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92123 : Real Estate Advice

  • All11
  • Local Info1
  • Home Buying3
  • Home Selling1
  • Market Conditions1

Activity 1,713
Mon Oct 14, 2013
Daniel Lehman answered:
Depends on the REASON for the lower credit. It could be inquiries, it could be derogatory accounts, and very commonly a VERY simple way to increase it would be to decrease your "debt to high limit". In other words, if you have a 10K limit on a credit card, you want to stay under 3,000 dollars, or 30% typically.

I dont charge for credit repair, but do a lot of credit repair for my clients to get them better rates/terms, etc when applicable. I also have a system where we can basically say "IF we were to do THIS, what would be the outcome", OR, we could say "We need 50 points. What do we have to do to get 50 points" and it will tell you exactly what you could do to increase your score.

If you want, drop me a line and I can take care of you.

Daniel Lehman
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0 votes 18 answers Share Flag
Tue Sep 2, 2014
Steven Ornellas answered:
Hi Emiley,

I would advise you meet with at least three Realtors®; however, you should keep interviewing until you are satisfied you have found the right Realtor®; there's no reason to rush your decision.

Access each Realtor's® Trulia profile for those that interest you [ i.e. ] and read a few Client testimonials; and don't be shy about asking for contact info of prior Clients!

Aside from the above, here are my “Top 4” bits of advice for new home buyers looking to assure a successful outcome:

1) Find a professional Realtor® to work with to protect you interests.
Simply put, your Realtor® will be able to answer initial key questions and guide you through the process. One of the key advantages of involving your Realtor® is access to seasoned Mortgage Broker/Bankers with a track record of getting the job done. You can check to make sure an Agent is a Realtor® by going here:…

The primary distinction of any Realtor® is they have a real estate license by taking required classes and passing a written test - but most importantly - they must also subscribe to the Code of Ethics published by the National Association of Realtors® (NAR). Typically, Realtors® are also members of state and local association of Realtors® and further agree to abide by the bylaws, rules and regulations of those associations.
The full Code of Ethics can be found at

2) Obtain a "True Pre-Approval" (your most important step in my opinion).
You MAY need to improve your credit score, increase cash reserves, etc. before buying; however, at least you will have a roadmap to eventually purchasing if this is the case. Furthermore, this step can save you from wasting money on a purchase that does not close escrow!
"Retail Banks vs. Mortgage Broker/Bankers"

3) Make sure you obtain access to your local AND regional Realtor® MLS data via an automated search your Realtor® should most certainly create for you; here's why:
MLS Data Accuracy – Where to search if you’re “without Realtor®”

4) Avoid Dual Agency!
There are specific duties an Agent must provide. When one individual represents both Buyer and Seller conflict between two of the most important duties occur.
“Dual Agency: Why should I NOT use the listing Agent to buy a house?”

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0 votes 34 answers Share Flag
Mon Oct 6, 2014
Walter 'Skip' Kersten answered:
IMO the reason to buy now is interest rates. They currently remain near historical lows. With the economy improving there is talk that the Fed will have to begin to raise rates some time in the future. It is best to lock in 30 year money now.
Good luck,
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0 votes 27 answers Share Flag
Tue Apr 2, 2013
Jim Fishinger answered:
Tue Apr 2, 2013
Jim Fishinger answered:
Hi Pablo,

The implication is that you have negative equity which would make it very unlikely, based on what you've indicated, that you can refinance. If you want to call me I can confirm the value of your current home and help you determine if there are options available. There are a few questions that need answered to be best of help.

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0 votes 8 answers Share Flag
Tue Apr 2, 2013
Royce Kemp answered:
The term "REALTOR®" is a registered collective membership mark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION OF REALTORS® and subscribes to its strict Code of Ethics (which in many cases goes beyond state law). In most areas, it is the REALTOR® who shares information on the homes they are marketing, through a Multiple Listing Service (MLS). Working with a REALTOR® who belongs to an MLS will give you access to the greatest number of homes.

Royce Kemp
Premiere Properties
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0 votes 4 answers Share Flag
Tue Apr 2, 2013
Royce Kemp answered:
Awesome, shopping for your first home can be very exciting! The market is really heating up now so it's good you want to work with a Realtor right away. Some other things you need to look into is your financing situation. You must get pre-approved in today's market to stand a chance. I'd be happy to meet with you and your husband to get started looking right away.

Royce Kemp
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0 votes 13 answers Share Flag
Sat Jan 25, 2014
Suzanne MacDowell answered:
Does your spouse have an income? There are a lot of factors that go into qualifying for a mortgage, one is income. Another is the amount of debt that person carries as compared to their income, in other words, after all the other bills have been paid, is there still enough income to pay the mortgage as well. Another factor is credit score, a history of paying bills on time. Unless your spouse has an income, and most home makers do not, then the answer is no. ... more
0 votes 14 answers Share Flag
Thu Aug 15, 2013
Song Hasell answered:
I would recommend to rent a place until you built up your credit. You also need to study an area you would like to live.

