[urbanrealtor]

[quote=AK]How long will it take to rack up $50 in junk fees with a Wells Fargo checking account?[/quote]
true dat

[urbanrealtor]

[quote=AK]How long will it take to rack up $50 in junk fees with a Wells Fargo checking account?[/quote]
true dat

[urbanrealtor]

[quote=donaldduckmoore]Here is an update. According to the clerk of the assessment appeals boards from the county of san diego, you need to use BOE-305-AH form to appeal for the changed assessment. Here is the link:

http://www.sdcounty.ca.gov/cob/aab/index.html

good luck.[/quote]

Okay had a conversation with the assessor’s office yesterday afternoon. The people there indicated that the comp-based request form (referenced by me earlier in this thread) is accepted in their office January-May. The more formal review (including a hearing) reference in the quoted comment, is taken July 1-Nov 30. Per them the reason for this is that the review is more formal and harder to prove.

I am not sure why they think that makes sense.

However, this is what I was informed of yesterday. When I delivered all those forms earlier this year and last, that was in the first half of the year.

[urbanrealtor]

[quote=donaldduckmoore]Here is an update. According to the clerk of the assessment appeals boards from the county of san diego, you need to use BOE-305-AH form to appeal for the changed assessment. Here is the link:

http://www.sdcounty.ca.gov/cob/aab/index.html

good luck.[/quote]

Okay had a conversation with the assessor’s office yesterday afternoon. The people there indicated that the comp-based request form (referenced by me earlier in this thread) is accepted in their office January-May. The more formal review (including a hearing) reference in the quoted comment, is taken July 1-Nov 30. Per them the reason for this is that the review is more formal and harder to prove.

I am not sure why they think that makes sense.

However, this is what I was informed of yesterday. When I delivered all those forms earlier this year and last, that was in the first half of the year.

[urbanrealtor]

[quote=donaldduckmoore]Here is an update. According to the clerk of the assessment appeals boards from the county of san diego, you need to use BOE-305-AH form to appeal for the changed assessment. Here is the link:

http://www.sdcounty.ca.gov/cob/aab/index.html

good luck.[/quote]

Okay had a conversation with the assessor’s office yesterday afternoon. The people there indicated that the comp-based request form (referenced by me earlier in this thread) is accepted in their office January-May. The more formal review (including a hearing) reference in the quoted comment, is taken July 1-Nov 30. Per them the reason for this is that the review is more formal and harder to prove.

I am not sure why they think that makes sense.

However, this is what I was informed of yesterday. When I delivered all those forms earlier this year and last, that was in the first half of the year.

[urbanrealtor]

[quote=donaldduckmoore]Here is an update. According to the clerk of the assessment appeals boards from the county of san diego, you need to use BOE-305-AH form to appeal for the changed assessment. Here is the link:

http://www.sdcounty.ca.gov/cob/aab/index.html

good luck.[/quote]

Okay had a conversation with the assessor’s office yesterday afternoon. The people there indicated that the comp-based request form (referenced by me earlier in this thread) is accepted in their office January-May. The more formal review (including a hearing) reference in the quoted comment, is taken July 1-Nov 30. Per them the reason for this is that the review is more formal and harder to prove.

I am not sure why they think that makes sense.

However, this is what I was informed of yesterday. When I delivered all those forms earlier this year and last, that was in the first half of the year.

[urbanrealtor]

[quote=donaldduckmoore]Here is an update. According to the clerk of the assessment appeals boards from the county of san diego, you need to use BOE-305-AH form to appeal for the changed assessment. Here is the link:

http://www.sdcounty.ca.gov/cob/aab/index.html

good luck.[/quote]

Okay had a conversation with the assessor’s office yesterday afternoon. The people there indicated that the comp-based request form (referenced by me earlier in this thread) is accepted in their office January-May. The more formal review (including a hearing) reference in the quoted comment, is taken July 1-Nov 30. Per them the reason for this is that the review is more formal and harder to prove.

I am not sure why they think that makes sense.

