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Can an HOA Repossess Your House

Can an HOA Foreclose on Your House and Take Your Property

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An unpaid HOA balance smaller than one month’s mortgage payment can end up with a home sold at auction. So yes, an HOA can take your house, and that isn’t a scare tactic. HOAs hold real lien power in most states, and a small number of them use it. The equity riding on one of … Continued
Foreclosure Sign in Front Yard of Oregon Home Facing Trustee Sale

When Is It Too Late To Stop A Home Foreclosure In Oregon

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Most Oregon homeowners facing foreclosure assume they’ve already missed their window. They sit on the notice of default for weeks while the clock runs down. Your options don’t vanish overnight. They do narrow, and they narrow fast. Knowing where you stand in the process is what separates a sale you control from an auction on … Continued
Can Medical Bills Take Your House in Oregon

Can Medical Bills Take Your House In Oregon

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A medical crisis hits, the bills stack up, and then a letter shows up from a collections attorney. You feel that gut punch the second you open the envelope. Maybe you own a home in Beaverton, Milwaukie, or out in Hillsboro. Now you’re wondering whether somebody can really take your house over a hospital bill. … Continued
Can Another Individual Take Over My Mortgage Washington

Can Someone Take Over My Mortgage in Washington

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A seller called me one Tuesday afternoon from Gig Harbor, worn out. She’d inherited the house from her mother, wanted nothing to do with keeping it, and her first question skipped right past price. She asked, “Can someone just take over my payments and be done?” Put another way: can someone take over my mortgage … Continued
Quitclaim Deed for Selling a Home Oregon

Quitclaim Deed Divorce in Oregon

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Splitting a home during a divorce is one of the most stressful financial decisions a couple can face, and plenty of Oregon homeowners sign documents they only partially understand. A quitclaim deed shows up in nearly every divorce case involving real property. Most people still walk away from closing without knowing what it actually did or what … Continued
The Cost of FSBO Oregon

FSBO Costs in Oregon: Fees, Expenses, and Savings

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Most people who try to sell FSBO in Oregon think they’re making a smart financial move. Sometimes they are. Sometimes they walk away with less money than if they’d hired an agent, paid a flat fee for MLS service, or just called a direct buyer in the first place. What matters isn’t how much commission … Continued
Selling Trust Property After a Loved One’s Passing in Washington

Selling a House in a Trust After Death in Washington

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A family I worked with two weeks ago called me on a Wednesday from a stack of papers they didn’t understand. Their mother had passed two months earlier, the house in Vancouver was sitting empty, the mortgage was still running, and three siblings couldn’t agree on who was supposed to do what. They had a … Continued
How To Attract Buyers For Distressed Property Washington

How To Attract Buyers For Distressed Property In Washington

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A distressed house sitting in Tacoma’s South End with a sagging carport, a cracked driveway, and a citation from the county code enforcement office is not unsellable. It just needs the right buyer. Bridging the gap between “nobody will touch this” and “closed in two weeks” is what attracting buyers for distressed property in Washington … Continued
Average Time To Sell A House Washington

How Long Does It Actually Take to Sell a House in Washington

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Most sellers guess wrong. They picture a quick sign in the yard, a weekend of showings, and a check in hand by next month. Sometimes that happens. More often, the timeline stretches in ways nobody warned them about, and the holding costs quietly eat into whatever profit they were counting on (carrying costs compound faster … Continued
How to Sell a House With Tenants Behind on Rent in Oregon

How To Sell A House With Tenants Not Paying Rent In Oregon

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Rent stopped coming in months ago. Your tenant stopped answering your calls. And now you’re sitting on an Oregon rental in Gresham, Beaverton, or Salem that’s costing you money every single day, wondering whether you’re legally allowed to sell it at all, and if so, how. You can sell. Selling a house with tenants not … Continued
Cost of MLS Listing in Oregon

How Much It Costs To List Your Oregon Home On The MLS

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Most sellers I talk to across the state are shocked when they realize how much of their equity walks out the door in commissions. A $500,000 home in the Willamette Valley. A 5 to 6 percent commission. There goes $25,000 to $30,000 before you’ve paid a single closing cost. Here is what almost nobody tells … Continued