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Foreclosure in San Diego County : Real Estate Advice

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  • Home Buying186
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Activity 328
Tue Apr 16, 2013
Cory La Scala answered:
I'm wondering why you didn't just ask the seller where the written disclosure is, if you already knew about the mold from your conversation together. If you knew about it, you could have asked the Seller to repair the damage and the issue that caused it. Read your contract. The answers you're looking for should be spelled out in the contract you agreed to. What is your agent saying? You never mentioned whether escrow already closed, or if you're still in your inspection and reports contingency period. I'd talk to your agent, that's what you hire them for. ... more
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Thu Apr 11, 2013
Kevin Sanderlin answered:
Hello,
It's actually just 14 days notice that is needed. So, if they have given you 14 days notice and you have a trustee sale date coming up, you do not have much time to figure out your options.
With such limited time to work with, every hour that passes is one more hour closer to your property being foreclosed. I specialize in helping people delay trustee sale dates even with very little time left. If you contact me directly, I can meet you tomorrow with all of the documents needed to try to get your trustee sale date postponed. No cost to you for my services.

Kevin Sanderlin
Keller Williams Realty
Cell 858-212-4702
kevinsanderlin@gmail.com
... more
0 votes 4 answers Share Flag
Wed Apr 3, 2013
svw2727 asked:
"Credit Crisis".) We paid her $3,000 for her services so far.
We had a sale date of 3/28 & got "junk mail" stating it sold @ that day @ 10 am. It "reverted ...
0 votes 2 answers Share Flag
Wed Apr 3, 2013
Cindy Davis answered:
Hi Jeffrey,

I wish you luck. I don't know if your approach will get you what you want. There are hundreds of groups doing this throughout San Diego County. Most folks seem to do best by buying at trustee sales.

Take are.
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Wed Sep 11, 2013
Alison Hillman answered:
You can contact the listing agent who will be able to help you learn more about that specific property (and probably will know a lot about similar properties in the area). To find an agent, just click on the yellow button on the property's Trulia listing and you will be able to start a dialogue.

Please let me know if you have any questions or if I can help with anything else. I am happy to be a resource for you. Good luck with the search!

Best,
Ali, Trulia Voices Community Manager
... more
0 votes 3 answers Share Flag
Fri Apr 5, 2013
Alison Hillman answered:
You can contact the listing agent who will be able to help you learn more about that specific property (and probably will know a lot about similar properties in the area). To find an agent, just click on the yellow button on the property's Trulia listing and you will be able to start a dialogue.

Please let me know if you have any questions or if I can help with anything else. I am happy to be a resource for you. Good luck with the search!

Best,
Ali, Trulia Voices Community Manager
... more
0 votes 1 answer Share Flag
Sat Feb 23, 2013
Paul Garrett answered:
mudhafar tawfeeq, this is mr paul garrett with socalrealtors you where asking if a property is still aval, which one are you asking about I have several if you give me an address I can look it up and I need your full name and I good way to contact you prefer phone # and email, my properties go quick so let me know what your looking at and I can answer you back faster.
thank you, my cell is 619 917-7093.
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0 votes 6 answers Share Flag
Thu Jun 20, 2013
Robert Boerner answered:
Assuming the property is in San Diego County, I would suggest you go to the county's webpage and see if a recent Notice of Default has been filed.

http://arcc.co.san-diego.ca.us/services/grantorgrantee/search.aspx

(Make sure you search by the name that is on your Deed of Trust/mortgage document).

A call to your mortgage company would be worthwhile too.
... more
0 votes 10 answers Share Flag
Thu Jun 27, 2013
Chad Basinger answered:
Hello sdiegoec,

I'm pretty good at reading minds, but this one has me stumped. What, specifically, are you wanting to know?

Thanks
0 votes 8 answers Share Flag
Wed Feb 6, 2013
Daniel Lehman answered:
There is no specific answer, because it depends on what type of financing you would be doing...

If you were planning on going conventional, you would have to wait 7 years before buying a new home, or doing a new loan.

If FHA, its a 2 year waiting period, and if you are a veteran, VA will allow you to buy after 2 years...

If any agents, or anyone else for that matter wants a chart that shows the waiting times for VA, FHA, USDA, and Conventional with foreclosures, Chapter 7BK, Chapter 13 BK, and short sale, drop me an email and I will forward it over...

daniel.lehman@wjbradley.com

Thanks!
... more
0 votes 6 answers Share Flag
Sun Jan 6, 2013
Bill Hays answered:
If I was you, I would be talking directly to your landlord's real estate agent and get regular updates. An accepted offer can (but not always) delay the sale, but there are a lot of variables including the amount of the offer and the capability of the short sale negotiator. You want to know what the terms of the offer are as they relate to you. Is this an investor offer or a family who plans to move in?

