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Home Buying in San Marcos : Real Estate Advice

  • All133
  • Local Info5
  • Home Buying39
  • Home Selling3
  • Market Conditions13

Activity 53
Sun Apr 16, 2017
Mmercado204 asked:
Wed Feb 8, 2017
Sheryl Arndt answered:
Hello Delores, I don't see that one but find #15 which is a 1bd 1ba 589sf condo for 188k and it is the same bldg. which is built in 1980, #20 and #9 2bd 1ba 788sf for 204k. Why are you looking for an owner carry? Do you have down payment and closing costs saved or do you need down payment and closing costs assistance?

You may qualify to buy with minimal out of pocket expenses with down payment and closing costs assistance programs. Are you looking for condos and townhomes or are you open to single family homes?

The single family homes in San Marcos start from 370k for 3bd 1.5ba 1,232sf home. You may qualify to buy a condo with less than first, last and security deposit of any rental and pay less than rent.

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.

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.

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.

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.

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.

You may consider 5% down Jumbo with a minimum 720 fico score from 424k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million. You will need 20% down to purchase over 2.5 million.

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
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Wed Dec 14, 2016
Browncocobabydoll answered:
I'm looking for to buy a mobile home,with out braking the bank what's the best year I should I get. I read some were that any thing before 1973 is not good
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Sat Jun 11, 2016
Jsim111 asked:
It is in a trust and my wife and her sister are the only heirs when she passes. We would pay interest only above the average rate so the mom will be getting better interest rate on the home's…
0 votes 0 Answers Share Flag
Mon Mar 7, 2016
Sally Grenier answered:
I would ask your REALTOR to do a comparative market analysis (CMA) on the home you're interested in.

Price per SF is really only a matter of basic math and has ZERO to do with a home's VALUE. To figure the price per-square-foot, take the sales price and divide it by the square footage. So...Smaller square-foot homes command higher per-square-foot costs. Larger square-foot homes command lower per-square-foot prices. Price per SF is usually used in building new construction, not resale.

Another reason to NOT use price per SF...that number doesn't take into account things like location, condition of the home, upgrades, views, neighborhood, etc.

If you're not working with a REALTOR, you really should be. They'll be able to help you arrive at a competitive offer. Keep in mind a good offer is not just about price. And, if you're in a seller's market, like we are here in CO, it may not be enough to offer full price. A good BUyer's Agent will be able to guide you through the entire process. Good luck!
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Tue Feb 9, 2016
Ozzy Calderon answered:
Good Afternoon James,

My name is Ozzy Calderon and I'm a realtor in San Diego and one of my areas that I service is San Marcos. It's amazing that you want to start a family soon and I just checked the inventory in San Marcos; there are 16 active homes that meet your requested criteria.

I would love the opportunity to converse with you and to send you the list of active homes in San Marcos. Feel free to contact me at 619 781-2681 or via email at

Best Regards,

Ozzy Calderon
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Wed Oct 21, 2015
If you state that you just changed your mind, you may be liable for your deposit. So you have to back out based on one of your contingencies.

Keep in mind the further you are into the contract, the more you harm the sellers. If you are going to back out do so early out of courtesy. Most people do not seem to understand what they are putting the sellers through. ... more
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Wed Aug 5, 2015
Lkbeall answered:
Contact the San Diego Tax District and ask. The Mello Roos is assessed by size of property and/or land.
0 votes 7 answers Share Flag
Mon Jun 8, 2015
Ed Philbrick answered:
I'm happy to help with San Elijo Hills as a resident and active community volunteer for the past eleven years. San Elijo Hills is my passion and my real estate expertise.
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Tue May 19, 2015
Dan Tabit answered:
Mold is a very touchy topic. There are thousands of types of mold from the deadly ones we hear the most about to the benign ones we eat in blue cheese.
Mold in an attic is due to two things, lack of adequate ventilation and a source of ongoing moisture. Are the bath fans vented properly? Are there leaks in the attic? Is there a heating leak, providing the right temperature for molds?
There are companies that specialize in this. Most inspectors recognize the presence of mold but will refer you out for testing and remediation. Find a local company that will inspect and advise you based on what they find. If you are a buyer, put this on the back of the seller as a condition to move forward.
Once you know if it's serious, the source and the solution, you can determine how you want to proceed.
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0 votes 1 answer Share Flag
Sun Dec 21, 2014
John Arendsen answered:
Crime free Neighborhoods

I've been seeing an inordinate amount of these questions popping up on Trulia in recent weeks. As I've said on the other threads I've commented on there's absolutely no way of guaranteeing that any neighborhood will have little or especially NO CRIME.

We're living in a very different time and place today. Unlike anytime since possibly the Great Depression we are living in very volatile socio economic times everywhere in America as well as most places in the World.

