In a Forbearance Agreement, the bank agrees to hold back its legal right to exercise foreclosure on you. They agree to this because they come up with a plan to get you on track with your mortgage payments after giving you a certain period of time to recover. With Forbearance, your mortgage payments are either reduced or suspended for a time set by the lender.After the Forbearance period, you have to resume making the old payments together with some additional partial payments to cover the debts and eventually get the loan on track. Banks may require you to make a single, lump sum payment by a certain date to cover all the missed payments. Also, the mortgage company may be willing to grant forbearance to people whose incomes have been temporarily decrease because of specific situations, ... 04/19/2012

In Ladera Ranch home prices have recently reached a plateau, but it is still a buyer’s market and the supply of homes listed has started growing relative to demand. This could mean that prices could move downward until the demand increases. With inventory and days-on-the market basically unchanged prices could remain the same or drop until there is a change in sales activity. This is good news as rates are still low and you can buy a lot of home for your money in Ladera Ranch as compared to January of 2008. The average price is $629,500 for a 2554 Sq. Ft. home in Ladera Ranch, CA. Download this report Read more on Ladera Ranch's trend report. Thanks for reading this. Articles on short sales. Phone: (949) 244-0444. arna@ehome.com. Experience, Excellence and Service View my homes for sale... 02/27/2012

The bottom of the market may have already happened in Ladera Ranch home prices. Inventory is going down because when you factor in the number of homes that can actually close escrow because they are an equity sale of a foreclosure sale, you won’t find that many homes that are available to buy in 30 days. Because of that, the trend is heading up for prices. No one really knows when the bottom of the market will hit. No bell will ring to tell you it is time to start buying. Interest Rates are extremely low and there is a pent up demand for people who have been waiting for the market to hit bottom. As of today there are only 81 homes for sale in Ladera Ranch, CA which is a community of over 6000 residences. In addition there are 161 homes in a Backup or Pending status of escrow. There is l... 02/22/2012

Here’s a run-through on key questions you should ask a home inspector before hiring him/her: 1. What types of licenses, certificates or designations do you hold? There are many state and national associations for home inspectors, including the National Institute of Building Inspectors (NIBI) or the American Home Inspectors Institute (AHII). There is no official government regulation of the home inspection industry, therefore, remember to request to see their membership ID. Certification by one of the major organizations guarantees that the inspector meets the proper guidelines. A good home inspector will have years of experience and continue to pursue and update his/her education in the field. Related experience in construction or engineering is helpful, but not a substitute. 2. What is... 02/22/2012

Sadly, no;lenders don’t always agree to loan modification requests on Ladera Ranch homes.That’s why if you decide to explore this option, you need to get all the information you can get on the subject. Lenders call the loan modification process "Loss Mitigation," which is the act of reducing the lender's losses whether they approve a loan modification, short sale, or foreclose on a Ladera Ranch property. Depending on the type of loan and delinquency, the lender’s loss mitigation specialist will provide a wide array of strategies for repaying your loan. If you’re interested in having my advice on how to avoid foreclosure on your Ladera Ranch, I can help you make the decision on whether a loan modification is the best choice for your situation. And if you decide that a loan modification ... 02/10/2012

Ladera Ranch Five Bedroom House - Just Sold By IML Real Estate 2 Black Cherry Ladera Ranch, CA Sold For $835,000!   Brian & Dave | IML Real Estate | (949) 378-6402   Located close to Avendale Club & Pool   Beautiful Cul-De-Sac Home on a Large Lot In Ladera Ranch. 5 Bedroom/3 Bath  $839,000 Year Built 2002 Sq Footage 3,000 Bedrooms 5 Bathrooms 3 Floors 2 Parking 3 Car garage Lot Size 8,712 sqft HOA/Maint $163 p/mos     Description Huge Lot with tot lot and water feature.  Covered patio with gas fireplace.  Amazing upgrades everywhere.  Bonus room, coffered ceiling in living & dining room, hardwood floors, crown moulding, custom baseboards, extensive outdoor living area, granite counters in kitchen, marble floored master bath, custom woodwork, plantation shutters, custom lighting fixtures... 11/15/2011

OPEN HOUSE - Ladera Ranch 3 Bedroom Townhome     Brian Doubleday  | IML Real Estate | (949) 378-6402 OPEN HOUSE - November 19th 1-4pm Ladera Ranch 3 Bedroom Townhome 35 Strawflower St.  Ladera Ranch, CA Light & Bright - Great Location!     Year Built 2003 Sq Footage 1,530 Bedrooms 3 Bathrooms 2 full, 1 partial Floors 2 Parking 2 Car garage Complex Charleston Place View Hill & Greenbelt View DESCRIPTION AMAZING LADERA RANCH TOWNHOME. Open floor plan with attached 2 Car garage.  Hard wood floors and carpet throughout.  Huge custom walk-in closet in master.  Located across from Cherry Plunge pool & park in Avendale Village.  Great location within walking distance from Founders Park, Avendale Clubhouse, and Ladera Elementary & Middle schools.  Offered at $320,000   see additional photos be... 11/10/2011

