The City of Los Angeles has what is arguably the most onerous program to deal with.  Given the vast number of vacant and distressed properties within the City of Los Angeles, it is no surprise that the City has taken steps to protect its residents and neighborhoods.  Registration with the City of Los Angeles […]

  In Alameda, a property is required to be registered with the City upon the occurrence of either (a) the boarding up of the building by the voluntary action of the owner or as a result of enforcement actions of the City or (b) when the property is vacant for more than 90 days for […]

  Think you’re not affected?  Better think again.  Over the past several years, the federal and state governments have sought to quell the “foreclosure crisis” that has overtaken the public discourse.  States such as California have enacted legislation such as the homeowner’s bill of rights whose goal was to afford additional protection to delinquent borrowers.  […]

 A question many people wonder is, what kind of mortgage rate will I qualify for? Possibly one of the scarier questions prospective homeowners and investors must ask themselves before investing into any property. The struggle with being qualified and or accepted, let alone purchasing a home these days can be a scary task to many. This […]

        When discussing the “hottest” home markets in the United States, one city must be mentioned, the beautiful San Diego.  According to Realtor.com, when it comes to supply and demand, San Diego made the list as the eighth “hottest” home market in the last six months.   This signified the highest ranking the […]

By: Randy Newman, President, Total Lender Solutions The Service Members Civil Relief Act (SCRA) was enacted in 2003 in order to update the Soldiers and Sailors Civil Relief Act of 1940 (the “1940 Act”) which, in turn, had updated the Soldiers and Sailors Civil Relief Act of 1918.  The SCRA significantly expanded the rights of […]

The City of Los Angeles has what is arguably the most onerous program to deal with.  Given the vast number of vacant and distressed properties within the City of Los Angeles, it is no surprise that the City has taken steps to protect its residents and neighborhoods.  Registration with the City of Los Angeles is […]

After the three months pass, if the Trustor has not reinstated the loan or redeemed the property, then the Beneficiary will request that the Trustee record a Notice of Sale (“NOS”). Within the Notice of Sale, there will be stated the upset price which is the approximate total amount that the Beneficiary will be owed […]

The Trustee then sends (by regular and certified mail) to the Trustor and any one else entitled a copy of the NOD with the recording information. The NOD notifies the Trustor that the loan is in default, advises the Trustor of the amount then in arrears, and informs the Trustor that he/she must maintain the […]

The foreclosure market continues to show signs of repair that began last year. Foreclosures have been a major issue for homeowners, not only here in California, but nationwide as well. Ten years ago in 2006, there were approximately just over 717,000 properties that were put into foreclosure throughout the nation. Not surprisingly to anyone who has been around, studies show that the highest number of foreclosures […]

  Some may wonder, what is a UCC sale? In certain instances, lenders will make loans secured by both real and personal property; other times, the loans may be secured only by personal property.  When secured by both types of properties, the lender has the ability to conduct what is called a “unified” sale where […]

With the housing market crash almost ten years behind us, there are signs of things being on the up and up for real estate.  There have been a lot of changes in the national real estate market over the last ten years.  Recent studies show that at the end of 2015 foreclosure activity has gone […]

Most people believe that the only way to add value to your home is by doing huge renovation projects. However this isn’t always the case. There is many tips and ways to add instant value to your home, and a lot of them are cheaper than you expect! It is key to know what areas […]

What is the price you would pay to live in some of the more popular areas within the United States? New York and California clearly made the list, but what other cities would you guess also made the top ten? Unfortunately in some of these locations, working 40 plus hours a week only gets you […]