How can I find out if the house I am renting is in foreclosure?

Asked by Cathy, Concord, CA Mon Oct 24, 2011

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Hot Buyer, Home Buyer, San Francisco, CA
Tue Nov 11, 2014
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
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1 vote
The website offering the property report that has more details on the foreclosure, lien and judgement on the title of a house.
Flag Tue Nov 11, 2014
Suzanne MacD…, Agent, Morristown, NJ
Tue Oct 25, 2011
The County will have the answer, as some of the other agents have indicated already. If you find out your house IS in foreclosure, don't panic. First find out what your legal rights and obligations are as a renter. In New Jersey that information is publisehd online by our state Department of Community Affairs. Your landlord may be attempting to modify his loan, or he may have brought the mortgage up to date and is waiting for the notice of default to be cancelled. You need to know all the facts before taking action and then you need to make sure the action you take is appropriate and legal. Again, in NJ you have to continue paying the rent to the current owner until ownership changes hands, either at the short sale closing or when the bank takes the property back. And your security deposit must, by law, (again I am speaking of New Jersey) be transferred to the new owner, be it an individual owner or the bank.

Just be sure you are doing the right thing. Best of luck to you. I am sure any of these fine realtors from California will be able to assist and advise you.
0 votes
Johnny Huang,…, Agent, Walnut Creek, CA
Mon Oct 24, 2011
Are you still sending in your rent of the house to the owner?
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Scott Urschel, Agent, Newport Beach, CA
Mon Oct 24, 2011
Cathy, A notice of default (NOD) is recorded at the county recorder’s office when a property is in default in California. You can just go down there and look up your address to see if there are any notices. Most realtors have access to this information online. Send me an email with your address and I check for you. Scott
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Eric Rotsten, Agent, Concord, CA
Mon Oct 24, 2011
There are a few things that will indicate the home is in foreclosure. The first step in the foreclosure process in California is when the lender files a "notice of default" on the property. This is an officially recorded document and a matter of public record. You can find out if one has been filed on your property by going down to the county recorder's office and checking. (For Concord, the county recorder's office is in Martinez). It's free to check the public records. The notice of default is generally filed when the owner is delinquent on the loan payments for at least 3 months. Eventually you will probably see notices posted on your door from someone (or service) associated with the foreclosure process. Once the notice of default has been filed, an actual foreclosure sale can happen in as short as 4 months. If the property is foreclosed, you will probably be offered a cash payment by the foreclosing bank to vacate the property. Feel free to contact me for more information. My office is in Concord (925-676-7676)
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MLSUnlimited, , Dallas, TX
Mon Oct 24, 2011
Unfortunately there is no way of finding out until you get served papers by the bank. A foreclosure would be a nightmare for renters, and it is worse for those on lease to own contract. If you are renter and you are concerned about your security deposit, you usually have 1 or 2 months to vacate the house. And a lot of banks offer "cash for keys" as an incentive for renters to move out. Check your landlord's credit history report is also an option.

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