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Home Buying in Vista : Real Estate Advice

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  • Local Info11
  • Home Buying27
  • Home Selling4
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Activity 37
Thu Sep 1, 2016
Esmeraldagerardo asked:
Fri Jan 29, 2016 asked:
My friend and I bought a mobile home, the title is under both names. I am paying her the money she invested to get the title just under my name. How is it the process to modify the title?…
0 votes 0 Answers Share Flag
Sat Nov 14, 2015
My NC Homes Team answered:
Were Trump or any elected official to actually do this, then I would have to agree with your premise.

The liklihood of this happening however strikes me as extremely small.
0 votes 1 answer Share Flag
Fri Aug 14, 2015
Sally Grenier answered:
Cindy makes a good point. We are just agents here to help consumers with questions about buying & selling real estate. But keep in mind that this site is really just a marketing website / database that pulls listings from various sources. They have homes for sale (via local MLS) and they have public records info on homes (that they get from county assessors offices). Looks like you're referring to your home's public records info. So...public records are just that. Open to the public. You can try to "edit home facts" (you'll have to claim the property as the owner), and correct any errors. But I don't think you can actually delete it. question....why does this even matter? If your home isn't listed for sale, then the public records data really doesn't matter to anyone...except you. ... more
0 votes 2 answers Share Flag
Wed Mar 4, 2015
Delia asked:
The ad is for a home on Brewley lane in Vista. The rent in the ad says $1,000, which is rediculous and I am getting angry phone calls from people thinking I am misleading them.
0 votes 0 Answers Share Flag
Sat Jan 17, 2015
Jim Bottrell Team answered:
Hello John,

The best way to find out the crime rate in target communities, e.g.Vista, is to either call a local police department in the area or to search online using a crime history database.

A very user friendly site is

Just plug in your target community, analyze the data, and then decide if it is a suitable community for your needs.

Jim Bottrell,
Broker/Owner BRE # 01154905
Ardent Real Estate Services
... more
0 votes 1 answer Share Flag
Sat Nov 8, 2014
Elva Wormley answered:
There are many options available to you and each will depend on your current credit score and how long it's been since the short sale. The only way to know for sure what your options are, is to speak with a mortgage professional.

Best regards,

Elva A. Wormley
Mortgage Consultant
Office (408) 615-8500
C2 Financial Corporation
2845 Moorpark Avenue, Suite 209
San Jose, CA 95128
NMLS #331981 / CA BRE #01274093
... more
0 votes 5 answers Share Flag
Fri Nov 7, 2014
Robert Spinosa answered:

In October of this year, you'd be eligible for a conforming loan, and you should be eligible for an FHA loan right now. Part of this depends on your other attributes (down payment, etc.).

So I would say, you might indeed be eligible now and you very possibly could be eligible with a better FICO score and substantially better loan terms if you do a number of things right between now and October.

If you'd like to discuss more, just get in touch.

Rob Spinosa
... more
0 votes 4 answers Share Flag
Sun Jul 6, 2014
Sinead McAllister answered:
Hi Marc,
I can't see what property you are asking about, but I would be happy to help find you horse property in North County San Diego. Message me directly with what you are looking for and we can get started right away!

Sinead McAllister-Clifford
Real Estate Broker/ Realtor

McAllister Homes Real Estate
Residential Sales & Property Management
License 01366009
858-205-5215 CELL EMAIL
... more
0 votes 3 answers Share Flag
Thu Nov 28, 2013
Kevin and Julie McLaughlin answered:
Visit with a reputable mortgage lender to determine your exact qualification - good luck!
0 votes 7 answers Share Flag
Thu Sep 26, 2013
Tony Cannon answered:
Your intentions are great. You have a lot of people who depend on you so it is important to make sure you have reserves. I would hate to see you buy a home that stretched your budget too much. A lease to own option may make sense although I am not a fan of them...seems it is never a win-win situation. ... more
0 votes 5 answers Share Flag
Tue Jul 23, 2013
Sinead McAllister answered:
@Lakishabridges, Technically, yes, but there are other criteria that must be met. This very rarely happens (i.e. almost never), but you will see a lot of scam-y get rich quick schemes that state that they do it all the time! I would be happy to help you buy a home the old-fashioned way :)

