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US $4.99
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15 Questions to Ask When Buying a Short Sale in San Mateo County
San Mateo County has its share of so-called short sales. To be clear, we don’t have the glut of short sales or bank owned homes as we see in places like Sacramento, Modesto and Stockton. San Mateo County’s inventory of distressed properties is indeed very modest.
Just How Many Alleged Short Sales are For Sale in San Mateo County?
As of this publication, there are 152 single family homes and 55 condominiums listed in the Multiple Listing Service as “alleged” short sales. I say alleged because a short sale is not a short sale until the seller’s lender approves and agrees in writing to accept less than the amount the seller owes them. So, we tend to see many homes called short sales in spite of the fact that the seller’s lender has not yet approved the sale…and may not ever approve the short sale.
Ask These Questions Before Writing an Offer
Rather than waste our time and the time of our clients, we recommend that you as we do and ask the following questions of the listing agent:
- Who initiated the short sale – the seller or the listing agent?
- Has the homeowner stopped making payments on the loan?
- Has the bank received the seller’s short sale application package with the hardship letter and all the supporting documentation?
- If so, have they approved the homeowner for a short sale in writing?
- Has the seller agreed to accept all of the bank’s conditions to the short sale?
- How was the listing price established – broker price opinion or comparative market analysis – and has the bank approved the price?
- Are there any junior or subordinate lien holders?
- Have all lien holders agreed to the short sale?
- Is there Primary Mortgage Insurance (PMI) on the first mortgage?
- Have you received any other offers?
- Has a loss mitigator been assigned to the case?
- How long do you estimate the loss mitigator will take to respond to our offer?
- Has the loss mitigator ordered another broker price opinion yet? If not, when will they?
- When is the scheduled trustee’s sale?
- Has the bank postponed the trustee’s sale in writing?
Why Ask The Questions?
The answers to these questions will help us determine whether we wish to propose an offer or pass because there is a high likelihood of failure. We have no desire to put our clients through the stress and emotional turmoil associated with a short sale transaction, and we have no interest in wasting your time and energy chasing a fantasy. Most short sales are unattainable. Nationally fewer than 20% of the alleged short sales fail so a statistically a positive outcome is remote at best.
How Can I Get a Complete List of San Mateo County Distressed Properties?
To get a list of distressed San Mateo County properties, please visit SanMateoHomesInfo.com and click on the “Best Deals List” tab. Our list is complete and updated 8 times a day!
About the Author
Raymond Stoklosa has been in real estate on the San Francisco Peninsula since 1978. With over thirty years of experience, he currently coaches his clients through their transactions as the Managing Broker and co-owner of The RayChel Realty Group in San Mateo, CA. Raymond is also the co-author of the blog LivingWellinSanMateo.com
What's your opinion about the lawsuit against the 49ers?
"The case that pits 49er fans' right to privacy against the team's efforts to provide strong security went before the State Supreme Court on Tuesday. It all began with two season ticket holders who objected to being frisked at the gate. This case has been around for a while. The Daniel and Kathleen Sheehan of Danville filed this suit back in 2005, after the 49ers started patting down their patrons."
http://abclocal.go.com/kgo/story?section=news/local/san_francisco&id=6586775
They're lawsuit is going to get decided in favor of the 49'ers. A ticket is a license to attend an event provided that you comply with certain conditions - ie, pay a fee, etc. Now getting frisked is a part of those conditions. Its an unfortunate necessity in the world we live in, and I think that other peoples' right to be free from thugs with guns / knives / etc. trumps the Sheehans' right to be free from a pat down.
More to the point - this is a stupid lawsuit. I hope their attorney is getting paid by the hour.
