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Form 8883 El Cajon California: What You Should Know

The home on 619 HACIENDA DR is listed as being in foreclosure. The address in El Cajon on the foreclosure notice indicates that the property is currently under seller's control and that the house is currently occupied. The listed condition is: Vacant. The mortgage service lists the home value as 88400 and the interest rate as 15 percent (3.625% interest a month). The current loan payment is 2,500. The current principal is 87400. The service also lists that the property does not have any liens, tax liens or encumbrances. The service does not state on its list if the home has been vacant for a significant portion of the period since the borrower entered repayment (in the past 12 months). The home appeared vacant for about 6-7 months after the borrower took out a loan. The mortgage service does not address the property owner's recent history of violating the terms of the mortgage. There is no record of the homeowner being evicted for non-payment of rent, for violating any health or safety codes, or for failing to appear for court hearings, etc. The property is located in a middle income neighborhood in a San Diego high-crime area. The property has two units. No records are available to indicate any current property repairs or alterations. Approximately 843,000 in unpaid principal, 873,000 in unpaid and accrued interest and 2,750 in delinquent taxes in 2023 is owed. If any repairs are performed, all payments would be made. The outstanding mortgage loan balance is 977,500. The delinquent taxes account is 2,750. Approximately 2,250,000 in unpaid principal, 2,250,000 in delinquent interest and an associated estimated 2,000 in new taxes have been overdue for years. If any substantial repairs or alterations are performed the outstanding balance will be reduced or eliminated. If the owner agrees to the terms of the loan, the owner will pay the outstanding balance. The homeowner has an employment history that indicates a steady employment with a corporation for years. The homeowner and her husband have resided in the residence for approximately 5 years and own and operate a business, both located in the residence. The homeowner's employment history indicates she's provided goods and services for approximately 10-11 years, providing a steady, reliable income to support the residence.

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