​Sinead McAllister-Clifford
Real Estate Broker/ Realtor®
Trulia®'s #1 Recommended Broker in Oceanside, Bonsall & Vista!
McAllister Homes Real Estate
Residential Sales & Property Management
License 01366009
858-205-5215 CELL EMAIL
... more
0 votes 9 answers Share Flag
Thu May 23, 2013
Maureen Byers answered:
Realistically, you may afford many really pretty homes in North County depending on your criteria, location, terms, debt to income ratios, credit report scores, home owners assocaiton monthly dues, etc. subject to lenders appraisers and underwriters final loan approval. First, please contact one of my direct lenders or yours-as long as they are reputable, local, active, experienced lender who will be able to answer this question and many more in a relatively short period of time these days regarding your home financin which is key. Lender will meet thweir criteria based upon several financial factors and walk you through each stp of the way to homeownership as I will assist you with your real estate from research to possession. I'll be happy to email you North Countys' most current homes for sale inventory after you contact us and look foward to setting up your home tour in your price range to view and submit offers, Maureen Byers GRI 7650 622 6855 Your North County Specialist and Resident Realtor ... more
0 votes 6 answers Share Flag
Sun Mar 31, 2013
Daniel Lehman answered:
I agree fully that your next step should be speaking with an estate planning attorney. I wish you the best of luck...
0 votes 2 answers Share Flag
Wed Dec 19, 2012
Kari Shea answered:

You have received good advice here. Go talk to some loan officers in person to see what they can offer. If you persist, you will find someone that will help you. Get preapproved before you ever look at homes. Talk to fiends/coworkers to find lenders via referral.

Best of luck,

Mark & Kari Shea
Shea Real Estate
Serving Greater San Diego
... more
0 votes 7 answers Share Flag
Wed Dec 19, 2012
Sinead McAllister answered:
Hi Casa Steel,
Not sure what you mean by purchasing a 2nd mortgage. Do you need to add a 2nd to an existing property you own?

Sinead McAllister
McAllister Homes Real Estate
... more
0 votes 2 answers Share Flag
Thu Dec 6, 2012
Steven Ornellas answered:
Hi Ambi,

Claudia's post provides a clear reason why some may not be choosing Joint Tenancy - primarily that the survivor(s) take title of the others upon their passing.

Perhaps one of the Joint Tenants is a non-family member who paid a 20% deposit in order for all to purchase a property. You can see where an inequity can be created.

One more note: Our property is held in a Revocable Living Trust.
... more
0 votes 7 answers Share Flag
Wed Oct 24, 2012
Tony Cannon answered:
Your space rent also gets you some nice community facilities such as a pool and spa
0 votes 2 answers Share Flag
Sun Sep 16, 2012
Tony Cannon answered:
Talking to a real estate attorney is your best advice. Agents and brokers should not be giving legal advice. You may want to try to get a referral and some free initial consultation. ... more
0 votes 5 answers Share Flag
Thu Aug 30, 2012
Jim Simms answered:
It depends on the circumstances and the type of loan you had and the type of loan you are applying for. I copied this from FHA’s 4155:

A borrower is not eligible for a new FHA-insured mortgage if he/she pursued
a short sale agreement on his/her principal residence simply to
• take advantage of declining market conditions, and
• purchase a similar or superior property within a reasonable commuting
distance at a reduced price as compared to current market value.
Borrower Current at the time of Short Sale
A borrower is considered eligible for a new FHA-insured mortgage if, from
the date of loan application for the new mortgage, all
• mortgage payments on the prior mortgage were made within the month due
for the 12-month period preceding the short sale, and
• installment debt payments for the same time period were also made within
the month due.
Borrower in Default at the time of Short Sale
A borrower in default on his/her mortgage at the time of the short sale (or preforeclosure
sale) is not eligible for a new FHA-insured mortgage for three
years from the date of the pre-foreclosure sale.
Note: A borrower who sold his/her property under FHA’s pre-foreclosure
sale program is not eligible for a new FHA-insured mortgage from the date
that FHA paid the claim associated with the pre-foreclosure sale.
Exception: A lender may make an exception to this rule for a borrower in
default on his/her mortgage at the time of the short sale if the
• default was due to circumstances beyond the borrower’s control, such as
death of primary wage earner or long-term uninsured illness, and
• a review of the credit report indicates satisfactory credit prior to the
circumstances beyond the borrower’s control that caused the default.
... more
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