CB Selection for All-San Diego Team: King Holder
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San Francisco Giants Can Holder Set $17.45 San Francisco Giants Can Holder Set You can show your passion for pigskin during the big game by drinking out of a can tucked into the Great American NFL® team football can holder. The NFL® team Wilson® football can holder is designed like the official game ball used on the field and decorated with a bold team logo. |
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San Diego Chargers Kolder Kaddy Can Holder $13.17 San Diego Chargers Kolder Kaddy Can Holder These foldable can holders are constructed from 3mm Neoprene "Wetsuit" rubber. They are designed to keep your favorite beverage COLD... and your hands WARM! The holder is collapsible & has sewn seams on two sides. The neoprene construction means it is easy to remove the bottle from the holder - no pliers needed. The Kolder Holder will fit in the console of your car, truck, golf cart or boat. Product enhancements by the product manufacturer may result in the item(s) being slightly different than they appear in the images posted. |
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San Francisco 49ers Kolder Kaddy Can Holder $13.17 San Francisco 49ers Kolder Kaddy Can Holder These foldable can holders are constructed from 3mm Neoprene "Wetsuit" rubber. They are designed to keep your favorite beverage COLD... and your hands WARM! The holder is collapsible & has sewn seams on two sides. The neoprene construction means it is easy to remove the bottle from the holder - no pliers needed. The Kolder Holder will fit in the console of your car, truck, golf cart or boat. Product enhancements by the product manufacturer may result in the item(s) being slightly different than they appear in the images posted. |
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San Diego Padres Can Holder Set $27.45 San Diego Padres Can Holder Set This is a matching pair of the most exquisite Officially Licensed Can Holders on the market. Both can holders are decorated with hand-crafted metal Team Logos, and the stainless steel construction keeps your drink cold for hours. |
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San Diego Chargers Bottle Jersey Holder $14.34 San Diego Chargers Bottle Jersey Holder These jersey bottle holders are constructed from 3mm Neoprene "Wetsuit" rubber, and will hold a longneck bottle. They are designed to keep your favorite beverage COLD... and your hands WARM! The neoprene construction makes it easy to remove the bottle from the holder - no pliers needed. ItÂ’s stretchable, washable and foldable. Made by Kolder. Product enhancements by the product manufacturer may result in the item(s) being slightly different than they appear in the images posted. |
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San Francisco 49ers Bottle Jersey Holder $14.34 San Francisco 49ers Bottle Jersey Holder These jersey bottle holders are constructed from 3mm Neoprene "Wetsuit" rubber, and will hold a longneck bottle. They are designed to keep your favorite beverage COLD... and your hands WARM! The neoprene construction makes it easy to remove the bottle from the holder - no pliers needed. ItÂ’s stretchable, washable and foldable. Made by Kolder. Product enhancements by the product manufacturer may result in the item(s) being slightly different than they appear in the images posted. |
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San Diego Chargers Leather Checkbook Holder $40.4 San Diego Chargers Leather Checkbook Holder Keep your money and your team close to the hip with our exclusive leather checkbook holder. These checkbook holders are made of high quality, fine grain leather and displays your favorite team's colorful logo. These checkbook holders come in a protective faux leather gift case and make great gifts for all NFL sports fans. |
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San Diego Chargers Leather Passport Holder $34.26 San Diego Chargers Leather Passport Holder Keep your money and your team close to the hip with our exclusive leather passport holder. These passport holders are made of high quality, fine grain leather and displays your favorite team's colorful logo. These passport holders come in a protective faux leather gift case and make great gifts for all NFL sports fans. |
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San Francisco 49ers Leather Passport Holder $34.26 San Francisco 49ers Leather Passport Holder Keep your money and your team close to the hip with our exclusive leather passport holder. These passport holders are made of high quality, fine grain leather and displays your favorite team's colorful logo. These passport holders come in a protective faux leather gift case and make great gifts for all NFL sports fans. |
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San Francisco 49ers Leather Checkbook Holder $40.4 San Francisco 49ers Leather Checkbook Holder Keep your money and your team close to the hip with our exclusive leather checkbook holder. These checkbook holders are made of high quality, fine grain leather and displays your favorite team's colorful logo. These checkbook holders come in a protective faux leather gift case and make great gifts for all NFL sports fans. |
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GameWear MLB Leather Cell Phone Holder - San Diego Padres $17 GameWear MLB Leather Cell Phone Holder - San Diego Padres Game Wear Leather Cell Phone Holder Full leather cel phone holder with high quality stitching. All MLB teams available. Made in China. Min order for MILB teams are 72. |
