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San Diego : Real Estate Advice

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  • Local Info150
  • Home Buying951
  • Home Selling99
  • Market Conditions78

Activity 2,993
Earlier today
evona.bradley asked:
Earlier today
Cbatten asked:
Budget is $2000-$3000. I plan on traveling in late June to look at rentals in-person and would like someone who can show me some properties (objective is to sign a lease agreement BEFORE…
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Earlier today
Niki Campbell answered:
Hello Angella, have you heard of the Homes for Heroes San Diego program? It is a local organization and works directly with all service members, firefighters, police, nurses, and doctors just to name a few. Their Real Estate Agent contact would be Johnny Perez, and I am the primary Mortgage Lender, we have done more than 6 transactions for service members just this year.

Give us a call to see if we can help you in your home hunt, contact info is in my profile!
... more
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Yesterday at 3:16pm
Patt answered:
Having a good credit score will also give you better rates on your home and auto insurance.
0 votes 82 answers Share Flag
Yesterday at 8:56am
Sheryl Arndt answered:
Hello Pompeym2016, we welcome you and your family to CA. The rentals in Temecula/Murrieta area start from $1,500 for 2bd 1ba single family home, from $1,800 for 3bd 2.5ba single family two story home, from $2,100 for 4bd 2.5ba single family two story home.

The purchase in Temecula start from 285k for 3bd 2.5ba two story single family home and up. How many bedrooms are you looking for and one or two story? Do you have down payment and closing costs or do you need down payment and closing cost assistance programs?

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

You should study RENT vs BUY options as you may qualify to buy and pay less than rent in many local cities. You may qualify to buy with minimum out of pocket expenses, less than first, last and security with down payment and closing cost assistance programs.

Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.

You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.

If you decide you want to buy you will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

If you are buying a primary residence you could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 424k.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 424k.

Both rentals and purchase can be emailed to you to study and compare to consider...

Theses links should have the answers to any questions you may have on schools:
http://www.greatschools.org/
http://Www.schoolfinder.ca.gov
http://Www.education.com
http://Www.schooldistrictfinder.com
http://Www.schooldigger.com
http://www.sarconline.org/

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or CalVet loan specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
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Wed Mar 22, 2017
Mary answered:
Hi,

I have emailed you regarding this concern.


Thank you for using Trulia!

Mary
Consumer Care Advocate
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Mon Mar 20, 2017
Camillerasner answered:
Meadows in El Cajon does a land/lease. You buy the land but really lease it but don't pay rent
0 votes 17 answers Share Flag
Sun Mar 19, 2017
cklitzke answered:
What if the condo association does not or refuses to so basic maintenance or repairs to enable a homeowner to qualify for a refinance?
0 votes 11 answers Share Flag
Sat Mar 11, 2017
susan eliot asked:
I keep getting email for San Diego, CA. I am on the east coast. I have written about this before and nothing has happened. If you do not stop these from coming, I will withdraw from Trulia…
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Wed Mar 8, 2017
Angelica P answered:
Hi,

I am happy to help you get your listing posted on Trulia.

If you would like to post a rental on Trulia, you will be redirected to use our partner site, Zillow Rental Manager, to list your rental on Zillow, Trulia and other top sites. Please follow this link for instructions on how to post a rental listing:

http://www.trulia.com/post-rental/

If you have additional questions or have issues with posting your listing, please reply back to this email and I will be happy to help you.

Zillow Rental Manger Help:
https://zillowrentalmanager.zendesk.com/hc/en-us



Thank you for using Trulia!

Angelica
Consumer Care Advocate
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Wed Mar 8, 2017
Niki Campbell answered:
Hello Gail, I am a lender here at HomeStreet Bank in San Diego and we have various programs to offer which all vary in the highest DTI allowed. Anywhere from 41-50%, if this is at all attractive to you, please give me a call and I can assess your financial portfolio to gauge which program would be the best fit for you.

Niki Campbell
Web Reference: https://ncampbell-homestreetbank2.mortgagewebcenter.com/Account/Login?ReturnUrl=%2fApplyNow
NMLS: 502247
... more
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Fri Mar 3, 2017
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

Yes, that is possible depending on your criteria.

You are welcome to contact me if you would like help with this.
0 votes 1 answer Share Flag
Tue Feb 28, 2017
Loans answered:
Also try San Diego Private Money. 858-560-6555 and ask for Terri.
0 votes 50 answers Share Flag
Sun Feb 26, 2017
Emerald asked:
I can afford up $1300-$1400. Share condo, apt, house. I have high FICO score and very responsible. 858 945-1610
0 votes 0 Answers Share Flag
Fri Feb 24, 2017
Planbee33 asked:
If the value of my property declines due to the loss of view, do I have any legal right to fight this ?
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