Ladera Ranch 3 Bedroom Townhome JUST LISTED - IML Real Estate   Brian Doubleday & Dave Gubler | IML Real Estate | (949) 378-6402 35 Strawflower St, Ladera Ranch, CA Ladera Ranch 3 Bedroom Townhome JUST LISTED 3BR/3BA Townhome     Year Built 2003 Sq Footage 1,530 Bedrooms 3 Bathrooms 2 full, 1 partial Floors 2 Parking 2 Car garage Complex Charleston Place View Hill & Greenbelt View DESCRIPTION AMAZING LADERA RANCH TOWNHOME. Open floor plan with attached 2 Car garage.  Hard wood floors and carpet throughout.  Huge custom walk-in closet in master.  Located across from Cherry Plunge pool & park in Avendale Village.  Great location within walking distance from Founders Park, Avendale Clubhouse, and Ladera Elementary & Middle schools.  Offered at $320,000   see additional photos below PROPERT... 11/02/2011

Orange County Real Estate News For Ladera Ranch Ladera Ranch California Real Estate For Sale including: Forecloures, REO Properties For Sale, and Short Sale Offerings. Ladera Ranch in South Orange County, California is just outside the city limits of San Juan Capistrano, Rancho Santa Margarita and Mission Viejo has features that differentiate it from most others. Traffic speed-reducing measures were put into use and roundabouts are common place on the smaller intersections. Narrow well landscaped residential streets even on two-lane collector streets like O'Neill, Crown Valley, and Sienna Parkways. The Ladera Ranch community also has key-accessed private water and skate park, 18 community parks, dog park, six "plunges" (smaller neighborhood pools not connected to a clubhouse), many "po... 10/28/2011

Orange County Real Estate News For Ladera Ranch Real Estate, Demographic, Community & Geographic Information For Ladera Ranch California Within Ladera Ranch there are “Villages” and “Neighborhoods”. Approximately 10 or so homes to a neighborhood and ten or more neighborhoods per village, and there are nine villages. Ladera Ranch Villages are named: (Oak Knoll Village, Bridgepark, Flintridge Village, Township, Wycliffe Village, Echo Ridge Village, Avendale Village, Terramor Village, Covenant Hills Village). Five of the nine villages have clubhouses, and all have parks, pools, playgrounds and open areas within each. Ladera Ranch is a wonderful place to live and raise a family. Below you'll find easy to access links to all types of information regarding Ladera Ranch California including: ... 10/28/2011

Ladera Ranch FHA Approved Condos & Townhomes (FHA Approval status updated October 24th, 2012) Ladera Ranch: There are nineteen  tracts of homes designated as condominiums in Ladera Ranch.  Of the nineteen neighborhoods of condos nine are FHA approved as of October 24th, 2012. Click on the neighborhood name in the chart below to see all of the homes currently for sale (Active & Backup Offer Status). An Ounce Of Prevention: If you are planning on using an FHA loan to finance a condo it is vital to know ahead of time (before you waste time and effort touring homes that are not eligible) which tracts/neighborhoods of condos are FHA approved. There is no exception to this FHA rule... the project/tract/neighborhood must be FHA approved. Dave's 2-Cents: It is also prudent to check the expirati... 10/09/2011

LADERA RANCH GREAT PUMPKIN FESTIVAL & FLASHLIGHT CANDY HUNT When: SATURDAY, OCTOBER 22  4:30-7:30pm Where:  Town Green   FLASHLIGHT CANDY HUNT: 6:30—7:30 pm   PUMPKIN PATCH FOR LREF: 4:30-6:30 pm Buy your Pumpkins Here Pumpkin Decorating Hayrides & Costume Parade @ 6:00pm   Wear your favorite Costume & Bring a flashlight and a bag to collect loads of candy!   Thinking of moving to Ladera Ranch to take advantage of our awarding winning schools and all Ladera Ranch has to offer...please contact me or use the links below to learn more about the community of Ladera Ranch and its Properties                                  Search Ladera PropertiesOur Ladera Ranch Page  10/05/2011

Ladera Ranch 2011 Oktoberfest When:  Saturday October 8th, 2011 11am-7pm Where:  Ladera Ranch Town Green Cost:  $5 Admission Fee (12 and under free)   Live Oompah band, Beer tasting, and Wiener Dog races...lots of crafts & events for the kids.  This a great community event that adults & kids alike will enjoyDon't miss the festivites! Thinking of moving to Ladera Ranch to take advantage of our awarding winning schools and all Ladera Ranch has to offer...please contact me or use the links below to learn more about the community of Ladera Ranch and its Properties                                  Search Ladera PropertiesOur Ladera Ranch Page  10/05/2011

