Corner Location with over 1,600 SQFT!
DescriptionWelcome to the private small community of Rimcrest Villas. This property boasts 2 large bedrooms, 2.5 baths, and over 1,650 square feet! You are close to the pool, parks, and shops. This home is a must see! Photos    Listed by
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Great Corner Location in Anaheim Hills! $349,000 Home for Sale!
1 comment • Fred Sed Orange County Real Estate • February 22 2010 08:47PMBest Three Bedroom Deal in Fountain Valley for Rent
Best Deal In Fountain Valley
Description12 Month Rental. HUGE 2 level end unit townhouse with grassy yard and 2 car garage. Feels like a detached home. This Monterey Model is very open and spacious with 3 bedrooms, 2.5 bathrooms, with almost 1700 sqft (approx) of living space. The home included a huge master bedroom, living room, family room, dining room and wet bar. Upgrades include distressed wood laminate floors and granite counters in the kitchen. Submit all offers. Photos      Listed by
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0 comments • Fred Sed Orange County Real Estate • February 22 2010 08:43PMLight and Bright Single Family Home---3 Bedrooms!
Light, Bright, & Open 3 bedroom!
DescriptionHighly sought-after premium location 3 bedroom, 3 bathroom townhome with unique & dramatic architecture. Stunning Golf Course Views from almost every window. Large upgraded kitchen with tons of cabinet space & granite counter tops. HUGE!!! Master bedroom!!!! Numerous windows in the home provides lots of natural light. New carpet, paint stove, microwave, dishwasher. Washer and dryer is included if desired! 2 car direct access garage with tons of storage. Woodsy walking trails through out the community. It's a fantastic home. Don't miss out on this opportunity! Photos       Features
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0 comments • Fred Sed Orange County Real Estate • February 22 2010 08:40PMLowest Priced 4 Bedroom Home in Irvine For Sale!
Lowest Priced 4 bedroom in all of Irvine!
Description
Photos    Features
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0 comments • Fred Sed Orange County Real Estate • February 22 2010 08:36PMBeautiful Condo with Vaulted Ceilings in Aliso Viejo-$349,000
Beautiful property with Soaring Vaulted Ceilings!
DescriptionLarge End Unit Townhome with 2 Bedrooms, 2.5 Baths and A Spacious, Open Floor plan. This Unit Has Soaring Ceilings, An Open Floorplan with Hardwood Flooring, A Large Dining Area, Plus Upgraded Kitchen with Granite Counter Tops and Stainless Steel Appliances including a Wine Cooler in Kitchen. Spacious Living Area With Wood Burning Fireplace, and An Office/Den with Built-In Bookcase/Shelving, Opening Out To A Beautiful Private Fenced Backyard With A Wrap Around Slate Patio, Perfect For Entertaining. 1 Car Attached Garage with Direct Access. This Prime Location Is Surrounded By Parks and Activities with Quick Access to the 73 Toll Road, Restaurants, Movie Theaters, and Shopping At Aliso Viejo Town Center. Just Minutes to Laguna Beach. Tons of Guest Parking In This Neighborhood. This Community Includes A Family Friendly Park And Recreation Center Complete With Club House And Recreation Facility, Assoc Gym/Exercise Room, Assoc Pool And Spa, Assoc Tennis. Listing Courtesy of Devin Doherty - Keller Willams Realty Photos           Features
Neighborhood InfoAmenities: Assoc Barbeque, Assoc Club Hse/Rec Facility, Assoc Gym/Exercise Room, Assoc Insurance Paid, Assoc Maintenance Paid, Assoc Pool, Assoc Tennis Listed by
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0 comments • Fred Sed Orange County Real Estate • February 22 2010 08:32PMOrange – County – Short – Sale – Specialist – Qualifying – Terms
Orange - County - Short - Sale - Specialist - Qualifying - Terms
*Owe more than your home is worth.
*Having trouble making your mortgage payments.
*Having already missed 1 or more mortgage payments.
