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Scarlett
Participant[quote=jimmyle]The typical home in NW MM along Calle Cristobal is similar to the listing below. Right now it is in contigency. The listing price is $439k and I think the sale price will be in the range of $420k to $440k. Perhaps you can be patient and look for a smaller home in this area. There are houses in this area that are around 1700 sq ft that can go for $400k. Recently, there was one that closed at $360k. There was another one that close last year at $420k. One drawback of these houses is that many are along Calle Cristobal so road noise is a problem.
http://www.sdlookup.com/MLS-100071449-7446_Sean_Taylor_Ln_San_Diego_CA_92126
Home insurance for a $400k home is usually around $450-$650 annually. PMI is around $180 monthly and if you put 10% down, it will take 7 years until your equity reaches 20% of sale price when PMI will stop.[/quote]
The problem with this NW corner of Mira Mesa which is the nicest area of MM – is that is mostly North of Calle Cristobal. And MOST houses fall in 2 categories – canyon view (a 30-50K worth canyon view – i.e. more expensive) OR you get a LOT of road noise from Calle Cristobal. I said MOST houses. There are a few in-between. So if you are ok with the ‘hood and Mira Mesa in general and you can find yourself one of those “in the middle” houses, great. Also the commute may be still an issue with the bottleneck at the railroad tracks at Sorrento Valley. I personally like the houses there on Cristobal quite a bit – I looked at 5 or 6 – only the road noise bothered us, and I didn’t care to pay for a canyon view, so I gave up on MM. I had enough other areas (PUSD, SR) to monitor without adding NW Mira Mesa to them.
Participant[quote=jimmyle]The typical home in NW MM along Calle Cristobal is similar to the listing below. Right now it is in contigency. The listing price is $439k and I think the sale price will be in the range of $420k to $440k. Perhaps you can be patient and look for a smaller home in this area. There are houses in this area that are around 1700 sq ft that can go for $400k. Recently, there was one that closed at $360k. There was another one that close last year at $420k. One drawback of these houses is that many are along Calle Cristobal so road noise is a problem.
http://www.sdlookup.com/MLS-100071449-7446_Sean_Taylor_Ln_San_Diego_CA_92126
Home insurance for a $400k home is usually around $450-$650 annually. PMI is around $180 monthly and if you put 10% down, it will take 7 years until your equity reaches 20% of sale price when PMI will stop.[/quote]
The problem with this NW corner of Mira Mesa which is the nicest area of MM – is that is mostly North of Calle Cristobal. And MOST houses fall in 2 categories – canyon view (a 30-50K worth canyon view – i.e. more expensive) OR you get a LOT of road noise from Calle Cristobal. I said MOST houses. There are a few in-between. So if you are ok with the ‘hood and Mira Mesa in general and you can find yourself one of those “in the middle” houses, great. Also the commute may be still an issue with the bottleneck at the railroad tracks at Sorrento Valley. I personally like the houses there on Cristobal quite a bit – I looked at 5 or 6 – only the road noise bothered us, and I didn’t care to pay for a canyon view, so I gave up on MM. I had enough other areas (PUSD, SR) to monitor without adding NW Mira Mesa to them.
Participant[quote=jimmyle]The typical home in NW MM along Calle Cristobal is similar to the listing below. Right now it is in contigency. The listing price is $439k and I think the sale price will be in the range of $420k to $440k. Perhaps you can be patient and look for a smaller home in this area. There are houses in this area that are around 1700 sq ft that can go for $400k. Recently, there was one that closed at $360k. There was another one that close last year at $420k. One drawback of these houses is that many are along Calle Cristobal so road noise is a problem.
http://www.sdlookup.com/MLS-100071449-7446_Sean_Taylor_Ln_San_Diego_CA_92126
Home insurance for a $400k home is usually around $450-$650 annually. PMI is around $180 monthly and if you put 10% down, it will take 7 years until your equity reaches 20% of sale price when PMI will stop.[/quote]
The problem with this NW corner of Mira Mesa which is the nicest area of MM – is that is mostly North of Calle Cristobal. And MOST houses fall in 2 categories – canyon view (a 30-50K worth canyon view – i.e. more expensive) OR you get a LOT of road noise from Calle Cristobal. I said MOST houses. There are a few in-between. So if you are ok with the ‘hood and Mira Mesa in general and you can find yourself one of those “in the middle” houses, great. Also the commute may be still an issue with the bottleneck at the railroad tracks at Sorrento Valley. I personally like the houses there on Cristobal quite a bit – I looked at 5 or 6 – only the road noise bothered us, and I didn’t care to pay for a canyon view, so I gave up on MM. I had enough other areas (PUSD, SR) to monitor without adding NW Mira Mesa to them.
