Saturday, June 23, 2012

How much can I afford with FHA loan in California?

It's a beautiful week-end in sunny San Diego and my phone has been ringing plenty which is always nice!
We are having multiple offers on properties in San Diego and Orange county. All price ranges are very active...as long as they are priced right! If they are over priced, they will not move!
By the way, if you were not aware, FHA lending allow you to purchase a home with as little as 3.5% down payment.

 (Click the links for lists of home for sale {short sale, pre foreclosures, foreclosures, bank owned, REO, regular sale, equity sale} such as in
  • Bonita | 
  •  
  • Bonsall | 
  •  
  • Camp Pendleton - USMC | 
  •  
  • Capistrano Beach | 
  •  
  • Cardiff by the Sea | 
  •  
  • Carlsbad | 
  •  
  • Carmel Valley/San Diego | 
  •  
  • Chula Vista | 
  •  
  • Coronado | 
  •  
  • Dana point | 
  •  
  • Del Mar | 
  •  
  • Encinitas | 
  •  
  • Escondido | 
  •  
  • Fallbrook | 
  •  
  • La Jolla | 
  •  
  • Ladera Ranch | 
  •  
  • Leucadia | 
  •  
  • Lifestyle: Orange County Coastal cities | 
  •  
  • Lifestyle: South Orange County 
  •  
  • Lifestyle:Central San Diego cities | 
  •  
  • Lifestyle:North County Coastal cities | 
  •  
  • Lifestyle:North County Inland cities | 
  •  
  • Lifestyle:San Diego Coastal cities |
  •  
  • Lifestyle:San Diego Metro | 
  •  
  • Mission Viejo | 
  •  
  • Oceanside | 
  •  
  • Point Loma | 
  •  
  • Poway | 
  •  
  • Rancho Bernardo | 
  •  
  • Rancho Santa Fe |
  •  
  • San Clemente | 
  •  
  • San Diego | 
  •  
  • San Luis Rey | 
  •  
  • San Marcos | 
  •  
  • Solana Beach | 
  •  
  • Vista)





  • First time buyers, let's shop!


    Here is below the complete list of Lending limits for FHA loans insured for CALIFORNIA counties.


    County Name
    Single Family
    Duplex
    Tri-plex
    Four-plex

    ALAMEDA
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION

    ALPINE
    $547,500
    $700,900
    $847,200
    $1,052,900
    NON-METRO

    AMADOR
    $443,750
    $568,050
    $686,650
    $853,350
    NON-METRO

    BUTTE
    $400,000
    $512,050
    $618,950
    $769,250
    CHICO, CA (MSA)

    CALAVERAS
    $462,500
    $592,050
    $715,700
    $889,450
    NON-METRO

    COLUSA
    $397,500
    $508,850
    $615,100
    $764,400
    NON-METRO

    CONTRA COSTA
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION

    DEL NORTE
    $311,250
    $398,450
    $481,650
    $598,550
    CRESCENT CITY, CA (MICRO)

    EL DORADO
    $580,000
    $742,500
    $897,500
    $1,115,400
    SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

    FRESNO
    $381,250
    $488,050
    $589,950
    $733,150
    FRESNO, CA (MSA)

    GLENN
    $287,500
    $368,050
    $444,900
    $552,900
    NON-METRO

    HUMBOLDT
    $393,750
    $504,050
    $609,300
    $757,200
    EUREKA-ARCATA-FORTUNA, CA (MICRO)

    IMPERIAL
    $325,000
    $416,050
    $502,900
    $625,000
    EL CENTRO, CA (MSA)

    INYO
    $437,500
    $560,050
    $677,000
    $841,350
    BISHOP, CA (MICRO)

    KERN
    $368,750
    $472,050
    $570,600
    $709,150
    BAKERSFIELD, CA (MSA)

    KINGS
    $325,000
    $416,050
    $502,900
    $625,000
    HANFORD-CORCORAN, CA (MSA)

    LAKE
    $401,250
    $513,650
    $620,900
    $771,650
    CLEARLAKE, CA (MICRO)

    LASSEN
    $285,000
    $364,850
    $441,000
    $548,050
    SUSANVILLE, CA (MICRO)

    LOS ANGELES
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    LOS ANGELES-LONG BEACH-GLENDALE, CA METROPOLITAN D

    MADERA
    $425,000
    $544,050
    $657,650
    $817,300
    MADERA, CA (MSA)

    MARIN
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

    MARIPOSA
    $412,500
    $528,050
    $638,300
    $793,250
    NON-METRO

    MENDOCINO
    $512,500
    $656,100
    $793,050
    $985,600
    UKIAH, CA (MICRO)

    MERCED
    $472,500
    $604,900
    $731,150
    $908,650
    MERCED, CA (MSA)

    MODOC
    $271,050
    $347,000
    $419,425
    $521,250
    NON-METRO

    MONO
    $529,000
    $677,200
    $818,600
    $1,017,300
    NON-METRO

    MONTEREY
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    SALINAS, CA (MSA)

