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Foreclosure in Contra Costa County : Real Estate Advice

  • All67
  • Local Info5
  • Home Buying38
  • Home Selling3
  • Market Conditions1

Activity 209
Sat Oct 21, 2017
Kathy Burgreen answered:
No way out of it. You have a legal obligation to pay the HOA fee on time every month. The HOA fee has nothing to do with your mortgage loan, refinancing issues or collecting rent. The big question is WHY didn't you pay the HOA fee when you first started renting??? Even if the renter defaulted, why didn't you continue paying the HOA fee?? This was the most foolish thing you did!

Owners who lost their jobs, had a medical crisis, etc. need to notify their HOA immediately because they won't be able to pay the monthly fee. However, if you were renting, you expected to collect rent money every month, so you would have had money to pay the HOA.

Even if your home is foreclosed, you still owe the HOA $18K and yes they can take you to court where a judge will force you to pay. Start contacting a real estate attorney because you will definitely need one. If you look thru your closing documents, you signed a document that states you will pay the HOA fee on time every month.
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Thu Sep 21, 2017
Karen Peyton answered:
You'll have to contact an attorney for legal advice on this one. When you call to make an appointment, ask what documents they will need to review and take them with you.

Best of luck! ... more
0 votes 1 answer Share Flag
Fri Sep 8, 2017
Eunice asked:
The information you have on the Notice of Default for 530 Eaker Way, Antioch has been updated by Contra Costa County with Notice of Recission.
0 votes 0 Answers Share Flag
Mon Aug 28, 2017
Mary answered:

I apologize we have false foreclosure information listed on our home details page. This data is provided to us from Zillow foreclosures and we currently do not have the ability to edit or remove the information that they are sending us.

Please be advised that I created a new ticket request to Zillow Consumer Care to remove the Foreclosure status of the property. Once the status is removed from Zillow, it will automatically update to Trulia after 24-48 hours.

Thank you for using Trulia!

Consumer Care Advocate
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0 votes 1 answer Share Flag
Sat Aug 5, 2017
Achunt72 answered:
My sister took over a FHA loan of our mom after she died and she hasn't pad a note in 5 years .the home is in the foreclosure status and the home is going up for auction on August 14 how can I save my mom's house if I am one of the air to the estate ... more
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Sun Sep 11, 2016
Rich Reed answered:
Information about rentals that are in foreclosure, as well as just about every other thing tenants need to know is here:

Best of luck!
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Mon May 23, 2016
I would be more than happy to help you.

I do not check replies, so if you have a comment or question email me here:

Alex Greer
Loan Officer
NMLS #1056079
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0 votes 1 answer Share Flag
Fri Sep 25, 2015
Frank Alvarez answered:
I find it hard to believe a bank pays $30-$50k to foreclose on a house. These numbers certainly include lost interest and loss of equity not to mention real estate transaction costs to liquidate. In a non-judicial foreclosure state, all that needs to happen is serving papers and some filing of paperwork with the county. I couldn't imagine it costing more than $5k to handle ... more
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Sun Sep 13, 2015
kspitzack asked:
Tue Apr 14, 2015
Rosemary.jordan1969 answered:
My home is in foreclosure sale the sale date is today April 14th 2015 is it to late for chapter 13
0 votes 12 answers Share Flag
Thu Mar 12, 2015
Neil Case answered:
In my humble opinion there is a buyer for every house and there are really only two factors that make up the bulk of the success or failure of it selling. It does not matter what the market conditions are and it does not matter the condition of the house if these two factors are done correctly.

First is price. I once sold a house that was half burned down and wasn't even habitable. Because the price was what it was supposed to be. Price the house according to the condition of the house, the condition of the market and the comparables that support it's fair market value. The best house on the planet and the best realtor in history are unlikely to get an overpriced house sold. Know how you can tell a house is priced incorrectly? Look at average market time for that area and price segment. If your house has been on the market more than 150% longer than that, then the market has spoken. Either adjust the price or take it off the market.

Second factor is exposure. Even if the house is priced correctly but nobody knows it's for sale it is also unlikely to sell. You and your realtor CANNOT impact the value of the house. The market dictates the value and price. But your realtor CAN impact how much exposure it is getting. The more people who see and see it in its best light with its best face on, the better your chances of finding your buyer (it only takes one). With that said, don't expect your realtor to spend a million dollars advertising an overpriced house. All the advertising in the world is not going to change the market value.

So there you have it. Those are the ONLY two factors involved in selling a house. Some say, "the condition of the house" or the market direction or this or that etc etc. EVERY other factor will fall under one of these two major headings. It's all about price and marketing properly. After that then it's all about negotiating the best deal once you have a buyer on the hook.

Good Luck and Happy House Selling. Keep on the Sunny Side.
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Thu Feb 5, 2015
Randy Stoker answered:
Please provide an address so I can respond, thanks!
0 votes 2 answers Share Flag
Thu Dec 11, 2014
Old question, but still very current.
Although the home owner (seller) may not want to assist with closing costs on a transaction...especially in today's market in Contra Costa County...but as a lender, we can set your interest rate slightly higher and apply the lender's rebate toward your closing costs. In most cases, we can cover the bulk of those costs.
There is also a down payment assistance program available for buyers. The buyer does not need be a first time homebuyer for this program.
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Tue Nov 11, 2014
Hot Buyer answered:
Check free real estate information website such as for a free property report. You can see if the notice of default has been filled or any lien or judgement on the title of the property ... more
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Thu Nov 6, 2014
Mark Leach answered:
I am just realizing that we will probably have to file for bankruptcy. Will I be able to keep my home if I file for bankruptcy? The home is mortgaged so I am assuming that I won't be able to keep it. Is there a professional that I consult about this?
mark Leach |
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0 votes 11 answers Share Flag
Thu Oct 30, 2014
Hi Wilfredo, You definitely want to call your loan servicer (where you send your payments).
They will, most likely, refer you to the loss mitigation department. This department will work with you to set up a payment plan to make up the back payments, etc.
Whatever you do, do it quickly. There are less foreclosures these days and with your area being very desirable area in which to live, the bank will work to foreclose quickly.
Time is of the essence for you. Call your lender now!!
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0 votes 6 answers Share Flag
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