Foreclosure in Santa Cruz : Advice

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Patti Lyles, Real Estate Pro in Santa Cruz, CA
Reach out to those that have or will be doing a Short Sale because we are One Step closer to getting the Mortgage debt relief retroactive extension. The Senate Finance Committee has passed a two-year retroactive… Read more
Blogged Fri Apr 4, 2014 by Patti Lyles Home Selling Agent2Agent Foreclosure
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Kristina McC…, Real Estate Pro in Walnut Creek, CA
In my opinion...no. Short sales and foreclosures is something a lot of home buyers seems to want to home in on: someone's in trouble and someone's going to gain, right? Maybe at the outset of the 'housing… Read more
Blogged Thu Aug 15, 2013 by Kristina McCann Home Buying Foreclosure Investment Properties
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Brandi Jones, Real Estate Pro in 95010
When the housing market crashed in 2008, millions of homeowners suddenly found themselves in danger of losing their homes to foreclosure. To help these homeowners, in 2009 the U.S. Treasury launched the… Read more
Blogged Mon Feb 4, 2013 by Brandi Jones Market Conditions Home Selling Foreclosure
Mike Linkena…, Real Estate Pro in Jacksonville, FL
Santa Cruz County Short Sale SpecialistWhat is a real estate short sale in Santa Cruz County?A quick sale in real estate, also commonly called a short sale, happens when a lender is willing to accept… Read more
Blogged Thu Jan 31, 2013 by Mike Linkenauger Foreclosure
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Seb Frey, Home Buyer in Capitola, CA
Seb Frey answered:
I believed that the HOA lien ran with the property in CA not a personal lien against the owner. In a case of a failed short sale that led to foreclos
It depends on the CC&Rs, but most HOAs in California don't have language in the CC&Rs which create a "superlien" for unpaid HOAs that survives the foreclosure, in which case, the unpaid ... more
0 votes Share Flag Tue Aug 7, 2012 Foreclosure in Santa Cruz
Ellen Carter,…, Real Estate Pro in Santa Cruz, CA
Ellen Carter, Broker/REALTOR answered:
I moved in 2 mths ago & rec'd a notc of sale, landlord says he's modifying loan, hasnt paid mrtg in 6 mo. told me nothng whn i moved.do?
Actually with all due respect to the folks that have answered you - in their answers where they state "you are responsible for continuing ot pay the landlord" might not actually be the ... more
0 votes Share Flag Thu Apr 26, 2012 Foreclosure in 95062
Sandy Wallace, Real Estate Pro in 95062
Short sales can be a very good value, if you know what you are doing. Search here for short sales Here are some of the things you want to do and some things you should avoid. 1) Hire an agent to do the… Read more
Blogged Sat Feb 11, 2012 by Sandy Wallace Home Buying Home Selling Foreclosure
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
http://www.SantaCruzCountyShortSales.comAs you may have noticed, many short sale articles rehash very basic “this is a short sale package” information.  While that is still needed, I think… Read more
Blogged Thu Jul 7, 2011 by Patti Lyles Home Buying Home Selling Foreclosure
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
FLAGSTAR Bank Approved my Short Sale PROOF I closed another Short Sale in Santa Cruz, CA  California Think foreclosure is your only option. . . think again! I negotiated the Short… Read more
Blogged Thu Jul 7, 2011 by Patti Lyles Home Buying Home Selling Foreclosure
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
http://www.SantaCruzCountyShortSales.comHAFA short sales have completely different qualifying factors than a traditional short sale.  Here is a summary of the main differences between a  HAFA short… Read more
Blogged Fri May 13, 2011 by Patti Lyles Home Buying Home Selling Foreclosure
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
http://www.SantaCruzCountyShortSales.comHAFA sounds like half the—yet a HAFA short sale is hardly ever half the time to complete as compared to a traditional short sale. You may wonder about the… Read more
Blogged Fri May 13, 2011 by Patti Lyles Home Buying Home Selling Foreclosure
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
It already sucks that you suffered a foreclosure which is more discouraging to one’s credit rating than seeing the bottom of an empty margarita glass on Cinco de Mayo. And landlords and property… Read more
Blogged Fri May 6, 2011 by Patti Lyles Agent2Agent Foreclosure Rentals
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
http://www.SantaCruzCountyShortSales.comAlways get legal and tax advice!!! If you own an underwater home, should you continue to pay on your second mortgage? Lots of people stop paying, and they don't… Read more
Blogged Sat Mar 26, 2011 by Patti Lyles Home Selling Foreclosure
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
NO Foreclosure MYTHStopping payment on your mortgage only hurts your situation and can expose you to foreclosure and credit difficulties that could require years to rebuild. http://www.SantaCruzC… Read more
Blogged Wed Mar 23, 2011 by Patti Lyles Home Buying Home Selling Foreclosure
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M.C. Dwyer, Real Estate Pro in Boulder Creek, CA
Here in the San Lorenzo Valley, we have some short sales and foreclosures that are deliberately priced low.    Sometimes the price is even under market value.  Why?  The sellers… Read more
Blogged Thu Feb 10, 2011 by M.C. Dwyer Home Buying Foreclosure Property Q&A
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
Post-Foreclosure Protection for Tenants: Commencing January 1, 2011, a notice to terminate a residential tenant who remains after a foreclosure sale must generally include a statutory notice of the tenant's… Read more
Blogged Thu Dec 9, 2010 by Patti Lyles Foreclosure How To... Rental Basics
Patti Lyles, Real Estate Pro in Santa Cruz, CA
 If you are buying a Short Sale in the Santa Cruz County you need caculate the closing cost and budget them into your deal. It is said that coming up with the cash is the most daunting challenge to… Read more
Blogged Mon Dec 6, 2010 by Patti Lyles Home Buying Foreclosure
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
No Short Sale Deficiencies: Starting January 1, 2011, a seller's first trust deed lender cannot obtain a deficiency judgment against the seller after a short sale.  Providing written consent to a short… Read more
Blogged Mon Dec 6, 2010 by Patti Lyles Home Selling Foreclosure
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
You certainly can! The FCRA (Fair Credit Reporting Act) requires certain steps to be made by creditors before reporting an item on a credit report, and if a creditor misses one or more of these steps (which… Read more
Blogged Mon Dec 6, 2010 by Patti Lyles Home Selling Foreclosure Credit Score
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Patti Lyles, Real Estate Pro in Santa Cruz, CA
  Re-blogged by 0 agents Buyers are often frustrated and cannot understand the bank's logic or reasoning behind their response to their offer. I want to start out by helping you approach the world… Read more
Blogged Mon Dec 6, 2010 by Patti Lyles Home Buying Foreclosure Property Q&A
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