Aldenhouse Condos For Sale - Ladera RanchAldenhouse is a tract of 80 condominiums in the Township Village of Ladera Ranch. Built by Greystone in 2001 these 2 to 3 bedroom homes range from 1,557 to 1,939 square feet in size.  2 car attached garages with direct entry access are standard.  Of the 18 tracts/neighborhoods of condominiums in Ladera Ranch Aldenhouse is one of only eight FHA approved condo tracts.  Chaparrel Elementry, Ladera Ranch Intermediate, & Tesoro High School. Streets: Albany, Ballard, Bloomington, Daley, First, Granville, Norfolk, Post, State, Union  REQUEST FLOOR PLANS 10/03/2011

Ladera Ranch 5 Bedroom Home JUST LEASED - IML Real Estate   Brian Doubleday & Dave Gubler | IML Real Estate | (949) 378-6402 7 Brookwood St, Ladera Ranch, CA Ladera Ranch 5 Bedroom Home JUST LEASED 5BR/2+1BA Single Family House     Year Built 2002 Sq Footage 3,050 Bedrooms 5 Bathrooms 2 full, 1 partial Floors 2 Parking 2 Car garage Lot Size 5,227 sqft HOA/Maint $0 per month DESCRIPTION AMAZING LADERA RANCH HOME. This home has it all! Located on a cul de sac street, this home has been upgraded and improved in virtually every way imaginable with the highest quality materials and workmanship. Private extensive outdoor living area with fireplace, spa & built in BBQ. Custom appointments abound. Speakers throughout the house & Backyard. Bonus room, crown moulding, custom baseboards, granite c... 09/27/2011

Run!!!  Don't walk to this incredible deal on a Ladera Ranch Fixer Upper!  This Ladera Ranch Surrey Farm Fixer Upper is 3 bedrooms/ 3 baths with more than 1400 sq ft and is located in the highly sought after Surrey Farm tract in Ladera Ranch.  It boasts white picket fences and a 2 car attached garage.  This very charming home is priced at just $375,800!!!     Call Mark to see this Ladera Ranch Fixer today!!   949 378-7222 09/21/2011

If you are one of those home buyers who have champagne taste on a soda pop budget, this immaculate foreclosure in Ladera Ranch is for you!   !   Get this.  It's a roomy 1086 square feet with one bedroom and one and one half bath with a bonus loft for only $209,000.  The last time this home sold in March of 2006 when prices hadn't even reached their peak it went for $400,000.  In fact, a model match on Sansovino sold for $420,000!   This home is in the Sansovino tract of condominiums. It has quite a few other things going for it.  One feature that I love is the new solid granite counter tops and the custom blinds. This Sansovino home has a feeling of openness.  It also has a built in desk in the bonus loft.     Like many Orange County foreclosures and homes for sale that are at a bargai... 09/15/2011

Ladera Ranch Summer Concert Series The Summer Concert Series is Back!  Bring the family out for a warm night of music and festivities.    Sponsored by Cox Communications, the series has an excellent line-up of bands.  Bring your chairs, blankets, and picnics.  Dogs & umbrellas/shade covers are not allowed.  When:  Fridays July 15th-August 12th             6:30pm-8:30pm Cost:  Free (Concession booths will be set up to purchase food) Where:  Town Green Schedule of Bands: July 15th- The Fenians, Traditional/Contemporary Irish July 22nd- Led Zepagain, Led Zepplin Tribute Band July 29th- The Silverados, Country August 5th- Jumping Jack Flash, Rolling Stones Tribute Band August 12th- Betamaxx, 80's Band August 20th- The Blues Odyssey, Blues Thinking of moving to Ladera Ranch to take advantage... 07/15/2011

Ladera Ranch Short Sale - Just Sold - 8 Parliament Place Another short sale success story! Favorable short sale approvals obtained from both lenders (1st Mortgage = Wachovia and the 2nd Mortgage  = Bank Of America) and over $300,000 forgiven our clients can now move on safely to better times. We were able to get both lenders to release their deficiency rights and secured a $5,000.00 incentive paid to the seller from the 1st mortgage lender. Learn more about short sales... All About Short Sales. See the short sale approval letter from the bank... Ladera Ranch Wachovia Short Sale Approval Letter   Brian & Dave | IML Real Estate | (949) 378-6402 8 Parliament Place, Ladera Ranch, CA Turnkey Cul-De-Sac Home In Ladera Ranch 4BR/2+1BA Single Family House   SOLD AT $561,000 Year Built 2003 Sq F... 07/13/2011

What is a BPO and Why is it Important to Short Sale Success?       There are many real estate agents who hate short sales. Why should that be? The answer is simply because they really don't understand them too much better than their clients do. It is essential that agents in Orange County, in particular Ladera Ranch where many are headed towards foreclosure, to understand the lingo and then translate that info to their clients. I'm going to explain what a BPO was and why it is so important to short sale success. So here we go:      There are two things a broker doing a short sale must understand with absolute clarity. The HUD 1s and BPOS. BPO is an acronym for "Broker's Price Opinion" And getting the wrong BPO is where everything can begin to fall apart.      The BPO is an independent r... 07/13/2011