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GameWear MLB Leather Cell Phone Holder - San Francisco Giants $17 GameWear MLB Leather Cell Phone Holder - San Francisco Giants Game Wear Leather Cell Phone Holder Full leather cel phone holder with high quality stitching. All MLB teams available. Made in China. Min order for MILB teams are 72. |
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San Francisco Giants Christmas Card Holder $37.99 Display your team spirit along with your holiday cards this year with this Card Holder! Each holder features a plush snowman atop a long stocking with pockets to hold and display cards. Each holder is made in authentic team colors and logo. Size: 51" |
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San Francisco 49ers Christmas Card Holder $37.99 Display your team spirit along with your holiday cards this year with this Card Holder! Each holder features a plush snowman atop a long stocking with pockets to hold and display cards. Each holder is made in authentic team colors and logo. Size: 51" |
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San Diego Chargers Christmas Card Holder $37.99 Display your team spirit along with your holiday cards this year with this Card Holder! Each holder features a plush snowman atop a long stocking with pockets to hold and display cards. Each holder is made in authentic team colors and logo. Size: 51" |
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San Diego Chargers Bottle Suit Holder $16.51 San Diego Chargers Bottle Suit Holder These bottle holders are constructed from 3mm Neoprene "Wetsuit" rubber, and will hold a longneck bottle. They are designed to keep your favorite beverage COLD... and your hands WARM! The full glued-in bottom means your beer won't drip on you! The neoprene construction & the zipper makes it easy to remove the bottle from the holder - no pliers needed. ItÂ’s stretchable, washable and foldable. Made by Kolder. Product enhancements by the product manufacturer may result in the item(s) being slightly different than they appear in the images posted. |
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San Francisco 49ers Bottle Suit Holder $16.51 San Francisco 49ers Bottle Suit Holder These bottle holders are constructed from 3mm Neoprene "Wetsuit" rubber, and will hold a longneck bottle. They are designed to keep your favorite beverage COLD... and your hands WARM! The full glued-in bottom means your beer won't drip on you! The neoprene construction & the zipper makes it easy to remove the bottle from the holder - no pliers needed. ItÂ’s stretchable, washable and foldable. Made by Kolder. Product enhancements by the product manufacturer may result in the item(s) being slightly different than they appear in the images posted. |
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Holder $1.2 Holder |
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San Francisco 49ers 2 Piece Football Can Holder Set $14.95 You can show your passion for pigskin during the big game by drinking out of a can tucked into the Great American NFL® San Francisco 49ers football can holder. The NFL® team Wilson® football can holder is designed like the official game ball used on the field and decorated with a bold team logo. |
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San Diego Chargers 2 Piece Football Can Holder Set $14.95 You can show your passion for pigskin during the big game by drinking out of a can tucked into the Great American NFL® San Diego Chargers football can holder. The NFL® team Wilson® football can holder is designed like the official game ball used on the field and decorated with a bold team logo. |
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San Diego Chargers Executive Money Clip/Card Holder $19.95 San Diego Chargers Executive Money Clip/Card Holder Our Executive Money Clip/Card Holders are made of high quality fine grain leather with a sculpted pewter NFL team emblem. Packaged in a collector's tin. |
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San Francisco 49ers Executive Money Clip/Card Holder $19.95 San Francisco 49ers Executive Money Clip/Card Holder Our Executive Money Clip/Card Holders are made of high quality fine grain leather with a sculpted pewter NFL team emblem. Packaged in a collector's tin. |
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San Jose Sharks Memo Pad Holder $24.99 This memo pad holder is a great addition to your home or office! The holder measures 6 inches x 5 inches x 1 inch, features a brass and enamel plate with logo and comes with a 3 x 3 memo pad. |
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San Francisco Giants Memo Pad Holder $24.99 This memo pad holder is a great addition to your home or office! The holder measures 6 inches x 5 inches x 1 inch, features a brass and enamel plate with logo and comes with a 3 x 3 memo pad. |
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San Francisco 49ers Memo Pad Holder $24.99 This memo pad holder is a great addition to your home or office! The holder measures 6 inches x 5 inches x 1 inch, features a brass and enamel plate with logo and comes with a 3 x 3 memo pad. |
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San Diego Padres Memo Pad Holder $24.99 This memo pad holder is a great addition to your home or office! The holder measures 6 inches x 5 inches x 1 inch, features a brass and enamel plate with logo and comes with a 3 x 3 memo pad. |
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San Diego Chargers Memo Pad Holder $24.99 This memo pad holder is a great addition to your home or office! The holder measures 6 inches x 5 inches x 1 inch, features a brass and enamel plate with logo and comes with a 3 x 3 memo pad. |
