[SD Realtor]

Consult the tax code. For owner occupied homes no, you are not allowed to deduct them. However that does not mean that many people do not deduct them for owner occupied homes.

SD Realtor

[SD Realtor]

Consult the tax code. For owner occupied homes no, you are not allowed to deduct them. However that does not mean that many people do not deduct them for owner occupied homes.

SD Realtor

[SD Realtor]

Consult the tax code. For owner occupied homes no, you are not allowed to deduct them. However that does not mean that many people do not deduct them for owner occupied homes.

SD Realtor

[SD Realtor]

Consult the tax code. For owner occupied homes no, you are not allowed to deduct them. However that does not mean that many people do not deduct them for owner occupied homes.

SD Realtor

[SD Realtor]

Consult the tax code. For owner occupied homes no, you are not allowed to deduct them. However that does not mean that many people do not deduct them for owner occupied homes.

SD Realtor

[SD Realtor]

NewtoSD – Since you are buying a new home you are working straight with the developer I assume. You can talk to the developer to see if they will let you keep your loan contingency until closing. Unfortunately I doubt they will.

Most people who buy from developers simply float the loan rate until they get within 30 days of closing. Then they lock the rate at that time. This does leave them susceptible to rate fluctuations that could be quite harmful if they flare up at the wrong time. This is always the risk of locking into a purchase months before coe. Like I said, try to see if they will let you keep the loan contingency until coe or right before coe. Chances are they will not but you can try. Otherwise see if they will let you have a long lock period, I assume you are using the preferred lender to get your incentives. Alot of the time they will have programs with an early lock and a 1 time float down in the event rates go down. They charge you for this but you may want to utilize it.

Also, it is unfortunate but many people get blinded by the incentives and rush to use the preferred lender rather then considering an outside lender to get a possibly better rate.

SD Realtor

[SD Realtor]

NewtoSD – Since you are buying a new home you are working straight with the developer I assume. You can talk to the developer to see if they will let you keep your loan contingency until closing. Unfortunately I doubt they will.

Most people who buy from developers simply float the loan rate until they get within 30 days of closing. Then they lock the rate at that time. This does leave them susceptible to rate fluctuations that could be quite harmful if they flare up at the wrong time. This is always the risk of locking into a purchase months before coe. Like I said, try to see if they will let you keep the loan contingency until coe or right before coe. Chances are they will not but you can try. Otherwise see if they will let you have a long lock period, I assume you are using the preferred lender to get your incentives. Alot of the time they will have programs with an early lock and a 1 time float down in the event rates go down. They charge you for this but you may want to utilize it.

Also, it is unfortunate but many people get blinded by the incentives and rush to use the preferred lender rather then considering an outside lender to get a possibly better rate.

SD Realtor

[SD Realtor]

NewtoSD – Since you are buying a new home you are working straight with the developer I assume. You can talk to the developer to see if they will let you keep your loan contingency until closing. Unfortunately I doubt they will.

Most people who buy from developers simply float the loan rate until they get within 30 days of closing. Then they lock the rate at that time. This does leave them susceptible to rate fluctuations that could be quite harmful if they flare up at the wrong time. This is always the risk of locking into a purchase months before coe. Like I said, try to see if they will let you keep the loan contingency until coe or right before coe. Chances are they will not but you can try. Otherwise see if they will let you have a long lock period, I assume you are using the preferred lender to get your incentives. Alot of the time they will have programs with an early lock and a 1 time float down in the event rates go down. They charge you for this but you may want to utilize it.

Also, it is unfortunate but many people get blinded by the incentives and rush to use the preferred lender rather then considering an outside lender to get a possibly better rate.

SD Realtor

[SD Realtor]

NewtoSD – Since you are buying a new home you are working straight with the developer I assume. You can talk to the developer to see if they will let you keep your loan contingency until closing. Unfortunately I doubt they will.

Most people who buy from developers simply float the loan rate until they get within 30 days of closing. Then they lock the rate at that time. This does leave them susceptible to rate fluctuations that could be quite harmful if they flare up at the wrong time. This is always the risk of locking into a purchase months before coe. Like I said, try to see if they will let you keep the loan contingency until coe or right before coe. Chances are they will not but you can try. Otherwise see if they will let you have a long lock period, I assume you are using the preferred lender to get your incentives. Alot of the time they will have programs with an early lock and a 1 time float down in the event rates go down. They charge you for this but you may want to utilize it.

Also, it is unfortunate but many people get blinded by the incentives and rush to use the preferred lender rather then considering an outside lender to get a possibly better rate.

SD Realtor

[SD Realtor]

NewtoSD – Since you are buying a new home you are working straight with the developer I assume. You can talk to the developer to see if they will let you keep your loan contingency until closing. Unfortunately I doubt they will.

Most people who buy from developers simply float the loan rate until they get within 30 days of closing. Then they lock the rate at that time. This does leave them susceptible to rate fluctuations that could be quite harmful if they flare up at the wrong time. This is always the risk of locking into a purchase months before coe. Like I said, try to see if they will let you keep the loan contingency until coe or right before coe. Chances are they will not but you can try. Otherwise see if they will let you have a long lock period, I assume you are using the preferred lender to get your incentives. Alot of the time they will have programs with an early lock and a 1 time float down in the event rates go down. They charge you for this but you may want to utilize it.

Also, it is unfortunate but many people get blinded by the incentives and rush to use the preferred lender rather then considering an outside lender to get a possibly better rate.

SD Realtor

[SD Realtor]

All of Oceanside (IMO) will continue to fall bigtime. If you can, urge your friends to wait another year at the least if possible. Rancho Del Oro is okay but ask them to check out Ivy Ranch. I believe it is a noticeable upgrade to Rancho Del Oro for not much of a price increase.

SD Realtor

[SD Realtor]

All of Oceanside (IMO) will continue to fall bigtime. If you can, urge your friends to wait another year at the least if possible. Rancho Del Oro is okay but ask them to check out Ivy Ranch. I believe it is a noticeable upgrade to Rancho Del Oro for not much of a price increase.

SD Realtor

[SD Realtor]

All of Oceanside (IMO) will continue to fall bigtime. If you can, urge your friends to wait another year at the least if possible. Rancho Del Oro is okay but ask them to check out Ivy Ranch. I believe it is a noticeable upgrade to Rancho Del Oro for not much of a price increase.

SD Realtor

[SD Realtor]

All of Oceanside (IMO) will continue to fall bigtime. If you can, urge your friends to wait another year at the least if possible. Rancho Del Oro is okay but ask them to check out Ivy Ranch. I believe it is a noticeable upgrade to Rancho Del Oro for not much of a price increase.

SD Realtor

[SD Realtor]

I would agree with you blackbox. Some sellers are getting it by pricing low and getting bidding wars. I am sure that happened with this home. It will more then likely close at a higher then advertised price.

SD Realtor

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