m*******9
发帖数: 566 | | l*****o
发帖数: 26631 | 2 foreclosure就正常买呗， auction的不知道 | c*******y
发帖数: 3008 | 3 homepath.com上面有forclosure的房子， 看好了deal找agent联系去看， offer和
closing和regular sale一样，就是可以做homepathloan， 少放downpay和不做
appraisal。 利率还行。 | l******e
发帖数: 1875 | 4 foreclosure的房子有较大的未知债务方面的风险么？
【在 c*******y 的大作中提到】
: homepath.com上面有forclosure的房子， 看好了deal找agent联系去看， offer和
: closing和regular sale一样，就是可以做homepathloan， 少放downpay和不做
: appraisal。 利率还行。
| Q***N
发帖数: 2972 | 5 auction的房子回报也大,但风险大,不是一般消费者的菜.
都是一些投资公司在做,他们有自己的TEAM, AUCTION前能及时低成本的INSPECTION,查
TITLE等等.个人投资者做这些时间不及时,成本也高.即使抢下别人挑剩的,风险自然更
大些. | c****o
发帖数: 32446 | 6 如果这是楼主的第一个房，还是远离吧，这不是新手搞的下来的 | k**n
发帖数: 6198 | 7 建议你去你们市政厅去一次auction就大致知道了.我亲眼看到一个7万的房子被叫到了
12万,最后成交,半小时(必须)以后,买房人拧着现金回来.取钱之前,恶狠狠的瞪了那个
和他叫板的人
多去几次,就和他们(以auction为业的一批倒房子的比较有钱的人)交上朋友了,再多去
几次,就不会发生这样的恶性竞争了
【在 m*******9 的大作中提到】
: 如题
| c********n
发帖数: 731 | 8 Foreclosure is just a process. It has 3 steps:
1. Short sale: it is an initial phase. Home owner is delinquent on mortgage
for weeks or months, and the owner want to make it a short sale, which means
owners want all debt they owe to the bank go away. Now bank will say, yes
or no (usually months later after you present an offer). So even the price
you offer was accepted by the owner, it has nothing to do with the final
price that the bank will accept. My experience is, in NJ, that bank usually
come back with market price of similar house, which make the purchase not
attractive at all. But when owners owe mortgage to more than one bank, that
complicates things like a hell. One bank approves one offered price, but the
other may not. If it is a community with home owner association, the short
sale owners may owe HOA fee too. This is another variable buyer need to
consider. In summary, if you want to buy a short sale, you need to know 1.
whether the price has been approved by the bank, and 2, what other liens
that this owner has such as HOA dues.
2. Auction: It is the second phase. it is a cash transaction which may not
apply to most of us.
3. Bank owned: after the first 2 steps, the bank still cannot get it sold.
The bank decide to do a little renovation and sell it at a little lower the
market price. such properties usually have potential issues for pluming,
heating, air conditioning, termite. A home inspection is a must.
So far, I have not had good experience with short sale or bank owned, so
buyer should be aware of all these pit falls.
The best investment opportunity, I found out, is the property was owned by
seniors, but they need money to go to the supported living community, or
they die and their kids want to get rid of the property. Usually those house
sold very cheap. | N********n
发帖数: 13236 | 9 对最后一段老头老太房子，非常support~~~
：）
mortgage
means
usually
that
the
【在 c********n 的大作中提到】
: Foreclosure is just a process. It has 3 steps:
: 1. Short sale: it is an initial phase. Home owner is delinquent on mortgage
: for weeks or months, and the owner want to make it a short sale, which means
: owners want all debt they owe to the bank go away. Now bank will say, yes
: or no (usually months later after you present an offer). So even the price
: you offer was accepted by the owner, it has nothing to do with the final
: price that the bank will accept. My experience is, in NJ, that bank usually
: come back with market price of similar house, which make the purchase not
: attractive at all. But when owners owe mortgage to more than one bank, that
: complicates things like a hell. One bank approves one offered price, but the
| N**s
发帖数: 1916 | 10 short sale is not necessary for many cases.
1. some people don't care credit so they just let the bank take it back.
2. if house is financed thru fha/va/usda loans, there is no need to do short
sale. why? if banks lose a penny they will just throw you out and get all
money back from insurer. I don't understand why some dumb agents waste
their time listing short sales where the loan is government backed.
mortgage
means
usually
that
the
【在 c********n 的大作中提到】
: Foreclosure is just a process. It has 3 steps:
: 1. Short sale: it is an initial phase. Home owner is delinquent on mortgage
: for weeks or months, and the owner want to make it a short sale, which means
: owners want all debt they owe to the bank go away. Now bank will say, yes
: or no (usually months later after you present an offer). So even the price
: you offer was accepted by the owner, it has nothing to do with the final
: price that the bank will accept. My experience is, in NJ, that bank usually
: come back with market price of similar house, which make the purchase not
: attractive at all. But when owners owe mortgage to more than one bank, that
: complicates things like a hell. One bank approves one offered price, but the
| l*****o
发帖数: 26631 | 11 一般网站上标着foreclosure的房子就是指bank owned吧
short sale的一般都是在描述里加一句： subject to bank approval之类的
mortgage
means
usually
that
the
【在 c********n 的大作中提到】
: Foreclosure is just a process. It has 3 steps:
: 1. Short sale: it is an initial phase. Home owner is delinquent on mortgage
: for weeks or months, and the owner want to make it a short sale, which means
: owners want all debt they owe to the bank go away. Now bank will say, yes
: or no (usually months later after you present an offer). So even the price
: you offer was accepted by the owner, it has nothing to do with the final
: price that the bank will accept. My experience is, in NJ, that bank usually
: come back with market price of similar house, which make the purchase not
: attractive at all. But when owners owe mortgage to more than one bank, that
: complicates things like a hell. One bank approves one offered price, but the
|
|
