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<p>Thank you everyone for your input. It has been very helpful.</p> <p>nirvinerealtor,</p> <p>Yes, I did graduate from USC. </p>

The majority seem to think that prices are still declining. If we are successful in selling our home, would you recommend renting? Our mortgage is $4200 for a 3br/3ba condo. Does anyone know rental rates for something similar in Irvine?

I believe the reset rate would be approximately 10% We can come up with the 5-10% down, however, the comments on this site lead me to believe that this is a horrible time to buy. If we're successful with the sale (which I do not anticipate), we were considering renting for a year or two...

<p>My fiance (soon to be husband) and I bought our first home(condo) in Quail Hill in November 2005 on a 100% financing, 2 year ARM with a hard prepay. We both had BKs which forced us into the loan program and wanted to enter what appeared to be an ever appreciating real estate market. In...