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Eric Michael, of Livonia, Michigan, wrote a post,"Are YOU a Part of the Entitlement Generation?" which inspired me to write this post. I might have been a little harsh in my comment, but in my opinion, his assertion has value. I do see an entitlement mentality, but I also see as a Temecula short sale listing agent, there are homeowners who have legitimate hardships, which is just about every homeowner I’ve met, with a few exceptions. I am here to assist those homeowners who have hardships and are serious about selling their Temecula short sales. I'm not interested in taking short sale listings for homeowners who are in it to "game the system," and there are few of those.
If we have learned anything from the housing bubble and mortgage meltdown is we can’t trust what we sign is always going to be in our best interests. I can’t believe, well, I do believe, the number of homeowners who find out, or say they didn’t know, there’s a balloon payment after ten years, or discover the second mortgage is interest only.
If they had only read their loan documents and understood their obligation before signing! What’s happened in the past is the past, but I truly hope that in the future, home buyers will read their loan documents carefully and understand them before signing. Most folks don’t know this, but it’s perfectly ok to take them to an attorney for review before signing and get an explanation if you don’t understand something, or if your lender did not explain the terms of your loan to your satisfaction.
There are differences among types of mortgage loans and the liability risk they bring if you default, either strategically or because of a hardship, will make no difference.
I know there are many Temecula and California former homeowners, who lost their homes to foreclosure, or had to short sale, and are trying to get back on track with their credit and finances. Many of my short sale clients are waiting for the day they can buy another home again. I’m all for it, but a word of warning: don’t make the same mistake twice, or rush in to buying a home without thinking it through and exercising caution.
There are two types of loan/purchases I want to point out to those who have less-than-stellar credit and want to buy again:
1. Hard money loans. I’ve been noticing lately tons of advertisements for these types of loans. These loans carry risk, liability, and sky-high interest rates. This type of loan has its place in the market, but perhaps not for everyone buying a primary residence again after foreclosure, or short sale, in my opinion.
2. Lease-option purchase. These most always favor the seller. If considering a lease-option purchase, it is broker recommended to get attorney advice and that an attorney should handle the lease-option purchase. Don’t go it alone with only the seller. You can use a licensed real estate agent to represent you, but an attorney needs to be involved, and of course, there would be additional fees in a lease-option purchase.
If you need to sell your Temecula Valley home, or are considering buying a home in Southwest Riverside County California, please contact me direct 951.491.4063.
Serving Southwest Riverside County California|Hemet/San Jacinto Valley, Temecula Valley, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Moreno Valley, Wildomar |Serving South San Bernardino County|Loma Linda, Highland
Find out what your home will sell for in today's market, contact Pamela Seley, REALTOR® at 951.491.4063 today.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.