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OTAY MESA, Calif. (KGTV) - A housing development going up in the South Bay could be giving San Diego renters a better chance to become homeowners.That's because the attached homes that comprise the Playa del Sol master plan community in Otay Mesa start from the high 0,000s, which is just above the median price for the area. "This is an opportunity for the first-time home buyer," said Jimmy Ayala, division president for Pardee Homes, which is developing the community. The development, with some phases already complete, will ultimately grow to 800 units, all with two or more bedrooms. It's located just north of the 905 freeway at Caliente Road. RELATED: Making it in San Diego: Key saving steps helped renter buy her first homeAyala says the market has cooled in the last two years, and lower interest rates have helped turn renters into buyers. He says Pardee has its own mortgage company, so it is able to work with buyers who may not have a large amount of cash for a down payment. Ayala says typical monthly payments range between ,600 and ,200 a month, and most people put 5 to 10 percent down. "In this general vicinity, there's about 2,000 homes that are currently being rented and we draw from those folks who are cash flowing, so to speak, on a monthly basis but don't always have a down payment for a home," Ayala said. RELATED: Making It In San Diego: How housing got so expensiveAyala said currently there are two units available in the high 0,000s but that most are on the market 0,000s. The HOA fees for the complex run about 5 per month. Heather Evans, who is paying ,200 a month for her daughter to rent a room near Mesa College, said several of her relatives feel buying is out of reach. "I'd love to see her be a homeowner someday but I have nieces in the area, early 30s, that are renting," she said, adding her niece and her nieces husband pay ,000 a month for a one-bedroom apartment. Ayala said the homes are priced to market. The properties Pardee is selling in East County are available for 0,000 to 0,000, while those in Coastal North County are on the market for million to .5 million. Need more help? The San Diego Housing Coalition and San Diego County have resources to help first-time home buyers. 2272

Police arrested an 18-year-old man Saturday morning in the port area of Dover in connection with an attack a day earlier on a train at a London Underground station, London's Metropolitan Police said.It was a "significant arrest" as the investigation continues, Deputy Assistant Commissioner Neil Basu, the senior national coordinator for counterterrorism policing, said in a statement."This arrest will lead to more activity from our officers. For strong investigative reasons, we will not give any more details on the man we arrested at this stage," he said. 567

PENSACOLA, Fla. (AP) — The Saudi student who fatally shot three people at a U.S. naval base in Florida hosted a dinner party earlier in the week where he and three others watched videos of mass shootings, a U.S. official told The Associated Press on Saturday.One of the three students who attended the dinner party videotaped outside the building while the shooting was taking place at Naval Air Station Pensacola on Friday, said the U.S. official, who spoke on condition of anonymity after being briefed by federal authorities. Two other Saudi students watched from a car, the official said.The official said 10 Saudi students were being held on the base Saturday while several others were unaccounted for.U.S. officials had previously told the AP they were investigating possible links to terrorism.The student opened fire in a classroom at the base Friday morning, killing three people.A U.S. official who spoke to The Associated Press on condition of anonymity on Friday identified the shooter as Mohammed Saeed Alshamrani. The official wasn’t authorized to discuss the matter publicly. The official also said the FBI was examining social media posts and investigating whether he acted alone or was connected to any broader group.The assault, which prompted a massive law enforcement response and base lockdown, ended when a sheriff’s deputy killed the attacker. Eight people were hurt in the attack, including the deputy and a second deputy who was with him.Family members on Saturday identified one of the victims as a 23-year-old recent graduate of the U.S. Naval Academy who alerted first responders to where the shooter was even after he had been shot several times.“Joshua Kaleb Watson saved countless lives today with his own,” Adam Watson wrote on Facebook. “He died a hero and we are beyond proud but there is a hole in our hearts that can never be filled.”Florida U.S. Sen. Rick Scott issued a scathing statement calling the shooting — the second on a U.S. Naval base this week — an act of terrorism “whether this individual was motivated by radical Islam or was simply mentally unstable.”During a news conference Friday night, the FBI declined to release the shooter’s identity and wouldn’t comment on his possible motivations.“There are many reports circulating, but the FBI deals only in facts,” said Rachel L. Rojas, the FBI’s special agent in charge of the Jacksonville Field Office.Earlier Friday, two U.S. officials identified the student as a second lieutenant in the Saudi Air Force, and said authorities were investigating whether the attack was terrorism-related. They spoke on condition of anonymity to disclose information that had not yet been made public.President Donald Trump declined to say whether the shooting was terrorism-related. Trump tweeted his condolences to the families of the victims and noted that he had received a phone call from Saudi King Salman.He said the king told him that “this person in no way shape or form represents the feelings of the Saudi people.”The Saudi government offered condolences to the victims and their families and said it would provide “full support” to U.S. authorities.The U.S. has long had a robust training program for Saudis, providing assistance in the U.S. and in the kingdom. The shooting, however, shined a spotlight on the two countries’ sometimes rocky relationship.The kingdom is still trying to recover from the killing last year of Washington Post columnist Jamal Khashoggi at the Saudi Consulate in Istanbul. Saudi intelligence officials and a forensic doctor killed and dismembered Khashoggi on Oct. 2, 2018, just as his fiancée waited outside the diplomatic mission.One of the Navy’s most historic and storied bases, Naval Air Station Pensacola sprawls along the waterfront southwest of the city’s downtown and dominates the economy of the surrounding area.Part of the base resembles a college campus, with buildings where 60,000 members of the Navy, Marines, Air Force and Coast Guard train each year in multiple fields of aviation. A couple hundred students from countries outside the U.S. are also enrolled in training, said Base commander Capt. Tim Kinsella.All of the shooting took place in one classroom and the shooter used a handgun, authorities said. Weapons are not allowed on the base, which Kinsella said would remain closed until further notice.Adam Watson said his little brother was able to make it outside the classroom building to tell authorities where the shooter was after being shot “multiple” times. “Those details were invaluable,” he wrote on his Facebook page.Watson’s father, Benjamin Watson, was quoted by the Pensacola News Journal as saying that his son was a recent graduate of the U.S. Naval Academy who dreamed of becoming a Navy pilot. He said he had reported to Pensacola two weeks ago to begin flight training. “He died serving his country,” Benjamin Watson said.The shooting is the second at a U.S. naval base this week. A sailor whose submarine was docked at Pearl Harbor, Hawaii, opened fire on three civilian employees Wednesday, killing two before taking his own life. 5106