You also might consider negotiating with your landlord on the rent side. If you walk, your landlord has a bit of a problem unless your place is super nice and move-in ready. A vacant house is not a good thing for a landlord - you are an asset. The question becomes why should you pay rent if they aren't paying the mortgage? You can leverage your value by talking to them about a reduced rate for the value of your tenancy. I let a tenant stay 10 months free just so my listing wasn't vacant and so it would be taken care of. It worked nicely and I didn't have to deal with squatters. The bank wanted to know if my seller was collecting rent anyways, and guess what, the bank would have taken it if we were collecting rent.

Bottom line, do things on your terms. In other words, if you can't get a discount on rent - your future is clear, you are moving out sooner rather than later. Don't wait - start looking now and get a new place when you aren't in a pinch to do so.

If you contact me directly, I am happy to keep tabs on the bank sale dates and let you know when I see extensions being granted. Either way, if it does sell on the 25th, you are not kicked out. You still have your rights as a tenant and as Jim said on your other thread, you may be able to negotiate some cash from the bank to move sooner rather than later - but again, moving in your time on your terms is the more prudent approach.

Good Luck!

BeachBrokerBill
CA DRE 01775528
... more
0 votes 7 answers Share Flag
Wed Jan 9, 2013
Jim Fishinger answered:
If you have a lease you are protected and can stay out your lease term regardless of who the owner is. You will need to pay rent to the bank if they acquire the property. They will probably offer to pay you money to leave, to allow them to market the property sooner. They call it "cash for keys" The amount can be negotiated. ... more
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Thu Oct 11, 2012
Jason Kardos answered:
Hi Bill,
Have you received any trustee sale notices? It should have a trustee number on it and a website or 1-800 number that you can call and verify.

If you don't have that, you should call your lender and ask for the number to the trustee company that you can call directly as well. Let me know if you need any other help and/or if you want to call me or give me your address and we can do a conference call with your lender as well.

Warmly,

Jason Kardos, Real Estate Broker/Owner
Office (619) 303-2826
Fax (619) 270-2595
www.JasonKardos.info
Lic# 01324429
... more
0 votes 4 answers Share Flag
Thu Aug 13, 2015
Cindy Davis answered:
Not legally., What IS common is for the listing agent to require that you get 'pre-qualified' with their preferred lender. That is their way of making doubly sure that the buyer has a legitimate loan approval.

If someone actually insists, in writing that you must use their lender, report that agent to their broker as well as the California Department of Real Estate.
... more
0 votes 5 answers Share Flag
Thu Sep 13, 2012
Jessica Tracy answered:
There are USDA 100% financing loans and FHA loans where you can finance your down payment. You would need to talk to your bank or a mortgage broker to see what programs you can quailify for.

Just remember, even if you obtain 100% financing you still need to consider your closing costs, home inspection fees, appraisal, home owners insurance, and taxes into your budget so that you are able to purchase.

Good luck!
... more
0 votes 6 answers Share Flag
Tue Sep 18, 2012
Chris Melingonis answered:
Hi Cindy,

Yes it is but it all depends on what TYPE of loan you qualify for. That is the most important thing to find out BEFORE begining your home search. It will dictate what kind of properties you can target. If you'd like more info, please contact me and I can point you in the right direction.
Getting all your ducks in a row before your home search will allow you to be competative in a market that typically sees multiple offers on desirable properties within the first couple days they are active. Hope this helps...

chris@middletonandassociates.com

Chris Melingonis
... more
0 votes 10 answers Share Flag
Wed Sep 12, 2012
Joseph Domino answered:
It is highly unlikely. Even if the owner has not completed the foreclosure process they will likely need a lot of cash to redeem the loan. They likely owe more than the home is worth, so you would be overpaying for the home. Then you would have to trust then to continue to make the payments.

Find a home that has no mortgage and do a seller carryback.
... more
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Mon Sep 3, 2012
Della Wells answered:
I think the home you are asking about is 3672 Katie Lendre, correct? The HOA fee indicated is $260 per month. The multiple listing service shows that home has an accepted offer that is subject to the lien holder approving the transaction. There is an auction date scheduled for Sept 7th with an min opening bid of $235,000. The judgement amount is $568,829. Since there is a short sale transaction ungoing, that auction date might be postponed. Is there anything else I can do to assist you? ... more
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Sat Aug 11, 2012
Kevin Sanderlin answered:
Most likely, your lease agreement converts to a month to month after the lease expired in April. IF this assumption is correct, you still have to pay your monhtly rent even if the home owner is in default on their loan. In other words, your contract is between you and owner and the home being in default is not related to your rental lease. You will be responsible for abiding by your rental contract for as long as the owner owns the home.

Kevin Sanderlin
Keller Williams Realty
Cell 858-212-4702
kevin@kevinsanderlin.com
... more
0 votes 7 answers Share Flag
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