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d****2
发帖数: 6250 | 4 很老实的老美？oxymoron阿，根本不可能，否则是不是已经从房子里套现一百万拉？ |
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o**********7
发帖数: 242 | 5 补充一下信息：房主二月份9万forclose买进，八月要价469K,现在降到459K。应该是
flipper吧。
主要是他并没有把房子整好-窗子地板房顶都还是旧的，bathroom shower很shabby... |
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m********n
发帖数: 782 | 6 makes more sense now. What was the forclosure price?
Without updates, why would you even consider buying a forclosed house at a
non-forclosure price? Just because of its prime location? |
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T*********e
发帖数: 9208 | 7 ok, that's good for him.
but i mean why he want to pay 4.5w to shortsale instead of forclose it. he i
s going to get hit hard on credit anyway. |
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s****e
发帖数: 50 | 8 看中一个townhouse（2005,3b+3b), 在west Los Angeles，forclosed, bank拥有，sold as is,no repair.开始要价约62万。我们请的老美代理一开始就让我们出银行的开价，感觉不为我们着想。我们还价59万，两个来回后，银行答应我们的offer--597，000
However, they are firm on the price even if the appraisal should come in
lower than that figure.
If the appraisal comes in lower you have two choices.
1) make up the difference in cash
2) cancel the transaction
LD很喜欢，朋友们说价格不错.可是房子上市都快三周了，到现在就我们一个offer，是不是有点奇怪？就差最后签字了，有点不放心啊，会不会有啥问题？ |
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T*********e
发帖数: 9208 | 9 there is no incentive for him to do it at all? anybody is going to pay him b
ig bucks to get his ass off the property?
from the perspective of bank, a bankrupt guy only want free rental, and woul
d never really want to sell it to anybody, so they will forclose it as soon
as they can too |
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p*******s
发帖数: 1613 | 10 bank owned means the owner defaulted on the mortgage and the bank takes it
back. forclosed should be the same.
short sale mean what the owner asks for is lower than what he owes the bank.
is it right? |
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N**s
发帖数: 1916 | 11 Nice play. 我的意见是对短卖房要痛打落水狗，反正他们在耍赖，他们被银行
forclose 了更好， 呵呵。 |
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i****a
发帖数: 36252 | 12 look up loan modification
if no help, short sale, foreclose are your options. you'll save a ton of
money by forclosing if you don't care about your credit for a few years.
drop |
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i******k
发帖数: 1078 | 13 TAX+ insurance, bankers are not stupid.
Not too many forclosed houses left. |
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w******y
发帖数: 8040 | 14 即使还没发到个人也关系不大
你要是underwater的homeowner知道政府出资能让你不用付mortgage免费住房，
只要你不现在walkaway就行,
你会选择现在卖房或forclose嘛？ |
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w**7
发帖数: 1265 | 15 ☆─────────────────────────────────────☆
daisyautumn (HELLO) 于 (Sat Jul 24 22:30:20 2010, 美东) 提到:
是不是婚后买的房子，即使只有一个人的名字，另一个人还是享有房子一半的产权，但
是由于MORTGAGE上的BORROWER也只有一个人的名字，所以，另一个人并没有付MORTGAGE
的责任？
这样的好事并不多见啊～～～:-）
多谢！！
☆─────────────────────────────────────☆
rainhard (rainhard) 于 (Sun Jul 25 00:55:15 2010, 美东) 提到:
It depends on which state you are in. In California, 50-50 is strictly
mandated for property accquired after mariage upon divorce, regardless whose
name is on the title, or who pa... 阅读全帖 |
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s***e
发帖数: 5242 | 16 在一个不错的小区， tax assessed 311k，2006年花了335k造。
状况还不错。
要价271k，3% closing costs.
还260k。
现在要268,500 + 3.5% closing costs.
