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Why not start drafting your offer and see how things go. You will still have plenty of time to think about it. If this is really a house that you like, it's worth a try.

Yes my loan is under $625K. I'll try Indymac. Thanks for sharing.

I just talked with one broker and she suggests we to wait because the rate will be even lower next year. Anyone get a good deal on a jumbo-comforming loan? The broker told me that the rate below 5% is basically for loans under $417K. And if they terminate the jumbo-comforming program next...

That's a very cute dog that you have IR. And thank you for the photo illustrated receipe, momo. I actually don't care much for A&J's noodle soup and they are so expensive. We used to go there with school friends after classes so there are memories. But I think momo's would be better!

Pacific Hills homes are very nice and some have great views (of course you need to pay premium for the view). And they are not far away from I-5 and shopping is close by. The only concern I have is the Capistrano school districts. I have colleagues and friends keep telling me that Saddleback...

I also considered about Foothill Ranch as my job is close by. But we decided to pick Mission Viejo because we like older houses with bigger space. For me Foothill Ranch is similar to RSM. The houses are newer and the locations are a little bit remote for my husband as he needs to use I-5 and...

Great backyard that BK has and what a beautiful avocado tree it is. I am a yard person too and that's why I recently bought this older house with bigger yard. And it comes with an avocado tree which I absolutely love. The previous owner planted it many years ago but now I can see there is...

I like Pho too and I thought Pho 79 is pretty good but my Vietnamese colleague told me last week that one is dirty and not the best. Here's a list of good ones that he gave me. They are all in Westminster. 1) Kimmy ? it is on Bushard & Bolsa 2) Thanh Lich ? it is on...

Sorry I was again tied up between works and kids and thus couldn't reply earlier. But I feel like to contribute this board whatever I can as I have benefited a lot from your kindness. <strong>irvine_home_owner,</strong> We got a 30 years fix, more than 20% down, but still need to...

Just like to bring a closure to my little story here and thank the friends on this board again for the attention and advices. We actually closed the escrow before the deadline on the lock-in mortgage rate expired because the seller was very cooperative and went back to fix the structural...

<strong>cl1</strong>, Thank you for the comments on the MV communities and that is very helpful for me. Probably we will be neighbors? :) But the house we are working on do have HOA fees although it is not significant. I don't know if the area close to MVH is the least expensive part...

I know people here at this board are probably all for Irvine communities, but personally I prefer MV which has more versatile landscapes with rolling hills and lake etc. And I don't especially care the competitiveness of Irvine schools because I was brought up in similar kind of environment back...

We were there last Saturday in the retail area and it was really dead. Those stores are not popular ones that we can see in other malls. At least I cannot find the stores that I frequently visit like J. Crew or Banana Republic. They are not boutique style of stores either that have special...

Thank you IR2 for your kindly advice and the reminder to go back and read those contracts for my better protection. I appreciated that you step in my shoes and think about what actions that I can take. Actually it never occurred to me that we probably still owe my agent commissions even if the...

Sorry my work has been crazy these two days thus I didn?t have time to write. Anyway the repairs were aiming to fix the structural problem of the house but they failed to do it properly. I guess the contractor that they hired is not qualified to do this kind of job. We are now waiting them to...

Dear All, I?d like to thank you again for your generous suggestions on my question about removing contingency. We actually went ahead and removed all contingencies and let the seller do the repairs. But it turns out that they didn?t do a proper job and that was actually my fear comes...

Thanks xsocal land merchant for reminding me of IR2?s point and I do understand. We will actually let the seller take care of the termite clearance and are trying to negotiate some credit back for repairs. I prefer taking credit not only because it would make the transaction processed quicker...

Thank you for all your comments and feedbacks and I really need them. Just to provide some backgrounds and clarify. We don?t actually intend to walk away although I am not feeling too comfortable about the financial meltdown happening now in our economy. I know that the price is probably going...