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Home Buying in San Diego : Real Estate Advice

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  • Local Info150
  • Home Buying972
  • Home Selling106
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Activity 835
Mon May 26, 2014
Bill Hays answered:
Great job on the due diligence. Many buyers learn these things after the sale closes and it is too late. That is a great example of why reviewing permits and inspecting a home is so critical.

I can totally understand your frustration and to some extent anger, that the property you felt might make a good home for you fell short in these ways because it wasn't what you thought or were told it was. Unfortunately, this is not all too uncommon at some level or another.

To suggest the seller and agent lied maybe jumping to conclusions. The agent will likely say they were not aware of what you have discovered. Many listing agents do not put in too much effort in learning the history of a home they are selling, partly for these exact circumstances, so when asked, they can say, "I dunno."

The seller may or may not have known. You don't mention how long the seller owned the home and if they were involved in the permitting process back in 2001/2002. As far as stem wall vs. pier/post foundation, that is how old homes were built and so it should be expected that the older part of the home is this way. Again, this is why you do due diligence like you did.

My suggestion would be to put you energy and effort into moving forward, not dwell on whether or not they "lied" and then trying to prove it. More often or not, your complaint is a voice in the bureaucratic wilderness. Be thankful you found this out ahead of time and be just as diligent with the next home you look to purchase.

Real Estate has a way of finding you. It has a strange connection with a sense of destiny. If it was not meant to be, accept that is was not meant to be so you can put your energy into finding that home that is meant to be.

Good luck. I know you will do well.

BeachBrokerBill
CA DRE 01775528
NMLS 980076
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0 votes 12 answers Share Flag
Wed Nov 7, 2012
Jon Griffith answered:
The primary lender cannot yet be paid off because the sale has not closed. Banks receive their final settlement out of closing and it's disclosed on the HUD-1. If the listing agent is competent, you should have an approval from the 2nd, but due to the size and complexity of a short sale, there's no way to weigh variables that affect the results.

As the buyer, it's out of your hands, for the most part. Let it be that way and trust that your agent has conveyed the information that's pertinent to your case to you properly.
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Mon Nov 5, 2012
John Arendsen answered:
This home is a pre HUD, built before June 15, 1976. If you are thinking about securing a loan for the purchase you will find that most lenders will not lend on a PRE HUD home. Additionally, you should be aware that many if not most Pre HUD homes were built with lots of caustic and carcinogenic chemicals i.e. formaldahyde and asbestos.

As far as renting or in this case sub letting, it is usually prohibitted in rent/lease park/communitities unlell stipulated otherwise. The first thing you need to do before you put any money down on this home is speak witth the park manager/owner. You will have to fill out an application and be qualified and accepted before you can take possession ot the home. At this time you will receive a copy of the park/communtiy rules and regulations as is required by the Housing and Community Development Department )HCF+D).

Be sure to have it thoroughly inspected by an experienced MH inspector and not just any home inspector as there are several nuances with MHs that you don't have in a conventional site-built home and most home inspectors not familiar with these nuances will not even know what to look for.

Make sure the inspector crawls under the home and thoroughly inspects each and every pier and pad assembly for rust, deterioration and decomposition if steel and for decompsition if concrete as homes that close to the ocean can be severely impacted by salt.

They should also make sure the home is level by checking all the doors and windows to make sure that they are not swinging or sticking and that all the strike plates on the doors are properly aligned and the doors close soundly.

The inspector should also inspect the steel mainframe for rust and decomposition as well. I can't tell you how many mainframes we've had to repair that were suffering and in some cases even failing from rust and deterioration related issues.

Be sure and have the inspector check for rips and tears in the vapor barrier under the floor. If there are openings in this membrane it could allow the insulation under the floor to become compromised and even fall on the ground.

Openings in the vapor barrier are also a great place for rodents and cats to habitate and reproduce. We've eradicated countless critters from these cavities over the years and it's not a very pleasant experience.

Finally and very importantly make sure the home has a state Housing and Coummunity Development Department (HCD) certified earthquake resistant bracing system (ERBS) as this area is classified as a Zone 4 earthquake area.

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

We don't cover that area but we would be happy to answer any questions or concerns you may have about purchasing a MH at no charge as long as we can do it on this forum. Or you can email us at onthelevel@cox.net.

Please feel free to log onto any of our very user friendly websites:
http://www.mh-processing.com http://www.tagrealestatesales.com http://www.chadofalltrades.com http://www.intimatelivinginteriors.com

www.mh-processing.com
www.tagrealestatesales.com
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0 votes 4 answers Share Flag
Mon Nov 11, 2013
Prerana and Hiren Saraiya answered:
Yes you can!! You can get a VA loan for owner occupied home which your second home is going to be and you can make your first residence a rental property. I am in Fremont, California but know many agents in your area. If you're interesed in working with an agent who looks after long term interest of the client, please let me know - I will get you connected you with a good agent in your area. Good luck with your home purchase. It's a great time to buy a home. ... more
0 votes 10 answers Share Flag
Tue Jun 9, 2015
Carmen Azizian answered:
Yes you can. Please visit my website: www.carmenazizian.com
0 votes 10 answers Share Flag
Sun Nov 4, 2012
Mary Lawler answered:
I was not a Realtor at the time we bought our home. What I would do differently is to NOT have the listing agent represent both the buyer and seller again. At best - he did an OK job. All of the contract and repair negotiation was done face-to-face by me and Mr. Seller while the listing agent/buyers' agent took a full 6 percent commission. As a non-experienced negotiator, it was awkward and uncomfortable at least for me especially when the things that were supposed to be repaired, cleaned or left behind weren't done, per our contract.

