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92083 : Real Estate Advice

  • All28
  • Local Info0
  • Home Buying10
  • Home Selling7
  • Market Conditions0

Activity 24
Sat Jan 14, 2017
Gina De La Rosa answered:
Contact your lender and ask for a loan modification free. They will help you any questions please contact me

Gina De La Rosa
310 400 2345
0 votes 17 answers Share Flag
Wed Nov 2, 2016
Kattie.ivey answered:
I sold my house and did not have to be out till Nov 1st and the new owners went in on Oct 22 and though out the rest of my stuff did they break the laws
0 votes 8 answers Share Flag
Wed Aug 17, 2016
Alexander Greer answered:
You will have a 30 day late on your credit report which will make getting a new mortgage in the next 12 months pretty difficult.

Alex Greer
Loan Officer
NMLS #1056079
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0 votes 2 answers Share Flag
Tue Jul 19, 2016
Maricris A answered:

Please provide the complete property address and I will be able to assist.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:


Consumer Care Advocate
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0 votes 1 answer Share Flag
Wed Jun 1, 2016
Thu May 5, 2016
It would be my guess, that the seller's knew about it and "forgot" to mention it.
I believe in California you can sue and win on this one, but you need to to talk to an attorney.
0 votes 1 answer Share Flag
Sat Jan 30, 2016
My NC Homes Team answered:
To start with this is not a real estate question as a mobile home is a vehicle. Simply have your friend sign the title over to you and pay her her money and then submit the bill of sale and signed title to your DMV and get a new title in your name only. Or have a car dealer help you if you feel you need assistance. ... more
0 votes 1 answer Share Flag
Fri Jan 29, 2016 asked:
My friend and I bought a mobile home, the title is under both names. I am paying her the money she invested to get the title just under my name. How is it the process to modify the title?…
0 votes 0 Answers Share Flag
Thu Aug 13, 2015
christine kankowski answered:
Just before closing, the escrow company will receive a payoff notice. This wil be the total still owed. So if you missed a payment, they will include this in the total owed.
You dont get a benefit from not paying.
The full balance will be cleared when you close escrow.
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0 votes 2 answers Share Flag
Sun Apr 7, 2013
Brianandjulieb answered:
Don't know why it shows I live in Chicago - I live in San Diego!!
0 votes 10 answers Share Flag
Wed Jun 20, 2012
Sharon Oyer answered:
Contact CDA Law Center. Ask for Valentino Adams. Here is his contact information: or 949-379-8031.

CDA will conduct a phone interview and then let you know whether they think you are candidate for a loan modification.

Here are some links to learn about them and loan mods:

They use a program that produces a R.E.S.T. report. I've included a 5 minute video clip on the Gov’t Software (REST) Report. This report proves that you pass Net Present Value and fit within the investor guidelines. This is the first step we take on your file to give you peace of mind. We’re going to put a package together that your lender is receptive to and we’re going to back it up with this report.


“The people at CDA Law Center are the same people behind, and they are now making the REST Report available to homeowners, which is something I very much endorse. The REST Report is an 20-page report that tells a homeowner with certainty, whether or not they pass the NPV test and qualify for a loan modification under HAMP, the Home Affordable Modification Program.

The REST Report is generated by a version of the same software platform used by banks and servicers for loan disposition analysis. It’s the best way I’ve seen for a homeowner to know whether they pass the NPV test, and homeowners can send the report to their servicer, along with their documentation, so that the bank or servicer sees that investors will be better off financially by modifying as opposed to foreclosing on an NPV basis.

Homeowners can call, talk with knowledgeable and caring experts that have successfully negotiated hundreds of loan modifications, and they’ll help the homeowner make sure that the report is accurate.

They also review the results with the homeowner, show them how to read it… even though it’s very easy… they tell them about their options based on what the report shows, and they tell them how they can use the report with their bank to improve their chances of getting their loan modified.”

Lighthearted Humor - here’s what happens when you try a Loan Mod on your own:

I hope his is helpful.
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0 votes 7 answers Share Flag
Mon Jun 4, 2012
Zack Widdes answered:
The answers below are on the money. Once you consider the Mortgage Payment, Insurance, Taxes and Mortgage Insurance, you will be around $2,196.00 per month based upon the current interest rates at 3.85%.

As mentioned, the first thing to do is talk with a lender. I have several that I can forward you there information, as they will be able to give you the best answer for your situation

Zack Widdes
Richard Realty Group
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0 votes 9 answers Share Flag
Thu Jul 28, 2011
Sainnyin answered:
We, the borrowers, did not create this housing mass; the banks, brokers and the real estate agents did create it.
Your next-door neighbors, who just recently moved in the same size and style house as yours, only pay half of what you have been paying per month. >>>Talk to your lender first. Fill out home loan modification document and send it to them. They will reduce your interest and payment significantly. If they denied your applications, then STOP playing. During the process you will be able to live in your home for at least 8 months for FREE and submit more applications until you get the help. How much do you save during that time? If they tell you to move out just keep staying and save money and tell them that you have been asking for help. More likely they will help you reduce your monthly payments at least 1/4. Some even stay in their homes for over 3 years for free and save the money for down payment on next home. ... more
0 votes 10 answers Share Flag
Sun Jul 10, 2011
Daniela Marshall answered:
You are welcome.

0 votes 6 answers Share Flag
Thu Sep 16, 2010
Lorraine answered:
Great suggestions, have been given to you---I do have a couple of other suggestions. ***I would recommend*** Contact the local Chamber of Commerce, there website is great for giving a shout out. Also, the local paper such as the North County Times, & The Coast News. ... more
1 vote 4 answers Share Flag
Fri Sep 10, 2010
Dp2 answered:
If you don't have enough to reinstate your loan, then you'll need to look at a few other options. It's possible that you could equity partner with an investor, do an exchange, etc. It really depends on your creativity, flexibility, and timing. ... more
0 votes 3 answers Share Flag
Fri May 7, 2010
Pacita Dimacali answered:
Missing one payment won't change the fact that you'll be one month behind even if you make next month's payment. That WILL show up on your credit as 30 days late. If you don't catch up with that payment, then it will be 60. Then 90, 120 days overdue. etc. Simply put, that missed payment creates huge waves. And the impact could be significant.

Can you cut back on your expenses instead? Pay your credit cards on time so that you don't incur a late payment fee that adds up to your balance. Look for other ways you can reduce your monthly spending.

And when you're back on your feet, make it a habit to "pay yourself" by setting aside some savings for rainy days like now.
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0 votes 5 answers Share Flag
Wed Mar 10, 2010
John Bennett answered:
Hello Sasha, my partner ,who is a real estate attorney, gives free legal advice to homewoners. We own a real estate office in Orange County but we do business all over Southern California. We specialize in advising clients who are considering a short sale but are not sure of their options. I can be reached at 949-400-4500. ... more
0 votes 4 answers Share Flag
Thu Nov 5, 2009
Bill Eckler answered:
Repair and maintenance issues are NOT acceptable hardship criteria used by banks. They generally look at loss of income, declining health, disability etc when determining the special needs of borrowers.

Be sure to explore all options prior to walking away from your home and your responsibility to the lender.

Good luck
The Eckelr team
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0 votes 6 answers Share Flag
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