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Foreclosure in Stanislaus County : Real Estate Advice

  • All14
  • Local Info1
  • Home Buying5
  • Home Selling0
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Activity 72
Wed Mar 22, 2017
Rebecca.rios2535 asked:
Received blank FIRPTA and SSD asking for my signature. I understand with an REO there is really nothing to disclose; however, I believe the disclosures should still be completed to the…
0 votes 0 Answers Share Flag
Tue Feb 7, 2017
Gbertolosso asked:
The property owners attorney made it sound like I was purchasing the home from them. The judge told me that I could try to sell my home before the eviction date. The property owner blocked…
0 votes 0 Answers Share Flag
Tue Aug 18, 2015
Paolarileyi answered:
It should state the date on the paperwork you received. It should also give you the beneficary and a phone number you can call to get the status and the dates. I hope this helps. http://ForeclosureIQ.com ... more
1 vote 7 answers Share Flag
Thu May 21, 2015
Lanijane3 asked:
How much would it cost to do a 13 acre foreclosure trashout that is jam packed with garbage of every kind
0 votes 0 Answers Share Flag
Mon Apr 20, 2015
Sheryl Arndt answered:
Hello zulema2009, you will need to be pre-approved if you decide to buy to be able to meet an agent to view and submit offers on any homes of your choice. Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, home price, loan program and how much you want to invest into the down payment and closing costs.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve you can be emailed listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

The foreclosures are pretty slim as most homes for sale are standard sale currently. The purchase in Oakdale start from 135k for 2bd 1ba single family home which is as low as Zero down payment with a minimum 580 fico score @135k for a primary residence purchase.

You may qualify to buy FHA with fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program. The city of Oakdale is eligible for the USDA Rural zero down payment program. You may consider 3% down conventional from a minimum 620 fico score. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt

If my response was helpful, consider clicking Thank, Link or Best Answer.
... more
0 votes 2 answers Share Flag
Fri Mar 20, 2015
Diane Lowe answered:
Be very careful when you purchase one of their homes. Ask for the JKB Living Homeowners Manual. We were not given this material until we had signed the final paperwork and owned the home. We have now lived in the house approximately 10 months and having all sorts of problems. Some of that will be very costly over time and others are just bad construction. The most costly is the cabinetry but the list goes on to include the cabinet hinges that continuely come apart which eventually leaves you with doors that will not close, chaulking the in bathrooms that did not last seven months. The electrical outlets where only one out of the two plugs work, broken fence pickets that were suppose to be replaced, weather strippng that either tore or came off, gaps in the base board behind the toilets, jagged cuts in the seams of the counter tops. Some of which were our fault for not catching on the final walk through. I sent in the paperwork for the bigger problems and their customer service department did not even bother to respond to me. Which is what the procedure is suppose to be according to their paperwork.
Before we moved in we had to have the cabinet doors replaced because there was a fine line where the stain had not covered on the inside corners of the molding on the doors. They called that blowback. Within 2 days of receiving the new doors a door in our masterbath finish on the top of the door started peeling off. As the months went on I had three doors that cracked and the finished peeled off. When I looked at the warranty to see what to do it stats that "Doors, molding, and cabinets are subject to shrinkage, twisting, fading and brittleness as a results of weather changes,drying and exposure to sunlight. Such damage is not a result of the quality of the products, material or construction. I filed a request for repair in January after only living here 7 months and their response is that the chipping and peeling is due to water damage and therefore our problem and repairs are to be paid by us.

I would not buy another house from this company again because it is obvious that they do not stand behind their products.
... more
0 votes 6 answers Share Flag
Fri Mar 20, 2015
Sheryl Arndt answered:
Hello Gwen, it only takes a few dozen questions to qualify and go over your options. I am also a Veteran and love assisting Veterans. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt

If my response was helpful, consider clicking Thank or Link.
... more
0 votes 3 answers Share Flag
Fri Mar 20, 2015
Sheryl Arndt answered:
Hello jdelash, you did not include an address or link to know what address you are inquiring about? If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve and you can be emailed listings to fit your search criteria.

