[sdmove]

[quote]sdmove, I looked at UCGal’s Pennant Village listing and I think that’s a good option for you.

If you could possibly save and qualify for just a bit more, I want to recommend these units. I don’t know if there is any pending litigation or if they will now qualify to be financed. They are units I’m familiar with and they have a lot of amenities for your HOA dues, which are $330 – $396, a bit high. Remember that a condo insurance premium is less than the premium for an SFR, because the association is insuring the common areas and common construction.

I just consulted SDLookup and I was in error that I pet-sat on Mahaila Ave (above). This was another friend’s unit. This complex on Mahaila Ave is first class right in line with the complex on the north side of Friars at Fashion Valley Road. It has fantastic amenities.

http://www.sdlookup.com/MLS-100066187-3969_Mahaila_Ave_103_San_Diego_CA_92122

I’m pretty sure these next two are actually in the same complex as I pet-sat in for 10 days. Mind you that it was the holiday season of 1981 and I’m just trying to go on memory here. This complex would have only been only 1.5 yrs old at the time, which sounds correct. If these are the right ones, they are 3 stories with open space between them and the UTC Mall (also fairly new at that time). The gym and other amenities made me feel like I was staying at a nice timeshare. I stayed in a 4 bdrm 1750+ sf unit like the ones below. It was VERY quiet. I couldn’t hear any neighbors and it was also well-built. It was just like living in an SFR.

I CAN tell you that my friend paid about $157K for it new and at the time I pet-sat, the HOA dues were about $159. Of course, this is irrelevant today, lol.

http://www.sdlookup.com/MLS-100065782-4481_Via_Pasear_San_Diego_CA_92122

http://www.sdlookup.com/MLS-100073019-4408_Via_Amable_San_Diego_CA_92122

I also have a friend who owns a 3 bdrm unit in Eastbluff and I would not recommend those units for a family because their kitchen was very small with about 12 sq ft of counter space (half the size of the kitchen in UCGal’s patio home listing).

edit: if you stay in UC, don’t forget how much gas you’re going to save per month (not even considering your time) :=][/quote]

Bearishgurl, unfortunately the condo on Mahalia and Via Andar/Paseo are out of my budget. However, the one on Erlanger (Pennant Village) is something I will look at seriously.

[sdmove]

[quote]sdmove, I looked at UCGal’s Pennant Village listing and I think that’s a good option for you.

If you could possibly save and qualify for just a bit more, I want to recommend these units. I don’t know if there is any pending litigation or if they will now qualify to be financed. They are units I’m familiar with and they have a lot of amenities for your HOA dues, which are $330 – $396, a bit high. Remember that a condo insurance premium is less than the premium for an SFR, because the association is insuring the common areas and common construction.

I just consulted SDLookup and I was in error that I pet-sat on Mahaila Ave (above). This was another friend’s unit. This complex on Mahaila Ave is first class right in line with the complex on the north side of Friars at Fashion Valley Road. It has fantastic amenities.

http://www.sdlookup.com/MLS-100066187-3969_Mahaila_Ave_103_San_Diego_CA_92122

I’m pretty sure these next two are actually in the same complex as I pet-sat in for 10 days. Mind you that it was the holiday season of 1981 and I’m just trying to go on memory here. This complex would have only been only 1.5 yrs old at the time, which sounds correct. If these are the right ones, they are 3 stories with open space between them and the UTC Mall (also fairly new at that time). The gym and other amenities made me feel like I was staying at a nice timeshare. I stayed in a 4 bdrm 1750+ sf unit like the ones below. It was VERY quiet. I couldn’t hear any neighbors and it was also well-built. It was just like living in an SFR.

