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  • June 30, 2009 at 10:05 PM #423618
    GoUSC
    Participant

    Our offer is all cash with no loan contingency. In the meantime we are going through the hurdles to put the FHA loan in place. If at the end of 30 days we don’t have the loan we will close with all cash and then refinance. We won’t be able to do a 3.5% dp though..therefore our mortgage broker better earn his keep and get the deal done. But I am not worried, today is day one and our loan is going into underwriting first thing tomorrow morning (we had all our docs lined up and ready to go).

    June 30, 2009 at 10:22 PM #422895
    Eugene
    Participant

    [quote]I mean our PITI payment is (for example) $3000. With the tax writeoff it is effectively $2500. For us to rent the equivalent house in the LJ school district similar to this house would cost $3000. This is all based on an FHA loan with a DP of 3.5%. Make sense?[/quote]

    Sounds almost too good to be true. I didn’t think there were such deals in LJ. Congrats!

    Is your house technically in PB?

    June 30, 2009 at 10:22 PM #423125
    Eugene
    Participant

    [quote]I mean our PITI payment is (for example) $3000. With the tax writeoff it is effectively $2500. For us to rent the equivalent house in the LJ school district similar to this house would cost $3000. This is all based on an FHA loan with a DP of 3.5%. Make sense?[/quote]

    Sounds almost too good to be true. I didn’t think there were such deals in LJ. Congrats!

    Is your house technically in PB?

    June 30, 2009 at 10:22 PM #423403
    Eugene
    Participant

    [quote]I mean our PITI payment is (for example) $3000. With the tax writeoff it is effectively $2500. For us to rent the equivalent house in the LJ school district similar to this house would cost $3000. This is all based on an FHA loan with a DP of 3.5%. Make sense?[/quote]

    Sounds almost too good to be true. I didn’t think there were such deals in LJ. Congrats!

    Is your house technically in PB?

    June 30, 2009 at 10:22 PM #423471
    Eugene
    Participant

    [quote]I mean our PITI payment is (for example) $3000. With the tax writeoff it is effectively $2500. For us to rent the equivalent house in the LJ school district similar to this house would cost $3000. This is all based on an FHA loan with a DP of 3.5%. Make sense?[/quote]

    Sounds almost too good to be true. I didn’t think there were such deals in LJ. Congrats!

    Is your house technically in PB?

    June 30, 2009 at 10:22 PM #423633
    Eugene
    Participant

    [quote]I mean our PITI payment is (for example) $3000. With the tax writeoff it is effectively $2500. For us to rent the equivalent house in the LJ school district similar to this house would cost $3000. This is all based on an FHA loan with a DP of 3.5%. Make sense?[/quote]

    Sounds almost too good to be true. I didn’t think there were such deals in LJ. Congrats!

    Is your house technically in PB?

    June 30, 2009 at 10:33 PM #422900
    GoUSC
    Participant

    Pacific Beach Zip Code. La Jolla School District. But being directly adjacent to Bird Rock Elementary I guess it’s Bird Rock???

    I haven’t confirmed who are Council Member is. I think that’s probably the deciding factor.

    June 30, 2009 at 10:33 PM #423130
    GoUSC
    Participant

    Pacific Beach Zip Code. La Jolla School District. But being directly adjacent to Bird Rock Elementary I guess it’s Bird Rock???

    I haven’t confirmed who are Council Member is. I think that’s probably the deciding factor.

    June 30, 2009 at 10:33 PM #423408
    GoUSC
    Participant

    Pacific Beach Zip Code. La Jolla School District. But being directly adjacent to Bird Rock Elementary I guess it’s Bird Rock???

    I haven’t confirmed who are Council Member is. I think that’s probably the deciding factor.

    June 30, 2009 at 10:33 PM #423476
    GoUSC
    Participant

    Pacific Beach Zip Code. La Jolla School District. But being directly adjacent to Bird Rock Elementary I guess it’s Bird Rock???

    I haven’t confirmed who are Council Member is. I think that’s probably the deciding factor.

    June 30, 2009 at 10:33 PM #423638
    GoUSC
    Participant

    Pacific Beach Zip Code. La Jolla School District. But being directly adjacent to Bird Rock Elementary I guess it’s Bird Rock???

    I haven’t confirmed who are Council Member is. I think that’s probably the deciding factor.

    June 30, 2009 at 10:40 PM #422915
    an
    Participant

    Congrats. Another joining the dark side.

    June 30, 2009 at 10:40 PM #423145
    an
    Participant

    Congrats. Another joining the dark side.

    June 30, 2009 at 10:40 PM #423423
    an
    Participant

    Congrats. Another joining the dark side.

    June 30, 2009 at 10:40 PM #423491
    an
    Participant

    Congrats. Another joining the dark side.

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