*Have some sort of hardship that holds you back from your payments and or monthly expenses.
*Have a loan in which the interest has adjusted up which makes the payments hard to make.
*Need to sell your home, but there is not equity to do so.
*Heading toward a foreclosure and have run out of options.
There are many other factors that would help you qualify for a short sale. Please contact our Short Sale Realtor Fred Sed 949-274-3733 to discuss if you do qualify for a short sale. We do cover all of Orange County, Riverside County, and Los Angeles County.
Watch Fred's Short Sale Video's
To Avoid Foreclosure and Save Your Credit, Call Your Orange County Short Sale Specialist Realtor, Fred Sed, and see if this would be the best option for you!
Fred Sed
(949) 274-3733
0 comments • Fred Sed Orange County Real Estate • February 22 2010 08:28PMFINANCIAL HARDSHIP??? || ORANGE COUNTY SHORT SALE REALTOR
What is "Financial Hardship" and why is it so important?
"Financial Hardship" is a critical part of the short sale equation. No matter what you hear about banks "not in the business of owning real estate", etc., they DO NOT give homeowners a break easily. They require GOOD REASON to give a discount for a short sale. They have entire departments called "Loss Mitigation", which means their entire job is to reduce the loss the bank takes on a bad loan. Giving big discounts to sellers increases the loss on a bad loan, so they don't take it lightly.
The ONLY reason a lender will agree to a short sale is if they determine that the short sale will net the more money that proceeding with the foreclosure. Understanding the homeowner's financial hardship is a big part of the lender estimating whether they will be paid in full for the mortgage.
IF THERE IS NOT A LEGITIMATE FINANCIAL HARDSHIP, A LENDER WILL NOT SHORT SALE EVEN IF THE HOME IS WORTH LESS THAN THE MORTGAGE BALANCE. Quite simply, the lender will make the borrower pay the shortfall if there is no hardship.
Many homeowners try to use a short sale as a "get out of jail free" card to dump their poor investment. Lenders will not allow this and it is a waste of time to try. If you are employed and have some assets, but you have simply lost value on your home and want to sell, YOU PROBABLY CANNOT SHORT SALE. If you are current on your mortgage, IT IS VERY DIFFICULT TO SHORT SALE. Lenders need to see that you simply cannot pay them back before they will short sale.
IF YOU ARE HAVING TROUBLE WITH MAKING YOUR PAYMENTS OR ARE HAVING ANY FINANCIAL DIFFICULTIES A SHORT SALE MIGHT BE YOUR BEST OPTION.
CONTACT US TODAY TO SEE IF YOU CAN QUALIFY. OUR SERVICES ARE FREE AND EVERYTHING IS KEPT IN THE STRICTEST CONFIDENTIALITY.
CONTACT FRED SED AT 949-274-3733 OR EMAIL AT FREDSED@PGCOASTAL.COM
0 comments • Fred Sed Orange County Real Estate • February 22 2010 08:26PMORANGE COUNTY SHORT SALES || OTHER OPTIONS BESIDES FORECLOSURE
What other options might I have at this point?
When faced with a foreclosure, some things you may be able to do are:
1.Sell your home through the normal channels
2.Bring your mortgage current by making the missed payments and paying the penalties
3.Refinance your mortgage with another lender
4.File for bankruptcy
If you can do any of the first 3, then you probably should! Those are usually the best solutions for a homeowner in foreclosure. However, if your situation is such that your house cannot be sold for the amount owed, and you have no money to bring the payments current, and you have no equity to qualify for a refinance, then you should consider a short sale before considering option #4.
Again, we encourage you to educate yourself as much as possible about your situation and seek advice from any attorney or CPA you have access to about your choices. We do caution you against paying for the advice of so-called "foreclosure work-out specialists" or other such advisers unless it is by personal recommendation.
IF YOU ARE HAVING TROUBLE WITH MAKING YOUR PAYMENTS OR ARE HAVING ANY FINANCIAL DIFFICULTIES A SHORT SALE MIGHT BE YOUR BEST OPTION.