However, this is what I was informed of yesterday. When I delivered all those forms earlier this year and last, that was in the first half of the year.

[urbanrealtor]

My 2 bits:

Carina Antonino I have found to be quite good.

[email protected]

I came across here a few years ago. Recently, when my primary loan officer took an indefinite sabbatical, I called her. I have not yet had a bad experience. Further, most clients comment that they actually like her as well.

She also makes a point of beating any competitor’s GFE.

[urbanrealtor]

My 2 bits:

Carina Antonino I have found to be quite good.

[email protected]

I came across here a few years ago. Recently, when my primary loan officer took an indefinite sabbatical, I called her. I have not yet had a bad experience. Further, most clients comment that they actually like her as well.

She also makes a point of beating any competitor’s GFE.

[urbanrealtor]

My 2 bits:

Carina Antonino I have found to be quite good.

[email protected]

I came across here a few years ago. Recently, when my primary loan officer took an indefinite sabbatical, I called her. I have not yet had a bad experience. Further, most clients comment that they actually like her as well.

She also makes a point of beating any competitor’s GFE.

[urbanrealtor]

My 2 bits:

Carina Antonino I have found to be quite good.

[email protected]

I came across here a few years ago. Recently, when my primary loan officer took an indefinite sabbatical, I called her. I have not yet had a bad experience. Further, most clients comment that they actually like her as well.

She also makes a point of beating any competitor’s GFE.

[urbanrealtor]

My 2 bits:

Carina Antonino I have found to be quite good.

[email protected]

I came across here a few years ago. Recently, when my primary loan officer took an indefinite sabbatical, I called her. I have not yet had a bad experience. Further, most clients comment that they actually like her as well.

She also makes a point of beating any competitor’s GFE.

[urbanrealtor]

[quote=SD Realtor]Actually we are starting to see cases of what were originally classified as recourse loans indeed not going against the borrower. Some courts have found negligience (perhaps rightfully so) with the lending institutions. Furthermore don’t think for a moment that policy cannot change. If you think that these policies are indeed static you are sadly mistaken. Finally most all short sales now involve more then one mortgage. In these cases the second lien holder is usually out of luck and they know it and they release the lien without a formal note from the seller. [/quote]

On this specific topic, I just had a conversation with a short sale negotiator who kept insisting that the loan is full recourse. As long as the seller does not sign paper converting the deficiency balance can be turned into an unsecured note, the seller should be able to claim that the short sale is the conclusion of the debt and that the remaining debt is discharged. This advice is from counsel.

[urbanrealtor]

[quote=SD Realtor]Actually we are starting to see cases of what were originally classified as recourse loans indeed not going against the borrower. Some courts have found negligience (perhaps rightfully so) with the lending institutions. Furthermore don’t think for a moment that policy cannot change. If you think that these policies are indeed static you are sadly mistaken. Finally most all short sales now involve more then one mortgage. In these cases the second lien holder is usually out of luck and they know it and they release the lien without a formal note from the seller. [/quote]

On this specific topic, I just had a conversation with a short sale negotiator who kept insisting that the loan is full recourse. As long as the seller does not sign paper converting the deficiency balance can be turned into an unsecured note, the seller should be able to claim that the short sale is the conclusion of the debt and that the remaining debt is discharged. This advice is from counsel.

[urbanrealtor]

[quote=SD Realtor]Actually we are starting to see cases of what were originally classified as recourse loans indeed not going against the borrower. Some courts have found negligience (perhaps rightfully so) with the lending institutions. Furthermore don’t think for a moment that policy cannot change. If you think that these policies are indeed static you are sadly mistaken. Finally most all short sales now involve more then one mortgage. In these cases the second lien holder is usually out of luck and they know it and they release the lien without a formal note from the seller. [/quote]

On this specific topic, I just had a conversation with a short sale negotiator who kept insisting that the loan is full recourse. As long as the seller does not sign paper converting the deficiency balance can be turned into an unsecured note, the seller should be able to claim that the short sale is the conclusion of the debt and that the remaining debt is discharged. This advice is from counsel.

[Author]

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