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how much are you renting for uppercuts? What plan?

Exactly what flmgrip said. If you have to have a specific location, this is your dream home you plan to live in for a long time and you can afford it, I'd go for it. Some people place alot of value in being able to customize a brand new home to their tastes. Others don't care care as much. Which...

I second penfed. A little slow, but worth it. 30 year fixed is 6.5%, but i've seen it as low as 6% this past month. They have almost no fees. My refi is going to cost me around $1000 all in for a 750K jumbo. I took the 5/5 Arm for 5.125% and no points. Note that penfed is the only...

Your flooring costs sound about right. This was my flooring cost using vintage design. 38K - hardwood downstairs. Roughly 2000 sqft downstairs. 8K - upgraded carpet upstairs You're going to pay a premium using vintage design, but I had no choice considering it was quick-move in and...

Again, great thread. This is the kind of thread all potential buyers need to guage when to buy a home. I agree 100% with Irvine123 and his calculations on price psf based on the 1999 home he almost bought. I did similar analysis to buy my home. Just to add, I've posted this before...

You don't have to go anywhere to check the records. Here you go http://www.ttc.ocgov.com/tcweb/search_page.asp

acpme, you misunderstand jbatz's comments about it being a wash. He means deducting prop tax AND interest payments, it comes out to a wash.

Qwerty, don't mean to call you out or pick on you, but on the other thread, you mention you pay almost 2500 in rent for a 1000 sqft condo in Woodbury. As I mentioned in my previous post, if you bought Lantana for 500k, which is what you think it's really worth, "all in" cost would be...

As you can see jbatz, there is no right answer. You must calculate intangibles such as "living in a new place with new appliances", making the wife happy, knowing you won't be forced to move from a rental if the owner sells, knowing you have cost certainty for x years. Then you also have to make...

I think what rick was trying to communicate was that your offer of 600k wasn't very realistic based on CURRENT conditions. Qwerty, don't get too bearish, or you will never buy a home. This sentence was key for me: "So that was basically it. Even at 600K i probably would have been over paying by...

"A year ago. I dealt with a sales agent. And when I presented an offer. He, the sales agent, would always say he has to check with his sales director. The sales agent in my experience always has to seek out the approval of his higher ups." Yup, they have no power to make decisions. They are...

Not being rude at all graphix. As I said, I know more than most, but perhaps you know more than I do. Fact is, I've worked directly with sales agents, and in my three cases, there would have been no benefit working with sales directors. The whole process is straightforward with no games when you...

Just curious House of cards - what was your mortgage and prop tax per month back in 1998?

Also, Lantana is William Lyon, not Lennar. I've visited Lantana, and many of the Lennar and WL communities in VOC and william lyon seems to be more stubborn about price cuts. Probably due to the fact they are private and don't care about making numbers "look good" for year end. Cash flow...

Ocman, his offer won't be accepted. At 600k, not only would YOU be able to afford it, a host of other people would be able to. Supply and demand. Maybe next year, if things really get bad, but not right now.

"What kind of person would use an ARM anyway?" Someone like me. I just closed on my VOC house. I'm going with a 5/5 arm because I'll be moving in 5-10 years. A 30 year fixed is 6.875%. The 5/5 arm is 5.5%. Worst case scenario on my arm is 5.5% for 5 years and 7.5% for 5 years. I come out...

House probably had flooring and others upgrades done.

American funds is solid and they are known for relatively low fees. I have a few friends who work for them and they are run well. I'd go for it.

lending maestro, just to play devil's advocate. Wouldn't you be seeing more of these "wanna-be" rich types who are in trouble right now, since they are the ones in trouble and need to refinance? Obviously, the ones who are fine financially won't be visiting you. Just a thought...

Almon, just call them. You can sign up to be a member on the phone. It took me 5 minutes. Good luck!