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[iframe http://garyharmon.listingbook.com/cgi-bin/websites/templates/booklets/company_listings.php?uid=A101834 737 800]This is a fabulous opportunity for San Diego North County buyers!   Lender-mediated short-sales, pre-foreclosures, and bank owned North San Diego properties are available and can be found with the search tools on this website. Don’t expect today’s prices to be around forever. The banks have finally become aggressive about pricing their North County homes for sale, and investors are grabbing them up quickly. For more information or to see San Diego North County real estate, contact Gary Harmon, your top North County Realtor.

Tips on Contacting Escondido Home Owners in Default

Be quick in contacting the Escondido home owner.

You have always heard, “The early bird gets the worm.”  That is very true when trying to get a good deal on Escondido real estate.  You should not wait too long before you make contact with the Escondido home owner that is in default.  Remember it is 120 days from the notice of default until the bank usually takes back the Escondido house.  Once you have gotten together a down payment, have been prequalified with a good lender like HomeServices Lending, you need to make contact with the home owner for any Escondido property that you have interest in.

Be nimble when contacting the Escondido home owner.

You basically have the following three ways to contact the Escondido property owner.

  1. Send the Escondido property owner a note or letter.  An email would work, but you probably do not have that address.
  2. Call the Escondido home owner if you have a telephone number.
  3. Drive to the Escondido property and knock on the door.  I do not recommend the 3rd option; there may be risk involved.

You may find that you end up using some combination of the above three methods to get intouch with the owner.  Contacting these Escondido home owners who are in default can be the most intimidating step in trying to buy a pre-foreclosure Escondido property.  When the house is already bank owned (REO) you would be contacting a lender directly.  Inexperienced Escondido foreclosure buyers should contact their Escondido Realtor who has some expertise in Escondido foreclosures.

If you are able to make contact with the Escondido owner, remember that they have no obligation to talk to you or work with you.  Let them know that you will give them an option that will be beneficial to them as well as to you as the Escondido home buyer.  You want to make it win-win.  Help the Escondido home owner walk away from the bad situation that they are in without an Escondido foreclosure on their credit.  Even better if they can walk away with a minimum amount of cash.

Be professional will dealing with a pre-foreclosure owner of an Escondido home.

After you have made initial contact, try to set up a meeting so you can see the Escondido real estate and discuss the situations and many options.  Be sure to find out how many loans are against the Escondido home.  If the home is “underwater” where there is more debt than value to the home, you should probably just walk away.  It would be very difficult for you to negoiate a short sale on their Escondido property.

When you contact the Escondido owner they may not want to talk to you immediately.  In that case leave them your name, phone #, email address, etc. and tell them to call you if they change their mind.

Last Tip when contacting an Escondido pre-foreclosure owner.

Expect some rejection from the pre-foreclosure owner.  They are in a very bad and sometimes embarrasing situation.  Try to be sensitive that they are going through hard times.  They may feel that you are just there to try to take advantage of them.  In any case, be prepared, be respectful, and just move on if they are not interested.  Gary Harmon, your Escondido Realtor, has delt with many short sale and foreclosure situation.  Let his 21 years of experience help you save money and hassle on your next Escondido home purchase.

Pledge to Escondido Home Buyers during Negoiations

Escondido Floral

“Someone accepted the offer on the Escondido house that I wrote, now what?”   This is a question that I get from a lot of Escondido house buyers.   After week of searching, they have found their Escondido dream home.  Not it is time to write an offer and start the negoiations.  But, how much should you offer?  How much will be enough or too much?  Here are some of the things that happen during the negotiation process.  I will strive to provide the following services:

  • Review with my Escondido buyer all the forms and documents involved in buying Escondido real estate.  The purchase documents and supporting documentation on your Escondido home purchase are prepared online in a computer program called ” Winforms.”  These forms are uniform California Association of Realtor (CAR) forms used by all Escondido Realtors.  They can be printed, faxed, e-faxed, or sent to you as pdf attachments.
  • Provide a copy of all documents needed for the lender you have selected for your Escondido home purchase.   HomeServices Lending is one of the Gary Harmon team members and is an excellent choice.
  • Prepare a CMA (Comparative Market Analysis) showing comparable Escondido properties currently on the market, in escrow, or recently sold.  This comparison will aid you in making an informed decision on your initial offering price and any counters that are usually necessary.
  • Present your  Escondido real estate purchase offer to the sellers on your behalf.
  • Present your Escondido home purchase offer in a timely manner and in person if you desire.
  • Discuss with Escondido buyers the most comfortable negotiating strategy and work within your parameters based on our current Escondido housing market conditions.
  • Based on the type of Escondido housing offer you choose to write, discuss the best possible strategy to get your offer approved.
  • Inform you immediately of the Escondido sellers response to your offer when presented.
  • Keep you updated daily on the progress be made during the negoiations.  If your offer is on a bank owned property or short sale, will keep you up to date as information becomes available.
  • Deliver to you the final executed purchase documents on your new Escondido real estate.

For more information on what takes place during the purchase of Escondido properties, contact Gary Harmon, your Escondido Realtor.  See Gary’s eariler post on what takes place during a home search:  http://www.garyharmon.com/buyers/garys-service-pledge-to-escondido-buyers.  Watcht for a new post  that will  describe what happens during the escrow period on your Escondido house.  Gary is proud to recomment Pickford Escrow.

Gary's Service Pledge to Escondido Buyers

Escondido HomeDuring Escondido Home Search

  • Guard your privacy by keeping all aspects of your Escondido property search confidential.
  • Keep you updated on newly listed Escondido houses or price changes.
  • Set up custom Escondido property searches on the Internet that meet your desired critera.
  • Search daily the San Diego MLS for new Escondido homes for sale.
  • Search daily for “unlisted Escondido properties.”
  • Communicate with you reguarding your Escondido home search in the manner you choose:  email, phone, text.
  • Assist you as necessary in getting an pre-approval letter from a lender li ke HomeServices Lending.
  • Provide you with market information on Escondido properties needed to make an informed purchase decision.
  • Tour the local Escondido homes for sale with you.

For more information on buying an Escondido houses, contact Gary Harmon, your local Escondido Realtor.  Watch for future post on the negotiating process and the escrow process when buying Escondido real estate.