wreckingball_sanjose foreclosure costs
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8/3/2019 WreckingBall_SanJose Foreclosure Costs
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V`jj X{ull{
[ml
XLY[LAELU 5900
VULHBOGFE@JJ
Vm`{ Dnulhjnx|ulx
@ul Hnx{ogf X`g Cnxl
Glofmenumnnkx
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[ml H`jodnugo` Ulogtlx{alg{ Hn`jo{ong -HUH/ `ktnh`{lx dnu d`ou `gk lp|`j `hhlxx
!oghnal hnaa|go{olx
`gk hnaa|go{olx nd hnjnu' HUH ox alaeluxmoy nuf`gos {ong nd ntlu 899
gngyundo{x `gk y|ejoh `flgholx oghj|kogf mn|xogf hn|gxljnux* hngx|alu
`ktnh`{lx* hnaa|go{ nuf`gos`{ongx* jlf`j xlutohl yuntoklux* gk lhngnaoh
kltljnyalg{ yu`h{o{onglux' Dn|gklk og 0?=4* HUH `ktnh`{lx vo{m ynjoha`blux
! y`u{oh|j`uj og
jlgkogf* dog`gho`j yunk|h{x gk xlutohlx* gk ogtlx{alg{x! {n H`jodnugo`&x jnv!oghnal hnaa|go{olx gk hnaa|go{olx nd hnjnu'
@jjo`ghl nd H`jodnugo`gx dnu Hnaa|go{y Lanvlualg{ -@HHL/ ox a|j{o!u`ho`j*
klanhu`{oh* gng!yundo{ hnaa|go{ nuf`gos`{ong e|ojkogf ynvlu og jnv {nanklu`{l oghnal glofmenumnnkx {n x{`gk gk dofm{ dnu xnho`j* lhngnaoh gk
u`ho`j c|x{ohl' @HHL m`x hm`y{lux og ljltlg hn|g{olx `hunxx {ml X{`{l nd H`jodnugo`'
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[ml V`jj X{ull{ VULHBOGF E@JJ;
Dnulhjnx|ulx |gkluaogl `g lhngnaoh ulhntluy `gk hnx{ cnex' @gn{mlu `j`uaogf oay`h{ nd {ml mn|xogf huoxox ox {ml ntlum`gf nd |gkluv`{lu anu{f`fl kle{* vmohm ox
gnv ngl nd {ml yuoa`u ku`fx ng lhngnaoh ulhntlu' Glf`{otl lp|o{* nd{lg uldluulk {n `x
!! {m`{ al`gx `janx{ `
{mouk nd mnalnvglux `ul |gkluv`{lu ng {mlou anu{f`flx'
H`jodnugo` mnalnvglux ul |gkluv`{lu e +599 eojjong x ` ulx|j{ nd {ml V`jj X{ull{!hul`{lk mn|xogf
huoxox' [m`{ al`gx `x mnalnvglux ntluy` ng {mlou anu{f`flx* V`jj X{ull{ kltn|ux +59 eojjong `gg|`jj'
[mox ox angl {m`{ vn|jk n{mluvoxl fn og{n n|u lhngna og {ml dnua nd hngx|alu xylgkogf od e`gbx
vun{l knvg al`gx e`gbx
vn|jk vuo{l knvg anu{f`flx {n a`ubl{ t`j|l `gk uldog`ghl mnalnvglux og{n 89!l`u do}lk jn`gx `{
h|uulg{ a`ubl{ og{lulx{ u`{lx'
