Probably not a good idea to post your phone number. This world is full of crazy people. Your county records department has a database of properties showing when the NED was filed. (Notice of Election & Demand).... more
ON YOUR FORECLOSURE DOCUMENTS, THERE SHOULD BE A PHONE NUMBER TO THE TRUSTEES. THE TRUSTEE IS THE ONE IN CHARGE OF SELLING YOUR HOUSE. THEY SHOULD EASILY UPDATE YOU ON A NEW SALE DATE IF IT WAS POSTPONE.
Hi Dan, I'm only seeing your response now. I did do inspections, $1500 worth, which I thought was enough. As I've now moved in, the list gets longer and longer; from my brand new dishwasher actually being 12 years old, pouring cement into the plumbing; to cutting the wires coming into the house (apparently much cheaper than rewiring phone and cable lines- the list goes on and on.
I am trying to fix the items, but with a fixed excess cash flow which has now disappeared, there has to be a way to warn people about buying a property from this guy. I'm infuriated ......... more
Portola M.S. is a great school, my Daughter attends this school, the kids are great. It is an open enrollment school. Its hidden in a residential area with small streets. You will not see any gang activity near this school. Rafael Ordaz... more
what is your question? Expand so we can give you a useful answer?
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get to know me better and learn about my experience, expertise, services available and letters of recommendation of former clients..... Also you can sign up on my site to search for properties in my expanded service area. HAVE THE MOST WONDERFUL DAY :)... more
The answer to your question is dependent on trying a short sale verses a foreclosure and knowing the difference between the two. Usually with a shortsale your turn around time is much shorter to purchase again- 2 years, with a foreclosure the time period is 5 to 7 years. Speak with an attorney and a certified publlic accountant.
Susan Penn, PA, SFR
2000 Main Street
Weston, FL 33326... more
NO, NACA is not a scam. It takes time to go through the process. They look at what you can afford based on all of your bills and monthly expenses. They want you to be a sucessful homeowner. I am almost complete with the process. Of course other mortgage brokers are going to tell you differently because they want you to go through them.
I always tell people, it cost nothing to go to one of there seminars to get the information. Then make the choice yourself. You will be doing yourself a favor.
No you do not have to go into their office all the time. I started this process in Aug last year and have been to the office 2 times for my appointment.... more
What stage of foreclosure. If you are now the true owner of the property and you have at least 7 days before that sale date you MAY have options.
1) you can bring cash to the table to cure the default any time before 5 days before the sale date.
2) You may be able to negotiate a forebearance with the lender explaining the situation.
3) If your plannin on occupying the residence and the home fits the criteria of HAMP I would immediately submit a loan modification package.
1) Loan balance when loan was originated needs to be $729,950
2) owner occupied
3) loan was originated before 1/1/09
4) total payment of the FIRST loan including principal interest taxes insurance and hoa is more than 31% of your gross.
If you meet all 4 of above you may be eligable for the Making Home affordable modificaiton which offers you protection. However this is not typically the only mod servicers/lenders offer.
If you submit your complete package 7 days before the sale date the lender / servicer to review you for a mod.
This of course can be done on your own but I do suggest using an experienced Law Firm.
The lender does work differently with a Law Firm then they do with an owner.
Legal Assistant / Realtor
Volo law Group / Legal Realty
It sounds like a mortgage broker that is looking for money, but he is doing it in a little bit shady way.
For pre approval you don't need to pay anything, but you do need to pay processing fee at closing of the loan.
This mortgage broker have found two innocent borrowers and he takes adventage of them to make quick buck, don't fall in that trap.
You can good deals out there from banks and the government, he is not the only broker out there that can help you, you can find thousands of agents out there.
Let me give you the source that all real estate agents use to look at properties that are on the market.
Click the link below, its 100% free for you to use.