[jh]

Thanks SD Realtor. I looked at the Esmith post and the data was not compiled in the same manner as the DataQuick. There was a Union Tribune website that had the data, but it was wrong. They were missing months, zip codes, etc.

I guess I may have to take a trip to the library! Although I would like to avoid that if necessary. I don’t know if other people on this site compile the same data as me.

[jh]

Thanks SD Realtor. I looked at the Esmith post and the data was not compiled in the same manner as the DataQuick. There was a Union Tribune website that had the data, but it was wrong. They were missing months, zip codes, etc.

I guess I may have to take a trip to the library! Although I would like to avoid that if necessary. I don’t know if other people on this site compile the same data as me.

[jh]

Thanks SD Realtor. I looked at the Esmith post and the data was not compiled in the same manner as the DataQuick. There was a Union Tribune website that had the data, but it was wrong. They were missing months, zip codes, etc.

I guess I may have to take a trip to the library! Although I would like to avoid that if necessary. I don’t know if other people on this site compile the same data as me.

[jh]

Thanks SD Realtor. I looked at the Esmith post and the data was not compiled in the same manner as the DataQuick. There was a Union Tribune website that had the data, but it was wrong. They were missing months, zip codes, etc.

I guess I may have to take a trip to the library! Although I would like to avoid that if necessary. I don’t know if other people on this site compile the same data as me.

[jh]

Thanks SD Realtor. I looked at the Esmith post and the data was not compiled in the same manner as the DataQuick. There was a Union Tribune website that had the data, but it was wrong. They were missing months, zip codes, etc.

I guess I may have to take a trip to the library! Although I would like to avoid that if necessary. I don’t know if other people on this site compile the same data as me.

[jh]

That is not entirely true pedrocon. Read CA Civil Code 580d. If you refinance, and the lender pursues a non-judicial foreclosure (99.9% of lenders pursue non-judicial foreclosures), then the lender cannot sue you for a deficiency. It is still non-recourse. Of course, if you have two loans on the property, and you refinance them both, and the 2nd becomes a sold-out junior, then he can come after you for a deficiency. In other words, it would be a recouse loan in this situation.

[jh]

That is not entirely true pedrocon. Read CA Civil Code 580d. If you refinance, and the lender pursues a non-judicial foreclosure (99.9% of lenders pursue non-judicial foreclosures), then the lender cannot sue you for a deficiency. It is still non-recourse. Of course, if you have two loans on the property, and you refinance them both, and the 2nd becomes a sold-out junior, then he can come after you for a deficiency. In other words, it would be a recouse loan in this situation.

[jh]

That is not entirely true pedrocon. Read CA Civil Code 580d. If you refinance, and the lender pursues a non-judicial foreclosure (99.9% of lenders pursue non-judicial foreclosures), then the lender cannot sue you for a deficiency. It is still non-recourse. Of course, if you have two loans on the property, and you refinance them both, and the 2nd becomes a sold-out junior, then he can come after you for a deficiency. In other words, it would be a recouse loan in this situation.

[jh]

That is not entirely true pedrocon. Read CA Civil Code 580d. If you refinance, and the lender pursues a non-judicial foreclosure (99.9% of lenders pursue non-judicial foreclosures), then the lender cannot sue you for a deficiency. It is still non-recourse. Of course, if you have two loans on the property, and you refinance them both, and the 2nd becomes a sold-out junior, then he can come after you for a deficiency. In other words, it would be a recouse loan in this situation.

[jh]

That is not entirely true pedrocon. Read CA Civil Code 580d. If you refinance, and the lender pursues a non-judicial foreclosure (99.9% of lenders pursue non-judicial foreclosures), then the lender cannot sue you for a deficiency. It is still non-recourse. Of course, if you have two loans on the property, and you refinance them both, and the 2nd becomes a sold-out junior, then he can come after you for a deficiency. In other words, it would be a recouse loan in this situation.

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