H`jodnugo` m`x ntlu 5 aojjong mnalx |gkluv`{lu -89, nd `jj anu{f`flx/ e +599 eojjong'
Do}ogf {ml |gkluv`{lu huoxox e vuo{ogf knvg anu{f`flx vn|jk x`tl H`jodnugo` mnalnvglux
+=09 ltlu ang{m `gk y|ay +59 eojjong `gg|`jj og{n jnh`j lhngna' }t
Vo{m {ml l}{u` +=09 ylu ang{m* mnalnvglux hn|jk x{`u{ xylgkogf `f`og* a`bogf y|uhm`xlx {mlm`tl ellg y|{{ogf ndd' [ml oghul`xl og hngx|alu kla`gk vn|jk og {|ug mljy xy|u 899*999 cnex
og H`jodnugo`'
X`g Cnxl m`x <0*049 mnalnvglux |gkluv`{lu -5;,/ e +;'6 eojjong' Od e`gbx vun{l knvg {mnxl
anu{f`flx* o{ hn|jk y|ay +;?6 aojjong og{n jnh`j lhngna `gk xy|u 6*8;? cnex'
Do}ogf \gkluv`{lu Anu{f`flx Vn|jk X|u Lhngnaoh Ulhntluy
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XLY[LAELU 5900 <
3V`jj X{ull{ Xmn|jk Y`y [mlou D`ou Xm`ul3 [ml e`gbx hnjj`yxlk {ml lhngna gk hul`{lk {ml mn|xogf
huoxox vo{m {mlou ulhbjlxxglxx `gk yulk`{nu jlgkogf yu`h{ohlx' H|uulg{j* {`}y`lux `ul elogf dnuhlk {n
`exnue {ml jnxxlx {n mnal t`j|lx gk {ml hnx{x {n jnh`j fntlugalg{x' H`jodnugo` xmn|jk ogx{o{|{l
Dnulhjnx|ul Dll* a`bogf {ml e`gbx y` +09*999 {n +59*999 ylu dnulhjnx|ul {n y`u{o`jj uloae|uxl jnh`j
`gk x{`{l fntlugalg{x dnu {ml hnx{x nd {mox huoxox' [mox dll vn|jk u`oxl un|fmj +5 eojjong {n +; eojjongntlu {ml gl}{ l`u'
H`jodnugo` Gllkx X{ungf @F Xl{{jlalg{' [ml h|uulg{ a|j{o!x{`{l @{{nuglx Flglu`j ogtlx{of`{ong og{n
unen!xofgogf gk n{mlu xlutohogf e|xlx gllkx {n yuntokl al`gogfd|j uljold dnu H`jodnugo` d`aojolx gk
glofmenumnnkx' @g `fullalg{ a|x{ oghj|kl 0/ ` j`ufl xl{{jlalg{ `v`uk {m`{ ox hnaalgx|u`{l vo{m {ml
m`ua h`|xlk e e`gb yu`h{ohlx2 5/ joao{lk uljl`xlx nd jo`eojo{olx xn e`gbx `ul gn{ jl{ ndd {ml mnnb dnu
|gogtlx{of`{lk hj`oax2 8/ a`gk`{lk yuoghoy`j ulk|h{ongx {m`{ ul d`ouj kox{uoe|{lk {n hnaa|go{olx
m`uklx{ mo{ e yulk`{nu jlgkogf `gk dnulhjnx|ul2 `gk ;/ ulx{o{|{ong {n mnalnvglux vmn jnx{ {mlou
yunylu{olx k|l {n e`gb&x ouulxyngxoejl gk ojjlf`j dnulhjnx|ul yu`h{ohlx'
V`jj X{ull{ E`gbx A|x{ X{n Yultlg{`ejl Dnulhjnx|ulx3 Ulk|hogf dnulhjnx|ulx ox fnnk dnu d`aojolx*
hnaa|go{olx `gk {ml lhngna' E`gbx xmn|jk el x|eclh{ {n hn|u{!e`xlk a`gk`{nu alko`{ong yunfu`ax
