Timeline of a foreclosure???

[HLS]

It’s truly minimal…
Multiple inquiries in a 15-30 day period shopping for a mortgage will probably be looked at as a single inquiry.

If it goes beyond that, a drop of a few points can be offset by the gain of points when paying monthly payments.

I hope that you use credit cards or gas cards, as each monthly payment supports your credit score, even when paid in full. I don’t think that you carry a balance, which is fine.

People who use debit cards are doing nothing for their score.

I can usually get you approved within 30 minutes at my desk.
I’ll gladly explain the process to you.

You can lock the rate whenever you are ready.
I’m available to you anytime, just say when.

[temeculaguy]

HLS I’ll let you know in the next two weeks, I’m planning on looking this weekend and formulating my lowball plan and begin “firing for effect.” Despite my fear of causing Paramount to “look at me” I primarily use just one cc because I am a flymiles junkie and I run a a good chunk of change through it and pay it off. Would it be better to use more than one cc for less dollars each than one for everything? It probably doesn’t matter since I am better than everyone else anyway.

C’mon Paramount, I’m on glass #4, you can’t just pick a fight and go to bed, not with me, nobody punks TG. That wasn’t just another point of view that was a personal attack. I’m busy this weekend and wont have the time or be in the mood, full tranistion from fighter to lover is scheduled for 9:00 a.m.

Last chance or I’ll expect a full apology in the morning, blaming the drink is acceptable and encouraged. You are a nice guy, blame the drink.

[temeculaguy]

HLS I’ll let you know in the next two weeks, I’m planning on looking this weekend and formulating my lowball plan and begin “firing for effect.” Despite my fear of causing Paramount to “look at me” I primarily use just one cc because I am a flymiles junkie and I run a a good chunk of change through it and pay it off. Would it be better to use more than one cc for less dollars each than one for everything? It probably doesn’t matter since I am better than everyone else anyway.

C’mon Paramount, I’m on glass #4, you can’t just pick a fight and go to bed, not with me, nobody punks TG. That wasn’t just another point of view that was a personal attack. I’m busy this weekend and wont have the time or be in the mood, full tranistion from fighter to lover is scheduled for 9:00 a.m.

Last chance or I’ll expect a full apology in the morning, blaming the drink is acceptable and encouraged. You are a nice guy, blame the drink.

[temeculaguy]

HLS I’ll let you know in the next two weeks, I’m planning on looking this weekend and formulating my lowball plan and begin “firing for effect.” Despite my fear of causing Paramount to “look at me” I primarily use just one cc because I am a flymiles junkie and I run a a good chunk of change through it and pay it off. Would it be better to use more than one cc for less dollars each than one for everything? It probably doesn’t matter since I am better than everyone else anyway.

C’mon Paramount, I’m on glass #4, you can’t just pick a fight and go to bed, not with me, nobody punks TG. That wasn’t just another point of view that was a personal attack. I’m busy this weekend and wont have the time or be in the mood, full tranistion from fighter to lover is scheduled for 9:00 a.m.

Last chance or I’ll expect a full apology in the morning, blaming the drink is acceptable and encouraged. You are a nice guy, blame the drink.

[temeculaguy]

HLS I’ll let you know in the next two weeks, I’m planning on looking this weekend and formulating my lowball plan and begin “firing for effect.” Despite my fear of causing Paramount to “look at me” I primarily use just one cc because I am a flymiles junkie and I run a a good chunk of change through it and pay it off. Would it be better to use more than one cc for less dollars each than one for everything? It probably doesn’t matter since I am better than everyone else anyway.

C’mon Paramount, I’m on glass #4, you can’t just pick a fight and go to bed, not with me, nobody punks TG. That wasn’t just another point of view that was a personal attack. I’m busy this weekend and wont have the time or be in the mood, full tranistion from fighter to lover is scheduled for 9:00 a.m.

Last chance or I’ll expect a full apology in the morning, blaming the drink is acceptable and encouraged. You are a nice guy, blame the drink.

[temeculaguy]

HLS I’ll let you know in the next two weeks, I’m planning on looking this weekend and formulating my lowball plan and begin “firing for effect.” Despite my fear of causing Paramount to “look at me” I primarily use just one cc because I am a flymiles junkie and I run a a good chunk of change through it and pay it off. Would it be better to use more than one cc for less dollars each than one for everything? It probably doesn’t matter since I am better than everyone else anyway.

