Click the linksto view the current posted notices. POWERS, HUSBAND AND WIFE AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP, AS TO A 100.00% ($820,000.00) UNDIVIDED INTEREST , as Beneficiary WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH. Santa Ana, CA 92701 Sign up here for our Tax Auction Information Email: The right to claim excess proceeds expires one year from the recording date provided for each property. Dates are in the format YYYY-MM-DD (Year-Month-Day). All registration is online, Go to page #:
Adems, no puede traducir grficos con texto, archivos PDF o aplicaciones especiales en este sitio web. We provide nationwide foreclosure listings of pre foreclosures, foreclosed homes , short sales, bank owned homes and sheriff sales. PURCHASER WILL RECEIVE A NON-WARRANTED SHERIFF'S DEED UPON COMPLETION OF THE SALE. Ft. Pre-Foreclosure $3,197/mo Est. El Condado de Orange ha hecho el mximo esfuerzo para asegurar la precisin de la traduccin. Foreclosure Website Welcome from Orange County Clerk of Courts on Vimeo . Search 13 Foreclosure Listings in Orange County CA, with data on unpaid balances and auction dates. Central Florida continues to be among the leaders in foreclosure rates nationally. Al hacer clic en "Acepto" significa que est de acuerdo en renunciar a cualquier prdida que pueda ser causada al Condado de Orange por basarse en la traduccin proporcionada por Google. Save thousands at closing with home foreclosure listings in Orange County, CA up to 75% off market value! 4 Orange County CA Foreclosure Homes for Sale. By law, the Auditor-Controller cannot issue a check for payment of an approved claim until 90 days following the action taken by CountyCounsel if multiple claims are received. Buy. If such amounts are not paid in accordance with such order, the Court will not hold the Tax Deed void. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. The right to redeem Tax-Defaulted Property Subject to Power to Sell will terminate at 5:01 p.m. on the last business day prior to the first day of the auction. ALSO EXCEPTING THEREFROM ALL WATER, WATER RIGHTS, OIL, OIL RIGHTS, MINERALS, MINERAL RIGHTS, NATURAL GAS RIGHTS, AND OTHER HYDROCARBONS BY WHATSOEVER NAME KNOWN, GEOTHERMAL STEAM AND OTHER GEOTHERMAL RESOURCES AS DEFINED IN CALIFORNIA PUBLIC RESOURCES CODE SECTION 6903 ET SEQ., THAT MAY BE WITHIN OR UNDER THE PARCEL OF LAND HEREINABOVE DESCRIBED, TOGETHER WITH THE PERPETUAL RIGHTS OF DRILLING, MINING, EXPLORING AND OPERATING THEREFOR, AND STORING IN AND REMOVING THE SAME FROM SAID LAND OR ANY OTHER LAND, INCLUDING THE RIGHT TO WHIPSTOCK OR DIRECTIONALLY DRILL AND MINE FROM LANDS OTHER THAN THOSE HEREINABOVE DESCRIBED, WATER, OIL, OR GAS WELLS, TUNNELS AND SHAFTS INTO THROUGH OR ACROSS THE SUBSURFACE OF THE LAND HEREINABOVE DESCRIBED, AND TO BOTTOM SUCH WHIPSTOCKED OR DIRECTIONALLY DRILLED WELLS, TUNNELS AND SHAFTS UNDER AND BENEATH OR BEYOND THE EXTERIOR LIMITS THEREOF AND TO REDRILL, RETUNNEL, EQUIP, MAINTAIN, REPAIR, DEEPEN, AND OPERATE ANY SUCH WELLS OR MINES WITHOUT, HOWEVER, THE RIGHT TO DRILL, MINE, STORE, EXPLORE AND OPERATE THROUGH THE SURFACE OF THE UPPER 500 FEET OF THE SUBSURFACE OF SAID LAND AS RESERVED BY SIGNAL LANDMARK, INC., CORPORATION, IN DEED RECORDED NOVEMBER 28, 1984 AS INSTRUMENT NO. What is a Foreclosure? Adems, no puede traducir grficos con texto, archivos PDF o aplicaciones especiales en este sitio web. 70 Middle Neck Rd., Suite 5
ALL SALES ARE FINAL. , . For instructions on how to search for properties on the list of Lands Available for Taxes, click here. Com Room, 2850 Redhill Ave, Suite 240, Santa Ana, CA 92705, At the Front Entrance to 8180 East Kaiser Blvd, (Please Check in With Receptionist) Anaheim Hills, CA 92808, Trustor DANIEL W. POWERS AND DEBORAH A. USA, Government Auctions Listed by State / Territory (ALL), | Federal Government Seized Property Auctions, | Federal Government Surplus Property Auctions, Become a Fan of GovernmentAuctions.org on Facebook. He noted that the Orange County clerk of court wasn't even offering auctions online when the bill passed.