Participant[quote=jimmyle]The typical home in NW MM along Calle Cristobal is similar to the listing below. Right now it is in contigency. The listing price is $439k and I think the sale price will be in the range of $420k to $440k. Perhaps you can be patient and look for a smaller home in this area. There are houses in this area that are around 1700 sq ft that can go for $400k. Recently, there was one that closed at $360k. There was another one that close last year at $420k. One drawback of these houses is that many are along Calle Cristobal so road noise is a problem.
http://www.sdlookup.com/MLS-100071449-7446_Sean_Taylor_Ln_San_Diego_CA_92126
Home insurance for a $400k home is usually around $450-$650 annually. PMI is around $180 monthly and if you put 10% down, it will take 7 years until your equity reaches 20% of sale price when PMI will stop.[/quote]
The problem with this NW corner of Mira Mesa which is the nicest area of MM – is that is mostly North of Calle Cristobal. And MOST houses fall in 2 categories – canyon view (a 30-50K worth canyon view – i.e. more expensive) OR you get a LOT of road noise from Calle Cristobal. I said MOST houses. There are a few in-between. So if you are ok with the ‘hood and Mira Mesa in general and you can find yourself one of those “in the middle” houses, great. Also the commute may be still an issue with the bottleneck at the railroad tracks at Sorrento Valley. I personally like the houses there on Cristobal quite a bit – I looked at 5 or 6 – only the road noise bothered us, and I didn’t care to pay for a canyon view, so I gave up on MM. I had enough other areas (PUSD, SR) to monitor without adding NW Mira Mesa to them.
Participant[quote=jimmyle]The typical home in NW MM along Calle Cristobal is similar to the listing below. Right now it is in contigency. The listing price is $439k and I think the sale price will be in the range of $420k to $440k. Perhaps you can be patient and look for a smaller home in this area. There are houses in this area that are around 1700 sq ft that can go for $400k. Recently, there was one that closed at $360k. There was another one that close last year at $420k. One drawback of these houses is that many are along Calle Cristobal so road noise is a problem.
http://www.sdlookup.com/MLS-100071449-7446_Sean_Taylor_Ln_San_Diego_CA_92126
Home insurance for a $400k home is usually around $450-$650 annually. PMI is around $180 monthly and if you put 10% down, it will take 7 years until your equity reaches 20% of sale price when PMI will stop.[/quote]
The problem with this NW corner of Mira Mesa which is the nicest area of MM – is that is mostly North of Calle Cristobal. And MOST houses fall in 2 categories – canyon view (a 30-50K worth canyon view – i.e. more expensive) OR you get a LOT of road noise from Calle Cristobal. I said MOST houses. There are a few in-between. So if you are ok with the ‘hood and Mira Mesa in general and you can find yourself one of those “in the middle” houses, great. Also the commute may be still an issue with the bottleneck at the railroad tracks at Sorrento Valley. I personally like the houses there on Cristobal quite a bit – I looked at 5 or 6 – only the road noise bothered us, and I didn’t care to pay for a canyon view, so I gave up on MM. I had enough other areas (PUSD, SR) to monitor without adding NW Mira Mesa to them.
ParticipantAbout PMI
That depends on the different mortgage insurance company and also could depend on the how much you put down – 10% or 15%. Also if the loan is high balance (over 417K) or below.
I know that in case of high balance – like a 500K loan, the PMI with 10% down can be a little above 400$/mo. In your case, it’s under 417K loan so you should plan probably on $200-$250/month.
If you want to know more concrete examples (and they vary from day to day and lender to lender), why don’t you try PM Sheldon (handle HLS)? He is very good and professional.
ParticipantAbout PMI
That depends on the different mortgage insurance company and also could depend on the how much you put down – 10% or 15%. Also if the loan is high balance (over 417K) or below.
I know that in case of high balance – like a 500K loan, the PMI with 10% down can be a little above 400$/mo. In your case, it’s under 417K loan so you should plan probably on $200-$250/month.
If you want to know more concrete examples (and they vary from day to day and lender to lender), why don’t you try PM Sheldon (handle HLS)? He is very good and professional.
ParticipantAbout PMI
That depends on the different mortgage insurance company and also could depend on the how much you put down – 10% or 15%. Also if the loan is high balance (over 417K) or below.
I know that in case of high balance – like a 500K loan, the PMI with 10% down can be a little above 400$/mo. In your case, it’s under 417K loan so you should plan probably on $200-$250/month.
If you want to know more concrete examples (and they vary from day to day and lender to lender), why don’t you try PM Sheldon (handle HLS)? He is very good and professional.
ParticipantAbout PMI
That depends on the different mortgage insurance company and also could depend on the how much you put down – 10% or 15%. Also if the loan is high balance (over 417K) or below.
I know that in case of high balance – like a 500K loan, the PMI with 10% down can be a little above 400$/mo. In your case, it’s under 417K loan so you should plan probably on $200-$250/month.
If you want to know more concrete examples (and they vary from day to day and lender to lender), why don’t you try PM Sheldon (handle HLS)? He is very good and professional.