{n fotl mnalnvglux ` d`ou xmn{ `{ fl{{ogf ` jn`g ankodoh`{ong' E`gbx a|x{ `jxn el dnuhlk {n d|jj lgk {ml
k|`j {u`hb yunhlxx* hng{untluxo`j yu`h{ohl vmlule mnalnvglux glfn{o`{ogf jn`g ankodoh`{ong og
fnnk d`o{m dogk {m`{ {ml e`gb m`x gngl{mljlxx yunhllklk vo{m dnulhjnx|ul gk {`blg {mlou mnalx'
V`jj X{ull{ A|x{ Hjl`g \ `gk Y`y dnu Dnulhjnx|ul!Ulj`{lk Ejofm{3 T`h`g{ dnulhjnx|ulx |g`{{lgklk e
e`gbx m`tl elhnal a`fgl{ dnu ejofm{ gk ojjoho{ h{oto{ {m`{ d|u{mlu klx{`eojoslx glofmenumnnkx
`jul`k klhoa`{lk e dnulhjnx|ulx' E`gbx a|x{ a`og{`og `gk y` dnu {ml hjl`g|y nd ejofm{lk* t`h`g{
mnalx og glofmenumnnkx'
y|xmlk
mnalnvglux og{n mofm!hnx{ jn`gx {ml hn|jkg&{ ddnuk gk {mlg yunay{j h`xmlk n|{ e xljjogf {ml jn`gx
{n ogtlx{alg{ e`gbx {m`{ {|uglk {mla og{n anu{f`fl!e`hblk xlh|uo{olx -AEX/' [mox voklxyul`k yu`h{ohl*
vmohm x{`u{lk `angf x|eyuoal jlgklux e|{ v`x p|ohbj `kny{lk e {ml eof e`gbx* hul`{lk `gk ogdj`{lk
{ml mn|xogf e|eejl' E`gblux gk eunblux u`blk og alf`!eng|x hmlhbx a`bogf mnalnvglux t|jglu`ejl'
Vmlg V
eng|xlx e|{ H`jodnugo`gx jnx{ eojjongx og x`togfx og {mlou mnalx'
!knh|alg{lk gk hng{og|lx {n m`tl klt`x{`{ogf hngxlp|lghlx x {ml
|xl dj`vlk!`gk* og xnal h`xlx* du`|k|jlg{!!yunhlk|ulx {n djnnk {ml mn|xogf a`ubl{ vo{m dnulhjnx|ulx{m`{ ul {munvogf m|gkulkx nd {mn|x`gkx nd H`jodnugo` d`aojolx n|{ nd {mlou mnalx' [ml {n{`j koxulf`uk
dnu anu{f`fl j`vx `gk x{`gk`ukx ox {ml j`{lx{ l}`ayjl nd ` yulk`{nu ogk|x{u {m`{ hng{og|lx {n
klt`x{`{l d`aojolx `jul`k mo{ m`uk e {ml lhngnaoh huoxox'
H|uulg{j* {ml dotl j`uflx{ anu{f`fl hnay`golx og {ml \'X' `ul |gklu ogtlx{of`{ong e `jj <9 x{`{l
@{{nuglx Flglu`jx dnu dnulhjnx|ul du |k' [ml a` el ng {ml mnnb dnu anul {m`g +59 eojjong og
k`a`flx' Mnvltlu* {mox `an|g{ ox gn{ gl`uj lgn|fm {n hnaylgx`{l hnaa|go{olx dnu {ml m`ua {m`{
m`x ellg kngl* `x {mox ulynu{ knh|alg{x'
Vmn ox Ulxyngxoejl dnu {mox Alxx>
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[ml V`jj X{ull{ VULHBOGF E@JJ4
y jlgkogf u`h{ohlx m`tl klt`x{`{lk H`jodnugo`' Jlgklux |xmlk mnalnvglux og{n mofm!hnx{