CONTACT US TODAY TO SEE IF YOU CAN QUALIFY. OUR SERVICES ARE FREE AND EVERYTHING IS KEPT IN THE STRICTEST CONFIDENTIALITY.
CONTACT FRED SED AT 949-274-3733 OR EMAIL AT FREDSED@PGCOASTAL.COM
0 comments • Fred Sed Orange County Real Estate • February 22 2010 08:24PMCalifornia Short Sale Realtor || Can you short sale if you have NOT missed any payments?
I am NOT in foreclosure and I have missed NO PAYMENTS, can a short sale work for me or do I qualify for a short sale?
It is difficult to do a short sale if foreclosure has not been filed but it is possible if a couple of payments have been missed and there is a good hardship story. The lender must be convinced that they will NOT BE REPAID without the short sale.
If you are not in foreclosure and you have not missed any payments, a short sale is probably not likely, but it is possible. The key is to have a legitimate financial hardship that will keep you from making the payments. A short sale is not just an easy way out of a bad investment. If you are working and your house has just lost some value, that is just unfortunately a bad investment and you are responsible to pay the shortfall.
Short sales are when lenders agree to discount a mortgage for someone who has had legitimate hardships and who has little chance of paying the amount owed. You may be hearing stories that mortgage companies are hurting and they don't want these houses and are giving big discounts away. These stories are mostly urban myths and are not true. In fact, the opposite is happening. Since profits are down, lenders are getting tougher when negotiating prices. They are not letting properties go cheaply and without very good reason. They will try ANYTHING to get you to repay the mortgage in full. A short sale is only a last resort, but we do know how to get lenders to agree to a short sale.
What if my mortgage is an FHA...or HUD...or VA mortgage?
Short sales can still be done on all these types of mortgages though each one has different criteria. Just let us know what kind of mortgage you have and we will take that into account.
IF YOU ARE HAVING TROUBLE WITH MAKING YOUR PAYMENTS OR ARE HAVING ANY FINANCIAL DIFFICULTIES A SHORT SALE MIGHT BE YOUR BEST OPTION.
CONTACT US TODAY TO SEE IF YOU CAN QUALIFY. OUR SERVICES ARE FREE AND EVERYTHING IS KEPT IN THE STRICTEST CONFIDENTIALITY.
CONTACT FRED SED AT 949-274-3733 OR EMAIL AT FREDSED@PGCOASTAL.COM
0 comments • Fred Sed Orange County Real Estate • February 22 2010 08:23PMORANGE COUNTY EXPERIENCED SHORT SALE REALTOR || MULTIPLE MORTGAGES ?
I have other liens (i.e. mechanics, IRS, court judgments) on my house; can I still do a short sale?
Yes, but again, it gets much more complicated and will take longer. If this is the case on your home, be sure to COMPLETELY list all potential liens you have. Each lien holder will have to be negotiated with individually. A short sale in this circumstance will take longer than 60 days.
I am an heir to an estate that has a mortgage it (or I) can't afford to pay. Can I do a short sale?
Yes, this is common. When you contact us, make sure to note the homeowner is deceased.
I have 2 or 3 mortgages on my house. Can I still do a short sale?
Yes, each mortgage or Line of Credit (HELOC) can be negotiated individually. It is important to know which mortgage filed the foreclosure or if more than one are in foreclosure, which filed first.
IF YOU ARE HAVING TROUBLE WITH MAKING YOUR PAYMENTS OR ARE HAVING ANY FINANCIAL DIFFICULTIES A SHORT SALE MIGHT BE YOUR BEST OPTION.
CONTACT US TODAY TO SEE IF YOU CAN QUALIFY. OUR SERVICES ARE FREE AND EVERYTHING IS KEPT IN THE STRICTEST CONFIDENTIALITY.
CONTACT FRED SED AT 949-274-3733 OR EMAIL AT FREDSED@PGCOASTAL.COM
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