ParticipantAbout PMI
That depends on the different mortgage insurance company and also could depend on the how much you put down – 10% or 15%. Also if the loan is high balance (over 417K) or below.
I know that in case of high balance – like a 500K loan, the PMI with 10% down can be a little above 400$/mo. In your case, it’s under 417K loan so you should plan probably on $200-$250/month.
If you want to know more concrete examples (and they vary from day to day and lender to lender), why don’t you try PM Sheldon (handle HLS)? He is very good and professional.
Participant[quote=bearishgurl]Thank you, Scarlett. Yes, I am aware that much of PQ was built before 1987, when Mello Roos bonds debuted in SD County, especially those areas immediately west of I-15 off the PQ & Carmel Mtn exits. That’s why I qualified my statement with:
Much of PQ has MR, which may be the same (or more) as paying HOA dues. In PQ, you may also have to pay HOA dues for an SFR, IN ADDITION to MR.
[/quote]
The key word is MUCH 🙂 which is wrong, even you are saying now “much of PQ was built before 1987” – therefore, it shouldn’t have and it doesn’t have MRs[quote=bearishgurl]sdmove, have you searched any townhomes online which are situated BEHIND the Ralphs in UC (LJ Village Square?). [/quote]
Those are Southpointe, Eastbluff, Woodlands, and a couple others.[quote=bearishgurl] the one I pet-sat in for 10 days was on Mahaila Ave. Are any of these units within your price range? IIRC, they have oversized 2-car garages, are well insulated and feel like a house.[/quote]
Mahaila ave is not in LJ village Square, it’s in 92122 and it goes to Doyle as well.Participant[quote=bearishgurl]Thank you, Scarlett. Yes, I am aware that much of PQ was built before 1987, when Mello Roos bonds debuted in SD County, especially those areas immediately west of I-15 off the PQ & Carmel Mtn exits. That’s why I qualified my statement with:
Much of PQ has MR, which may be the same (or more) as paying HOA dues. In PQ, you may also have to pay HOA dues for an SFR, IN ADDITION to MR.
[/quote]
The key word is MUCH 🙂 which is wrong, even you are saying now “much of PQ was built before 1987” – therefore, it shouldn’t have and it doesn’t have MRs[quote=bearishgurl]sdmove, have you searched any townhomes online which are situated BEHIND the Ralphs in UC (LJ Village Square?). [/quote]
Those are Southpointe, Eastbluff, Woodlands, and a couple others.[quote=bearishgurl] the one I pet-sat in for 10 days was on Mahaila Ave. Are any of these units within your price range? IIRC, they have oversized 2-car garages, are well insulated and feel like a house.[/quote]
Mahaila ave is not in LJ village Square, it’s in 92122 and it goes to Doyle as well.Participant[quote=bearishgurl]Thank you, Scarlett. Yes, I am aware that much of PQ was built before 1987, when Mello Roos bonds debuted in SD County, especially those areas immediately west of I-15 off the PQ & Carmel Mtn exits. That’s why I qualified my statement with:
Much of PQ has MR, which may be the same (or more) as paying HOA dues. In PQ, you may also have to pay HOA dues for an SFR, IN ADDITION to MR.
[/quote]
The key word is MUCH 🙂 which is wrong, even you are saying now “much of PQ was built before 1987” – therefore, it shouldn’t have and it doesn’t have MRs[quote=bearishgurl]sdmove, have you searched any townhomes online which are situated BEHIND the Ralphs in UC (LJ Village Square?). [/quote]
Those are Southpointe, Eastbluff, Woodlands, and a couple others.[quote=bearishgurl] the one I pet-sat in for 10 days was on Mahaila Ave. Are any of these units within your price range? IIRC, they have oversized 2-car garages, are well insulated and feel like a house.[/quote]
Mahaila ave is not in LJ village Square, it’s in 92122 and it goes to Doyle as well.Participant[quote=bearishgurl]Thank you, Scarlett. Yes, I am aware that much of PQ was built before 1987, when Mello Roos bonds debuted in SD County, especially those areas immediately west of I-15 off the PQ & Carmel Mtn exits. That’s why I qualified my statement with:
Much of PQ has MR, which may be the same (or more) as paying HOA dues. In PQ, you may also have to pay HOA dues for an SFR, IN ADDITION to MR.
[/quote]
The key word is MUCH 🙂 which is wrong, even you are saying now “much of PQ was built before 1987” – therefore, it shouldn’t have and it doesn’t have MRs[quote=bearishgurl]sdmove, have you searched any townhomes online which are situated BEHIND the Ralphs in UC (LJ Village Square?). [/quote]
Those are Southpointe, Eastbluff, Woodlands, and a couple others.[quote=bearishgurl] the one I pet-sat in for 10 days was on Mahaila Ave. Are any of these units within your price range? IIRC, they have oversized 2-car garages, are well insulated and feel like a house.[/quote]
Mahaila ave is not in LJ village Square, it’s in 92122 and it goes to Doyle as well. -
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