I CAN tell you that my friend paid about $157K for it new and at the time I pet-sat, the HOA dues were about $159. Of course, this is irrelevant today, lol.

http://www.sdlookup.com/MLS-100065782-4481_Via_Pasear_San_Diego_CA_92122

http://www.sdlookup.com/MLS-100073019-4408_Via_Amable_San_Diego_CA_92122

I also have a friend who owns a 3 bdrm unit in Eastbluff and I would not recommend those units for a family because their kitchen was very small with about 12 sq ft of counter space (half the size of the kitchen in UCGal’s patio home listing).

edit: if you stay in UC, don’t forget how much gas you’re going to save per month (not even considering your time) :=][/quote]

Bearishgurl, unfortunately the condo on Mahalia and Via Andar/Paseo are out of my budget. However, the one on Erlanger (Pennant Village) is something I will look at seriously.

[sdmove]

[quote=Scarlett]About 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.[/quote]

Thanks Scarlett. I think I’ll just put down 20% to avoid the PMI headaches.

[sdmove]

[quote=Scarlett]About 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.[/quote]

Thanks Scarlett. I think I’ll just put down 20% to avoid the PMI headaches.

[sdmove]

[quote=Scarlett]About 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.[/quote]

Thanks Scarlett. I think I’ll just put down 20% to avoid the PMI headaches.

[sdmove]

[quote=Scarlett]About 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.[/quote]

Thanks Scarlett. I think I’ll just put down 20% to avoid the PMI headaches.

[sdmove]

[quote=Scarlett]About 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.[/quote]

Thanks Scarlett. I think I’ll just put down 20% to avoid the PMI headaches.

[sdmove]

Thanks bearishgurl. I appreciate your guidance as a lot of people forget to include HOA and MR in their pricing decisions.

I love UC and if I could buy a house here, it would be my first choice. PQ probably second. CV if I win the lottery.

My commute to work is anywhere from 2-8 minutes depending on lights. This allows me more time with my boys and this is something I will lose if I move to PQ. I am guessing the commute to and from PQ to UC is 35-40 minutes. I would probably leave at 8:15am in the morning – probably the worst time to be on the road. And go home at 5 – equally bad timing.

This won’t be a decision I make lightly so that’s why I am anticipating a 1 year time frame.

[sdmove]

Thanks bearishgurl. I appreciate your guidance as a lot of people forget to include HOA and MR in their pricing decisions.

I love UC and if I could buy a house here, it would be my first choice. PQ probably second. CV if I win the lottery.

My commute to work is anywhere from 2-8 minutes depending on lights. This allows me more time with my boys and this is something I will lose if I move to PQ. I am guessing the commute to and from PQ to UC is 35-40 minutes. I would probably leave at 8:15am in the morning – probably the worst time to be on the road. And go home at 5 – equally bad timing.

This won’t be a decision I make lightly so that’s why I am anticipating a 1 year time frame.

[sdmove]

Thanks bearishgurl. I appreciate your guidance as a lot of people forget to include HOA and MR in their pricing decisions.

I love UC and if I could buy a house here, it would be my first choice. PQ probably second. CV if I win the lottery.

My commute to work is anywhere from 2-8 minutes depending on lights. This allows me more time with my boys and this is something I will lose if I move to PQ. I am guessing the commute to and from PQ to UC is 35-40 minutes. I would probably leave at 8:15am in the morning – probably the worst time to be on the road. And go home at 5 – equally bad timing.

This won’t be a decision I make lightly so that’s why I am anticipating a 1 year time frame.

[sdmove]

Thanks bearishgurl. I appreciate your guidance as a lot of people forget to include HOA and MR in their pricing decisions.

I love UC and if I could buy a house here, it would be my first choice. PQ probably second. CV if I win the lottery.

My commute to work is anywhere from 2-8 minutes depending on lights. This allows me more time with my boys and this is something I will lose if I move to PQ. I am guessing the commute to and from PQ to UC is 35-40 minutes. I would probably leave at 8:15am in the morning – probably the worst time to be on the road. And go home at 5 – equally bad timing.

This won’t be a decision I make lightly so that’s why I am anticipating a 1 year time frame.