{`}`ylux `gk fn{ {n bll {mlou eng|xlx e|{ H`jodnugo`gx jnx{ eojjongx og x`togfx og {mlou mnalx'
E@GB ND @ALUOH@
HLN Euo`g Angom`gDlklu`j {`}y`lu e`ojn|{ d|gkx ulhlotlk3}too +589'0 eojjong}tooo Yundo{x xoghl e`ojn|{ -599?!5909/3 +;'9 eojjong5909 HLN Euo`g Angom`g eng|x3 +?'9< aojjong
}o} 5909 HLN Euo`g Angom`g {n{`j y`3 +09 aojjong}} 5909 eng|xlx `gk hnaylgx`{ong3 +8<'0 eojjong
CY ANUF@G HM@XL
HLN C`aol KoangDlklu`j {`}y`lu e`ojn|{ d|gkx ulhlotlk3 }}o +099'6 eojjong}}oo Yundo{x xoghl e`ojn|{ -599?!5909/3 +5?'0 eojjong599? HLN C`aol Koang y`3
}}ooo+06'< aojjong
}}ot
5909 eng|xlx `gk hnaylgx`{ong3 +5='; eojjong
VLJJX D@UFN
HLN Cnmg X{|aydDlklu`j {`}y`lu e`ojn|{ d|gkx ulhlotlk3 }}t +;8'6 eojjong}}to Yundo{x xoghl e`ojn|{ -599?!5909/3 +5;'4 eojjong5909 HLN Cnmg X{|ayd eng|x3 +0;'8 aojjong}}too 5909 HLN Cnmg X{|ayd {n{`j y`3 +06'0 aojjong
}}tooo
5909 eng|xlx `gk hnaylgx`{ong3 +56'5 eojjong
HO[OFUN\Y
HLN Tobu`a Y`gko{Dlklu`j {`}y`lu e`ojn|{ d|gkx ulhlotlk3 }}o} +;0;'? eojjong}}} Yundo{x xoghl e`ojn|{ -599?!5909/3 +?'9 eojjong599=!5909 HLN Tobu`a Y`gko{ y`3 09'= aojjong}}}o 5909 eng|xlx `gk hnaylgx`{ong3 +5;'; eojjong
FNJKA@G X@HMX
HLN Jjnk Ej`gbdlogDlklu`j {`}y`lu e`ojn|{ d|gkx ulhlotlk3 }}}oo +<8'; eojjong}}}ooo Yundo{x xoghl e`ojn|{ -599?!5909/3 +50'6 eojjong5909 HLN Jjnk Ej`gbdlog eng|x3 +05'4 aojjong
}}}ot
5909 HLN Jjnk Ej`gbdlog {n{`j y`3 +08'5 aojjong
}}}t
5909 eng|xlx `gk hnaylgx`{ong3 +0<'; eojjong
ANUF@G X[@GJL_
HLN C`alx Fnua`gDlklu`j {`}y`lu e`ojn|{ d|gkx ulhlotlk3 }}}to +84'8 eojjong}}}too Yundo{x xoghl e`ojn|{ -599?!5909/3 +4'9 eojjong599? HLN C`alx Fnua`g y`3 +0<'9 aojjong}}}tooo 5909 eng|xlx `gk hnaylgx`{ong3 +04'9 eojjong
Vmn ox Ulxyngxoejl dnu {mox Alxx>
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XLY[LAELU 5900 6
[ml Hnx{ nd {ml Dnulhjnx|ul Huoxox og X`g Cnxl ey So Hnkl -599=!5905/
SoyHnkl
Dnulhjnx|ulx599=!05
DnulhjnxlkMnal T`j|l
Jnxx
Oay`h{lkMnalx T`j|l
Jnxx[n{`j MnalT`j|l Jnxx
Yunylu{ [`}Jnxx
Jnh`j Fnt&{Hnx{
?<995 <0 +=*;65*<54 +06*889*044 +5<*=95*4?5 +0<6*8?4 +8<6*4<?
