Archive for April, 2008

Home Valuation Code of Conduct (HVCC)

Tuesday, April 29th, 2008

Lawmakers in Washington are considering a law that will change how appraisers interact with lenders and agents. It seems that during this time of distress every lawmaker wants to look like they are doing something without really addressing the problem. What does that mean? Law makers are ...

5 Steps to improve your Credit

Monday, April 28th, 2008

A lot of homeowners have the mind set that making payments on time automatically equates to good credit and credit scores. Unfortunately, this couldn't be further from the truth. While paying your bills on time accounts for a large portion of your credit score, there's still a lot more to it. In ...

Foreclosure List – Orange County, Los Angeles, Riverside and San Bernardino

Monday, April 28th, 2008

Free Foreclosure lists for the following areas: Orange County Notice of Default Notice of Trustee Sale Los Angeles Riverside San Bernardino Note: An updated list for foreclosure properties has been posted.  See link below. Updated List May 5, 2008

FHA Loan – Debt to Income Ratios

Sunday, April 27th, 2008

With lax lending practices during the past decade, FHA loans became almost non-existent. Those times have come to a screeching halt and as the mortgage melt-down continues and conventional loan programs continue to be eliminated, borrowers are turning more and more to FHA loans since they are practically the ...

California Foreclosure Procedure

Friday, April 25th, 2008

Judicial Foreclosure Available: Yes Non-judicial Foreclosure Available: Yes Non-judicial Sale Typically, a title insurance company is named as the trustee to arrange the sale of the real estate. California is famous for its one-action rule, in which a lender must carefully elect one action to take against the borrower if the ...

Hawaii Foreclosure Procedure

Friday, April 25th, 2008

Judicial Foreclosure Available: Yes Non judicial Foreclosure Available: Yes Foreclosure in Hawaii takes one of two forms: (1) judicial foreclosure by a lawsuit much like any other lawsuit or (2) sale under a power of sale clause in the mortgage. Preferred Method: Judicial foreclosure is the preferred method in Hawaii . Although ...

California Foreclosure Market Statistics – By County

Friday, April 25th, 2008

California Foreclosure Market Statistics COUNTY: ALAMEDA HOUSEHOLDS: 556,474 2006 TOTAL: 3,565 Jan-07 Feb-07 Mar-07 Apr-07 436 367 617 418 May-07 Jun-07 Jul-07 Aug-07 627 433 750 832 Sep-07 Oct-07 Nov-07 Dec-07 726 1,313 1,084 1274 Jan-08 Feb-08 March-08 1,469 1,320 1,635 12 MONTH TOTAL: 12,498 PER HOUSEHOLD: 2.25% MONTHLY CHANGE: 23.86% YEARLY CHANGE: 164.99% COUNTY: CONTRA COSTA HOUSEHOLDS: 383,328 2006 TOTAL: 3,738 Jan-07 Feb-07 ...

Real Estate Market Update

Thursday, April 24th, 2008

Real Estate Market Update: The real estate market experienced a slight increase in sales in February, largely due to the battered housing market. National Association of Realtors report that February was the first month-to-month rise of the annualized pace since last July. The median price of a single family home sold ...

How Hawaii is Arranged

Wednesday, April 23rd, 2008

Hawaii has a numbering system for properties that is used by the Tax Assessment Office called a tax map key or TMK for short. These numbers range from 111 to 199 and covers all of Oahu. Each property has a unique TMK. Many mls systems use this key as ...

Free List of Hawaii Foreclosures

Saturday, April 19th, 2008

Amount Street Address City $383,600 454 Oneawa St Kailua $39,800 1243 Ala Alii St # 131 Honolulu $360,000 1320 Alexander St # 701 Honolulu $145,000 1441 Kaumualii St # E337 Honolulu N/A 1673 Paula Dr Honolulu $584,000 317 Puuhue Pl Honolulu N/A 91-621 Kilaha St # 42 Ewa Beach N/A 75 Oneo Way # ALA Kailua Kona N/A 91 Kaipu St Ewa Beach N/A 68 Kupunahine St Waikoloa Village N/A 94 Halelehua St Waipahu N/A 14 Nanawale Blvd Pahoa N/A 94 Hokuala Pl Mililani Town N/A 91 Oaniani St Kapolei N/A 98 Hookanike St Pearl ...