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Saturday, February 04, 2012 11:09 AM

Homes For Sale in Stockton: A Decline in Foreclosures

Foreclosures comprise approximately 20 percent of homes for sale that closed escrow in the third quarter according to RealtyTrac a leading reporting company in the U.S. There has been a notable decline from the third quarter of 2010 when foreclosures
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Thursday, January 05, 2012 5:20 AM

Homes-in-Stockton: Short Sales a Buying a New Home

Short Sales Can Benefit You When It’s time to Buy a New Home: Recently Fannie Mae has adopted policies loans associated to the time that is necessary before borrowers can show they have reestablished a satisfactory credit history after a short sale
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Wednesday, January 04, 2012 4:14 AM

Homes in Stockton: Short Sales and Your Tax Burden

My team recently received the following e-mail from a homeowner in Stockton: “ My wife and I are underwater in our mortgage we have not made payments in 3 months, I recently was cut back on my hours at work and it looks like I may lose my job. My
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Tuesday, January 03, 2012 5:25 AM

Homes in Stockton: Seller Financing for Home Loans

**Please leave a Comment Seller financing is difficult to find but it is out there and we don’t find a lot of this type financing available in Stockton. The seller assists the potential buyer in purchasing the home by lending the buyer either a
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Saturday, December 31, 2011 5:59 AM

Homes-in-Stockton: Judicial and Non-Judicial Foreclosures

The Foreclosure Process in California: Mortgage lenders in California may foreclose on deeds of trusts or mortgages in default using either a judicial or non-judicial foreclosure process. It’s important to know the difference. Most home owners with
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Friday, December 30, 2011 3:31 AM

Homes in Stockton: Short Sales and The Debt Relief Act

2012 is rapidly approaching and many of our clients and homeowners in Stockton and Lodi are thinking of taxes. The good news for those home owners that are short selling their homes is they still have until December 31 st 2012 to take advantage of the
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 1 Comments
Wednesday, December 28, 2011 3:01 AM

Short Sales and Homes in Stockton: Does Bank of America or Wells Fargo Own Your Mortgage?

One of the important consideratons in doing a short sale is who is the actual investor. Just because Bank of America, Wachovia, Wells Fargo or Chases name is on you monthly mortgage statement doesn't mean they own the loan. This is important for you
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Monday, December 26, 2011 4:50 AM

Homes in Stockton: What is a Short Sale

A short sale is a sale of real estate in which the proceeds from selling the property will fall short of the balance of debts secured by liens against the property. In addition, the property owner cannot afford or chooses not to repay the liens full amounts.
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Thursday, December 22, 2011 7:34 AM

Homes in Stockton: Stay or Short Sell My Home, Short Sales in Stockton

Short selling your home can be a frustrating, confusing and a difficult decision to make. The Xpress Short Sale Group at PMZ Real Estate hopes that these results can assist you in making the best financial decision for you and your family. Over 75% of
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Thursday, December 22, 2011 5:01 AM

Homes in Stockton: How Does a Short Sale Affect Your Credit?

This question is asked very frequently by my clients with Homes in Stockton and involves a number of unique variables. The first thing to keep in mind is that the moment you are 30+ days behind on your mortgage payment, your mortgage lender has the right
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Tuesday, December 20, 2011 7:00 AM

Homes in Stockton: Why Would a Bank Say Yes to A Short Sale

With foreclosures on the rise in the US, banks are looking for any way they can to minimize their foreclosure losses. It more cost effective for your lender to agree to a short sale rather foreclose on a home. Short sales and foreclosures comprise much
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Monday, December 19, 2011 5:32 AM

Homes In Stockton: Do I have to pay the difference between what my house sells for and the amount I owe

Distressed homes in Stockton are the majority of homes listed for sale on the MLS and short sales have proved to be the answer for many homeowners. The question we get asked most often is, do I have to pay the difference between what my house sells for
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Monday, December 12, 2011 7:00 AM

Homes in Stockton: Short Sale and You

A real estate short sale is sometimes a complex transaction and an emotional one for both buyer and seller and requires a real estate team that is experienced and pays attention to detail. There are many ways to lose a home but signing away ownership
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
Wednesday, December 07, 2011 4:42 AM

Homes in Stockton: How to Write a Hardship Letter for a Short Sale

Before your lender will approve short sale or a loan modification the bank will ask to see your hardship letter. What is a hardship letter and how do you write it? It must be in your own words and describe the circumstances of you hardship. Medical situations,
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 1 Comments
Wednesday, November 30, 2011 6:45 AM

Avoiding Foreclosure and Your Options in the Stockton and Lodi Real Estate Market

It is very likely that you or someone you know in in Stockton or Lodi is facing the possibility of foreclosure. You are not alone. Today, the sad statistics are that1 out of every 6 homeowners in the United States is behind on mortgage payments and 1
Posted by Hugh Lilly and Maria Estrada at PMZ Real Estate | 0 Comments
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