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San Jose Sharks Business Card Holder $21.99 This handsome business card holder is accented with a solid brass medallion and enamel team logo. Measures 1.75 inches tall and 3.5 inches wide. |
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San Francisco Giants Business Card Holder $21.99 This handsome business card holder is accented with a solid brass medallion and enamel team logo. Measures 1.75 inches tall and 3.5 inches wide. |
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San Francisco 49ers Business Card Holder $21.99 This handsome business card holder is accented with a solid brass medallion and enamel team logo. Measures 1.75 inches tall and 3.5 inches wide. |
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San Diego Padres Business Card Holder $21.99 This handsome business card holder is accented with a solid brass medallion and enamel team logo. Measures 1.75 inches tall and 3.5 inches wide. |
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San Antonio Spurs Business Card Holder $21.99 This handsome business card holder is accented with a solid brass medallion and enamel team logo. Measures 1.75 inches tall and 3.5 inches wide. |
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San Diego Chargers Business Card Holder $21.99 This handsome business card holder is accented with a solid brass medallion and enamel team logo. Measures 1.75 inches tall and 3.5 inches wide. |
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San $17.49 San |
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San Francisco 49ers Paper Clip Holder $21.99 This paper clip holder is a handy desk accessory that proudly displays your team loyalty while keeping your work area organized. It is decorated with a brass and enamel team logo plate and has a rich walnut finish. |
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San Francisco Giants Paper Clip Holder $21.99 This paper clip holder is a handy desk accessory that proudly displays your team loyalty while keeping your work area organized. It is decorated with a brass and enamel team logo plate and has a rich walnut finish. |
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San Jose Sharks Paper Clip Holder $21.99 This paper clip holder is a handy desk accessory that proudly displays your team loyalty while keeping your work area organized. It is decorated with a brass and enamel team logo plate and has a rich walnut finish. |
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San Diego Padres Paper Clip Holder $21.99 This paper clip holder is a handy desk accessory that proudly displays your team loyalty while keeping your work area organized. It is decorated with a brass and enamel team logo plate and has a rich walnut finish. |
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San Diego Chargers Paper Clip Holder $21.99 This paper clip holder is a handy desk accessory that proudly displays your team loyalty while keeping your work area organized. It is decorated with a brass and enamel team logo plate and has a rich walnut finish. |
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San Antonio Spurs Paper Clip Holder $21.99 This paper clip holder is a handy desk accessory that proudly displays your team loyalty while keeping your work area organized. It is decorated with a brass and enamel team logo plate and has a rich walnut finish. |
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San Francisco 49ers Kaddy Can Holder $4.99 This is a special order item and takes longer to leave our warehouse, which is reflected in the estimate above These foldable can holders are constructed from 3mm Neoprene "Wetsuit" rubber. They are designed to keep your favorite beverage COLD... and your hands WARM! The holder is collapsible & has sewn seams on two sides. The neoprene construction means it is easy to remove the bottle from the holder. |
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San Diego Chargers Kaddy Can Holder $4.99 This is a special order item and takes longer to leave our warehouse, which is reflected in the estimate above These foldable can holders are constructed from 3mm Neoprene "Wetsuit" rubber. They are designed to keep your favorite beverage COLD... and your hands WARM! The holder is collapsible & has sewn seams on two sides. The neoprene construction means it is easy to remove the bottle from the holder. |
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San Diego Chargers Rock-n-Road CD Holder $29.99 With the San Diego Chargers Rock-n-Road CD Holder- your tailgate parties will never be the same. A Chargers license plate makes up the front and back of this great gift. This dye-sublimated aluminum case is sturdy enough for even the wildest post-game celebration and holds all of your favorite team fight songs. |
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San Francisco 49ers Rock-n-Road CD Holder $29.99 With the San Francisco 49ers Rock-n-Road CD Holder- your tailgate parties will never be the same. A 49ers license plate makes up the front and back of this great gift. This dye-sublimated aluminum case is sturdy enough for even the wildest post-game celebration and holds all of your favorite team fight songs. |
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GameWear MLB 3G Video iPod Holder - San Francisco Giants $8.5 GameWear MLB 3G Video iPod Holder - San Francisco Giants These baseball leather holders protect your video nano, while displaying your home team pride! This is the only IPOD case that allows you to use your flywheel on the IPOD without having to take it out of the case! |
