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Home Buying in San Diego : Real Estate Advice

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  • Local Info150
  • Home Buying954
  • Home Selling99
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Activity 835
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
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
Sun Mar 24, 2013
John Juarez answered:
Beginning April 1, 2013, most FHA-backed mortgages will be subject to an MIP (similar to PMI in other loan programs) increase of 10 basis points annually, or 0.10 percentage points. Simply put, that means that the monthly payment on an FHA loan will be somewhat higher that prior to this change.

Borrowers will still be able to get an FHA loan with as little as 3.5% down.

Another change of note is that FHA will no longer allow the cancellation of MIP when the loan balance has been reduced to 78% of the original balance. MIP on loans that start out at more than 90% of appraised value will remain for the life of the loan.
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0 votes 3 answers Share Flag
Fri Mar 22, 2013
Shannon Anderson answered:
if you are asking about buying a home, the answer is no. If you are asking about buying and not having MI, then you should talk to a lender, but my understanding is yes.
0 votes 15 answers Share Flag
Mon Mar 18, 2013
Jim Fishinger answered:
There would be numerous options for you, but I'd be better able to help if you contact me by phone or email. There are some important questions that when answered will allow me to present the best options for you and your situation. ... more
0 votes 1 answer Share Flag
Sun Mar 17, 2013
Monica & David Stone Team answered:
Hi Mary,

As it sounds like you already know, the temperatures throughout San Diego County can vary widely.

If you go to my website, and click on the "Lifestyle" tab along the top, you can search each neighborhood and view the average weather temperatures by month, average rainfall, and much more.

It also give you school district information, demographics, average income, and more.

Hope this helps.

By the way, I am the co-founder of Greater Good Realty. In addition to providing valuable information about the San Diego real estate market, my company donates 10% of our commissions to local charities and non-profit organizations throughout San Diego.

We hope to make a difference for those in our neighborhoods!

David Stone
Greater Good Realty

CA DRE#01888818
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0 votes 3 answers Share Flag
Tue Mar 19, 2013
Patti Adams answered:
I think the biggest thing to look out for is keep the owner occupancy ratio of the entire complex above 70%. Lenders like it to be that high. If you go below that, then it is harder for owner buyers to buy in your complex and it becomes more and more investor owners and renter occupied.

So, take a look at the owner occupancy ratio now and go from there. Your HOA board should be able to tell you what it is. If you are a very small complex it is more important that if you are in a huge complex with a strong current ratio.
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0 votes 11 answers Share Flag
Thu Mar 14, 2013
Maureen Martin answered:
Unfortunately no. Some banks may allow for this, but it would be a HUGE exception. Typically banks want to see at least 1 pay stub before the close of escrow, often times 30 days worth. If you have an offer letter along with a verification of employment and salary, you could potentially continue along until the end when you provide your first pay stub. Best of luck! :) ... more
0 votes 7 answers Share Flag
Sat May 4, 2013
Lance King answered:
probably because they want to make sure that you will be able to afford the property including all costs, especially if you are looking at places with high HOA fees.
0 votes 24 answers Share Flag
Tue Mar 12, 2013
Team Ernie & Jill answered:
Thanks Ginger,

I would be open to discussing this with you.

Jill Eastman
BrokerMagnus Realty Group Inc
Lic# 01824231
0 votes 14 answers Share Flag
Mon Jul 1, 2013
Tony Grech answered:
Have you been in touch with your realtor or the title company? that would probably be the best first step, because yes as part of the title commitment they should have researched the taxes and any amounts due should have been paid so that you could take over clear title.

If neither your realtor or the title company can provide a solution then you should contact a real estate attorney
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0 votes 10 answers Share Flag
Fri Sep 5, 2014
SRS4444 asked:
have an end date and this is not fair. In fact the coop wants to require me to sell my other property in order to remove the guaranty. Can they do this? Can they require me to sell m...
0 votes 0 Answers Share Flag
Mon Feb 25, 2013
Craig G Hodgson, Sfr answered:
Typically it is 50% or more. 70% seems quite high seeing how there are so many Short Sales and foreclosures that may be an impossible property to find. Let me know if you need assistance or a good lender. ... more
0 votes 7 answers Share Flag
Wed Mar 6, 2013
Jessica Foote answered:
We would love to help. My buyer's agent would be perfect to connect with today! Her name is Shelly O'Neil, 760-223-2588. - In the meantime, feel free to check out our website and start your property search there: Have a great day! ... more
0 votes 13 answers Share Flag
Sun Mar 31, 2013
Baruch Rosenberg answered:
Hi, That's a great question. It all depends on your goals and the outcome you are looking for. It will be based on your current competing available listings, current pending sales and what has sold most recently and how they compare to your home. If you'd like to get an idea for your specific zip code visit


Baruch Rosenberg
Keller Williams Realty
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0 votes 26 answers Share Flag
Wed Feb 27, 2013
Rory Firks answered:
Mike, give me a call direct.

I happen to specialize in dealing with Military relocations. We'll get you set up immediately to began reviewing potential properties plus prepare financing to make the transition smooth an efficient.

(858) 922-2812 or email at
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0 votes 14 answers Share Flag
Tue Apr 29, 2014
Cory La Scala answered:
It sure is, it has been for months now. Some homes are getting over 40 offers!


Cory La Scala, REALTOR
Independence Realty
Lic # 01443391
0 votes 18 answers Share Flag
Sun Feb 24, 2013
Jim Fishinger answered:
I'd be happy to email that to you, but it would help if I could get a bit of clarification from you on the search parameters that would send you condos that were in line with what you are seeking, both geographically and feature wise.
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0 votes 9 answers Share Flag
Fri Feb 15, 2013
Maureen Martin answered:
I've been encouraging my agents to offer a shorter escrow term. What might be just as good, if not better, than a higher offer/more money, (that may not even appraise, and cause major headaches, and could potentially even cause the buyer to cancel)but to pay them faster! If you could close the loan sooner, and the seller is paid faster, what could be better! It's definitely been working!!! :-) ... more
0 votes 14 answers Share Flag
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