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PKMAN
ParticipantI used to live in a townhouse right next to Home Depot on San Marcos Blvd., and have been to SFH countless times during the early 2000s to look at new houses. My wife really liked the area. SFH is an ideal community if you work in Carlsbad. It’s just a short drive to retails and restaurants and yet it feels somewhat isolated from the commercial traffics.
The MR is not too bad and no HOA is a plus, since HOA fee is not deductible. The house looks really nice.
I don’t know much about school in San Marcos but know a friend who grew up here and she turned out pretty good.
If you plan on staying here for more than 10 years, I think it’s OK to buy now.
ParticipantI used to live in a townhouse right next to Home Depot on San Marcos Blvd., and have been to SFH countless times during the early 2000s to look at new houses. My wife really liked the area. SFH is an ideal community if you work in Carlsbad. It’s just a short drive to retails and restaurants and yet it feels somewhat isolated from the commercial traffics.
The MR is not too bad and no HOA is a plus, since HOA fee is not deductible. The house looks really nice.
I don’t know much about school in San Marcos but know a friend who grew up here and she turned out pretty good.
If you plan on staying here for more than 10 years, I think it’s OK to buy now.
ParticipantI used to live in a townhouse right next to Home Depot on San Marcos Blvd., and have been to SFH countless times during the early 2000s to look at new houses. My wife really liked the area. SFH is an ideal community if you work in Carlsbad. It’s just a short drive to retails and restaurants and yet it feels somewhat isolated from the commercial traffics.
The MR is not too bad and no HOA is a plus, since HOA fee is not deductible. The house looks really nice.
I don’t know much about school in San Marcos but know a friend who grew up here and she turned out pretty good.
If you plan on staying here for more than 10 years, I think it’s OK to buy now.
ParticipantI used to live in a townhouse right next to Home Depot on San Marcos Blvd., and have been to SFH countless times during the early 2000s to look at new houses. My wife really liked the area. SFH is an ideal community if you work in Carlsbad. It’s just a short drive to retails and restaurants and yet it feels somewhat isolated from the commercial traffics.
The MR is not too bad and no HOA is a plus, since HOA fee is not deductible. The house looks really nice.
I don’t know much about school in San Marcos but know a friend who grew up here and she turned out pretty good.
If you plan on staying here for more than 10 years, I think it’s OK to buy now.
ParticipantIf lifeisgood will really end up living in 4S for 15+ years, he needs not to worry about the price he’s paying now. However in this difficult time, large-sized houses with strict HOA and high MR will always be at greater risk. I noticed greater % of homes on the market are either <2,000SF condos or >2,800SF houses.
Smaller condos represent investment properties to be abandoned and larger houses represent shattered dreams. The mid-sized homes (2,000SF – 2,800SF) may just be the sweet spot that more families are able to hold on to, despite the difficult time.
Thus I think the situation at 4S will be more at the 2 extremes, while the average-sized homes should fare better.
ParticipantIf lifeisgood will really end up living in 4S for 15+ years, he needs not to worry about the price he’s paying now. However in this difficult time, large-sized houses with strict HOA and high MR will always be at greater risk. I noticed greater % of homes on the market are either <2,000SF condos or >2,800SF houses.
Smaller condos represent investment properties to be abandoned and larger houses represent shattered dreams. The mid-sized homes (2,000SF – 2,800SF) may just be the sweet spot that more families are able to hold on to, despite the difficult time.
Thus I think the situation at 4S will be more at the 2 extremes, while the average-sized homes should fare better.
ParticipantIf lifeisgood will really end up living in 4S for 15+ years, he needs not to worry about the price he’s paying now. However in this difficult time, large-sized houses with strict HOA and high MR will always be at greater risk. I noticed greater % of homes on the market are either <2,000SF condos or >2,800SF houses.
Smaller condos represent investment properties to be abandoned and larger houses represent shattered dreams. The mid-sized homes (2,000SF – 2,800SF) may just be the sweet spot that more families are able to hold on to, despite the difficult time.