I had to be the bad guy and follow up to get the termite company off my back (literally off my front porch) so they could be paid and to get a refrigerator returned that was "mistakenly" moved and installed into the sellers' new home.

I recommend using a Realtor and having that Realtor represent you and only you in a transaction.
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0 votes 12 answers Share Flag
Sat Aug 3, 2013
Yoni Breziner answered:
Sounds like you'll benefit a lot from a drive by of the property! Once you do, if you like it and want to see the inside, contact me! Yoni@858property.com
0 votes 6 answers Share Flag
Wed Aug 16, 2017
Hector Gastelum answered:
You own the condo, and have access to the community common areas

Hector R. Gastelum
Realty Executives Dillon
REALTOR #01382940
hectorgastelum@yahoo.com
619-954-2225
125*142*10754
efax 619-270-2516
... more
0 votes 10 answers Share Flag
Sat Dec 29, 2012
Craig G Hodgson, Sfr answered:
The average is 8 to 11, but in the more desirable areas such as beaches, downtown,Mission hills, Etc it is 14-18
0 votes 4 answers Share Flag
Sat Oct 27, 2012
Hector Gastelum answered:
Anywhere that your offer has accepted. You need a lot of luck and the right REALTOR, you can a lot of competition at that price range

Hector R. Gastelum
Realty Executives Dillon
REALTOR #01382940
2240 Otay Lakes Rd. #306
Chula Vista, Ca 91915
hectorgastelum@yahoo.com
619-954-2225
125*142*10754
efax 619-270-2516
... more
0 votes 14 answers Share Flag
Mon Nov 19, 2012
Rick Payne answered:
S3ttran, the shared equity program is a program in which first-time homebuyers earning 80 percent or less of the local area median income (AMI) can purchase homes in the City of San Diego with the help of a "silent second" trust deed loan for 25 percent of the purchase price or $70,187, whichever is less. No monthly payments of principal or interest are required. Maximum purchase price or appraised value is $280,749. Source: (San Diego Housing Commission)

Here is a great link that shows the Area Median Income (AMI) for San Diego:

http://www.carlsbadca.gov/services/departments/housing/affordable/Documents/2012HUDAMI.pdf

If you have any questions feel free to contact me or check my website for more info.

Rick Payne,
REALTOR®

Foster Hamilton All Real Estate
Direct: 619-251-0144
E-mail: rickpayne519@gmail.com
Website: RickpayneRealEstate.com
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0 votes 1 answer Share Flag
Mon Apr 25, 2016
Debra (Debbie) Rose answered:
In my opinion, it is inappropriate for the seller's agent to contact YOUR lender.
I would be surprised if the lender would engage in a conversation with the agent.

The seller's agent can discuss an earlier closing with your agent, who, in turn, would discuss it with you, and speak with your lender.....with your permission.

Best wishes!
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0 votes 13 answers Share Flag
Tue Feb 3, 2015
Joy Thomas answered:
Hi Eric,
Well we have a few neighborhoods for you to choose. One of my favorite is Kensington. It is one of the original ones and has great homes in that price range. It's very close to all the things that you want.
Now if you want a condo, then downtown would be good too.
Let me know if you would like more info. joy@imaginesandiego.com
Joy Thomas
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0 votes 25 answers Share Flag
Mon Apr 27, 2015
John Reeves answered:
A good conversation to a both sides will be a good start for all appointments .
0 votes 1 answer Share Flag
Thu Apr 23, 2015
Hector Gastelum answered:
Aimar,

It is what it is, that is why we need more people like you to start buying and remodeling the area and I would like to be the REALTOR to help you,

Hector R. Gastelum
Realty Executives Dillon
REALTOR #01382940
hectorgastelum@yahoo.com
619-954-2225
125*142*10754
efax 619-270-2516
... more
0 votes 9 answers Share Flag
Mon Feb 25, 2013
Glen Etherington answered:
John, I have just experienced this as a principal negotiator for a BofA HAFA short sale approval. Under the current HAFA guidelines and directives, NO ONE is allowed to contribute funds toward a second lien that is over and above what has been approved/allocated by the first lien. As a result, the short sale will need to be reinitiated with BofA under a different short sale program, such as their cooperative short sale program which allows other third party contributions to a second lien. Hope this helps

Glen S. Etherington
Principal Broker/REALTOR/Paralegal
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0 votes 8 answers Share Flag
Thu Nov 15, 2012
Hector Gastelum answered:
Lcondor39,

I work with a lot of Foreign Nationals and it would be my pleasure to help you and your family, here is my information,

Hector R. Gastelum
Realty Executives Dillon
REALTOR #01382940
hectorgastelum@yahoo.com
619-954-2225
125*142*10754
efax 619-270-2516
... more
0 votes 7 answers Share Flag
Sat Oct 13, 2012
Cindy Davis answered:
With your price range, you really can have whatever you want. I would want to talk with you more about your lifestyle to better determine the neighborhoods that are a 'FIT.'

The first area that popped in my mind with walk-ability is La Jolla Village. It's a rich and vibrant area close to the water with loads of shops, restaurants, libraries, recreational facilities, and medical care. While Del Mar Village offers 6-7 blocks to walk - La Jolla village is probably the best self-encompassing community I can think of.

We have many communities that are perfect for a luxury home...but honestly, I think you'd like La Jolla Village. Please feel free to call me. I'd be delighted to show you the city and those communities you might enjoy.

All the best.
... more
0 votes 25 answers Share Flag
Wed Oct 10, 2012
Michael Cheng answered:
That's unfortunate. For home owners who are underwater, you would only have a chance at a refinance if your mortgage happens to qualify for a government subsidized programs like HARP.
0 votes 7 answers Share Flag
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