What with dynamics like poverty, homelessness, unemployment, illegal immigration and shear desperation it's clearly obvious why crime is on the rise everywhere. What were once considered very safe and secure upscale neighborhoods are now viable high value targets for those who wish to prey on them.

I've livee in a very laid back, low key semi rural North San Diego country neighborhood for the past 33 years. During that time we've never locked the doors on our cars or homes and we've always left our bicycles out unlocked.

In the past several months we've had an influx of multi-family or multi-tenant renters moving into several of the single family residents that have come up for rent throughout our neighborhood. Sometimes there are as many as a dozen old cars and trucks parked in the driveways and on the streets.

Common sense has to tell you that these folks aren't the most financially privileged or steadily employeed. Hence, lot's of folks are hungry and desperate to pay the rent so voila our once very safe and quiet neighborhoods become not so safe and secure.

As a result we've seen a dramatic increase in break-ins and burglaries. Fortunetley there has been no violent crime. Just folks stealing bicycles, lawn mowers & myriad garden tools or anything of value that's not secured. We even have a neighbor who's had 4 chickens stolen in the past month. Duh........ya think they might be hungry?

So we took measures into our own hands and with the help of local law enforcement we've facilitated a NEIGHBORHOOD WATCH PROGRAM. Since the signs have gone up and we've installed or activated existing security systems and video cameras and our buddies at the Sheriff's Dept have been making their presence known and we've all been keeping in touch with one another and notifying one another when we'll be out of town things have really calmed down. In fact there have been no incidents in the past couple of months.

So the long and short of it is that there is no totally safe and secure way of keeping your neighborhood free of crime. The best thing you can do is become involved in your community and stay aware of the folks who live around you.
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Wed Jul 9, 2014
Steven Shaffer answered:
You can sell your home with a contingency on finding suitable replacement housing in your contract with the buyer. If you do not find a suitable replacement home, you can cancel your sale or negotiate for an extension. Additionally, arm yourself with a strong and convincing pre-approval letter - preferably with the Automated DU Findings, proof of your credit score, and proof of funds to close accompanying your letter. Work with an aggressive agent who responds quickly to phone calls / texts / emails from you and the realtors he/she is dealing with on your behalf. That combination is really the best you can do. The only other thing you could do is borrow cash from a wealthy relative and pay them back with a cash out refinance on a new home after you close escrow. ... more
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Tue Jan 28, 2014
Susan Taylor and Dolores Beddow answered:
We source Dataquick for monthly stats and the MLS but you will be able to access and you can put in the various zip codes in SM.

In the area that you sited Woodland Pkwy right now 1bedrooms average around $130K and 2 bedrooms about $180K and 3bedrooms on average run $250-325K depending on age of complex. Call us if you want specific examples or if you have specific complex in mind. ... more
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Tue Jan 28, 2014
Susan Taylor and Dolores Beddow answered:
Knock on the door and contacted the owner or have an agent do it so that both sides are protected.
0 votes 11 answers Share Flag
Tue Jan 28, 2014
Susan Taylor and Dolores Beddow answered:
We have found in San Diego that 1-3% is customary and usually 1% is fine, unless the property is a lower priced property and then 2%. Called EMD earnest money deposit which is held by escrow. Remember that the deposit amount can be countered by the seller when the offer is received. Hope that helps. In real estate every situation is unique. ... more
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Fri Dec 27, 2013
Alexander Greer answered:

Alex Greer
Loan Officer
NMLS #1056079

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Sun Dec 15, 2013
John Arendsen answered:
You really should start with the park manager. You will have to fill out an application and be approved by them before you even make an offer on a manufactured home in a rental park

We are a California licensed and experienced manufactured home and general contractor and manufactured home dealer, developer and real estate brokerage with decades of experience in the MH industry.

Please feel free to contact us anytime at 800 909-1110; cell: 760 815-6977. Or email us at

Please feel free to log onto any of our very user friendly websites:
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Fri Nov 29, 2013
John Arendsen answered:
Oop! I just verified my email address and noticed that I misspelled it. it's
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Thu Nov 28, 2013
Mike Stone answered:
Mello Roos is a California state assessment, that goes toward developing the infrastructure in the surrounding community where a home is bought. Mello-Roos funds provide principal and interest payments for services, which include maintenance for streets, water, sewage, electricity, infrastructure, schools and parks. Mello-Roos is commonly imposed on new community infrastructure, like schools and roads.
Many buyers draw a line in the sand, and say, that they don't want to look at homes that have Mello Roos tax. But, one should look at the bottom line. What will the payment be? Some times homes without Mello Roos are higher priced per square foot. And, some have HOA fees. The only way to compare apples to apples is to compare the monthly payment.
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