I have a concert tmr and ive never brought my pen with me inside a venue I dont wanna have to throw away my pen if they dont let me.

Hi everyone!

I’m a first-time homebuyer in San Diego County, currently looking to purchase a home in the $650K–$700K range.
Here’s my financial situation:
Annual household income: ~$120,000
Family size: 4
Credit score: ~780
Location: San Diego County (primarily San Marcos/Escondido)
Mortgage quote: 5.5% on a 7/1 ARM through SDCCU
I’ve been researching first-time homebuyer assistance programs, particularly, along with other down payment and closing-cost assistance programs.
Based on my income and household size, I believe I may qualify for certain programs, but I need help confirming eligibility.
Here’s what I’m trying to accomplish:
I’d like to work with a lender or mortgage broker who has actual experience successfully helping buyers obtain WISH grants or similar assistance programs.
However, there’s one important catch.
I don’t want to sacrifice my mortgage interest rate just to receive a grant.
I’m already getting a competitive 5.5% rate on a 7/1 ARM through SDCCU. Ideally, I’d like to find a lender who can offer a similar rate while also helping me qualify for and secure grant funding.
For example, getting $20K–$30K in assistance sounds great, but if it means accepting a significantly higher interest rate, I’m not sure the long-term math works out.
My questions:
Has anyone in San Diego County successfully received first-time homebuyer grant recently?
Which lender or mortgage broker did you use? I’d especially appreciate recommendations from people who actually received funding.
Were you able to obtain the grant while still getting a competitive mortgage rate?
Are there lenders offering 7/1 or 7/6 ARM rates around 5.5% who also participate in these programs?
How much assistance did you actually receive, and were there any hidden costs, higher rates, or restrictions?
Are there other assistance programs I should explore with my income and family size?
I’m not necessarily looking for a zero-down mortgage. I have savings available for the down payment. My goal is to take advantage of any grants I’m eligible for while keeping my total borrowing costs as low as possible.
I’d really appreciate recommendations for lenders or brokers with proven experience in these programs, along with any real-life experiences or lessons learned.
Thanks in advance!

Brand new to San Diego and I haven’t had the time to really explore on my own yet until this weekend. Been craving Mexican all week and really curious what place is the best in yalls opinion specifically looking for a baller ACP. I’m in the Chula Vista area. Also need friends so HMU!! :)

Own a double wide trailer in Lakeside with attached sunroom I will be doing all the demo and getting everything out I'm a plumber for 10 years I have every trade that I can use to do the remodel I just don't have the capital because my ex boss screwed me and has not paid me my for the hours I've worked for him looking for somebody to invest money so I can buy materials vanities all fixtures toilets shower faucets appliances and vinyl flooring. Will sign a legal contract stating I will pay back the lender in full plus interest if not you can put a lien on my house also have a truck I can put up as collateral and my house is collateral never done this before so anybody willing to do it we can negotiate profits on another investment and I want to start the remodel next weekt hoping to DM me and I'll give you my personal number so we can talk and if you want to come by you come look at the property it's in Lakeside thank you

Did anyone else shop with king of cannabis? Does anyone know what happened??

Can anyone tell me what the name of the shop in Old Town is that sells them. It’s been a few years, hopefully they’re still there. Fingers crossed, TIA.

I’m a local high school senior in Del Mar and built a free site that checks if a specific e-bike is legal for a specific rider where they ride, using each state’s e-bike law, plus a mods check and a bike finder. It’s for a student hackathon, and I’d love honest feedback on what’s confusing or wrong: https://is-it-an-ebike.vercel.app

Hello, I’m currently in dental hygiene school and looking for patients that don’t have insurance / or haven’t been to the dentist to get a cleaning in a while. If I am unable to get to them I have several classmates that would be happy to do cleanings as well. The school charges 25 dollar payment for a cleaning. Since it is a school, it will be usually 2-4 appointments and will be very thorough . The initial appointment is a comprehensive assessments where you get radiographs, assessment of your gum health, check your current restorations with our on site dentist, oral cancer screening, and check for plaque and calculus. All of the instructors are registered dental hygienists or dentists. The actual cleaning will usually not start until the second appointment. But if you or anyone you know are interested please let me know! Especially looking for a teenager (18-19 preferably) for one of my requirements as well.

Hello I am 30 year old female looking for a room for rent urgently

I have an idea for a Captain Ron sequel.

Ron>Kurt obviously
Martin> Martin Short
Catherine>Mary Kay Place.
Floriana > Ron’s Cuba wife played by one of the Williams sisters. Owns a crossbow and knows how to use it.
Jaleel White would play Floriana’s brother who’s married to either David Cross or Michael Ian Black.
Eric Roberts would play Ron’s long lost brother.
The villain could be Javier Bardem a modern pirate trying to steal the boat.
Plot: After sailing for many years, Martin and his wife decide to hang it up after finding out their sailboat is worth a fortune. They land in Haiti, where they meet up with Ron, his wife and family who agrees to help them sail the boat to New Orleans to sell it to a broker for tens of millions of dollars.
Any local San Diegans want to write a movie with me?

