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92203 : Real Estate Advice

  • All27
  • Local Info1
  • Home Buying18
  • Home Selling0
  • Market Conditions0

Activity 21
Thu Nov 10, 2016
Estfz answered:
what happen when owner forcloses on property & HOA fees, then doesn't pay even when taken to court?
0 votes 5 answers Share Flag
Wed Aug 31, 2016
Maria C Zarzosa asked:
how do I unsubsubscribe I am getting prospective clients and my condo at Bermuda Dunes is already rented. Besides I AM THE OWNER not an agent or a person looking to rent.
0 votes 0 Answers Share Flag
Fri Jul 8, 2016
I assume they have some income, if so then what to do is make them borrowers and you cosigner. This way you can get the low down loans. But your situation may be different.

If you would like to call me, my phone number is 714-968-2500 I would gladly tell you your best options.

NMLS 287206
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Thu Jul 7, 2016
Pedsnurse6301 asked:
Mon Nov 2, 2015
Jay Jay asked:
Fri Jan 2, 2015
Robert Hanson answered:
I and some other lenders (but not all) can work with that score to get an FHA or VA or USDA mortgage. It is also possible that you could do some minor credit tweaking and get your score to a 620 to qualify for a conventional loan. Depending on the details, that may, or may not be the best option for you. You need to speak with a lender representative that will lay out a variety of these options and take the time to go over the pros and cons of each. If I can be of assistance, feel free to contact me at your convenience. You can live chat with me at the link below and my full contact information tagline will also be posted as a reply to this comment. Regards, Robert Hanson: ... more
0 votes 6 answers Share Flag
Fri Jan 2, 2015
Cindy Davis answered:
I believe so, but your best bet would be to ask an an accountant.
0 votes 1 answer Share Flag
Fri Oct 12, 2012
Devona Garrigus answered:
You would need to drag the issue into court. You're better off relocating if the HOA fees bother you that much.
1 vote 6 answers Share Flag
Wed Jul 18, 2012
Ray Wright answered:
Whenever there's a change in financing you'll need to disclose it because it is a change to the original contract. Typically, the bank on the short sale will not have any issue. The one you need to disclose it to is the seller and I'd do it right away. A simple addendum should suffice. If they accepted an FHA offer, they probably won't have any issue with the VA loan. ... more
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Wed Jul 18, 2012
Ray Wright answered:
You could hire an attorney and pay them to help you OR you could "hire" a Realtor and let the bank pay them for helping you.

Other than foreclosures, court ordered sales are few and far between. I've come across a few due to divorces, however your best bet is to get with a Realtor and sit down to go over your desires and needs. As far as being first, as stated previously, it's not always an advantage over others due to the way banks deal with offers.

I suggest you have your Realtor help you designate areas you like and then he or she can search for homes in that same area that may come on the market soon (i.e., pre-foreclosures). Your Realtor can even contact homeowners in those areas to see if anyone is interested in selling. When I was a child, my mom went to the grocery store. While she was gone, a Realtor knocked at the door asking if we were interested in selling because she had buyers interested in our floorplan. My dad allowed her to show the buyers the house and they made an offer right then and there. My dad signed the contract, contingent upon my mother's signature. Needless to say, there was a "go to your room" moment for me while my mom and dad "discussed" the issue. But in the end, we moved and the buyers were happy! Of course, that may be rare but it obviously does happen and I've always remembered that Realtor's "go-getter" attitude.

Your BEST option, if you're serious about purchasing a home is to get with a Realtor who knows the area and can help you through the process. That's the FIRST and foremost step in purchasing a home. Check with friends and family to see if they can refer someone to you or research sites, such as this one to find a good professional Realtor. Your SECOND step is to get pre-qualified for a loan. AFTER you find a Realtor, he or she will have you meet with the lender that he or she uses regularly. This is important. Please let me know if I can help or if you have any more questions.

Also, please let us know who was the most helpful by voting for the "Best Answer" and giving us a "Thumbs Up".!

Good luck!

Ray Wright
Keller Williams Realty
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0 votes 5 answers Share Flag
Sat Jul 14, 2012
Carla answered:
I would be very interested in leasing with option to buy in Sundance, Indian Wells.
Please contact me with more information. I am looking to move in September if possible.

Thank you,

... more
0 votes 3 answers Share Flag
Thu Mar 15, 2012
Zeke&Terri Wheeler answered:
I live in 92203 and there are no mello roos in Bermuda Dunes Country Club and the HOA fees in this gated community are only $145 per month and this includes Cable TV with HBO & Showtime and all music channels. This applies to homes only that are within the seven gated areas and excludes those homes and condos that are in secondary gated or have their own private HOA.