[sdmove]

Thanks bearishgurl. I appreciate your guidance as a lot of people forget to include HOA and MR in their pricing decisions.

I love UC and if I could buy a house here, it would be my first choice. PQ probably second. CV if I win the lottery.

My commute to work is anywhere from 2-8 minutes depending on lights. This allows me more time with my boys and this is something I will lose if I move to PQ. I am guessing the commute to and from PQ to UC is 35-40 minutes. I would probably leave at 8:15am in the morning – probably the worst time to be on the road. And go home at 5 – equally bad timing.

This won’t be a decision I make lightly so that’s why I am anticipating a 1 year time frame.

[sdmove]

[quote=UCGal]If you don’t mind fixed up/but older this one in my ‘hood just came on the market.

http://www.sdlookup.com/MLS-110009020-5962_Erlanger_St_San_Diego_CA_92122
$380k for a 3/2 with 1296 sf. But… It was built in the early 60’s and some people only want newer homes.

It’s close enough to me that I walk my dog through this area fairly regularly. The downside of this house is that, well, you might run into me walking or biking my dog.

It’s only common wall is in the garage. It’s got really nice common green space – and this particular twin home has a canyon view. Pennant Village has a pool/rec center. I have a few friends who live over there.

And it’s in the Curie boundaries.[/quote]

Hello UCGal,
That’s actually one of the homes I’m considering. The only issue I had was it looks like there are rentals close by that could hurt the value. But I guess that’s why it’s affordable in the first place. The HOAs of $300 put it out of my budget but it’s close!

Do your friends like these homes? Guessing yes. Do you know if these units have AC? Since they’re older I’m guessing no but that’s probably something I can add at a later date. I’ll put it down on mjy “to view list” in UC.

[sdmove]

[quote=UCGal]If you don’t mind fixed up/but older this one in my ‘hood just came on the market.

http://www.sdlookup.com/MLS-110009020-5962_Erlanger_St_San_Diego_CA_92122
$380k for a 3/2 with 1296 sf. But… It was built in the early 60’s and some people only want newer homes.

It’s close enough to me that I walk my dog through this area fairly regularly. The downside of this house is that, well, you might run into me walking or biking my dog.

It’s only common wall is in the garage. It’s got really nice common green space – and this particular twin home has a canyon view. Pennant Village has a pool/rec center. I have a few friends who live over there.

And it’s in the Curie boundaries.[/quote]

Hello UCGal,
That’s actually one of the homes I’m considering. The only issue I had was it looks like there are rentals close by that could hurt the value. But I guess that’s why it’s affordable in the first place. The HOAs of $300 put it out of my budget but it’s close!

Do your friends like these homes? Guessing yes. Do you know if these units have AC? Since they’re older I’m guessing no but that’s probably something I can add at a later date. I’ll put it down on mjy “to view list” in UC.

[sdmove]

[quote=UCGal]If you don’t mind fixed up/but older this one in my ‘hood just came on the market.

http://www.sdlookup.com/MLS-110009020-5962_Erlanger_St_San_Diego_CA_92122
$380k for a 3/2 with 1296 sf. But… It was built in the early 60’s and some people only want newer homes.

It’s close enough to me that I walk my dog through this area fairly regularly. The downside of this house is that, well, you might run into me walking or biking my dog.

It’s only common wall is in the garage. It’s got really nice common green space – and this particular twin home has a canyon view. Pennant Village has a pool/rec center. I have a few friends who live over there.

And it’s in the Curie boundaries.[/quote]

Hello UCGal,
That’s actually one of the homes I’m considering. The only issue I had was it looks like there are rentals close by that could hurt the value. But I guess that’s why it’s affordable in the first place. The HOAs of $300 put it out of my budget but it’s close!

Do your friends like these homes? Guessing yes. Do you know if these units have AC? Since they’re older I’m guessing no but that’s probably something I can add at a later date. I’ll put it down on mjy “to view list” in UC.

[Author]

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