95209 : Advice

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Josh Barnett, Real Estate Pro in Oklahoma City, OK
Josh Barnett answered:
What does it mean when the status of your USDA file is on Conditional Commitment?
Discuss with your loan officer, if they are not providing answers, find a new loan officer.
0 votes Share Flag Sun Oct 26, 2014 Home Buying in 95209
catfish.ente…, Other/Just Looking in 95209
catfish.enterprises asked:
financing raw land to place a mobile home on
0 votes Share Flag Sun Jan 26, 2014 Financing in 95209
Omar Khamisa, Real Estate Pro in Stockton, CA
Omar Khamisa answered:
Is it right that buyer is required to pay for city enforcement violation for a short sale house in Stockton CA? What does code# 2460 mean?
Hi bacbinh

every case is different ,you are purchasing a house from seller which he owe more than what his house worth, yes normal scenario seller is responsible . have you talk to y ... more
0 votes Share Flag Wed Sep 25, 2013 Home Buying in 95209
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Weve been waiting 4 our preaproval letter for about 3 days our lender says its in review by hud? Does it take this long to get this letter?
Next time get a lender who can sign off on it without sending to HUd like myself.
0 votes Share Flag Sat Jun 15, 2013 Home Buying in 95209
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
USDA just approved my loan file and now is going back to underwriter for final review. What potential issues can happen at this point?
All loans go back to the underwriter for final review, it is just standard procedure. There are tons of things that could have been left undone. Hopefully your loan officer has everyth ... more
0 votes Share Flag Sat Jun 15, 2013 Home Buying in 95209
Twilight Spa…, Other/Just Looking in Stockton, CA
Twilight Sparkle answered:
How is rental market in Stockton, CA as of today 4/3013? I'm wondering if forclosers & short sales are increasing that drive the rental market down.
My impression is that the continuing low prices (they've come up some but not much) as well as foreclosures have made the rental market more expensive than it needs to be. Homes that y ... more
0 votes Share Flag Wed May 1, 2013 Rentals in 95209
Vinu Kumar, Real Estate Pro in Pasadena, CA
Vinu Kumar answered:
With a notice of trustee sale, if I file for chapter 7 how long will it hold up the sale? how does the process works?
This is not legal advice. Please consult with an attorney for you take any steps towards making a concrete decision.

There are two types of bankruptcy filings and I'm going to try t ... more
1 vote Share Flag Tue Mar 5, 2013 Foreclosure in 95209
Mike Mahesh, Real Estate Pro in Covina, CA
Mike Mahesh answered:
How is housing market in Stockton now (Feb 2013)? Is it improving compared to last year? Is it a good time to invest in Stockton? Thanks
I have a family listing in Stockton.
3 bdrm 1 bath in very good condition. ($105,900***FHA fine)
Home is sold FURNISHED and all furnishings are in excellent condition
All bedroom set ... more
0 votes Share Flag Wed Feb 20, 2013 Home Buying in 95209
Janet Ramirez, Real Estate Pro in Stockton, CA
Janet Ramirez answered:
I am renting a house, and was recently told that the owner was letting the house go. What happens now?
You can purchase a home and not put up with landlord. Contact me for all the different loan options. No matter ur situation I'm sure I can think of a loan to fit ur needs!
Meanwh ... more
0 votes Share Flag Tue Oct 30, 2012 Foreclosure in 95209
Brian Head, Real Estate Pro in Orange County, CA
Brian Head answered:
Hello, I just received a notice of trustee sale on my door. The notice says that i am in default under a deed of trust dated 1/16/2004. It states
Since you filed Bankruptcy 7 years ago you can file again in the event that the lender won’t negotiate with you. But filing for Bankruptcy is only putting a band-aid on a broken ... more
0 votes Share Flag Tue Mar 20, 2012 Foreclosure in 95209
Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
Please advise how I can go after the handyman who took the money and didn't finish their jobs. Took dish washer away. Thanks.
Bill,
You've been robbed, call the police. They have the means of locating him via the license plate. File a report and hope they catch him.
0 votes Share Flag Wed Dec 28, 2011 How To... in 95209
Kenny Tan, Real Estate Pro in Diamond Bar, CA
Kenny Tan answered:
I wish to record a "Short Form Deed of trust and Assignment of Rents". I do not want to open escrow for this. So will the
In California, the beneficiary always has the right to substitute a new trustee just before a foreclosure. It really doesn't what names appear on the form. You can do this without ... more
1 vote Share Flag Tue Dec 28, 2010 Home Buying in 95209
Joanna Jensen, Real Estate Pro in 94566
Joanna Jensen answered:
Does who owns my mortgage "Produce the note" movement. work in california . went through three Refinancing in tree years that forced me
Hi Maria,