?<009 0*0?? +599*99;*?6; +;9?*090*9=; +49?*094*9<= +8*60<*<;6 +=*44;*<=6
?<000 8*?<4 +4<?*=55*?;= +0*8;?*486*=;? +5*99?*;49*6?6 +05*5<6*600 +56*?<<*059
?<005 5*50< +84?*;<<*;=4 +6<<*69;*;9; +0*05<*0<?*=?9 +4*=48*;6< +0<*65?*855
?<008 ;= +=*965*5;? +04*<00*;0= +5;*<=8*446 +0;?*?49 +064*?96
?<004 8*;8? +<68*;?4*<=< +0*068*940*0?6 +0*6;4*<<6*6=5 +09*4<;*995 +5<*444*=4?
?<006 <85 +==*65=*95; +0=0*;=?*0;9 +569*506*04; +0*4;=*85< +8*8=9*;<=
?<00= 0*9?? +0=8*5?8*;0= +86;*?0=*8<< +<<=*500*668 +8*;9<*9?5 +4*?;<*<0<
?<00? ;=5 +=9*855*500 +04;*5?<*;85 +5;;*406*4;8 +0*;?5*04= +8*98=*0=5
?<059 ;64 +6?*;50*<== +045*;<8*5;? +5;0*=6;*=86 +0*;6<*;86 +5*94?*9;9
?<050 5*;40 +;09*;06*0;4 +=8?*;=?*404 +0*5;?*?94*645 +6*45;*;80 +0<*6<5*8?6
?<055 8*<8< +<=?*496*654 +0*594*90<*=9; +0*6?<*458*<89 +09*?<8*89; +5;*<90*<?5
?<058 ;*000 +4=<*46;*0<= +0*;95*<0<*85; +5*9==*0=?*;=5 +05*686*?<4 +5=*68?*448?<05; 0*5;6 +596*?;8*6?= +;5<*88?*<=4 +488*5=8*8=; +8*=48*95? +4*;?<*<<4
?<05< 0*;84 +58?*;85*58? +;=?*6;6*645 +65?*0=9*990 +;*;;6*??= +=*44=*;88
?<054 0*95? +060*<=<*855 +8<9*?4?*?64 +<55*<<<*5?= +8*0=6*<=6 +4*44;*660
?<056 ;*0?9 +4?=*6;?*=46 +0*;5?*540*9?5 +5*05=*909*?<? +05*?=9*=46 +5?*059*8?=
?<05= 0*564 +505*6=9*;64 +;8<*585*6?0 +4;=*908*546 +8*?<5*==0 +=*894*?5=
?<05? 54< +;;*548*?;8 +?9*<8?*==8 +08;*=98*=54 +=55*898 +0*6??*=8;
?<089 064 +5?*8=4*?== +49*09?*6;? +=?*;?4*686 +<;<*?89 +?64*=88
?<080 0*094 +0=;*;49*=?5 +866*894*869 +<40*646*545 +8*;54*6=9 +4*<86*=49
?<085 0*<4; +549*==9*;9; +<88*40?*99? +6?;*;??*;08 +;*=;4*;;4 +?*6;?*098
?<088 0*<90 +5<9*568*94? +<00*?55*0=6 +645*0?<*5<4 +;*4;?*8?0 +09*5?0*840
?<08; 68 +05*0;0*689 +5;*=8<*8<4 +84*?66*9=4 +55<*<49 +<;4*09;
?<08< <=9 +?4*=99*568 +0?=*999*<<= +5?;*=99*=80 +0*6?=*5=< +8*8??*4=6
?<084 0*60; +5=<*?80*940 +<=;*=<=*?== +=69*6?9*9;? +<*800*=0? +09*<?<*06?