大家觉得可接受么？ |
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n*******9
发帖数: 3244 | 18 hard to tell since we have no idea about your local market. on the other
hand, if you like it, go for it. |
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g*****y
发帖数: 549 | 19 两个月前，看了个short sale, 感觉房子还不错，当时叫795K，明细低于该区市价，而
且只有一个lender。为了beat其它offers，出了895K。竟然，被另一买家905K占先了，
成了第一backup。不过，lender没批905K，也没有联系我们。过了两个星期，该物业
forclosed了（欠1.1M)。只好move on，买了另一房子。今天看到该物业又上市了，是
REO。只list了836K，不知道这个lender是怎么定价？怪！ |
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b******e
发帖数: 1074 | 20 同问。有个房子forclosed了然后说有个人offer了
我如果offer就是跟人家compete是吧，会不会最后搞得比list price还高。。我本来想
捡个便宜的，看来不行了 |
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l****g
发帖数: 5080 | 21 这样的房子为什么第一个Lender 不forclose，卖个33万，自己拿29万，第二个lender
拿0，不是更清爽。难道第一个借款人没这权利？ |
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k*****a
发帖数: 7389 | 22 in manhattan, still rising
in ny, it's almost impossible to forclose a house. the average wait time to
start filing is 3 years, and the wait time to complete all current pending
foreclosure cases in court is 9 years
the heaven of flipping |
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t******r
发帖数: 232 | 23 "Do not try to cut the offer so low that not only you can't get the land but
create an enemy. That will be a lose-lose situation. Too often, people gets
too greedy in arguing cents and forget but losing dollars."
这里好像不存在强买强卖吧. 不是很明白你的逻辑, 如果有人想卖个东西给你, 你觉得
没太大用不是很想买, 就出个低价, 对方就会因此恨上你, 成了你的"敌人"? 那些买
forclosed房子的人要当心了, 小心前房主来要你的命, 谁叫你低价买了别人的东西的! |
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m****t
发帖数: 412 | 24 第一次买房子，买CLEAN-TITLE的正常的房子，现在这个MARKET,大部分的房子出价很合
理。
等有了经验，再去买FORCLOSED PROPERTIES。。。
MOLD |
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k*****a
发帖数: 7389 | 25 nats is right
A conservative example: your house bought for 100K, 10 years later, it jump
to 1 million in a bubble (this is real data near NYC), what you should do is
take a loan for 900K~1.1M against this house. when market corrects, the
value of this house may drop to about 500K.
at this stage, you may use that 900K loan to buy a much better house and let
the bank forclose your old house. (during the time you deadbeat on HELOC payment, continue to rent the old house and collecting nice rent ... 阅读全帖 |
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y******n
发帖数: 8667 | 26 Appraise根本不管差别的。是不是最近卖的都是short sale和forclose的？ |
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s********e
发帖数: 11693 | 27 所以这个房子问题在Flip，而不是曾经Foreclose过？如果forclose后新买家又住过几
年是不是就没什么问题了？ |
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y******n
发帖数: 8667 | 28 先买个forclosue的，再把自己的forclose了。 |
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b*****r
发帖数: 199 | 29 银行17w收回，现在标价22w。房子外观和地点都不错，但内部全需要update。
1.想买来自住，我该出什么价？
2.该房去年按37w缴税，每年9千。如果我20多万拿下。可以按买价缴税吗？如果是
normal sale，这是没有问题的。forclosed 的房子，怎么定税？ |
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m*****u
发帖数: 25 | 30 看到一个房子， ownership 是REO， 但是从照片上看还有人住在里边。Listing agent
说这是一个forclosed house that still can try to do short sale。这是怎么回事
？多谢多谢。 |
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d******s
发帖数: 28 | 31 Bank owned forclosed 房子，全10分学区，州内前十高中。房子坐北朝南，layout不
错，路的最里头一家，背后全是豪宅>1M。银行要价500k, 外面还行，里面要修不少，
窗户厕所要都换，厨房要装修。修好全新要差不多100k,这样的房子值得买了花力气搞
吗？谢谢。 |
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N**s
发帖数: 1916 | 32 你说的是贷款卖给2房是可能的。 还有可能房子是FHA or VA,or USDA insured. 情况
属于后者的话不用折腾了, 银行基本会直接forclose and get $$$ back from insurer
, be it fha, va, or usda. |
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r****t
发帖数: 10904 | 33 发个案例以正视听：
去年圣诞前后，中等学区，ranch, 情况还好，院子可能下水有点堵，
forclosed, bank owned, as is condition.
