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Home Buying in 92131 : Real Estate Advice

  • All29
  • Local Info1
  • Home Buying11
  • Home Selling3
  • Market Conditions0

Activity 835
Sun Jul 21, 2013
Jim Fishinger answered:
Great question, but no easy answer. Current price increases are exacerbated by extremely low inventory forcing almost auction like bidding. If inventory begins to grow that should slow. Interest rates will have a huge impact. I would think another 10% not out of the question with stability on rates and an easing of the current crunch on inventory. ... more
0 votes 16 answers Share Flag
Wed Apr 17, 2013
Manju Gupta answered:
This link may help,Otay+Mesa+West,+San+Diego,+CA&ei=Br9uUc7UOqeEjALSjYH4Dw&ved=0CKEBELYD ... more
0 votes 3 answers Share Flag
Sat Nov 9, 2013
Marcie Sands answered:

It will be difficult to find a furnished rental for only one month. You may want to consider other options until you can secure a yearly lease. Is it just you and your husband or do you have kids? What is your monthly rental budge? Are either you or your husband over 55?

More information is needed in order to help you. Another suggestion would be to look on Craig's List for rentals listed by owner or property management companies. (Just be careful not to send any money without checking out the property ownership first as there are scams as well on Craig's List).

Kind Regards,

Marcie Sands, REALTOR
Rancho Bernardo
SImply The Best Real Estate Co. Inc.
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0 votes 7 answers Share Flag
Fri Aug 2, 2013
Hector Gastelum answered:
Of course they do, First time buyers have a good chance if they have the right REALTOR and said REALTOR having the right offer and relationship. A serious buyer has to have all its ducks in a row:
-Letter of approval from the lender
-Proof of funds
-DU Results, Credit Report

Hector R. Gastelum
Realty Executives Dillon
REALTOR #01382940
efax 619-270-2516
... more
0 votes 19 answers Share Flag
Thu Jul 25, 2013
Sinead McAllister answered:
Hi Emiley,
I can refer an excellent lender to you. Message me directly and I will email you her contact info.

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 26 answers Share Flag
Sun Aug 4, 2013
Your best value is with an FHA loan. Yes, solutions are available for you.
0 votes 12 answers Share Flag
Thu Feb 11, 2016
Wayne L. Brown answered:

I'm sure that within a few minutes you will have plenty of answers from many Realtors. Best bet is to speak with two or three, and make your decision based upon who you feel the most comfortable with after speaking with them.

That said, to be fair, select one, and let them do the leg work for you. Based upon your request for good schools and access to tennis, you might do a Google search as well, getting details on school statistics, as well as tennis clubs. Although, Carlsbad, Ranch Bernardo, and Poway might be a good fit. La Costa Tennis and Golf club is in Carlsbad, and a very nice resort.

Good luck, and let me know if you would eventually like information on financing.

Best Regards,

Wayne L. Brown
Mortgage Banker
Security National Mortgage Company
NMLS Lic. # 343946
Company NMLS Lic. # 3116
... more
0 votes 15 answers Share Flag
Wed Apr 17, 2013
Hector Gastelum answered:
hI Sarah,
The ones that will get you pre-approved are the lenders, please contact my preferred lender Brian Brady first (858) 777-9751

Are you looking to buy what they call mixed use property?
Store front on the bottom & home on top

Hector R. Gastelum
Realty Executives Dillon
REALTOR #01382940
efax 619-270-2516
... more
0 votes 7 answers Share Flag
Thu Jul 25, 2013
Daniel Di Matteo answered:
I'd be more than happy to help.

Daniel Di Matteo
0 votes 35 answers Share Flag
Thu Apr 2, 2015
stephen webber answered:
Depends on how well it has been maintained. Many many good solid houses over 50 years old. Just be sure to have your purchase inspected.
If you where to decide on and establish a geographical area you prefer to live in and establish a price range than see every property for sale in that area and price range you would become a very savvy home owner. Its not that difficlut of an undertaking. In my real estate years I walked hundreds and hundreds of people through the process and they were always happy with the results. There are a series for articles at that outline the process for you. You will also find articles on home inspection.
My advice has always been; gather information, gather information and...
Than after yu gather up all your information you will find loan officers and real estate agents on Trulia offering their services. Good source.
Best of Luck, Stephen
... more
0 votes 29 answers Share Flag
Thu Apr 4, 2013
asirois answered:
Not necessary - all assets can be counted for you if they are liquid - they don't need to be in one account. Moving money around too much can cause additional documentation requirements. ... more
0 votes 9 answers Share Flag
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
... more
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?”

... more
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,
... more
0 votes 27 answers Share Flag
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.

... more
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
... more
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
... more
0 votes 13 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
... more
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.
... more
0 votes 11 answers Share Flag
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