Foreclosure in Mountain House : Advice

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Minna Reid, Real Estate Pro in 06107
Minna Reid answered:
Pending 2010 foreclosure
No one is giving you a new loan if you're old home is in foreclosure, even if the debt has been discharged. You will be able to get a new loan 3 years after your home forecloses.
In o ... more
0 votes Share Flag Mon Mar 26, 2012 Foreclosure in Mountain House
Rocky G H Ha…, Real Estate Pro in Tracy, CA
Rocky G H Hawrysz answered:
Is there a way to get to the mortgage company/department to solicit information on what inventory they have to sell? We have cash and want to purchase
Hi Lori,

We regularly track Notice of Defaults and Foreclosures for clients. However, the timing most times doesn't work with a buyers objectives. Some foreclosures take much l ... more
0 votes Share Flag Wed Sep 21, 2011 Foreclosure in Mountain House
Mark Atteber…, Real Estate Pro in Louisville, KY
Mark Atteberry answered:
Can I still postpone a forecloser sale date the day of the sale? I have a offer and it has been turned in to the bank.(BofA).
You can postpone the sale up to the second before the gavel falls. The bank has to be convinced that the deal is going to go through because it costs the bank each time they schedule a ... more
0 votes Share Flag Wed Mar 28, 2012 Foreclosure in Mountain House
Bob Movin-On, Real Estate Pro in Hartford, CT
Bob Movin-On answered:
Tough decision for moving before or after trustee sale date
Why before it is your house no one has a right to enter until title transfers which is days even weeks after the trustee sale.
Go for cash for keys that way you have a date and if you ... more
0 votes Share Flag Mon Oct 25, 2010 Foreclosure in Mountain House
Ken Vasan, Real Estate Pro in Fremont, CA
Ken Vasan answered:
I received a notice of trustee sale date of October 28, 2010. My property is located in San Joaquin County in California.
Is your property currently listed?

Did you make any attempt to sell the property short?

Did you utilize all your options to get a loan modification ?

I know I am not directly a ... more
0 votes Share Flag Mon Oct 25, 2010 Foreclosure in Mountain House
Connie Wilda…, Real Estate Pro in Long Beach, CA
Connie Wildasinn answered:
I have a rental property listed for shortsale. I immediately received an offer and therefore the bank delayed/held back the foreclosure process.
You need to speak to a good RE attorney (don't spend $$$ get a good consult to your situation) and Financial Advisor (your CPA perhaps), and figure out which lien is really in the ... more
0 votes Share Flag Thu Jan 28, 2010 Foreclosure in Mountain House
Cindi Hagley, Real Estate Pro in San Ramon, CA
Cindi Hagley answered:
i would like to find out about mountain house ca bank owned house and i want know which bank do i have to go
I sell a lot of homes in Mountain House and I am happy to help you. You can be approved by any lender...in fact, Linda Grassi, a mportgage broker that I use for my personal investments ... more
0 votes Share Flag Sun Feb 6, 2011 Foreclosure in Mountain House
Diane Wheatl…, Real Estate Pro in Rancho Cucamonga, CA
Diane Wheatley, Broker answered:
2nd mortage recourse according to lender, but is held against actually property only.
Then it is not a recourse loan. If it was used as purchase money at the time of settlement, it is not a recourse loan. The loan is secured by the property only and if there is not eno ... more
0 votes Share Flag Tue Apr 28, 2009 Foreclosure in Mountain House
Heidi Golff, Real Estate Pro in Ventura County, CA
Heidi Golff answered:
In a short sale, why would the seller agent ask for offers above the asking price even before appraisal?
The appraisal isn't done until the house is in escrow. The lender orders the appraisal, not the buyer, seller, or realtors. Find a realtor to represent you so you are not going through ... more
0 votes Share Flag Wed Apr 1, 2009 Foreclosure in Mountain House
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Hello,Can someone adivse on what page of the Deed of Trust (2nd Heloc for purchase money) that I can find
Hi Kasy, sorry to hear of your situation. It does sound like your 2nd is non-recourse. You need to be looking at your Promissory Note, not the Deed of Trust. It may or may not specifica ... more
0 votes Share Flag Mon Jan 12, 2009 Foreclosure in Mountain House
Blaison Samu…, Real Estate Pro in Fremont, CA
Blaison Samuel answered:
Thank you all for answering my previous questions. The 1st and 2nd was indeed taken out to purchase the
Dear Kasy,
I'm sorry to hear about your foreclosed homes. You are right that if both of your loan was used to purchase your home then they cannot come after for remaining balance. Th ... more
0 votes Share Flag Tue Nov 18, 2008 Foreclosure in Mountain House
Voices Member,  in
Voices Member answered:
Thank you very much for answering my previous questions. However, I am still unclear on why filing
Kasy,

You're asking some complex questions with A LOT of ramifications.

All loans for property involve two things: a promissory note and a deed of trust. The 2nd from Countrywide ... more
0 votes Share Flag Sat Nov 15, 2008 Foreclosure in Mountain House
Eric H Wong, Real Estate Pro in 94704
Eric H Wong answered:
My house in CA got foreclosed on 7/29/08. When we first purchase the home, we received two loans from?
We were talking about this very subject in our office meeting this week. 2nd mortgages on foreclosed homes, especially Countrywide, instead of just going away with the foreclosure of th ... more
0 votes Share Flag Fri Nov 14, 2008 Foreclosure in Mountain House
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
A public auction occurred on my property on July 29th. Does this mean the property is already bank own. If
yes, at the auction if there were no bidders that met the banks reserve the bank will then buy your property at auction. They take ownership at that time. If you are still in the proper ... more
0 votes Share Flag Sun Aug 17, 2008 Foreclosure in Mountain House, CA
Homa Moaddel, Real Estate Pro in Ladera Ranch, CA
Homa Moaddel answered:
Is it true in California, the law states that lenders can't have a judgement deficiency against you if the?
Hi Ksdy,

Because in CA we rarely have judicial sale(we sell and buy homes as trustee's sale) no deficiency judgments are allowed for mortgages. This may not be true for FHA or VA lo ... more
0 votes Share Flag Sun Aug 3, 2008 Foreclosure in Mountain House, CA
Christina On…, Real Estate Pro in Tracy, CA
Christina Oneal answered:
I just recently purchased a home in Mountain House,CA at market corrected price ( sept 07), but want sell now!
Did you buy the one on Amor St? That is the only one on our mls that was sold in September 07. Here are some statistics you need to know that are important for you now that you are th ... more
0 votes Share Flag Sun Mar 30, 2008 Foreclosure in Mountain House, CA
Cindi Hagley, Real Estate Pro in San Ramon, CA
Cindi Hagley answered:
The housing market has cooled considerably in Mountain House-Tracy, Ca. 95391. Prices for resales are
I think it's critical to find a Realtor to represent you. There are a lot of foreclosures, short sales, and REO's on the market in Tracy, all adding to the inventory and giving buyers t ... more
0 votes Share Flag Sun May 4, 2008 Foreclosure in 95391
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