    NAPA
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    NAPA, CA (MSA)

    NEVADA
    $562,500
    $720,100
    $870,450
    $1,081,750
    TRUCKEE-GRASS VALLEY, CA (MICRO)

    ORANGE
    $729,750
    $934,200
    $1,129,250
    $1,403,400

    SANTA ANA-ANAHEIM-IRVINE, CA METROPOLITAN DIVISION

    PLACER
    $580,000
    $742,500
    $897,500
    $1,115,400
    SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

    PLUMAS
    $410,000
    $524,850
    $634,450
    $788,450
    NON-METRO

    RIVERSIDE
    $500,000
    $640,100
    $773,700
    $961,550
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)

    SACRAMENTO
    $580,000
    $742,500
    $897,500
    $1,115,400
    SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

    SAN BENITO
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)

    SAN BERNARDINO
    $500,000
    $640,100
    $773,700
    $961,550
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)

    SAN DIEGO
    $697,500
    $892,950
    $1,079,350
    $1,341,350

    SAN DIEGO-CARLSBAD-SAN MARCOS, CA (MSA)

    SAN FRANCISCO
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

    SAN JOAQUIN
    $488,750
    $625,700
    $756,300
    $939,900
    STOCKTON, CA (MSA)

    SAN LUIS OBISPO
    $687,500
    $880,100
    $1,063,850
    $1,322,150
    SAN LUIS OBISPO-PASO ROBLES, CA (MSA)

    SAN MATEO
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

    SANTA BARBARA
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    SANTA BARBARA-SANTA MARIA, CA (MSA)

    SANTA CLARA
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)

    SANTA CRUZ
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    SANTA CRUZ-WATSONVILLE, CA (MSA)

    SHASTA
    $423,750
    $542,450
    $655,700
    $814,900
    REDDING, CA (MSA)

    SIERRA
    $304,750
    $390,100
    $471,550
    $586,050
    NON-METRO

    SISKIYOU
    $293,750
    $376,050
    $454,550
    $564,900
    NON-METRO

    SOLANO
    $557,500
    $713,700
    $862,700
    $1,072,150
    VALLEJO-FAIRFIELD, CA (MSA)

    SONOMA
    $662,500
    $848,100
    $1,025,200
    $1,274,050
    SANTA ROSA-PETALUMA, CA (MSA)

    STANISLAUS
    $423,750
    $542,450
    $655,700
    $814,900
    MODESTO, CA (MSA)

    SUTTER
    $425,000
    $544,050
    $657,650
    $817,300
    YUBA CITY, CA (MSA)

    TEHAMA
    $312,500
    $400,050
    $483,550
    $600,950
    RED BLUFF, CA (MICRO)

    TRINITY
    $271,050
    $347,000
    $419,425
    $521,250
    NON-METRO

    TULARE
    $325,000
    $416,050
    $502,900
    $625,000
    VISALIA-PORTERVILLE, CA (MSA)

    TUOLUMNE
    $437,500
    $560,050
    $677,000
    $841,350
    PHOENIX LAKE-CEDAR RIDGE, CA (MICRO)

    VENTURA
    $729,750
    $934,200
    $1,129,250
    $1,403,400
    OXNARD-THOUSAND OAKS-VENTURA, CA (MSA)

    YOLO
    $580,000
    $742,500
    $897,500
    $1,115,400
    SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

    YUBA
    $425,000
    $544,050
    $657,650
    $817,300
    YUBA CITY, CA (MSA)

    Copyright © 1997- 2012 · FHA.com · All Rights Reserved

    (includes FHA limits in Arcala, Eureka, Redding, Chico North, Paradise, Ukiah, Linda, Santa rosa, Sacraento, Napa, Lodi, San Francisco, San Jose, Turlock, Los Banos, Santa Cruz, Fresno, Visalia, Porterville, Atascadero, Ridgecrest, Bakersfield, Santa Maria, Barstow, Santa Barbara, Thousand Oaks, Los Angeles, Santa Ana, Laguna Beach, San Diego, El Centro...)



    Thank you for nominating me out of 6,000+ agents! CLICK HERE, It's time to vote DAILY 
    till July 3rd, so I can become 2012's SAN DIEGO'S BEST REAL ESTATE AGENT! Thx.


