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Home Buying in San Diego : Real Estate Advice

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  • Home Buying956
  • Home Selling101
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Activity 835
Fri Jul 20, 2012
Connie Mitchell answered:
Of course all my clients are dream clients, because the came to me! :))

To help me help them it would be great to have the following right out of the gate:
Pre-approval for a known amount or cash
A list of their required specifics on the area and property type they are in need of.
Provide information on family size including family pets

With the above information and a few specifics, I have the tools to get to work! I am enabled to provide my services in searching, obtaining, finding, and showing. The collection of information that meets the buyers needs, financial guidelines and projections are invaluable and can only be provided by a professional real agent in the know.

It is also an agent's responsibility to prepare my buyer's with all available information on the presented properties so they can determine which property is best for them.
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Sat Nov 9, 2013
Cody Kownacki answered:

As with almost anything in real estate, closing costs are negotiable between buyer and seller. It's not uncommon for the seller to pay the majority.

It's difficult to give you a single value as an average. Depending on the method of purchase(cash or finance) and the tax rate/time of year, the total for a $500k house might be between $6,500-$12,000. A mortgage will put you in the higher end of that range with your loan origination charge and fees (~1% purchase price). Property taxes also play a big role at around 1.25%+ in most areas of San Diego, however, you will only be responsible for the remaining period’s tax payment.

Give me a call 858-945-6671 or shoot me an email for an accurate estimate.



Cody Kownacki
Broker Associate Lic. #01884050
Ascent Real Estate, Inc.
cell 858-945-6671
office 619-325-4157
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Thu Apr 24, 2014
Janet McCarthy answered:
Think about Mission Valley which is close to SDSU but also keeps you open to other renters who might not be so hard on the unit and stay longer.
With rental properties you want a qualified renter who will pay on time and stay a long time, because it cost money to clean, repair and re-rent a unit. Students are not known for taking good care of properties, in fact more the opposite.
Be sure to set-up a buying plan and be ready when a good deal comes along because there are a lot of investors in the market right now.
I can run a rental analysis, ROI and help you with the buying plan.
Janet McCarthy
Connect Realty
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Mon Aug 6, 2012
Cindy Davis answered:
No...Carmel Valley is just east of Interestate 5 and Del Mar is just west. It does get confusing though because there is a Carmel Valley developments known as 'Del Mar Heights" and 'East Del Mar.'

In general though, if you think of Carmel Valley east and Del Mar west, you should be just fine.
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Tue Jul 17, 2012
Stephen Boling answered:
Good afternoon Leidi,

What it is typically refered to as seller financing or a contract for deed depending on where you live. It is a common practice in which you want to make sure you structure the contract/offer in which all parties are in agreement. THERE ARE MANY FINITE DETAILS and I would recommend you have representation on your behalf. If you would like to discuss this in further detail I would be happy to provide you with further insight anytime.
Stephen Boling
Prudential Dunn
Dre License 01864661
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Tue Sep 16, 2014
Derk Simonson answered:
Connect with a Realtor you like an go from there. No one is going to post their nuggets here. Not their "true" nuggets
0 votes 26 answers Share Flag
Tue Jun 19, 2012
Jim Teak answered:
Tue May 1, 2012
Jerry Heard answered:
I think your numbers are adequate. Obviously it depends on the age of the items you are budgeting to replace. Of the roof is 20 years old it may be at the end of its life and you may need to replace it in 3-5 years, therefore you may have to budget a bit more. A water hater has about a 10 year life.
If you are able to do the regular maintenance and minor repairs you can save a lot of money..

I am never too busy for your referrals

Jerry Heard
Your Broker
The San Diego Property Shop
Direct 619-920-9796
Office 619-269-5545
Fax 619-269-9168
CA DRE # 00648687
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Sun Jan 11, 2015
David Dukes answered:
Benefit vs Drawback of HOA:
Benefit -
HOA will help ensure the community remains in nice condition. The other benefit of HOA fees is that they often also include cable, water, and exterior building insurance; therefore, do research what is included in the HOA, as it appears you have. You should also inquire if there is a mello Roos tax included in the monthly fees.YOu have identified about $1000 per year padding to HOA management fees. Good research! Yes, I would say that is otherwise money wasted.