Thus I think the situation at 4S will be more at the 2 extremes, while the average-sized homes should fare better.
ParticipantIf lifeisgood will really end up living in 4S for 15+ years, he needs not to worry about the price he’s paying now. However in this difficult time, large-sized houses with strict HOA and high MR will always be at greater risk. I noticed greater % of homes on the market are either <2,000SF condos or >2,800SF houses.
Smaller condos represent investment properties to be abandoned and larger houses represent shattered dreams. The mid-sized homes (2,000SF – 2,800SF) may just be the sweet spot that more families are able to hold on to, despite the difficult time.
Thus I think the situation at 4S will be more at the 2 extremes, while the average-sized homes should fare better.
ParticipantIf lifeisgood will really end up living in 4S for 15+ years, he needs not to worry about the price he’s paying now. However in this difficult time, large-sized houses with strict HOA and high MR will always be at greater risk. I noticed greater % of homes on the market are either <2,000SF condos or >2,800SF houses.
Smaller condos represent investment properties to be abandoned and larger houses represent shattered dreams. The mid-sized homes (2,000SF – 2,800SF) may just be the sweet spot that more families are able to hold on to, despite the difficult time.
Thus I think the situation at 4S will be more at the 2 extremes, while the average-sized homes should fare better.
ParticipantDebt ratio is just as important as good credit score. My credit scores are 737 (Experian), 810 (Equifax) & 808 (TransUnion). But my loan officer told me that equally important was the fact that I have no debt; no mortgage (rental), no car payment, no student loan, no child support … no debt of any kind whatsoever and it has been this way for nearly 5 years.
Thus combining with good credit score, I easily qualified for a loan with the absolutely lowest rate.
I had feared that being debt-free may hurt my credit (especially that I pay off my credit cards every month and never let the banks collect interest fees) but it actually helped. Go figure.
ParticipantDebt ratio is just as important as good credit score. My credit scores are 737 (Experian), 810 (Equifax) & 808 (TransUnion). But my loan officer told me that equally important was the fact that I have no debt; no mortgage (rental), no car payment, no student loan, no child support … no debt of any kind whatsoever and it has been this way for nearly 5 years.
Thus combining with good credit score, I easily qualified for a loan with the absolutely lowest rate.
I had feared that being debt-free may hurt my credit (especially that I pay off my credit cards every month and never let the banks collect interest fees) but it actually helped. Go figure.
ParticipantDebt ratio is just as important as good credit score. My credit scores are 737 (Experian), 810 (Equifax) & 808 (TransUnion). But my loan officer told me that equally important was the fact that I have no debt; no mortgage (rental), no car payment, no student loan, no child support … no debt of any kind whatsoever and it has been this way for nearly 5 years.
Thus combining with good credit score, I easily qualified for a loan with the absolutely lowest rate.
I had feared that being debt-free may hurt my credit (especially that I pay off my credit cards every month and never let the banks collect interest fees) but it actually helped. Go figure.
ParticipantDebt ratio is just as important as good credit score. My credit scores are 737 (Experian), 810 (Equifax) & 808 (TransUnion). But my loan officer told me that equally important was the fact that I have no debt; no mortgage (rental), no car payment, no student loan, no child support … no debt of any kind whatsoever and it has been this way for nearly 5 years.
Thus combining with good credit score, I easily qualified for a loan with the absolutely lowest rate.
I had feared that being debt-free may hurt my credit (especially that I pay off my credit cards every month and never let the banks collect interest fees) but it actually helped. Go figure.
ParticipantDebt ratio is just as important as good credit score. My credit scores are 737 (Experian), 810 (Equifax) & 808 (TransUnion). But my loan officer told me that equally important was the fact that I have no debt; no mortgage (rental), no car payment, no student loan, no child support … no debt of any kind whatsoever and it has been this way for nearly 5 years.
Thus combining with good credit score, I easily qualified for a loan with the absolutely lowest rate.
I had feared that being debt-free may hurt my credit (especially that I pay off my credit cards every month and never let the banks collect interest fees) but it actually helped. Go figure.
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