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Home Buying in 91362 : Real Estate Advice

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  • Home Buying22
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Activity 19
Thu Dec 22, 2016
Rich Reed answered:
Hi Jessica, you should consult with a real estate attorney, or maybe a family law attorney, before you decide.
It seems to me that if you're on title you are a co-owner and should be on the purchase agreement. If you're on the purchase agreement your half of the down payment would not need to be a gift. Loans are sometimes made in the name of only one of the owners, but you are correct in being concerned about who is on title. California, being a community property state, has some protections, but if you don't carefully read and understand everything you are signing you may not be protected. Hope this helps!
I am a real estate broker qualified to advise you on California real estate matters, not the law. If you desire legal advice, consult with an attorney.
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Fri Aug 21, 2015
Ebonimall answered:
A lis pendens is permitted in some types of lawsuits and actually required in other types of actions. It is required in lawsuits for Partition, Eminent Domain, Quiet Title, Claims to Escheted Property, Forefeiture Proceedings, and Actions to Declare a Building Uninhabitable. Contact an experienced attorney to handle this for you. http://ForeclosureIQ.com ... more
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Fri Aug 21, 2015
Ebonimall answered:
A lis pendens is permitted in some types of lawsuits and actually required in other types of actions. It is required in lawsuits for Partition, Eminent Domain, Quiet Title, Claims to Escheted Property, Forefeiture Proceedings, and Actions to Declare a Building Uninhabitable.
http://ForeclosureIQ.com
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Sat Jan 17, 2015
Suzanne MacDowell answered:
This is a classic scam. Trulia is aware and has built in a function for reporting suspected fraud. If you will go into the rental listing and scroll down to the MORE drop down menu that is just below the photo in blue. Click on FLAG you will get a dialogue box called listing error. Click on the down arrow called ERROR TYPE and choose suspected fraud. In the dialogue box, tell Trulia why you suspect this is a scam. The listing will be pulled down and if it is confirmed to be fraud it will NOT be put back up. And thank you in advance for making the world a better safer place. ... more
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Mon Nov 3, 2014
Eugene Dean answered:
I would recommend taking these repairs one at a time. The total price may be overwhelming, but individual increments are more manageable. You should prioritize the projects by how badly they are needed. I would suggest starting with your internal doors.

http://www.harvestdoors.com
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Tue May 6, 2014
answered:
No. It can only affect any changes to title like a refinance or a sale. Just send me an email if you have any further questions.

Alex Greer
Loan Officer
NMLS #1056079

http://www.TheMortgageOutlet.com
408-352-5147
AGreer@TheMortgageOutlet.com
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Thu Feb 6, 2014
Kirk Thompson answered:
USDA is mainly for low income borrowers in designated rural areas.
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Sat Dec 28, 2013
Ali Qureshi answered:
You may want to talk to reputable mortgage brokers to structure your transaction. As a first time home buyer there are many programs that are available to you.
0 votes 7 answers Share Flag
Thu Nov 28, 2013
answered:
NO. Rent to own never benefits you. If you can afford to rent you can afford to purchase.

Alex Greer
Loan Officer
NMLS #1056079
http://www.TheMortgageOutlet.com

408-352-5147
AGreer@TheMortgageOutlet.com ... more
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Tue Jun 18, 2013
Joan Roberts answered:
This is a very serious matter and I would not mess around with trying to figure it out yourself. Take the good advice given and hire an attorney to get you though it without mistakes.
Best wishes to you. . .
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Wed Sep 26, 2012
Ted Mackel answered:
If you are asking for California Real Estate. Please check out this article I have on my Real Estate Blog. This should answer most of your questions.

http://homebuysblog.com/2011/06/17/how-does-a-lis-pendens-affect-california-real-property/ ... more
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Tue Apr 10, 2012
Annette Branch answered:
Unpermitted screened sunroom was added on to a home. What, if any, are the risks of purchasing a home with an unpermitted sunroom?
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Thu Aug 18, 2011
Janey Bishop answered:
Depending on what you are trying to accomplish it might be faster and less expensive to go to small claims
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Fri Jun 17, 2011
Ted Mackel answered:
I wanted to clear up some information. In California it is very rare to see a Mortgage. We are a Trust Deed State. There is no Judge involved in the foreclosure and no judgement involved either. The Trustee has the power to sell the property non - judicially.

In a mortgage there are only two parties, the lender and the borrower and the Lender has to go to court in front of a judge to foreclose. California is not a Mortgage state. Does not mean that mortgages can't exist here, if they do it is going to be rare.

In California we use a Deed of Trust which involves three parties. The Borrower known as the Trustor, The Beneficiary known as the Lender and the Trustee - a third-party that holds the title in trust until the loan is repaid.

The term mortgage is used loosely here in California much like Xerox or Kleenex.

For more information see http://goo.gl/45vnN This link has a detailed article on California Foreclosure Time Frames
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Tue Aug 3, 2010
James Gordon ABR SFR SRS answered:
Es there is goverment paid forclosure avoidance help. HUD pays for the service with a one time fee. If you meet the income guidelines for your county there is no charge and if they can get the forclosure stopped there is actually a bonus in it for them from the government. Here is a link to the agencies in California that are HUD approved.
http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?&webListAction=search&searchstate=CA&filterSvc=dfc

Good Luck but I would make a call to a company on this list as my step.
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Thu Jul 8, 2010
Ted Mackel answered:
Help,

I recently had to sign a court document the verify the BPO I did on a property that was later subject to a BK. The document from the BK Court was "Declaration of Ted Mackel in Support of Wells Fargo, N.A.'s Motion for Relief From the Automatic Stay". The reason why I was asked for the Declaration, was so the lender could move forward with the foreclosure. BK will stop a foreclosure but that may only be a temporary stoppage.

Unless you were in negotiations for a loan modification or a short sale, the banks will foreclose, but here is the "Catch 22" as I understand if you are in BK then you cannot discuss a Loan mod or a Short Sale with your Creditor.
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Thu Oct 1, 2009
Patrick Thies answered:
A Lis Pendens does not stop or prevent a foreclosure. The term Lis Pendens means law suit pending and is a written notice that a lawsuit has been filed concerning real estate, involving either the title to the property or a claimed ownership interest in it. In this case it would come from the lender and be filed on the homeowner.

I'm not sure what the value dropping has to do with anything unless you are leasing with option to buy. If it's just a standard lease, then you have a lease agreement with the owner but do not have any interest in ownership. Regardless of what the owner is doing with your rent payments, you are still bound by the terms of the lease agreement at this time. Should the house become foreclosed on then things may change and the lease could become null and void. Check with an attorney to be sure.
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Mon Sep 8, 2008
Barry Shapiro answered:
Hi Karen,

An REO (Bank-owned) property at 584 Galsworthy Street (1,245 sf) already has an offer accepted, pending removal of the Buyer's Contingencies. Another home, West of Moorpark Rd. & North of Janss, is for sale by a regular seller (with Full Disclosures) in turn-key condition listed under $600K. When you are dealing with almost 1/2 acre parcels, the appraisal will naturally come in substantially higher. ... more
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Fri Jul 4, 2008
Joyce Zangmeister answered:
First-time Home Buyer in 91367,

Checking in with you to see if you purchased in the Casa de Oaks development. I just checked the MLS and found several units as pending sales.

There are other developments throughout Ventura County in similar price ranges but without the city restriction of requiring owner occupancy.

If you would like auto emails with available condos, please get in contact with us. It is a great way to learn what is for sale in Ventura County. What a great place to live!!

"Doing Real Estate Right"
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