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92656 : Real Estate Advice

  • All28
  • Local Info2
  • Home Buying8
  • Home Selling1
  • Market Conditions0

Activity 20
Wed Sep 7, 2016
Angelica P answered:

The photos have been removed from our display as you requested.

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

Thank you for using Trulia!

Consumer Care Advocate
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0 votes 2 answers Share Flag
Wed Aug 17, 2016
Teri Chester asked:
I'm wondering in the Aliso Viejo area do homeowners have property for rent for the average income worker? It's a shame I've been working for many years and can barely afford…
0 votes 0 Answers Share Flag
Thu Mar 17, 2016
Richard Littlefield answered:

Try this link, it should open the form for the Orange County recorder's office. Make sure you read up and do it correctly as I have seen more than one person do it wrong and not get the benefit.

If you already have sold or purchased a new home you may have difficulties. There are time frames you need to meet.

If you can not access the Document or would like any other help please call me at 714-968-2500

Rich Littlefield
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0 votes 1 answer Share Flag
Fri Nov 7, 2014
Robert Chomentowski answered:
What were the issues you had with the other lenders? Should be pretty straightforward with your credit score, adequate income, down payment and debt-to-income ratio.
0 votes 25 answers Share Flag
Tue Apr 22, 2014
Lori Hanson answered:
There are a number of homes that are within walking distance of the lake and go out from there. All are pretty much a short drive to the lake where there is public access to the lake for boats. ... more
0 votes 3 answers Share Flag
Sat Mar 1, 2014
Bill Cook answered:
You have a couple of options:

1.) 1 1st and 2nd combo

2.) 1 loan at 90% LTV with lender paid MI included in rate, and some rare ones have none at all

as far as I know right now, this is up to $1Mil and a couple go to $1.1Mil ... more
0 votes 13 answers Share Flag
Fri Jan 17, 2014
Elizabeth DeBiasi answered:
I've done a lot, and I do mean a lot of leases over the years, and I concur with the others that with a good explanation, there are landlords out there who will take your family assuming the income is consistent and you have a cushion of money in the bank. Your credit scores are good enough for FHA to sell you a house, and these days there are lenders who will lend 1 day after the close of a short sell (subject to review) with credit scores in the 600's. So to answer your question, absolutely. I'd be happy to take on your cause.

Elizabeth DeBiasi
Windem Real Estate
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0 votes 14 answers Share Flag
Thu Aug 15, 2013
Dave Redderson answered:
The Irvine Company has many rental properties with flexible terms. Visit their website at:

Dave Redderson, Broker Associate, CRS, ABR, ePRO
Evergreen Real Estate
Orange County, California
Cell: 949.338.6901
eFax: 866.826.1845
BRE#: 01423207
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0 votes 5 answers Share Flag
Sun Jul 7, 2013
Jacqueline Screeton answered:
Yes, banks are still doing short sales. On average it takes about 2-3 months for bank approval on the short sale. But it depends a lot on how fast the seller is turning in bank statements, etc to the bank when asked by the negotiator. I do a lot of short sale negotiations. They have gotten faster and more stream lined in the past year. It also depends on the bank as well. I always think it's a good idea for the buyer's agent to call once a week to the listing agent to make sure they are moving along in the process. It let's them know you are hanging in there throughout the process and not losing interest. ... more
2 votes 6 answers Share Flag
Tue Jan 22, 2013
David Bates answered:

This is an REO right now! They pop up every so often and go quickly. The best thing you can do is be ready for one. You need a solid strategy, financing in order, and you have to be ready to move fast. ... more
0 votes 14 answers Share Flag
Thu Apr 12, 2012
jason irwin answered:
There are a number of quality rentals that come on the market daily in Aliso Viejo that wouldfit what you are looking for. DO not worry about your bankruptcy, I work with a number of lenders who work with me and if I can tell them your situation I can getthings pushed through for you. Are you looking inthe 92656 zip code? Call me and we can discuss, i would be more thanhappy to. Jason 949-933-3768 ... more
0 votes 7 answers Share Flag
Thu Apr 12, 2012
jason irwin answered:
there are a number of homes in Aliso Viejo under $500k,there are some really good deals out there actually. In my opinion in what Ihave been seeing, now is a great time to buy in that area. Jason ... more
0 votes 15 answers Share Flag
Fri Jan 27, 2012
Bob Phillips answered:
No Bad, Gregorio.

Your contribution was relevant, and accurate.

Hopefully, someone who is contemplating such a transaction, TODAY, will take heed of the relevant answers given by a few of the respondents to this thread, and not get into a ridiculous scenario such as Joeyjj's. ... more
0 votes 21 answers Share Flag
Thu Oct 20, 2011
Camille asked:
Right now, I live in a townhome under Section 8 in Laguna Hills. But it is not in the best neighborhood. I saw some nicer homes around my area that fit my criteria of what Im looking for…
0 votes 0 Answers Share Flag
Tue Aug 30, 2011
Rudy McDowell answered:
Hi, Helen. Regardless of the state, FHA requires a minimum down payment of 3.5%. When it comes to Conventional financing, there are some programs (Homepath and LPMI) that require as little as 3% down. It really depends on the loan program you desire and whether or not your lender (since some are not approved for FHA or Homepath or LPMI) is able to do it. Understanding this, I would look to deal with a direct mortgage lender that is able to do all these programs. Good luck. ... more
0 votes 3 answers Share Flag
Fri Oct 22, 2010
D answered:
0 votes 5 answers Share Flag
Thu Feb 26, 2009
Karen Parsons Fiddler answered:
Hi Jaynet,

If you are asking about your deposit? will not lose it. The entire offer and all the conditions with in are subject to bank approval. So you don't have to worry about that. I don't allow my buyers to incur any costs until we have the bank approval, so you are protected there.

As was mentioned before...most short sales are already in default, meaning they are behind in payments. At a minimum, once they decide to short sale the home, they will stop making payments then. As part of the short sale approval process, the bank does an appraisal of the property to make sure your offer is reasonable. If it will probably get the property. They are checking on value..and realize that it's better to get the money from you rather than get it in an expensive foreclosure proceeding.

If you would like to check out the short sale page on my website..I go into detail about the short sale process and how we handle it.

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3 votes 3 answers Share Flag
Thu Apr 10, 2008
Joe Homs answered:

To get you question properly answered, I would need some more information. If you are facing default, there are some choices to make. I just negociated a reduction in the interest rate and loan for one of my clients of $180,000.00. If you need help give me a call.
The short answer to your question may be as little as 30 days.

Joe Homs
Realty Partners
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0 votes 2 answers Share Flag
Mon Mar 17, 2008
Emily Erekuff answered:
Hi Vickie,

Except for a few rare cases, Trulia does not receive listing information from the MLS. Please direct your agent to the link below to submit your listing information to Trulia.

Best Wishes,

Emily Gibson
Customer Service Representative
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0 votes 7 answers Share Flag
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