Home Equity Line of Credit (HELOC)

A variable-rate loan secured through equity in a borrower’s property in which a lender agrees to lend a maximum percentage of the property equity for an agreed upon period to a borrower for use at the borrower’s discretion. Similar to a line of credit, the borrower is not granted a lump sum, but may borrow, during the established draw period, sums up to the total amount of the promised advance and is only required to repay the amount drawn plus interest on this amount.

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Frequently Asked Questions
What is the "Reinstatement Period"?

The 3 month period after the recording of the Notice of Default. This acts as a grace period, during which the Trustor/Borrower may cure the default by belated performance, if the default is curable. Please check out our Foreclosure Process Timeline page for more information.

Foreclosure Statistics
2009 To 2014 Foreclosure Statistics for San Luis Obispo County, California

This document details the number of Notice of Defaults, Notice of Sales, and Trustee's Deeds filed in San Luis Obispo County, CA from January 2009 through 2014. For review of data prior to 2009 please contact our office.

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