta.org - Tue Apr 24, 2012
... more
0 votes 15 answers Share Flag
Carol Donate…, Real Estate Pro in Colts Neck, NJ
Sun Jan 25, 2015
Carol Donatelli answered:
Contingencies offers are common,mortgage being the most common.
0 votes 16 answers Share Flag
Cindy Davis, Real Estate Pro in San Diego, CA
Fri Jan 23, 2015
Cindy Davis answered:
What I can say to you is that this location is very family oriented and offers great schools. You may find demographic information from Trulia, Zillow, or some other resource...

Feel free to call me directly if I can help you further.

Take care.Cindy Davis, Broker
SD Home Source Realty
Phone: (619) 379-8616
www.1sandiegohomesales.com
CA DRE #01363537
... more
0 votes 2 answers Share Flag
Tina Lam, Real Estate Pro in San Jose, CA
Fri Jan 23, 2015
Tina Lam answered:
Yes, there are some of those around.

Why?
0 votes 1 answer Share Flag
FHA 203k Mor…, Real Estate Pro in CA,
Mon Jan 19, 2015
FHA 203k Mortgage Lender answered:
You can contact the rehab specialist for your area at the web reference below...


Best of luck.
0 votes 4 answers Share Flag
John Arendsen, Real Estate Pro in Leucadia, CA
Mon Jan 19, 2015
John Arendsen answered:
Are you talking MODULAR or MANUFACTURED? There's a big difference when it comes to financing, however, the answer is yest to both providint it meets the lender guidelines.
0 votes 7 answers Share Flag
,  in
Tue Jan 13, 2015
answered:
I specialize in helping people like you.

Rich Littlefield
Sophisticated Financial
SophisticatedFinancial@gmail.com
www.1stratecredit.com
Mortgages / Real Estate
9555 Warner Av. D Fountain Valley Ca 94708
office 714-968-2500
cell 714-421-1037
Fax 714-844-9202
Licensed by the CA Department of Real Estate License 01080071 NMLS License 287206
Equal Housing Lender
... more
0 votes 2 answers Share Flag
AJ Paniagua, Real Estate Pro in Napa, CA
Sun Jan 11, 2015
AJ Paniagua answered:
HOA mismanagement is a definite issue within some condo communities. It all depends on your comfort level and what you actually get with the monthly HOA fees (amenities, utilities maintenance, etc.) These fees can easily increase year over year too, so you could see you HOA fees increase significantly over time. In my opinion, if you can get into a single family home, that is the way to go. You have more control over the expenses and single family homes are generally going to appreciate more compared to a condo. ... more
0 votes 17 answers Share Flag
Michelle, Home Buyer in Indian River, MI
Thu Jan 8, 2015
Michelle answered:
What recourse does one have if you request the by-laws prior to presenting an offer and they do not include the amendment? You put in an offer and are given another copy at closing and they do not contain the amendment? You find out before you move in that there is an amendment made 15 years prior stating no pets which is why you asked in the first place! Prior to presenting an offer we met and spoke to the President of the association with our realtor. At that time we discussed our dog with him and where the dog run was. He never gave us one hint that a dog was not allowed. He told us where to take her and to make sure we pick up after her. Our realtor knew how important our dog being allowed was. We bought the property from the son of his deceased mother. He is also a realtor. Any help would be greatly appreciated. Do we have any recourse? Thank you. ... more
0 votes 10 answers Share Flag
Andrew Liebe…, Real Estate Pro in Sunrise, FL
Mon Jan 5, 2015
Andrew Liebenhaut answered:
There is a program that I use that provides 10,000 towards your down payment and closing costs. It is a zero interest and zero payment loan that is only due when/if you sell the home. I have closed using this program several times and would be happy to assist you.
HERE ARE SOME OF THE REQUIREMENTS

1-Must not have owned a home in 3 years.
2-Must have been in the same line of work for 2 years
3-Must make more than 25k but less than 80k
4-Must have 1,000 to put into the deal.
5-640 minimum credit score.

Contact Andrew 954-394-7185 Text first Please!!!!!!!
andrewLtherealtor@gmail.com
... more
0 votes 14 answers Share Flag
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