Drawback of HOA -
The benefit of NO HOA is owning the land and improvement. This creates more appreciation potential than an attached home with HOA. Also, the demand from buyers is stronger for non - HOA properties as people inherently do not want to be told what they can or can't do with their home. Lastly, especially in this economy, if the HOA has member homeowners that are delinquent on their fees of more than approximatly 15% or if the HOA has more than 40% investment home owners (percentages to be verified with loan officer), then the banks will not lend on the properties and the values of the properties are at risk to substantially drop in value through no fault of your own. Again, you lose control when you have an HOA.
David Dukes 619-788-7388
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Tue Sep 17, 2013
Shannon Anderson answered:
I work hard for my clients, am a great agent with references and have an awesome lender that rocks FHA loans.....feel free to give me a call. 619-261-1133.
0 votes 18 answers Share Flag
Tue May 8, 2012
Susy Thomas answered:
Well you cannot have 2 owner occupied mortgages. Are you planning to rent the condo out? or sell it?
0 votes 22 answers Share Flag
Thu Apr 19, 2012
Glenn Bennett answered:
Yes there are. My favorite is by Lake Jennings because you own the land as well.
0 votes 3 answers Share Flag
Tue Apr 17, 2012
Chandra answered:
0 votes 12 answers Share Flag
Tue Apr 17, 2012
Cindy Davis answered:
Good morning! This is a very common question, and a good one. I wrote a good article on this topic and it is available here:

Things to consider are how long you plan on being in the home, as well as the amount of extra cash and time you have. Older homes in this area are cute and filled with character but they do require maintenance. If you have the time and money, great. If not, condos are much easier with regard to those variables.

Is this a first time purchase? If so, most buyers in yoru position stay for a period of 3-7 years and then make a move upward. So typically your first time home purchase isn't a permanent one where you are going to stay for 20 years and raise your family.

Based on what you've shared, I would probablly stick with the condo but would be happy to discuss this with you further.

Wishing you a great day.
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0 votes 12 answers Share Flag
Wed Apr 11, 2012
Chad Basinger answered:
Hello Int Buyer,

The fact that you are concerned about this and asking the question should tell you something right there. You will certainly not be the only one who brings up the fact that the bridge will limit the privacy for this particular property. I always believe that properties are priced the way they are for a reason and quite frankly, this may very well be the reason you were able to get this property at the price you are under contract for in the first place. Of course, I do not know if that is the case, but it way have kept other would be buyers away. Having grown up and working that area, I'd be curious to hear what part of town this is taking place in. I'd have your agent (or yourself if you have no representation) bring this up with the appraiser. That is nice that the bank will even entertain the idea of lowering the price is the appraiser recommends it.

Either way, I'd take a hard look at the true ramifications of this bridge (how actively used will it be, will it pose any safety concerns, what kind of crowd will it attract, what hours will there be traffic, how long is the project expected to last?).......Best of luck!

Chad Basinger, REALTOR®, CPA, CFP®
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Sun Nov 22, 2015
BXT AXT answered:
Hello Bonnie,

The big questions is what is your price range. I'm working with some people looking to buy a place to retire to in Dell Mar in Coronado because they can walk to the beach and the stores but they're looking to spend about $800k. And I have someone else looking in Poway for under $300k. The best thing to do is find a Realtor you're comfortable with that way you'll get the best service.

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Thu Apr 5, 2012
Cindy Davis answered:
Great question Janet. I would say both. Sometimes people find the perfect house early on but becasue they haven't seen enough homes or are not emotionally ready. Timing definitely plays a role here. I find I usually have greater success in getting an offer when I'm the second or third Realtor they've worked with. ... more
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Fri Apr 26, 2013
Cindy Davis answered:
You might take it one step further and actually write up and offer with a viewing contingency.
0 votes 14 answers Share Flag
Tue Apr 3, 2012
Kelli Miller, MBA answered:
I would love to help you with this. My number is 858-784-1674. Please call me at your convenience.

Kelli Miller
Exclusive Properties
DRE Lic# 01840131
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