[quote=GoUSC]Thanks for all the comments everyone! Lot’s of good info… We currently rent in Bay Ho / Bay Park (on Baker just off of Chicago). I like this area but the houses are small, the lots are small and, to be honest, a lot of people here don’t maintain their houses at all so the neighborhood looks shoddy in parts.

We are going to continue our hunt and look at some houses in the Scripps Ranch area (the one we are looking at is in OLD Scripps south of Pomerado). My girlfriend is concerned about the fire risk there and it might be something she won’t get over.

We also really love Mission Hills but home prices are high and it will be a push for us to afford there. Ideally we want to be looking at a conforming loan which, with our deposit, means 900k or less.

Thanks again everyone!!![/quote]

Fire risk is very high in SR and some of the homes south of Pomerado were rebuilt due to the fire in 2003. There are some nice homes in 4S Ranch too.