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Loan modifcations are paid for by the borrower usually by incorporating fees into the loan. I have seen some and I just hope borrower are paying attention. They lower your payment but the final ballon payment is near 25% the price of the house! Also I don't think modifications are purchase money...

Technically the note or loan is not public information. But you can see the deed of trust, which will usually show the up to amount for the loan. If you are in South County, then go to the recorders office on el toro next to circuit city and search land records by last name.

You cant go wrong if the school is IUSD. They are 100% zero tolerance for bs like drugs, etc. With that said, I second Alderwood as a good school, and it has been for quite a long time... even before they moved to Quail Hill. Also, I hear Bonita Canyon is a good school. Dont know about the...

Check out Stanford and berkley court. Uci parking permits are worth there weight in gold. Better to be able to walk to school.

Thanks for getting some specific stats, but ya, I would imagine UNI is up there. There is only one possible outcome to the credit crisis/recession. It is inevitable that America will increase exports. So we should attempt to understand two things: what is an "export" and what does America...

Glad to hear that you sought out help and got some information. Just remember that it doesn't stop there. Do your due diligence and make sure that your plan meets your needs. There are pros and cons to every decision you make in this sort of situation, so do your best to make sure you...

Irvine has the best public education system. I am sure there is a statistic out there that shows UNI students attend UCI at a higher rate than students from other high schools. I am of the opinion that UNI is the best HS in Irvine and definitely contributes to maintaining Turtle Rock prices...

The most hilarious part is that you think all this was caused by the "credit crisis." Credit expansion and war are 2 sides of the same coin. The mortgage thing is only 30% of the reason for our economic woes. Ford once was faced with a dilemma. They had this car, the Pinto, and had...

I am saying caveat emptor, In mind and body man is sovereign, But they are a bunch of fragile idiots. And this is my country and ill be damned if I don't fight for her, "Oscar"

Hey BlackVault, Patronizing and blaming those who were trapped in the world of rising prices is moronic. It is not the workers fault he never read Keynes or Mises. It his not his fault that he never understood that his increase in pay was met with an earlier increase in prices. It is not...

Get a bankruptcy attorney and tell him your entire situation. Im pretty sure lawyers have to help their client because they represent you, and based on what you said you may have serious issues that require informed decisions and planning. I am not saying file for bk, i am saying find someone...

Considering the fact that subprime loans were created in Irvine/Newport, maybe we are creative enough to get out of this mess. Here is my question and I hope someone who knows details can explain it. A mortgage backed security is a pool of loans, including a note and deed of trust, which is...

Why is it so absurd to think interest rates will be above 10%? What is this "credit crisis" anyway? Its all about credit and market forces. Rates are low because everyone assumes that interest rates are set by "central banks." Wake up sheeple. Interest rates are based on the same thing...

Check out Green Tree near Walnut and Culver. And if you replied Corona or Hemet to this question = fail. She asked "community in Irvine."

There is an inverse relationship between housing prices and interest rates. The price may fall but interest rates / conditions / requirements will change to counter balance this.

The heart of irvine is UCI. One must always keep in mind that what sets Irvine apart is the fact that Irvine is a university city. Not only does the university bring economic benefits, it brings significant human capital benefits. In a sense, there is no Irvine without UCI. It is an...

Hi, Just wanted to say I recently read up on affordable housing for sale, which I was unaware of. I only read the Irvine website for such programs, and as far as Irvine is concerned, I think it seems like a great program. Of course, details matter, so just make sure you know what you are...

<blockquote> Actually, effective rents are falling and will continue to fall, and vacancies are rising. I can't realistically imagine that trend changing over the next year or two.</blockquote> It is based on supply, demand, and chaos. Based on what we know now, rents next year will...

Here is the main problem with your description, as quoted: "presented with the opportunity to purchase a one-bedroom condo for $55K." This section of the sentence is the centerpiece of your decision making process (or should be). Although income and anticipations play a role, you have...