    Angélique Kenney | Realtor® for Professional AthletesCRS, GRI, e-ProSFRILHM memberSSR 

    +1.760.282.4663 (Last 4 Spells "HOME")

    Follow me online or just learn more"about me":

     *2011 PRUDENTIAL HONOR SOCIETY AWARD WINNER*

    International Properties | Luxury Estates Certified | Corporate, Athletes & Military Relocation Specialist  | Fluent in French | CA DRE#01846783, ID, HI
    Prudential California Realty 7030 Avenida Encinas | Suite 100 | Carlsbad, CA, 92011 | USA

    Tuesday, June 19, 2012

    Voting for UT San Diego Reader's poll 2012 - real estate agent


    UT San Diego Reader's poll 2012


    Thx all of you that voted for me for the UT San Diego reader's poll, I made the cut in the top 10 out of 6,000+ agents in San Diego county!!! 
    Votes DAILY till July 3rd to be THE best San Diego real estate agent!! Click here to vote
    You have to register once then vote daily.
    ----------------

    Merci les amis pour avoir voté pour moi il y a quelques semaines pour le San Diego vote des meilleurs agents immobilier de San Diego, je suis dans le top 10 des meilleurs agent sur plus the 6,000+ agents dans tous le compte de San Diego!!! Merci!!

    Votez TOUT LES JOURS sont jusqu'au 3 juillet pour etre LA meilleure de tout San Diego!!! :)
    Cliquez ici
    Il faut s'enregister une fois et voter tous les jours.





    Angélique Kenney | Realtor® for Professional AthletesCRSGRIe-ProSFRILHM memberSSR 

    +1.760.282.4663 (Last 4 Spells "HOME") | Email me | http://SDandOChomes.com

    Follow me online or just learn more"about me":

     *2011 PRUDENTIAL HONOR SOCIETY AWARD WINNER*

    International Properties | Luxury Estates Certified | Corporate, Athletes & Military Relocation Specialist  | Fluent in French | CA DRE#01846783, ID, HI
    Prudential California Realty 7030 Avenida Encinas | Suite 100 | Carlsbad, CA, 92011 | USA

    Saturday, June 16, 2012

    [VIDEO] Smart Bed Makes Itself After You Get Up!

    [VIDEO] Smart Bed Makes Itself After You Get Up!



    That's the perfect father's day gift!!
    I don't know you, but I'd love one of those! I wonder, would it throw the "decorative" pillows back on too?


    Spanish furniture maker OHEA has introduced the world’s first automated bed that makes itself. Saving sleepers from the mundane task of making their beds every morning, the smart bed is equipped with a device that enables it to automatically straighten the bedding.
    In a mere 50 seconds, this bed from the future activates its mechanical arm with two rollers which pulls the duvet up to the head of the bed. At the same time, the pillows are straightened by cords attached to the pillowcases after which the panels rotate elevating the pillows.
    Once the upper coverlet has been stretched to the head of the bed, the pillows fall back onto it. Best of all, the bed contains a safety feature that will prevent the mechanism from activating when the person is still in bed. A switch on the bed frame offers two settings: manual and automatic, the latter of which will detect will detect when the bed has no occupancy and activate after 3 seconds.
    So the question is..if you go to the bathroom or get yourself a glass of water, will the bed we made?) Well you will have to put it to the tes yourself when available for sale!
    PSFK is a Mashable publishing partner that reports on ideas and trends in creative business, design, gadgets, and technology. This article is reprinted with the publisher's permission.

    For any property search in Southern California, look here> for regular sales, short sales and foreclosure homes.

    Angélique Kenney | Realtor® for Professional AthletesCRSGRIe-ProSFRILHM memberSSR 

    +1.760.282.4663 (Last 4 Spells "HOME") | Email me | http://SDandOChomes.com

    Follow me online or just learn more"about me":

     *2011 PRUDENTIAL HONOR SOCIETY AWARD WINNER*

    International Properties | Luxury Estates Certified | Corporate, Athletes & Military Relocation Specialist  | Fluent in French | CA DRE#01846783, ID, HI
    Prudential California Realty 7030 Avenida Encinas | Suite 100 | Carlsbad, CA, 92011 | USA

    Friday, June 15, 2012

    TOP 10 (Ten) UT San Diego Reader's poll 2012!


    UT San Diego Reader's poll 2012



    Thx all of you that voted for me for the UT San Diego reader's poll, I made the cut in the top 10 out of 6,000+ agents in San Diego county!!! Votes resume June 17th to be THE best San Diego real estate agent!!

    Merci les amis pour avoir voté pour moi il y a quelques semaines pour le San Diego vote des meilleurs agents immobilier de San Diego, je suis dans le top 10 des meilleurs agent sur plus the 6,000+ agents dans tous le compte de San Diego!!! Merci!!

    Les votes commence le 17 juin pour etre LA meilleure de tout San Diego!!! :)



    Angélique Kenney | Realtor® for Professional AthletesCRSGRIe-ProSFRILHM memberSSR 

    +1.760.282.4663 (Last 4 Spells "HOME") | Email me | http://SDandOChomes.com

    Follow me online or just learn more"about me":

     *2011 PRUDENTIAL HONOR SOCIETY AWARD WINNER*

    International Properties | Luxury Estates Certified | Corporate, Athletes & Military Relocation Specialist  | Fluent in French | CA DRE#01846783, ID, HI
    Prudential California Realty 7030 Avenida Encinas | Suite 100 | Carlsbad, CA, 92011 | USA