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92056 : Real Estate Advice

  • All35
  • Local Info2
  • Home Buying13
  • Home Selling6
  • Market Conditions1

Activity 29
Tue May 16, 2017
Angelica P answered:
Hi,

I apologize we have false foreclosure information listed on our home details page. This data is provided to us from Zillow foreclosures and we currently do not have the ability to edit or remove the information that they are sending us.

Please be advised that I have created a ticket to Zillow Consumer Care to request the removal of the foreclosure status from your property. Once the status is removed from Zillow, it will automatically update to Trulia after 24-48 hours.



Thank you for using Trulia!

Angelica
Consumer Care Advocate
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0 votes 1 answer Share Flag
Wed Feb 8, 2017
Rich Reed answered:
Hi, Patty. This is a question to ask your agent. Only you and your agent know exactly the terms of your purchase agreement and what it says about the EMD. Whenever a buyer cancels on the basis of any contingency, the reason for the cancellation must relate to that contingency, and must be in good faith. Seek legal counsel! If there is a dispute over who is entitled to receive the EMD, a judge or arbitrator may decide the issue, and no one can ever guarantee how any particular case will be decided. 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. Thanks!
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0 votes 1 answer Share Flag
Fri Jul 1, 2016
Jesseprescott asked:
Tue Mar 15, 2016
answered:
And ....


I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com ... more
0 votes 1 answer Share Flag
Mon Mar 14, 2016
Walter 'Skip' Kersten answered:
They are your disclosures. Disclose what you want.
Good luck
0 votes 1 answer Share Flag
Thu Feb 27, 2014
Christopher Rodriguez answered:
I've closed hundreds of short sales and 9 out of 10 times the tenants do not get anything for moving expenses. The reason being is that any and all funds paid out as a seller incentive are mostly credited to the actual seller and not tenants. Their are some funds in HAFA short sales or other unique circumstances where you can get money. Now with this being said there is a way to put "Pressure" to attempt to get funds to help you move. If your lease term is not up by the time the property needs to close. In this case legally you do not have to move so you can request funds from the seller or their agent to assist for your cooperation in moving out. Also, by law if you have lived in the property for more then 12 months they have to give you 60 days notice to vacate. ... more
0 votes 3 answers Share Flag
Wed Feb 19, 2014
Christopher Rodriguez answered:
60 days notice is required, also you should issue a "notice of sale and entry" I have sold hundreds of short sales and I would have to say that out of all the issues that may come up in a short sale having an in-cooperative tenant is by far the worse. Its important that you stay in good communication with the tenant and issue all appropriate notices and keep them on your good side. There are several things you can be proactive in doing. Give me a call or have your agent call me if you need further assistance. 760-213-6214 ... more
0 votes 3 answers Share Flag
Wed Nov 13, 2013
Tony Cannon answered:
Were you able to get refinanced? The smaller lenders seem to have more flexibility in approving borrowers who may be self-employed and new programs are coming available all the time. I have a few people I can refer you to should you still need assistance with a loan.

I completely understand your frustration since I too am self employed and was not able to refinance for several years.
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0 votes 4 answers Share Flag
Sun Jul 28, 2013
Tony Cannon answered:
Yes, The Boulevard Apartments are at 1904 College Blvd and can be reached 760-945-0444. Google maps gives a pretty good street view if you wanted a closer look.
0 votes 2 answers Share Flag
Wed Jul 24, 2013
JR Thrasher answered:
There are several single story condos or condos with a bedroom on the first floor. Click the link in the web reference below for a list of condos in Oceanside that are one story or have a bedroom on the first floor.

J.R. Thrasher
www.SanDiegoRealEstateVeterans.com
(619)929-0105
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1 vote 3 answers Share Flag
Mon Jun 10, 2013
Daniel Lehman answered:
Its over the top, and YOUR representative should have fought it BEFORE it became an issue. Underwriters can always be over the top. The question is, who is representing your best interest? Now that the underwriter has seen the report, she cannot un-see it.

Your loan officer should have never sent it, and should have fought the condition FOR the inspection way before having to fight this stuff. Perfect reason why you need to shop for mortgage lenders by ADVICE not PRICE.

We all have relatively similar pricing, but the advice that you receive is a world apart.

Daniel Lehman
daniel.lehman@wjbradley.com
858-345-4725
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0 votes 5 answers Share Flag
Thu Dec 27, 2012
Neil Fjellestad answered:
May I suggest our interactive website http://www.fbs-pm.com/renter-services/rental-search/ This website can also be uploaded as a mobile version so you can see what's available on your smartphone including video tours of the houses, condos and apartments in which you have interest. This same interactive site allows you to apply online, assist you with our lease documents and get you moved in to your new home. Later you will have a secure place to pay your rent online and thereby never have a problem with late rent penalties. If you have a maintenance issue you can communicate the same way. We provide personal resident care with technological convenience.Neil ... more
0 votes 3 answers Share Flag
Fri Nov 30, 2012
Joseph Arendsen answered:
Hi Jj,
There are always going to be good and bad agents, I'm not saying she is a bad agent but... I always respond to calls from my clients during regular business hours within minutes. One thing you may want to check is that she is a full time agent. In today's competitive market buyers really need to make sure they have a full time, hard working, experienced agent working for them. If you ever have any questions or are looking to hire an experienced agent who works and lives in Oceanside 92056 give me a call.