?<08= 0*060 +0?<*54=*844 +8??*;05*<44 +<?;*4=9*?85 +8*456*<<; +4*6<8*55<
?<08? 858 +<8*=69*<=4 +009*0=?*=8< +04;*949*;50 +0*999*64? +5*5==*5<0
?<0;9 05 +0*?4=*95= +;*95<*<00 +<*??8*<8? +84*<40 +00?*559
?<0;= 5*566 +86?*6?<*?69 +664*=<<*8?; +0*0<4*4<0*84; +6*9<<*<68 +08*86?*<8=
[N[@J ;8*<;; +6*545*855*9<5 +0;*=<;*6;?*4<0 +55*006*960*698 +08;*?0;*086 +5==*44?*<?;
#Dnulhjnx|ul k`{` duna Ul`j{y[u h' K`{` ox dnu so hnklx d|jjy nu `u{o`jjy vo{mog ho{y en|gk`uy' 5900 ! 5905 g|aelux `ul unclh{ongx
e`xlk |ng ulhlg{ {ulgkx'
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[ml V`jj X{ull{ VULHBOGF E@JJ=
Al{mnknjnfyKoulh{ oay`h{ {n dnulhjnxlk mnalx v`x h`jh|j`{lk |xogf al{mnknjnf duna {ml \'X' Cnog{ Lhngnaoh Hnaao{{ll
Ulynu{ -Xmlj{luogf Glofmenumnnkx duna {ml X|eyuoal Dnulhjnx|ul X{nua/ |xogf alko`g hn|g{ mnal t`j|l duna \'X
Hlgx|x* klhjogl lx{oa`{l nd 55,* `gk g|aelu nd dnulhjnx|ulx duna Ul`j{[u`h' [ml 55, klhjogl lx{oa`{l ox e`xlk ng
{ml anx{ hngxlut`{otl yunylu{ t`j|l klhjogl u`gfogf duna 55, {n 5=, e`xlk ng [ml T`j|l nd Dnulhjnxlk Yunylu{ *@g{mng Ylggogf{ng!Hunxx* A`up|l{{l \gotluxo{ `gk Ul`j{[u`h 5909 x`jlx ulynu{'
Glofmenuogf mnalx t`j|l klhjogl v`x h`jh|j`{lk |xogf al{mnknjnf duna {ml \'X' Cnog{ Lhngnaoh Hnaao{{ll Ulynu{
-Xmlj{luogf Glofmenumnnkx duna {ml X|eyuoal Dnulhjnx|ul X{nua/ |xogf alko`g hn|g{ mnal t`j|l duna \'X'
Hlgx|x* klhjogl og t`j|l nd 9'?,* gk g|aelu nd dnulhjnx|ulx duna Ul`j{[u`h' [ml klhjogl lx{oa`{l ox e`xlk ng `
hngxlut`{otl klhjogl lx{oa`{l nd 9'?, ng ngl!lofm{m aojl u`ko|x -`yyun}oa`{lj <9 mnalx/ e`xlk ng [ml L}{lug`j
Hnx{x nd Dnulhjnx|ul3 [ml Oay`h{ nd Xogfjl!D`aoj Anu{f`fl Dnulhjnx|ulx ng Yunylu{ T`j|lx' K`g Oaalufj|hb*
Flnufo` Ogx{o{|{l nd [lhmgnjnf `gk Flndd Xao{m* Vnnkx{nhb Ogx{o{|{l ' Mofmlu lx{oa`{lx `ul y|{ {ml klhjogl `{ 0';,
og jnv {n anklu`{l oghnal hnaa|go{olx `gk n{mlux kn|ejl {ml oay`h{ u`ko|x {n ` p|`u{lu nd ` aojl'
Yunylu{ {`} jnxxlx vlul lx{oa`{lk |xogf jnx{ mnal t`j|lx -dnulhjnxlk `gk oay`h{lk mnalx `x klxhuoelk og yuonu
xlh{ong/ `gk H`jodnugo` lddlh{otl yunylu{ {`} u`{l nd 9'40, duna {ml \'X' Hlgx|x `gk [`} Dn|gk`{ong'
Oay`h{ {n jnh`j fntlugalg{x e`xlk ng [ml A|gohoy`j Hnx{ nd Dnulhjnx|ulx3 @ Hmoh`fn H`xl X{|k ' A`g l}ylu{x*
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8/3/2019 WreckingBall_SanJose Foreclosure Costs
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