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San Francisco Giants Clip Lanyard Keychain Id Holder Orange $8.99 Show your support for your favorite team with this San Francisco Giants Clip Lanyard. It features an extra thick band and metal detachable clip to ensure safety of your keychain or ID. This lanyard is solid Orange with San Francisco Giants logo on each side. Choose from a wide variety of teams. No vinyl/plastic ticket holder included. 23 inches long x1 inch wide. Color: Orange |
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San Deigo Padres Clip Lanyard Keychain Id Ticket Holder $8.99 Show your love of baseball and the San Diego Padres with this lanyard keychain or ID holder. The lanyard features a detachable clip, extra-thick band, raised lettering and the San Diego Padres team logo. Size/Dimensions: L1 X W1 X H1 Type: Apparel Accessories Sport: Baseball Color: Black Material: Nylon Gender: Unisex Age: Adult |
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San Diego Chargers NFL Business Card Holder w/ Gift Box $29.2 San Diego Chargers NFL Business Card Holder w/ Gift Box Our crystal acrylic business card holder in an attractive gift box. Show your clients and friends who your favorite team is with Caseworks business card holders! Our acrylic design is uniquely engraved with NFL shield or your favorite NFL team logo. Business cards not included. Measures 2W X 5"D X 6"H. Made in the USA. |
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San Francisco 49ers NFL Business Card Holder w/ Gift Box $29.2 San Francisco 49ers NFL Business Card Holder w/ Gift Box Our crystal acrylic business card holder in an attractive gift box. Show your clients and friends who your favorite team is with Caseworks business card holders! Our acrylic design is uniquely engraved with NFL shield or your favorite NFL team logo. Business cards not included. Measures 2W X 5"D X 6"H. Made in the USA. |
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San Diego Chargers Business Card Holder in Gift Box $30.99 San Diego Chargers Business Card Holder in Gift Box Our NFL Team Logo business card holder in an attractive gift box will show your clients and friends who your favorite team is with style!! Our acrylic, crystal design is uniquely engraved with the NFL Shield logo or your favorite NFL team logo. Business cards not included. Measures 2"W X 5"D X 6"H. Made in the USA. |
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San Francisco 49ers Business Card Holder in Gift Box $30.99 San Francisco 49ers Business Card Holder in Gift Box Our NFL Team Logo business card holder in an attractive gift box will show your clients and friends who your favorite team is with style!! Our acrylic, crystal design is uniquely engraved with the NFL Shield logo or your favorite NFL team logo. Business cards not included. Measures 2"W X 5"D X 6"H. Made in the USA. |
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San Francisco Giants - MLB 2pc Baseball Can Holder Set $19.69 You can show your passion for baseball during the big game by drinking out of a can tucked into the Great American MLB team baseball can holder. The MLB team baseball can holder is designed like the official game ball used on the field and decorated with a bold team logo. Team: San Francisco Giants Type: Other Sport: Baseball Color: Multi Item Count: 2 |
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San Jose Sharks Clip Lanyard Keychain Id Holder Ticket $8.99 Show your support for your favorite team with this San Jose Sharks Lanyard. It features an extra thick band and metal detachable clip to ensure safety of your keychain or ID. This lanyard is solid with San Jose Sharks logo on each side. Choose from a wide variety of teams. No vinyl/plastic ticket holder included. 23 inches long x1 inch wide. Features San Jose Sharks logo. Materials: Metal detachable clip, nylon, plastic. San Jose Sharks logo on each side. Extra thick band with raised lettering. No velcro or safety clip. Dimensions: 23 inches long x 1 inch wide. Size/Dimensions: L23 X W1 X H1 Type: Apparel Accessories Sport: Hockey Color: Green Material: Nylon Gender: Unisex Age: Adult |
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San Diego Chargers Ponytail Holder $9.99 Officially Licensed Professional and Collegiate Ponytail Holders. Alternating Team Color Design with Team Logo Prints. Knotted Design onto Sturdy and Thick Elastic Ponytail. |
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SAN FRANCISCO 49ERS RETRACTABLE BADGE HOLDER KEYCHAIN $12.94 Show your team pride at work, school, or anywhere you go. Steel clip attaches easily to a belt, waistband or pocket. 30" heavy duty retractable nylon cord. Perfect for hanging your personal ID or security card. Measures approximately 1.5†x 2.5â€. Vibrant colors and crisp graphics. Official team logos and colors. Officially licensed by the league and the team. Size/Dimensions: Approx. 1.5" x 2.5" Team: San Francisco 49ers Material: Plastic |
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SAN ANTONIO SPURS RETRACTABLE BADGE HOLDER KEYCHAIN $10.94 A great way to show your team allegiance anywhere you go. Steel clip attaches easily to a belt, waistband, or pocket. 30" heavy duty retractable nylon cord. Perfect for hanging your personal ID, security card, or keys. Measures approximately 1" x 1". Vibrant colors and crisp graphics. Official team logos and colors. Officially licensed by the league and the team. Made in the USA. Size/Dimensions: Approx. 1" x 1" Team: San Antonio Spurs Material: Plastic |
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