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looks like FICO just published their scoring systems. http://finance.yahoo.com/banking-budgeting/article/108239/fICO-reveals-how-common-credit-mistakes-affect-scores?mod=bb-creditreports For the look of it, filing for foreclosure is not that bad. Only a little worse than being 30day...

Here's my situation. I'm moving back to California is the very near future (3 months). If I wanted to buy a house in California now, do I have to get a loan with a bank that's base in california, or can I get a loan with any national bank?

What website do you guys use to find property for lease?

I for one like the "tuscony stucco boxes" out in So. Cal. Just wish the lot was atleast 4x the size of the house. Living in Texas, the lower priced homes have hardy plank sidings, the mid price homes have brick exteriors, and the higher price homes are Stucco. So I'm accustom to thinking...

Assuming that the house was not placed on MLS, how long does foreclosure radar list a REO house? I've been following a REO house on FR for a while now. It was never listed on redfin. Today, it just disappeared from for FR. does this mean that the bank sold it on the side? Is this what's...

The lower end REOs seems to be hot currently with multiple offers going above asking. How are the mid to higher end REOs doing? (600k-1mil). Are they also getting multiple offers, sold for higher than listing and getting sold in a few weeks?

The wife is interested in this property. It's "70%" complete. http://www.redfin.com/CA/Rancho-Cucamonga/5799-Cousins-Pl-91737/home/21897350 How would a mortgage work in this case? If you're building a house from scratch, you would get a construction loan, would this transaction be...

Since bad credit seems to be the only real downside to walking away from an underwater mortgage. How hard is it to live with really bad credit?

I've been looking at REOs lately and I noticed that the listing price are much higher than the Trustee sale amount. Is there something I'm missing? Here's an example. http://www.redfin.com/CA/Rancho-Cucamonga/9646-Norbrook-Dr-91737/home/4275965 It's currently listed at 964K, but it...

How are property tax assessment made when a property is sold for much lower than market value, such as between family members? Lets say a parent have a home that's worth 500k. But "sell" it to a child for 100k. Will the property tax be base on the new sale price of 100k? Thanks.

If you buy a property at a courthouse auction, do all leins get wiped out?

What's your take on chino hills? Particularly homes >$600k. Has Chino hills crashed yet, or are they primed for one? Anyone have any experience living in Chino hills? How's the community out there?

Not trolling, but what's with all the negativity toward large tract homes? I don't get it. Living in Houston (soon to move back to socal), homes out here are large and cheap. Its not uncommon to buy a new home in a good neighborhood for $50/sf. KB homes had some houses that were 3500sf...

There's a new bill in congress intended to protect the home renters from foreclosure. In short it says that the banks must honor the lease that the tenants had with the previous homeowner prior to foreclosure. So the tenants can't be kicked out until the least is over, even if the lease...

Is there a way to buy REO homes that hasn't made it to MLS yet? Foreclosure services such as foreclosureradar and realtytrac list homes REOs that I'm interested in, but are not on MLS. Do I call the bank and make an offer, go through a broker, or do I just have to wait until the bank...