San Diego First-time Home Buyers

Written by Helen Glenn Court
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One wonderful resource that all San Diego first-time home buyers should know about is the San Diego Housing Commission. An award-winning public agency dedicated to helping people who otherwise couldn't afford them find homes in the high-priced city of San Diego, it also helps San Diego first-time home buyers. You qualify if you fall within its income bracket guidelines. It's understood that your credit standing will also need to be strong.

Among the tools it offers San Diego first-time home buyers are deferred second mortgages, down payment and closing cost assistance, mortgage credit certificates, and several special programs. To get started, you need to sign up for the commission's free workshops and one-on-one counseling. These are offered in both English and Spanish. All of the commission's programs are offered only for properties within San Diego's corporate limits.

San Diego First-Time Home Buyers: Narrowing the Search

The easiest way to narrow your search of properties in the San Diego area might be to consider the type of community--urban, desert, coastal, or mountain. Another way is to look by rough geographical area--northern, northeastern, eastern, central, southeastern, and southern. The most well-known are doubtless San Diego's more northern neighborhoods. These include, for example, Mission Bay, Pacific Beach, Torrey Pines, Sorrento Valley, Ocean Beach, Sunset Cliffs, Balboa Park, Little Italy, and Old Town.

San Diego North's beaches include Encinitas with its botanical gardens and the well-known La Jolla (Spanish for jewel). Imperial Beach is the heart of San Diego's south county and both less crowded and more affordable than the northern beaches. To the southeast of central San Diego, the city of Chula Vista is a booming area for real estate, about 50 percent white and 50 percent Hispanic, with marinas, golf courses, and miles and miles of hiking and biking and equestrian trials.

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