If I were you I will be looking for a reputable lender in Fresno. Why look for lenders out of town when you have plenty of good lenders in Fresno. I work with Greatland Mortgage Corp here in Fresno. We have been around over 30 years. Why don't you call me and we can go over the specific options that you may want to face.
I can be reached at (559) 977-7238 cell or (559) 244-4250 office.
Just an FYI
Any of these lien holders can put the whole deal down the drain.
One thing to be extra careful of.
If any lenders ask for monies outside of escrow.
1. dont do it.
2. report them
If you are asking for odds on closing a deal such as this,...
I would say on average closing a short sale,...
Your odds are 70% with one lien holder, 45% with two lien holders, and 20% with 3 lien holders.
Enjoy your purchase.
Harold Sharpe - Broker
So Cal Homes Realty
California Department of Real Estate License # 01312992
As for time frame, if you really want this house, six months from never might be a good idea. Then you won't be disappointed. Seeing as all experts think we are now entering a rising rate environment, you should also be prepared that once they have all come to agreement, you may not qualify if you are thinking of financing.
If all depends on your offer and the outstanding debt.
First Weber GRoup
Certified Distressed Property Expert
Feel free to make an offer put don't get your hopes up to high... with 3 loans there is a lot of negotiation and many variables that need to come together "just right" for the deal to close. However, if you are patient, GREAT deals are possible when purchased via short sale.
Realtor and Certified Short Sale Specialist
Not a fan of lending tree as I had a client who had a bad experience with them.
If I may suggest, might want to reach out to Fred Glick as he does mortgages in various states. Also owns real estate companies in PA and CA.
Here is his website for mortgage info here http://usloans.com/
I do not have ANY stake in USLoans and am not trying to generate leads. Just sharing info on people I know and who are knowledgeable.
Best of luck