what exactly do you want to know by asking to find out who owns your note??

I think this has been spread around as a way of stopping foreclosure and I would be very ca ... more
1 vote Share Flag Sat Aug 14, 2010 Foreclosure in 95209
Randy Elliott, Real Estate Pro in Lodi, CA
Randy Elliott answered:
I have a notice of trustee sale. The sale amount is $237,499 and there are 2 loans on this property. The first is in the amount of $188,00 and the
Great answer Ute! I gave you a 'Thumbs up'!

The best thing to remember Me68848 from what Ute said is that you should definitely seek advice from the professionals such as ... more
1 vote Share Flag Tue Mar 23, 2010 Foreclosure in 95209
Bob Movin-On, Real Estate Pro in Hartford, CT
Bob Movin-On answered:
Notice of trustee Sale in the amount of $237,499. First mortgage loan $188,000 and second home equity $106,000. The home has multiple violations and
The potential bidders will get to view the site a few hours before the auction and you do not need to let them in if you still occupy the home. Most trustee sales result in the bank ta ... more
0 votes Share Flag Tue Mar 23, 2010 Foreclosure in 95209
George Kinin…, Real Estate Pro in Stockton, CA
George Kininmonth answered:
Hi is there any format to give an offer for a home? As he house is for sale by owner, i want to prepare this
Feroz,

You should be represented by an agent. Would you operate on yourself too? You should contact a local agent or broker professional to assist you.

George
0 votes Share Flag Mon Jul 20, 2009 Home Buying in 95209
Grace Morioka…, Real Estate Pro in Sunnyvale, CA
Grace Morioka (408-426-1616) answered:
What is the diffrence with walking away and foreclosure if there are any? What exactly is foreclosure? What?
Thumbs up to you, Hannah, your posts always provide very illuminating information. Perhaps a blog with more information specifically about the process of credit repair would be highly ... more
0 votes Share Flag Sat Jul 4, 2009 Foreclosure in 95209
Hannah Flieg…, Real Estate Pro in Larkspur, CA
Hannah Fliegel answered:
NEED SERIOUS ADVICE!!! Loan mod has just been approved after paying a lawyer yet they were not able to lower
Hi Christina,

There are a few cases where the lender will lower principle. If you qualify for the FHA programs, or if in the originial loan docs there were violations and your attor ... more
0 votes Share Flag Sat Jul 4, 2009 Financing in 95209
Shel-lee Dav…, Real Estate Pro in 90274
Shel-lee Davis - BRE #01817412 answered:
notice of trustee sale
Emily:

If you are already working with an attorney on a loan modification, you need to get this document to the attorney right away. My experience is, the various departments of the ... more
1 vote Share Flag Fri Sep 12, 2008 Foreclosure in 95209
Al Espinor J…, Real Estate Pro in Stockton, CA
Al Espinor Jr., GRI, CDPE answered:
Should i get a home inspection?
Hello Mike,

100% Yes, Get the home inspection do not allow the fact that the home being a newer home is free from defects or problems that you can not detect. Especially with Central ... more
0 votes Share Flag Mon Aug 11, 2008 Home Buying in 95209
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