C’mon Paramount, I’m on glass #4, you can’t just pick a fight and go to bed, not with me, nobody punks TG. That wasn’t just another point of view that was a personal attack. I’m busy this weekend and wont have the time or be in the mood, full tranistion from fighter to lover is scheduled for 9:00 a.m.

Last chance or I’ll expect a full apology in the morning, blaming the drink is acceptable and encouraged. You are a nice guy, blame the drink.

[HLS]

Temec…

Are we talking about shot glass, juice glass, coffee cup, 16oz tumbler, 1 liter water bottle that you’ve lost the cap to, or 64oz AM/PM jug ?? (with ice or without?)

At this point, just stick with your one card.
In general, credit scores will be helped by using more cards with amounts spread out, and more positive accts to report.

“Paid As Agreed” on time etc, is what helps scores.
It doesn’t usually factor amounts..

A late minimum payment ($25) is as bad as a $200 late payment, Late is LATE. 3 on time payments are better than 1 on time payment. I’m guessing that your credit score is fine anyways.

I am an affinity credit card junkie also.
If you really want to play the game, opening new accounts to get the bonus offers can be sweet, with the first year often free, and bonus miles and more free trips faster.

[HLS]

Temec…

Are we talking about shot glass, juice glass, coffee cup, 16oz tumbler, 1 liter water bottle that you’ve lost the cap to, or 64oz AM/PM jug ?? (with ice or without?)

At this point, just stick with your one card.
In general, credit scores will be helped by using more cards with amounts spread out, and more positive accts to report.

“Paid As Agreed” on time etc, is what helps scores.
It doesn’t usually factor amounts..

A late minimum payment ($25) is as bad as a $200 late payment, Late is LATE. 3 on time payments are better than 1 on time payment. I’m guessing that your credit score is fine anyways.

I am an affinity credit card junkie also.
If you really want to play the game, opening new accounts to get the bonus offers can be sweet, with the first year often free, and bonus miles and more free trips faster.

[HLS]

Temec…

Are we talking about shot glass, juice glass, coffee cup, 16oz tumbler, 1 liter water bottle that you’ve lost the cap to, or 64oz AM/PM jug ?? (with ice or without?)

At this point, just stick with your one card.
In general, credit scores will be helped by using more cards with amounts spread out, and more positive accts to report.

“Paid As Agreed” on time etc, is what helps scores.
It doesn’t usually factor amounts..

A late minimum payment ($25) is as bad as a $200 late payment, Late is LATE. 3 on time payments are better than 1 on time payment. I’m guessing that your credit score is fine anyways.

I am an affinity credit card junkie also.
If you really want to play the game, opening new accounts to get the bonus offers can be sweet, with the first year often free, and bonus miles and more free trips faster.

[HLS]

Temec…

Are we talking about shot glass, juice glass, coffee cup, 16oz tumbler, 1 liter water bottle that you’ve lost the cap to, or 64oz AM/PM jug ?? (with ice or without?)

At this point, just stick with your one card.
In general, credit scores will be helped by using more cards with amounts spread out, and more positive accts to report.

“Paid As Agreed” on time etc, is what helps scores.
It doesn’t usually factor amounts..

A late minimum payment ($25) is as bad as a $200 late payment, Late is LATE. 3 on time payments are better than 1 on time payment. I’m guessing that your credit score is fine anyways.

I am an affinity credit card junkie also.
If you really want to play the game, opening new accounts to get the bonus offers can be sweet, with the first year often free, and bonus miles and more free trips faster.

[HLS]

Temec…

Are we talking about shot glass, juice glass, coffee cup, 16oz tumbler, 1 liter water bottle that you’ve lost the cap to, or 64oz AM/PM jug ?? (with ice or without?)

At this point, just stick with your one card.
In general, credit scores will be helped by using more cards with amounts spread out, and more positive accts to report.

“Paid As Agreed” on time etc, is what helps scores.
It doesn’t usually factor amounts..

A late minimum payment ($25) is as bad as a $200 late payment, Late is LATE. 3 on time payments are better than 1 on time payment. I’m guessing that your credit score is fine anyways.

I am an affinity credit card junkie also.
If you really want to play the game, opening new accounts to get the bonus offers can be sweet, with the first year often free, and bonus miles and more free trips faster.

[SD Realtor]

tg –

If you do make the purchase you will not be able to get it from the trustee sale. Don’t confuse an REO with a trustee sale.

The home you are living in now is (if I read your post correct) in default or close to it. The foreclosure process is essentially starting. The culmination of the process will be a public auction known as a trustee sale. Anyone can attend however in order to purchase the home at the trustee sale you will not be able to come in with conventional financing. If nobody else does either the home will go back to the lender. Let that happen.