If you have credit issues, your credit scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary. It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt

If my response was helpful, consider clicking thumbs up or Best Answer!
... more
0 votes 2 answers Share Flag
Thu Oct 2, 2014
Sam Shueh answered:
Sun Apr 20, 2014
Rick McGrath answered:
There are several local websites that can provide you information on a daily basis. You can also visit my website at www.mcgrathaguirre.com. Like any area there seems to always be a certain amount of crime. Many times it is petty. ... more
0 votes 4 answers Share Flag
Sat Jan 4, 2014
Rocky G.H. Hawrysz answered:
Many homes come up like this on Trulia or other websites. These are home owners that may have fallen behind on their payments. Tax records are marked as such and websites publish with (no address) discretion so that home owners are not directly impacted or disturbed. At the end of the day, there is no advantage knowing, as all banks will either bring the home to auction, market or sell as part of a portfolio package to another lender in order to obtain the highest offer from a marketplace of individuals. However, from a home owner perspective there may be an advantage, but ultimatley the loan will have to be delt with.

Let me know if you have any additional questions, with regard to Pre-Foreclosure homes.

I hope this helps,

Rocky

Rocky G.H. Hawrysz
Broker Associate, Realtor
CRS, GRI, SFR, ABR, SRES, e-Pro
Prudential California Realty
O: (209) 444-6610
F: (209) 433-2000
M: (209) 915-6209
rocky@prucalifornia.com http://www.TeamHawrysz.com
Lic.#01468373

Without Question, Committed to Your Success!
... more
0 votes 1 answer Share Flag
Tue Nov 5, 2013
JR Thrasher answered:
I recently wrote a blog about finding foreclosed homes on Trulia. I'll put a link to it in the web reference below. That should answer all of your questions.

J.R. Thrasher
www.SanDiegoRealEstateVeterans.com
619-929-0105
... more
0 votes 4 answers Share Flag
Wed Sep 11, 2013
JR Thrasher answered:
I wrote a blog about "Finding Foreclosed Homes on Trulia" just last week. I'll put a link in the web reference. That should answer all of your questions.

J.R. Thrasher
www.SanDiegoRealEstateVeterans.com
619-929-0105
... more
0 votes 1 answer Share Flag
Mon Aug 26, 2013
Sweetladyca1 answered:
Every time I have tried to talk with my lender they have been snotty and condensating , talking down to me ,being less than civil to me
0 votes 9 answers Share Flag
Wed Aug 14, 2013
Tracy Smith answered:
I just hate it when people answer a question without reading or understanding what exactly is being asked! He/She clearly stated that the addition was DETACHED from the main home! I would believe if the home is still in their name that they should be able to remove whatever they please. I also though would consult an attorney just to protect myself. ... more
0 votes 4 answers Share Flag
Wed Aug 14, 2013
Patty Sykes answered:
Your options are to start looking for a new place to live. Unfortunately this process has a way of repeating itself. I've seen them cancel today and back in foreclosure within a few months. I watched a home in my neighborhood do this for three years. Bringing in renter after renter. Paid just enough to keep the bank off his back...for a while!
You do have some rights as a renter but ultimately, you will be vacated. Did the trustee mention any incentives to stay? Like Cash for Keys? Banks now realize that having someone in the home is a better alternative to a vacant property. Do you know which bank is looking to foreclose? Talk to the trustee and see if you can get any answers.
I'm really sorry for your situation. One suggestion when looking for a new rental, ASK the question...Are you looking at foreclosure?? It's one thing if a landlord doesn't say anything, another if they straight out lie. Unfortunately we have some shady people in this world and your current landlord is one of them.
... more
0 votes 4 answers Share Flag
Tue Jul 30, 2013
Ron Thomas answered:
Yes, seven to ten years from now, your house will be worth more.
1 vote 8 answers Share Flag
Mon Jul 8, 2013
K.sedra asked:
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