California mortgage answers · Relocating

Relocating to Southwest Riverside County: the commute, the town choice and what the house really costs

The relocation questions come from San Diego, Orange County and Los Angeles households deciding whether the house they can afford in Murrieta or Temecula is worth the drive. The posts are about the commute, the town, the schools and the payment, in that order, and the financing question hides inside the last one: two towns that price alike can carry different tax and assessment lines, and a bigger house on a longer commute changes what the monthly number has to cover.

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3 answers of 82 on the desk

What this topic is really about

The answers here take the relocation as a whole decision. The commute cost is a real monthly line. The town choice is a property decision that the local partner works. The payment on the specific tract, with its taxes, insurance and any special assessment, is run here, with the county loan limit that applies on either side of the line.

Every local number carries its source and its date. When the honest answer is that the drive eats the savings, that is the answer you get.

On your file

What changes this answer on your file

The specific tract, since Mello-Roos and HOA vary inside a town, not between towns.
The commute route and schedule, which set the monthly cost that sits beside the mortgage.
Whether a home is being sold behind the move, which decides the order of the two closings.
The loan amount against the Riverside County limit, which changes the program.
The insurance quote on the specific address.

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Who answers

Nick Nagy

23 years in California lending · NMLS 314880 · CA DRE 01444600 · Loan Factory, Inc.

Dual licensed, so the loan side and the real estate side of a move are looked at as one problem instead of two. Most of what goes wrong in a move is a timing problem wearing a financing costume, and it is cheaper to catch it before you write an offer than after.

Financing is placed through Loan Factory, Inc. Real estate work is under CA DRE 01444600. More about Nick.

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The desk behind the file

One file, 237 lenders competing for it, and a broker who has done this for 23 years.

Loan Factory, Inc. is the brokerage. These are its published figures.

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A retail bank has one guideline book. When your file does not fit it, the answer is no and the reason is rarely explained. A broker shops the same file across the shelf and finds the lender whose box it already fits.

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Straight answers

Questions people here actually ask

The three most asked, in one sentence each. The full answers are on their own pages above.

We currently live in Eastlake Chula Vista, but have 4 kids and the home prices are so much lower in Temecula. Only drawback is the commute,

Moving to Murrieta from San Diego, Orange County or LA trades a lower price and a bigger house for a longer commute, and reported commute times on the same corridor range widely depending on the route and departure time, not the town alone. The full answer, with the local number and its source, is on its own page: https://go.homeaccesslist.com/answers/murrieta/relocate-from-san-diego

Murrieta is almost just as expensive as Temecula. The market will not cool off anytime soon. It is best to buy sooner rather than later.

Murrieta and Temecula price close enough that the sale price rarely settles the question on its own. The full answer, with the local number and its source, is on its own page: https://go.homeaccesslist.com/answers/temecula/temecula-or-murrieta

Commute was 1:15 each way with no traffic. Had health issues afterwards. Even with fast track and being the first exit In Temecula, it was very

Temecula to San Diego commuters report times from under an hour to over ninety minutes each way, depending on the route, the hour and whether tolls are used. The full answer, with the local number and its source, is on its own page: https://go.homeaccesslist.com/answers/temecula/san-diego-commute-cost

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What happens after you send it

You tell us the situation. Which end of the market you are in and what you are trying to do. It takes about a minute, and there is no credit pull to start.
We shop the file. One file goes across 237 lenders at Loan Factory, against the programs that actually apply at your price point rather than the one book a single bank keeps.
You get a real number. Written down, with what it rests on, so you can check it yourself. You keep it either way, and when the honest answer is that waiting is the better move, that is the answer you get.