Most of the homes built after 1999 and north of I-10 have mello roos. I believe there are 21 subdivisions and approx 18 of the 21 have mello roos. TEAM WHEELER has access to all that information and we would love the opportunity to show you the communities without mello roos. We can be reached at: 760.409.7630 or
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Thu Jan 19, 2012
Elizabeth Schulze answered:
I sold a home on Bowden Drive and the homeowners are very happy with the neighborhood and their neighbors. I have friends that live in Bermuda Dunes Country Club, and I have sold a couple of condo's in Saddlerock. It is entirely up to you to make that decision. The best way to decide is to drive in the neighborhood you are considering and park your car for a short spell at different times of the day. Check the internet for crime statistics and school rankings around the area you are interested in. You can get a general picture of the community and go from there. Good luck. ... more
0 votes 2 answers Share Flag
Sat Jan 2, 2010
Jane Grant answered:
It could be that the home is in litigation or it could be one of the many properties that has had a Notice Of Default filed by the bank but is under the moratorium that prevents the bank from actually foreclosing.

There are many homes that still have title held by an owner who has long since moved out due to the fact that they have received a notice of default and believed that the bank would be completing the "Foreclosure", soon.

Read here about my article on the moratoriums prevent banks from foreclosing on homeowners with certain types of loans:…

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0 votes 2 answers Share Flag
Fri Oct 16, 2009
Jean Kelleher answered:

I'm sorry I didn't notice the second part of your question regarding offering the asking price. Many times you only get one chance to make an offer on a short sale and may be in competition with other bidders. I would ask your agent to advise you as to how the short sale price compares to other things in the market at that time. If it is a significant amount less than market, I would advise putting in a strong offer that gets their attention along with a pre-approval (not pre-qual) and a short turn around time. These things are important to the bank. All the rules of negotiation we are accustom to go out the window when dealing with a bank situation. A good broker should be able to position you to be successful. My advise is to listen to him/her so you won't have regrets as you may not get a second chance. ... more
0 votes 4 answers Share Flag
Thu Oct 8, 2009
Elizabeth Herbert answered:
Usually, until you go under contract or close on the sale of the house you live in, there really isn't anything that you can do in regard to denying potential buyers viewing appointments. However, just to be sure, call an attorney in your area and ask. ... more
0 votes 1 answer Share Flag
Tue Oct 6, 2009
James Ryan answered:
Good morning,
The FHA links listed by Ms. Le are great starting points, I assume you were already working toward an FHA loan program.
I just wanted to correct Ms. Le's assertion. Technically, there are no credit score requirements with FHA, however, in reality, for loan amounts less than 417, the best FHA rates are acheived with scores over 620, and there are STILL a few lenders left that will go down to 500.
Her 4 C's sound trite, but are accurate. Good info there. I hope these comments help you! Jim
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0 votes 2 answers Share Flag
Thu Mar 12, 2009
Robert Vaughan answered:
Yes, yes. There are many different opinions out there and as many news articles to "back them up". But there are forces at work that many do not understand. For instance, were you aware that many banks are holding back their REO inventories to put a stop to the downward pressures? There are two primary reasons they're doing this.

First, in markets where REOs are the majority of the inventory, they can manipulate the bottom of the market by reducing supply. People think that foreclosures = great deal, and in many cases they do, however; is that sentiment going to change? Banks are tired of taking losses and if they can control the price they get by controlling the market, they will. Look at any well known REO agent's inventory, and you'll see a sharp decrease from only a few months ago. Banks are choking off the supply and demanding a certain price for the properties and this is frustrating buyers. Fine, buyers will go buy the other properties in that market, but when those are gone, they'll have no choice but to buy at the price the bank demands.

Secondly, there is a lot of incentive for a bank to hold on to "toxic" or 0 based assets right now. The government's plan to backup private investments and to purchase these assets off of the bank's books at a value that is more than likely going to be higher that what they would get by selling it on the open market encourages banks to hold on to the assets for the big pay-day. I don't know how their going to value these assets, but based on how the banks are behaving, it looks as though they think it's a good bet to hold back, on both fronts. So much for, "banks don't want to own property". Well, they don't, but these are desperate times that call for desperate measures.

What does all this mean to you and I? Well, for one, it means that you can't predict what the industry is going to do, and you certainly can't predict the future? Will prices continue to go down or stabilize? Will the interest rates continue to be this good? Does anyone really know?

Any investor worth their salt will tell you trying to time the market is a fool's bet. Ask any Realtor and what they will tell you is that if the time to purchase a home makes sense for you right now, it's as good a time as any to make a move.

Some say that the market will continue to drop another 20% before we reach bottom. I say, you wanna bet?
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0 votes 10 answers Share Flag
Thu Jan 29, 2009
Ro answered:
If you don't own any other properties, you should check with NACA (The Neighborhood Assistance Corporation of America) at They have been very helpful to my family.
They are on the news all the time, working in Washington to help get the mortgage crisis under control. They hold workshops to educate people about refinancing and offer good rates.(5.5% right now for 30 year fixed.)
Very nice people, and they can also assist with property improvements.
... more
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