Foreclosures,For,Sale,San,Dieg DIY Foreclosures For Sale in San Diego


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With more and more Bank Owned Homes come on the Market, you may be wondering how do I purchase one of those Bank Owned Homes.  Is it by auction?  Is that the starting bid?  Well, when you buy a Bank Owned Home from the San Diego MLS, it is not a by auction and the asking price isn’t the starting bid.  The Bank is just like a traditional Seller that hired a Real Estate Brokerage to sell their home.  The difference is the Bank has its own Addendum's and is Exempt on some disclosures.Now since you know it is not by Auction and the asking price isn’t the starting bid, you may be thinking what to offer if I see a Bank Owned home that I like.  Well, you can offer whatever you want, below the asking price or even above the asking price.  Many of these Bank Owned Homes are selling fast and some are selling above the asking price.  So the best way to approach is to find out if the Bank Owned Home has any offers and depending on the number of offers, you may have to be really aggressive on your offer.  If no offers, it’s time to negotiate to try to get the home a great price.I did mention earlier about the Bank has its own Addendum's and you will see them when you and the Bank has a mutual agreement on the price and terms.  Well as for those Addendum's, all Banks are different but you will typically see the Bank is selling the Home “Sold As Is” and are Exempt to certain Disclosures because the Bank has never lived in the home.  What does this all really means, the Bank doesn’t know much about the home so you should do Home Inspections.  So if it is a Home General Inspection, Foundation Inspection or Mold Inspection, whatever it is you have a concern about the home and want a piece of mind about, do the Inspection.Now for the Disclosures.  The Bank isn't Exempt from all Disclosures.  The common Disclosure that the Bank is Exempt from is the Real Estate Transfer Disclosure Statement (TDS).  This Disclosure asks key questions to the Seller about the condition of the home.  Remember, the Bank doesn't have to fill this out because they are Exempt so do your inspections.  One major Disclosure that Bank isn't Exempt from is the Natural Hazard Disclosure Report (NHD).  The Natural Hazard Disclosure Report will be ordered during Escrow and this report is important.  This report will include information about the home such as if it is in a Earth Quake Fault Zone, Flood Area Zone, Fire Hazard Area Zone and much more. In the end, you can get a great deal on these Bank Owned homes.  You will see a great price for these homes and would want to jump on them right away.  You can jump on them but be sure what you are doing and know what you are buying.

Foreclosures,For,Sale,San,Dieg

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