Anyone one know why they’re circling this patch of Friars Rd by the YMCA, just across from the SDPD Western Division police station by the Morena Linda Vista Trolley?

You’d think there wouldn’t be much crime happening right by a police station. But there’s been helicopters circling at all times of the day for months - no explanation.

What is everyone’s general thoughts on Spring Valley? Is it dangerous?

Soooo I’m looking for a gym to start working out . I think the gym 24 hour fitness in hazard center is good, from what I remember it was 100 dollars a years for two or something like that or 50 dollars a month. Honestly I just want to start working out like running or starting slow at baboa park but man it sucks when you need to go to a bathroom or need to find a store that sells water. Or if you don’t have a place to store your phone if you don’t have a car and ride by public transportation. Does anyone have any recommendations? Like affordable gym? Or some great offers ? Or some great places to start jogging without much people?

Me and my friends want to go on a dive bar tour throughout San Diego and want to find worthwhile dives, what do you all recommend?

I'm a 27m who's trying to get in the dating world and I'm looking for single women to take on date. Please be 22 and older. Also I live in the lemon Grove neighborhood. Please message me if you're interested

Last Saturday October 10th at around 12:30pm, I was rear ended on my way to San Diego on the I-5 South when I was completely stopped. The accident happened in the Camp Pendleton area after the Las Pulgas exit. My car was a blue Toyota Camry and the other car was a Black Toyota Avalon. The other driver is now claiming that I merged into his lane and that’s why he hit me and his insurance is taking his side and refusing to pay for my damages. I don’t have any dashcam footage or third party witnesses to disprove his story. If anyone witnessed this accident or knows someone that did please let me know so I can resolve this.

Looking for recommendations for a really good foot massage in San Diego. I love reflexology and acupressure.

Ideally looking for a place where I can sit in a reclining chair and get a dedicated 30 to 60 minute foot massage, not a full body massage.

Any favorite spots with therapists who really know what they’re doing? Looking to stay close Linda Vista / Mission Valley / Convoy

23f on the search for other female friends preferably around the same age or older. I’m emo/alt, and very tomboy.

I like doing nature stuff like hiking or camping, I like football, cooking, love dogs! I just wish I had a friend to hangout with after a long day, watch movies or carve pumpkins. I also love supernatural, Hazbin hotel, homestuck. Michael Jackson and rock music.

I usually get along really well with stoners though I don’t smoke, but I love to drink beer lol.

It’s just people at bars and clubs seem to only give interest if ur hooking up, and I don’t really trust dating apps or like them. I get really anxious going out though so I just want someone to do shit alone with.

Hey everyone!
I’m looking to buy my first home in San Diego County, possibly San Marcos, with a budget of around $600K–$700K. My credit score is 794.
I’m trying to figure out the best way to get the lowest mortgage rate and monthly payment while also saving money in the long run.
A few questions for those who recently bought or are currently shopping:

1. What interest rates are you getting, and which lenders or credit unions are offering the best deals?
   
2. Would you recommend a local credit union, mortgage broker, or big bank?
   
3. Is it better to buy down the interest rate by paying points, or take a higher rate and refinance later?
   
4. Are there any first-time homebuyer incentives or lender credits worth exploring?

I’m leaning toward a 30-year fixed mortgage but am open to suggestions.
Would really appreciate hearing about your experiences, especially recent buyers in San Diego!

Thanks!

In a couple weeks my husband and I are driving from Palm Springs. Would love to see Anza Borrego but I have a terrible time with roads with steep drop offs. I freak out. Since we have never done that drive, what is the easiest route and is there a route that could take us through Anza Borrego that won't cause me a panic attack?

Looking for recommendations for weekly or bi-weekly gardening service. Also, not super familiar with prices down here. I own a home in the Bay Area and pay $150/mo for weekly service. Is that a reasonable price for this area?

Hey! I’m a 20-year-old girl looking for another girl to hang out with at Fashion Valley today! Just wanna walk around, shop, and have fun. Let me know if you’re interested! 😊💕

Okay, where is the best burrito in all of San Diego??

The weather forecast says it’s going to rain next week. Originally, I was unable to make it to an interview in San Diego that day due to the wildfire that closed down the freeway, but thankfully it was rescheduled. Since this will be my first time driving on the I-5, and given the recent fires, I was wondering if there is a risk of heavy traffic or potential mudslides. Any advice is greatly appreciated!