Song Hasell
Realty Experts
Dre #01772039
858-705-4850 ... more
0 votes 18 answers Share Flag
Tue Dec 10, 2013
Royce Kemp answered:
Hi Breanne,

It's referring to the type of ownership interest in the property. With this particular property, title is held as Tenants In Common. That means you can become owner of as little as 1/8 of the property. You would have the right to use the property, presumably a single unit of an 8-unit complex, and can sell your interest at any time. If you were to acquire all 8 interests, you would be sole owner of the entire property. This is not the normal way to hold title to a property, when you intend to own a condo.

ROYCE E. KEMP | Premiere Properties
c: 858-480-5570 f: 888-839-8898
DRE Lic#01920485
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0 votes 15 answers Share Flag
Tue Apr 2, 2013
Don Tepper answered:
The estimate (that's all it is) of $2,129 DOES include taxes and insurance. Hold your mouse above that figure and a window pops up showing how they came to the $2,129 figure.

Understand, though, that the real interest rate and monthly payments depends on your credit history, the length of the mortgage, and other factors. You might be able to pay less, or you might end up paying somewhat more.

Hope that helps.
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0 votes 11 answers Share Flag
Mon Apr 1, 2013
Neil Fjellestad answered:
May I suggest our interactive website This website can also be uploaded as a mobile version so you can see what's available on your smartphone including video tours of the houses, condos and apartments in which you have interest. This same interactive site allows you to apply online, assist you with our lease documents and get you moved in to your new home. Later you will have a secure place to pay your rent online and thereby never have a problem with late rent penalties. If you have a maintenance issue you can communicate the same way. We provide personal resident care with technological convenience.As you can imagine selections in the price range you mention get a lot of interest and get rented very quickly.

After you have gained some insight from our website please give FBS a call. Our closest office is our San Diego North County Office. It is minutes from your neighborhood of interest. We have helpful professionals that specialize in your rental customer needs. Phone number is 858-487-4004.
Good luck. Neil
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0 votes 1 answer Share Flag
Wed Nov 11, 2015
Michael Cheng answered:
The general rule is the party that chooses the escrow company, opens and pays for escrow. So, it depends on who makes the choice with your deal.
0 votes 21 answers Share Flag
Wed Apr 3, 2013
Jason Richards answered:
It depends on many factors

1. Is the major issue repairable or not?
2. The type of transaction determines what realistic paths exist. REO,Short Sale, etc
3. Is the client capable of taking on the issue.

Bottom line is that you should never advise a client to proceed with something they cannot feel 100% comfortable with but at the same time, problems create opportunities.
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0 votes 7 answers Share Flag
Wed Apr 3, 2013
John Juarez answered:
Docusign electronic signatures save tons of time for me.
0 votes 7 answers Share Flag
Sat Mar 30, 2013
Cindy Davis answered:
Yes - there appear to be two stories in the building and the condo is on the second floor.

Would you like to set up an appointment to see it?


0 votes 2 answers Share Flag
Thu Jun 20, 2013
Kari Shea answered:

When looking for rentals, your best bet is Craigslist. 85% to 95% of all rentals leased in San Diego County are fulfilled using Craigslist. It is used by owners, property management companies and agents alike.

The best way to search is to put the zip code in the search box and then enter the rest of your parameters. Check often and call/e-mail right away as many rentals move quickly!

Lastly, beware of rental scam listings and ads that "look too good to be true”. Make sure you talk to the person managing the property and meet them to see it. Scams usually involve people asking for a deposit prior to seeing the property or filling out a rental application.

Best of luck to you,

Mark & Kari Shea
Shea Real Estate
National Association of Realtors
CA DRE License 01713506
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0 votes 2 answers Share Flag
Thu Apr 11, 2013
Chad Basinger answered:
Hello Che'vonne Bryan,

On the MLS (mulitiple listing service) for Mira Mesa (92126), there are 2 homes that are 3/2's that allow pets and there is one 4/2. If you would like additional details on these properties, I'd be happy to send them your way.


Chad Basinger, REALTOR®, CPA, CFP®
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0 votes 5 answers Share Flag
Wed Mar 27, 2013
Cindy Davis answered:
Forgive me...what there a question?
0 votes 6 answers Share Flag
Wed Mar 27, 2013
Tina Lam answered:
If you're not getting much of a response, maybe you can try increasing the fee you're offering to pay to a month and a half of rent.
0 votes 4 answers Share Flag
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