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Home Insurance in Benicia : Real Estate Advice

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Thu Sep 23, 2010
Karin Carr answered:
First things first - your Realtor did not "allow" the bank to foreclose on your property. The agent cannot force the bank to accept a short sale and some banks are harder to deal with than others. You allowed the foreclosure to happen by not paying your mortgage, whatever the reason may be. So let's not place blame on the agent.

Now, If the bank forecloses and they see that the house is vacant they will immediately change the locks and take possession of the house. I'm assuming you were not living there at the time of the foreclosure. If you leave personal property in the house they legally have to give you 18 days to retrieve your possessions (the condo is in Benicia, correct?) If the bank feels that the stuff in the house is worth less than $300 they will throw it away.

Go by the house and see if there's a notice taped to the front door with someone's contact information. Call them and make an appointment to get your things back. It was not your Realtor's responsibility to have you clean out the house prior to the foreclosure.

Lastly, if the agent put a lockbox on the house without your permission and didn't return messages you can file a complaint with her broker. If you signed a listing agreement that said no lockbox and she did it anyway, you have a valid complaint.
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