Time to relocate :/ Fisherman's perspective on Real Estate - Kayak Fishing Adventures on Big Water’s Edge

Irishman · 08-04-2015, 08:12 PM

I live in La Mesa, it's 20 mins to LJ, centrally located to freeways etc. I'm kicking myself for not shopping Claremont (east la jolla). We've been here 15 year and a nice enough neighborhood. I commute to La Costa every day so it's a lot of driving. Factor your commute and family plans first, your not fishing every day. School districts are of utmost importance in your decision. Also buy to the max of your budget, we don't have a garage but do have a huge backyard, I'd take a two car garage over a huge yard, especially with water bills etc. Also factor in your handy man experience, small projects do add up on time and $$$. Could go on for hours on this subject, but I'd look at Claremont south of 52 and west of 805. Good luck!!!

Cadillyak · 08-04-2015, 09:51 PM

I bought my house a year and a half ago. Love the area. Super quiet and tucked away, yet I can walk to Qualcomm. I live in Sierra Mesa off of mission village road. 15-20 min tops to LJ, mission bay, or SD bay.

Goose1993 · 08-05-2015, 12:46 PM

Clairemont is nice. Family neighborhoods and 10 minutes from la Jolla.

DanaPT · 08-06-2015, 07:34 AM

Over the long-term... I really like the idea of owning the home you live in. Renting is okay, but hard to beat real estate as in investment... From tax benefits (mortgage int. and prop tax deductions) to the fact that it's one of the few asset classes indexed for inflation.

What I don't like right now are prices. BUT we are moving from a "seller market" to a more neutral market in the bigger picture. In the near term we are moving into the typical RE slow season over the next few months. we may see more listed homes, fewer buyers, and maybe even a better deal on something. I'd expect this to accelerate a bit when mortgage rates rise.

Buy the most you can afford BUT keep your monthly payment (PITIA) near market rent in the area you buy. Plan to stay put for at least 7 years while gainfully employed and it should work out fine.

Good luck on your search. I'm a mortgage broker and would be happy to help anyway I can.

08-04-2015, 09:51 PM	#2
Cadillyak Team Get $$ Join Date: Feb 2013 Location: San Diego, CA Posts: 841	I bought my house a year and a half ago. Love the area. Super quiet and tucked away, yet I can walk to Qualcomm. I live in Sierra Mesa off of mission village road. 15-20 min tops to LJ, mission bay, or SD bay. __________________ The "Y" is silent 2012 Olive PA 12 2011 Papaya Outback

08-04-2015, 08:12 PM	#1
Irishman Senior Member Join Date: Feb 2013 Posts: 306	I live in La Mesa, it's 20 mins to LJ, centrally located to freeways etc. I'm kicking myself for not shopping Claremont (east la jolla). We've been here 15 year and a nice enough neighborhood. I commute to La Costa every day so it's a lot of driving. Factor your commute and family plans first, your not fishing every day. School districts are of utmost importance in your decision. Also buy to the max of your budget, we don't have a garage but do have a huge backyard, I'd take a two car garage over a huge yard, especially with water bills etc. Also factor in your handy man experience, small projects do add up on time and $$$. Could go on for hours on this subject, but I'd look at Claremont south of 52 and west of 805. Good luck!!!

08-05-2015, 12:46 PM	#3
Goose1993 Senior Member Join Date: Mar 2015 Location: San Diego Posts: 115	Clairemont is nice. Family neighborhoods and 10 minutes from la Jolla.

08-06-2015, 07:34 AM	#4
DanaPT Senior Member Join Date: Sep 2010 Location: South OC Posts: 1,606	Over the long-term... I really like the idea of owning the home you live in. Renting is okay, but hard to beat real estate as in investment... From tax benefits (mortgage int. and prop tax deductions) to the fact that it's one of the few asset classes indexed for inflation. What I don't like right now are prices. BUT we are moving from a "seller market" to a more neutral market in the bigger picture. In the near term we are moving into the typical RE slow season over the next few months. we may see more listed homes, fewer buyers, and maybe even a better deal on something. I'd expect this to accelerate a bit when mortgage rates rise. Buy the most you can afford BUT keep your monthly payment (PITIA) near market rent in the area you buy. Plan to stay put for at least 7 years while gainfully employed and it should work out fine. Good luck on your search. I'm a mortgage broker and would be happy to help anyway I can.