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92064 : Real Estate Advice

  • All26
  • Local Info5
  • Home Buying13
  • Home Selling1
  • Market Conditions1

Activity 22
Sat Aug 12, 2017
Mkasper13 answered:
In my case, the second position lien who is who is foreclosing on my home. The primary mortgage is not. The second lien on foreclosing in the amount of only $42,000. The primary mortgage is still $290,000. Would the back of the second lien REALLY be interested in actually buying this? I don't see how it would benefit them. I had also been advised that the lien could go for around $5000. Does this sound accurate? (Therefore, could someone I know realistically purchase the lien at the foreclosure for around $5-6000?) ... more
0 votes 18 answers Share Flag
Mon May 22, 2017
Peterleung asked:
Tue Aug 30, 2016
the first trust deed is still a valid lien against the property. Almost all trust deeds have a due on sale clause, and could foreclose based on that.
0 votes 1 answer Share Flag
Wed Aug 10, 2016
Trenadjmc5888 answered:
can someone help me find out a property at 377 hilltop church rd dayton tn 37321 I would like to buy

call me at 423 240 9568 thanks
0 votes 6 answers Share Flag
Fri Jul 22, 2016
Some people list homes for rent, when they do not own them, and it is a scam.

If you go to the bottom of the page you can contact Trulia directly, they will not see your note that put here.

Yes if the scam artist is successful, you will end up with someone at your house expecting to move in, or if that is what is going on. So you will want to take steps to take it off.
... more
0 votes 1 answer Share Flag
Mon Apr 4, 2016
Rich Reed answered:
You posted in Poway, CA 92064. You should ask in Gulf Breeze, Fl 32563.
0 votes 1 answer Share Flag
Mon Oct 5, 2015
89jackmoore answered:
Definitely look into some local laws on the subject, and then present your case to your landlord with that information. If he still does nothing, then either take action corresponding to those laws, or seek a new location and give him notice. If I were you, I'd stick to my guns and seek an attorney. ... more
0 votes 12 answers Share Flag
Wed Apr 29, 2015
christine kankowski answered:
It is a great community. I was raise in Poway and has everything you need.
I must admit, I moved to Temecula recently and it is like poway was 30 years ago.
It has newer schools and parks- excellent schools too!!
Employment, just got a real hospital, etc.
People are moving here, from Poway now, for the lower price in housing, but still getting everything else. well, not the access to the beaches... We make a day of it, if we want to go there...
... more
0 votes 4 answers Share Flag
Wed Apr 29, 2015
christine kankowski answered:
I agree that it would be great if they could provide everything about a house, taxes, history, insurance claims, hazard disclosures. Unfortunately, there is no site that can give everythign. Most areas have Mello Roos requirements based on years, so you can assume that anythign 1980;s has none, but much of 2008 builds do have it. Etc. Any local agents should be able to give a best guess of where or not it has it. Many listins also put it in the listing for you.(Or at least in the private agent comments section) ... more
0 votes 8 answers Share Flag
Wed Apr 29, 2015
christine kankowski answered:
Were you abel to get your question answered by the trulia rep? If not, you can give me a call at
Thanks, christine
0 votes 2 answers Share Flag
Sat Dec 20, 2014
Calvin James answered:
Have you considered hydroseeding? It's a bit cheaper than sod and works just as well. The only benefit sod has is that you have grass immediately where as you have to wait a few months with hydroseeding. It was my wife's idea to try it and I'm glad I did! ... more
0 votes 2 answers Share Flag
Tue Dec 10, 2013
JR Thrasher answered:
I try to stay focused on Veteran related charities.

J.R. Thrasher
0 votes 2 answers Share Flag
Wed Jun 19, 2013
David Rudd / Kindred RE answered:
As others have stated home insurance (including fire insurance) policies and prices can vary dramatically depending on options you choose - including the provider.

Insurance can be complicated - companies may refer to similar items using different terminology. Here is what I advise my clients:

Pick three insurance companies you are interested in getting a quote.

Decide what type of coverage your think would be best for you (minimum, mid level, premium)

Decide the deductible amounts you are comfortable with.

Contact the first insurance company have them provide you a written quote.

Contact insurance companies #2 and #3 and email them your quote, asking for the SAME coverage. Any changes to highlight (as sometimes one company may work with every $500 another every $1,000).

Also - a correction to a comment below. I do not believe credit based insurance (using a credit score) is allowable in California. Last I checked the State had banned this practice ( But if this may be a concern ask the insurance company.
... more
1 vote 7 answers Share Flag
Wed Feb 20, 2013
David Rudd / Kindred RE answered:
Two scenarios:

1) Purchase with agent via MLS. Answers below are right on - it is basically negotiated. Depending on the offer, and the lender, a lot of the times the bank or lender will pay off. I am seeing more 50/50 splits in the last 8 weeks.

2) Buying at an auction (court steps). If a lien has been placed against the property than the buyer will be responsible. However, if no lien has been place, typically the HOA fees stay the responsibility of the seller. Of course, always consult with an attorney with legal matters.

Hope this helps,

David Rudd
... more
1 vote 5 answers Share Flag
Wed Feb 20, 2013
David Rudd / Kindred RE answered:
Hi there -

I have friends that used RealtyTrac years ago so they may have improved, but they ALL were truly disappointed with their services. Big promises, "easy", etc turned out to be more marketing less action.

Also, if you are looking at buying a foreclosure, look into financing first! If buying via court steps (where they are typically sold) many Counties require cash only. Also, know you are going up against people that do this as their full time job, work for corporations etc. It sounds great - but go to a few and see what it is like first.

Hope this helps!

David Rudd
... more
2 votes 13 answers Share Flag
Sat Jan 5, 2013
David Rudd / Kindred RE answered:
Every bank and situation is in fact different. I agree with many of the agents below on one fact, lending requirements have become stricter and this includes appraisals. I am vary familiar with appraisals as a former owner of a multi state appraisal company, and current licensed appraisal. In addition, I was an executive for a national bank.

Depending on the product, the loan to value ratio, credit score, borrowers assets, the lender or investor requirements, some lending products do not require a full appraisal and do in fact hand over $100,000 without a traditional appraisal - instead a computer models the value - call it Trulia values on steroids. Having said that, MOST people and properties do not qualify for this type of lending.

If your credit score is high, the loan to value ratio is extremely low, you have a strong balance sheet, wanting a variable or short term fixed rate loan, then shop around and you may find an institution willing to lend based on a desktop appraisal or automated value model (AVM). These loans are typically kept in the banks portfolio (hence variable rates are more typical) and not sold on the secondary market.

Hope this helps.

David Rudd
... more
2 votes 5 answers Share Flag
Thu Oct 13, 2011
Sophie Sausman answered:
Thats a nice area. I think it would be a great investment if you could get your hands on it.
0 votes 3 answers Share Flag
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