sept 街对面一个
同样的regular sold@490k.
17xx sqft 3b2b listing 470k, 昨天发现535k sold.
我们不懂行出了 480k ， 包括我们 一共8个offers were countered with highest n
best, 我们加到490k，没消息，口头加到 500k. 被告知有multiple offer over 500k. |
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r****t
发帖数: 10904 | 34 记不清楚是06 还是08了，forclose 前的买家是560k 左右买下的 |
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r******d
发帖数: 1879 | 35 pre-forclosure and short sale has too many uncertainty, since you dont know
when they will be forclosed and file the bankruptcy.
Forclosure home is the easiest transaction compaing above two.
Between preforclosure and short sale, if shor sale already get final
approved by short sale lender, the property will have alot better conditions
comparing to the preforclosure. |
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l*****g
发帖数: 153 | 36 卖方是一老太太，住在外州，这房子老先生住，但去年过世了，留下房子和贷款。老太
太一分钱也不想在这房子上花。声称要么卖223K自己不亏本，要么FORCLOSE算了（她已
经3个月没付房贷了，30天后银行就发单了）。我出价215K，今天听说老太太在跟银行
谈判，让银行承担一些损失低于欠款卖。要是明天说，银行不同意，那且不是只有要我
提价了。
这种情况应该怎么处理？不是老太太抬价的手段吧。
有没有办法查卖方房贷的情况？只知道姓名，年龄，和银行。 |
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l*****g
发帖数: 153 | 38 如果卖家一开始就报228K,而不是当时报的223K，我也许就不会下正式的offer,也不会
被agent用exlusive agency contract锁住。
况且我们一直在问卖家同一个问题，你最低卖多少才能付得起，因为再过30天，银行就
要开始forclose.卖家却在有offer之前报223，有了offer报228. |
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l*****g
发帖数: 153 | 39 没有其他买家跟我抢，是卖家狠，开始说223K,现在又涨上去5K，一副你爱要不要的架
势，不要她宁可forclose， 也不花一分钱卖这房子。谁知道，她是开始真的算错了，
还是现在想多捞点。
不全是钱的问题，这种卖家让人感觉被敲诈。要不是对房子还有兴趣，我早撤了。 |
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l*****u
发帖数: 12114 | 40 no no no. 上任房主就是因为这个disappear的，然后这个房子forclose, 然后娟接盘
。history repeats. |
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j******x
发帖数: 383 | 41 怎么找forclose specialst? 在哪找啊？agent貌似最近很忙，完全不理我，我已经想
把他炒了 |
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s****a
发帖数: 9912 | 42 TITLE里没有，FORCLOSE SPECIALIST会给你SEARCH这些东西 |
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l*****g
发帖数: 153 | 43 interest for 4 month = 5612.76
late charges = 202.72
这些都已经包括在207K欠款里了。
她不缺银子，也不住这儿，她宁愿forclose,也不想花一分钱在这个房子上。 |
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s****a
发帖数: 9912 | 45 这个没标准，新手最好远离FORECLOSE，你不懂容易受骗上当 |
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o****d
发帖数: 1346 | 46 at least 10% discount.银行即使sold as is,还是给inspection,不满意可以退出。 |
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e****t
发帖数: 304 | 49 这个会有什么大问题？如果是和银行买，原来的屋主已经搬出去了，房子现在属于银行
，银行还会骗我吗？ |
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