Pepsi is putting its spin on a popular holiday beverage.The soda making company is set to release a cocoa-flavored soda that features a hot chocolate-cola blend with hints of marshmallow after challenging fans on Twitter that they’d roll out “a batch” of the new flavor if the post received 2,021 retweets. 314

Plan to buy your first home in 2021? It’ll probably take months instead of weeks, and you might feel demoralized at times.That’s not negative thinking. It’s an acknowledgment that the road to homeownership has potholes. The journey can be bumpy, but the destination is worth it. When you know at the outset that you’re in for emotional highs and lows, it’s easier to shrug off those lows and keep on truckin’.Here’s why 2021 will be a rough year for first-time home buyers — and how to manage your emotions during the process.Why buying a home in 2021 will be toughThere aren’t enough homes for sale to meet demand. At the end of October, the most recent month with available data, 1.42 million existing homes were available for resale. At that month’s sales pace, it would take just 2.5 months to sell every home on the market — an all-time low, according to the National Association of Realtors. The supply of new homes for sale was enough for 3.3 months, tied with the previous month for a record low.Supply is low because buyers are pouncing whenever homes become available. Most existing homes sold in October — 7 in 10 — were on the market less than a month, according to the NAR.With a slender stock of homes selling fast, buyers have little power. “The control is in the seller’s hands because of supply and demand,” says Terri Robinson, a Realtor with Re/Max Select Properties in Ashburn, Virginia.Set realistic expectationsExpect months to elapse between the first step of checking your credit reports to the final step of closing on the home. “The first thing that I hope people understand is it’s not an overnight process,” says Marc J. Jenkins, a real estate agent with Prime Property Partners in Atlanta.Jenkins tells first-timer clients that it typically takes five to eight months to buy a home. Understanding that homebuying timeline “prepares them mentally, emotionally and financially to see this process through.” Would-be buyers are prone to burnout if they expect the process to take a month, he says.Everyone wants a bargain, but buyers need to recalibrate the meaning of that word so it applies to today’s competitive environment. “A bargain, if I were to redefine that, is the home that you want for the price that you’re willing to pay,” Robinson says.Know where you’ll compromiseMore than three-quarters of home buyers in their 20s and 30s made compromises, according to NAR’s 2020 Home Buyers and Sellers Generational Trends Report. The most common compromises had to do with the condition or price of the home.So before you start seriously looking at homes, decide what you need and what you won’t budge on. You may have a maximum price and commute time, a minimum size or other requirements. Those are your deal breakers. Write them down. Resist the temptation to compromise on deal breakers, even when you feel discouraged. For all else, keep an open mind.Make decisions fastIn today’s market, many homes are on the market for less than a month, so it’s important to make an offer quickly once you find one you like. Let your list of deal breakers be your guide. If a home meets your criteria, including an acceptable price, it may be worth making an offer. Again, quickly, because many sellers field multiple offers within a day or two of listing the home and planting a “for sale” sign in the yard.“Even as a first-time home buyer, they may have to make a quick decision whether or not to buy a home,” Robinson says. To have the offer taken seriously, have a preapproval letter from a lender and make a competitive offer, she adds.Don’t take rejection personallyWhen first-time buyers make offers, “they’re going to get rejected many times,” says Laura Moreno, host of the “First Time Home Buyer Podcast” and founder of a tech startup called HomeFlow that offers an all-in-one homebuying platform.As rejected offers pile up, they take it personally or feel worthless, Moreno says. “What I tell them is just breathe. It’s not a judgment against you.”You might get lucky and have your first offer accepted. But don’t count on it. Realize that for the seller, this is a business decision.Wait before you celebrateYour offer was accepted? Great! Just remember that the home inspection and lender’s appraisal are coming next, and either of them can knock the deal awry. The more excited you get about the seller giving your offer a thumbs-up, the more disappointed you’ll be if you have to give the deal a thumbs-down after the inspection or appraisal.Think about the seller’s needsYou’re focused on your own needs and problems. That’s understandable, but there’s a benefit to thinking about the seller’s needs, too.Jenkins advises making the offer attractive to the seller. That might mean keeping the inspection period short: maybe just three to five days, so the seller can put the home back on the market promptly if you’re dissatisfied with the inspection and decide to move on.Having a preapproval letter from a reputable mortgage lender, paying all of your own closing costs and paying some or all of your agent’s commission are other ways to meet the seller’s needs.Have a backup plan: Don’t buy yetAs fervently as you want to buy a house in 2021, your best option might be to wait until fortune favors you. By putting homebuying on hold for a few months, you give yourself time to save for a bigger down payment and build your credit, and for your local housing market to become less competitive.More From NerdWalletHow first-home shoppers can keep a cool head in a hot market4 market headwinds facing first-time home buyersThe credit score needed to buy a houseHolden Lewis writes for NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5691

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