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Foreclosure in Victorville : Real Estate Advice

  • All314
  • Local Info32
  • Home Buying93
  • Home Selling9
  • Market Conditions18

Activity 14
Wed Aug 3, 2016
Sheryl Arndt answered:
You may qualify to buy one day after a short sale, foreclosure or deed in lieu with 20% down and minimum 660 fico score. Unfortunately if you were behind on payments for 3-4 months it would still be considered a foreclosure unless under special circumstances.

It only takes a few dozen questions to qualify and go over your options. 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
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7 or
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Tue Oct 21, 2014
Alexander Greer answered:
What are you asking?

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 Oct 19, 2012
inna ivchenko answered:
what did you choose back then?

Fair Isaac released a report that says credit scores are affected about the same, whether a seller does a short sale or foreclosure. Fair Issac says the average points lost on a FICO score are as follows:

30 days late: 40 to 110 points
90 days late: 70 to 135 points
Foreclosure, short sale or deed-in-lieu: 85 to 160
Bankruptcy: 130 to 240

Almost the same damage....but SS is gong away much sooner form your credit.
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0 votes 9 answers Share Flag
Thu Oct 18, 2012
inna ivchenko answered:
Sounds VERY wrong.....!

I hope, you brought RE attorney in.
now, it is probably too late, but if you need one, let me know.
0 votes 6 answers Share Flag
Sat Sep 15, 2012
Lynda Thomasson answered:
Hi Donna,

If the Notice of Default has been filed, the bank is obligated to send this to you certified. You will receive several in the mail and it should be posted to your property. If you would like to send the address I can pull it from title and send it to you by email.

Please let me know if I can help,
Lynda Thomasson
DRE #01516092
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0 votes 3 answers Share Flag
Thu Aug 2, 2012
Brandy Garner answered:
I live in Victorville also. As a military family, we have lived in many places. Everywhere you go, there are some good neighborhoods and some that you would probably prefer to avoid. Keep in mind too, you probably only hear about the negative things that happen and most likely very little about the good things that do. I try to share the positive news on my FB page whenever I can.
A good resource to check an area is CRIMEMAPPING.COM. You can look up stats in a particular area there.
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Mon Jul 9, 2012
Bo Goulet, broker answered:

I'll agree with Catherine. The Making Home Affordable website offers a lot of information regarding all of the issues you mentioned you are currently enduring. You can find the website at:

Additionally, Call 888-995-HOPE (4673) to speak with an expert about your individual situation.

Bo Goulet, cdpe
Certified Distressed Property Expert
DRE #01854568
Shear Realty-Spring Valley Lake
12170 Spring Valley Pkwy.
Victorville, CA 92395
Mobile: (760) 713-6137
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Wed Nov 30, 2011
Garrigus Real Estate answered:
I would start with single family units or manufactured units. There are many income rental opportunities in Apple Valley right now.
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Mon Jul 11, 2011
gabriel palotas answered:
I listen to most advice but act on a few. I will take credit for all right decisions but blame others for the wrong ones. Life is a beautiful thing like a bowl of cherries so what I am doing in the pits?

Make your own decisions and be prepared to live with them.
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0 votes 7 answers Share Flag
Mon Jul 11, 2011
gabriel palotas answered:
If the house you saw six months ago is still on the market yet with an other downward adjustment in price should be a graphic indication that foreclosures create an increase in the downward trend in prices yet with fewer projected sales in foreclosures thus incredible opportunity for those that are ready to buy.
Inflation has effected every commodity with the exception of home prices.What’s wrong with the picture?
Let me draw you a graph.
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Mon Jul 11, 2011
gabriel palotas answered:
Do banks go after people to get what they can? You bet your sweet you know what.
0 votes 3 answers Share Flag
Mon Jul 11, 2011
gabriel palotas answered:
Your question reminds me of a girl that wanted to get married and asked me if I was interested? I said maybe.
0 votes 6 answers Share Flag
Mon Jul 11, 2011
gabriel palotas answered:
Wed Mar 24, 2010
Outsicktoday answered:
My hopes are low. All I want is a renter that will pay long enough for the market to come back to even. I advertized it with a sign Monday, and showed it already Tuesday to a family that already wants it. They want to sign a lease and do a deposit. Sounds like a deal to me. I'm not trying to be a tycoon.

Then BofA comes out with the principal writedown on $45,000 homes. Big deal, that amount would not help California, Florida or Nevada, let alone the rest of the country. That amounts to less than 1,000 reductions per state. Then you have to still qualify under the HAMP guidelines.

So really I should have purchased more than I could afford, not paid and then my prinicpal could have been reduced. Instead I make my payments, purchased within my means, and agonize about renting it hoping to avoid a foreclosure.

This is why my sense of what;s right and wrong does not apply in the context of economics. The bank looks at the bottom line, in terms of what results in the most $$$$ and they do that. Emotions about what they think about their lenders, what they think is fair are not considered. Borrowers that spend time worrying about these things end up at a disadvantage.

The banks fit the bill, they qualify for the diagnosis of Anisocial Personality Disorder. All corporations do. They are designed to run that way and by law have to function that way.
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Foreclosure in Victorville Zip Codes