Let the home go to the lender and then once the home becomes an REO then go after it. If you do make the purchase from the lender all of the liens will be cleaned up and you will not have to worry about anything.

Also you know my stance about living in a home during the foreclosure process. All bets are off. Indeed while the state is very tenant friendly at one point or another you will be out of there. I always play things close to the vest and am conservative so yes while I would say you are safe until the trustee sale, after the trustee sale things do get a bit more dicey.

Finally as HLS said the 10 year has been on the move. Indeed from the low of 3.85 not less then 2 weeks ago we are almost 35 basis points up. This translates to a DIRECT hit on long term rates. It is not inconceivable that in another few months the 10 year can be back up another 50 bp thus bringing rates up as well. This will serve to help depress pricing and for those with cash, will be beneficial.

SD Realtor

[SD Realtor]

tg –

If you do make the purchase you will not be able to get it from the trustee sale. Don’t confuse an REO with a trustee sale.

The home you are living in now is (if I read your post correct) in default or close to it. The foreclosure process is essentially starting. The culmination of the process will be a public auction known as a trustee sale. Anyone can attend however in order to purchase the home at the trustee sale you will not be able to come in with conventional financing. If nobody else does either the home will go back to the lender. Let that happen.

Let the home go to the lender and then once the home becomes an REO then go after it. If you do make the purchase from the lender all of the liens will be cleaned up and you will not have to worry about anything.

Also you know my stance about living in a home during the foreclosure process. All bets are off. Indeed while the state is very tenant friendly at one point or another you will be out of there. I always play things close to the vest and am conservative so yes while I would say you are safe until the trustee sale, after the trustee sale things do get a bit more dicey.

Finally as HLS said the 10 year has been on the move. Indeed from the low of 3.85 not less then 2 weeks ago we are almost 35 basis points up. This translates to a DIRECT hit on long term rates. It is not inconceivable that in another few months the 10 year can be back up another 50 bp thus bringing rates up as well. This will serve to help depress pricing and for those with cash, will be beneficial.

SD Realtor

[SD Realtor]

tg –

If you do make the purchase you will not be able to get it from the trustee sale. Don’t confuse an REO with a trustee sale.

The home you are living in now is (if I read your post correct) in default or close to it. The foreclosure process is essentially starting. The culmination of the process will be a public auction known as a trustee sale. Anyone can attend however in order to purchase the home at the trustee sale you will not be able to come in with conventional financing. If nobody else does either the home will go back to the lender. Let that happen.

Let the home go to the lender and then once the home becomes an REO then go after it. If you do make the purchase from the lender all of the liens will be cleaned up and you will not have to worry about anything.

Also you know my stance about living in a home during the foreclosure process. All bets are off. Indeed while the state is very tenant friendly at one point or another you will be out of there. I always play things close to the vest and am conservative so yes while I would say you are safe until the trustee sale, after the trustee sale things do get a bit more dicey.

Finally as HLS said the 10 year has been on the move. Indeed from the low of 3.85 not less then 2 weeks ago we are almost 35 basis points up. This translates to a DIRECT hit on long term rates. It is not inconceivable that in another few months the 10 year can be back up another 50 bp thus bringing rates up as well. This will serve to help depress pricing and for those with cash, will be beneficial.

SD Realtor

[SD Realtor]

tg –

If you do make the purchase you will not be able to get it from the trustee sale. Don’t confuse an REO with a trustee sale.

The home you are living in now is (if I read your post correct) in default or close to it. The foreclosure process is essentially starting. The culmination of the process will be a public auction known as a trustee sale. Anyone can attend however in order to purchase the home at the trustee sale you will not be able to come in with conventional financing. If nobody else does either the home will go back to the lender. Let that happen.

Let the home go to the lender and then once the home becomes an REO then go after it. If you do make the purchase from the lender all of the liens will be cleaned up and you will not have to worry about anything.

Also you know my stance about living in a home during the foreclosure process. All bets are off. Indeed while the state is very tenant friendly at one point or another you will be out of there. I always play things close to the vest and am conservative so yes while I would say you are safe until the trustee sale, after the trustee sale things do get a bit more dicey.

Finally as HLS said the 10 year has been on the move. Indeed from the low of 3.85 not less then 2 weeks ago we are almost 35 basis points up. This translates to a DIRECT hit on long term rates. It is not inconceivable that in another few months the 10 year can be back up another 50 bp thus bringing rates up as well. This will serve to help depress pricing and for those with cash, will be beneficial.

SD Realtor

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