Joseph Arendsen
760-672-0174
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0 votes 6 answers Share Flag
Tue Sep 25, 2012
Tony Cannon answered:
In the last 3 months, on average 43 condos have sold per month in Oceanside and there are 82 currently Active. Prices are up about 6% from a year ago and market time hasn't changed too much(short sales skew the days on market data).

For Carlsbad, 51 sell per month and there are 86 Active so inventory levels are similar and both indicate a seller's market. Prices are up about 3% year over year, and days on the market is down about 15%.

Overall, Carlsbad is a more stable market than Oceanside, but condos in both cities experienced greater price drops than single family homes.
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1 vote 4 answers Share Flag
Fri Aug 17, 2012
John Schinkel answered:
In my experience, you can not do this under normal circumstances. I work primarily with investors and Buyers looking for great deals so I have gone down this road several times. It is understandably frustrating to be a Buyer, well qualified and ready to buy a house but with no way to present an offer to the owner. I offer a two part explanation as to why bidding on a foreclosure prior to it's oficial listing date is typically not an option. First, the bank wants as much for the asset as the market will bear. To accomplish this, it is necessary to expose the property to as many buyers as possible. Not only do they want the property on the local MLS, usually they will leave it on the market long enough to accumulate multiple offers. This creates a competitive situation that often progresses to the would-be buyers improving their initial offer during the asset manager's call for highest and best.

Secondly, in many situations (not all), the original home owner will be pursued by the bank for a deficiency judgement. If that homeowner can make the case to a judge that the deficiency is based on a low sales price that resulted from the lender's failure to make a reasonable attempt to get as much for the property as possible, the lender's case may be substantially weakened or thrown out all together. And, to take this a step further, a lender who made a practice of accepting offers without exposing the property to the market then pursuing the defaulting home owner for the deficiency would likely end up facing a class action law suit.

I usually attach a tag to the property for my Buyer which alerts me and her or him immediately upon the addresses activation in the MLS.
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0 votes 15 answers Share Flag
Mon Jul 2, 2012
Tiffany Boyd, Realtor answered:
That is a good question Sydney.
I'm wondering if you are hoping to buy something now and let someone else assume it later?
Or perhaps you are hoping to avoid a Down Payment by assuming a loan?

It's difficult to answer without more information, but my lender friend mentioned that many loans are assumable in the first 5 years.
It's free and easy to speak to a lender about your specific situation so that they can give you the best advice - I recommend bending their ear.

And of course, if you need assistance in finding a home - I would be happy to help you in that arena. North County is a great place to live.
Tiffany Boyd
Realtor, KW Carlsbad
760 533-2244
Tiffanyhomes@yahoo
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0 votes 3 answers Share Flag
Tue Jan 3, 2012
Emelia Sanchez answered:
Ross,

The homeowner will require a Realtor if the property is facing foreclosure. The Realtor will need to negotiate with the foreclosing lender on their behalf as others have stated it is a long and detailed process. I have yet to see a homeowner do a for sale by owner when it is a short sale it does not make any sense when there is zero monetary return to them. ... more
0 votes 12 answers Share Flag
Tue Jan 3, 2012
Andrew Foote answered:
That's terrible what happened to you. Unfortunately, the legal options and procedures vary from state to state, and even from county to county. I don't know that I can offer much help after the fact, but for those who read this and are concerned about falling into the same circumstances, I do have a few tips. Take your signed lease agreement to your county's clerk and recorders office. You should be able to find in by doing a google search for *your county* clerk and recorder. If you record the lease against the property at the clerk and recorders office, this makes you a party of interest for the property, and puts you on the mailing list for the foreclosing lender to notify about any upcoming proceedings. You'll also want to contact you local qualified Realtor to see if a lease survives a foreclosure conveyance in your area. The laws have been changing in recent years to protect against situations like yours, but you have to take the steps to be in the game. I hope this information serves to help some families avoid the same painful experience.

Foote
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0 votes 9 answers Share Flag
Thu Sep 1, 2011
Jennifer answered:
lol Debbie i didn't realize the question was old.. too funny and your post before mine didn't show up until today.. but i looks like you posted before me at 9:23. you know computers and cell phones can be funny. Even with text messages i have seen them go through on my end but no get to certain places for even a day or two.. But yes you have a GOOD point! :) ... more
0 votes 19 answers Share Flag
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