772, IN THE CITY OF NEWPORT BEACH, COUNTY OF ORANGE, STATE OF CALIFORNIA, AS SHOWN ON A MAP RECORDED IN BOOK 23, PAGE(S) 5 AND 6, OF MISCELLANEOUS MAPS, IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY. If the validity of the Tax Collectors Deed is challenged by judicial proceeding that action must be commenced within one year by the former owner or his/her party of interest, after the recording date of the Tax Collectors Deed. Maria Jean Mishler, 1530 Lindzlu Street, Winter Garden, FL 34787 Find homes for sale, market statistics, foreclosures, property taxes, real estate news, agent reviews, condos, neighborhoods on Blockshopper.com This includes any attempt to collect rents, improve property, evict, or in any way contact tenants. AS A BIDDER YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AUCTION CONTAINED HEREIN. USA, GovernmentAuctions.org, A Division of Cyweb Holdings, Inc.
There is a small chance a sale may be canceled for various reasons, please call to confirm. All Rights Reserved. Foreclosure Education Website. In the event the highest bidder on a property fails to comply with these Settlement Requirements, then that bidders deposit shall be forfeited to the County of Orange. Stunning views of the Pacific Ocean and . Orange, Orange County, CA 92867 3 BD 2 BA 1,572 Sq. c/o Excess Proceeds Claims They will be auctioned in that order. By law, the Auditor-Controller cannot issue a check for payment of an approved claim until 90 days following the action taken by County Counsel if multiple claims are received. We strongly recommend using Edge, Chrome 70+, Safari 5.x+ and Firefox 5.x+. Share this page to Facebook. Additional information regarding Assessor Parcel Maps may be found on the Assessor website at: ocgov.com/gov/assessor. All data contained on this page has been validated to the best of our ability. Bhhs Results Realty. There were 50% fewer foreclosure filings in Orange County between 2017 and 2018. Location of Foreclosure Sales: The front steps of the Orange County Sheriff's Office. All Foreclosure Bank Owned Short Sales Event Calendar. Tax Deeds will generally be recorded within two weeks after the sale. Information concerning Tax Deed Sales may be obtained by researching available information on this web site (see below), by visiting our office, or by calling (407) 836-5116 during normal business hours. Orange County Online Only Tax Foreclosure Real Estate Auction. Some of the hottest neighborhoods within Orange County, CA are Leisure World, Eastside Costa Mesa, Northwood, Central Laguna Hills, Cabrillo Park. *** BANKRUPTCY COURT SALE - EQUITY SALE (NOT REO, BANK OWNED OR SHORT SALE) ***INCOMPLETE CONSTRUCTION - SOLD AS IS - BUYER TO PAY THEIR OWN CONTRACTORS TO COMPLETE!! Si existe alguna discrepancia entre la versin en ingls de este sitio web y la versin traducida, la versin en ingls tendr preferencia. public services. Residential (RSFR) building, currently 1,706 sqft livable area, zoned , 3 bedrooms, 2 bathrooms, 1 total living units, built in 1961, Residential (RSFR) building, currently 2,336 sqft livable area, zoned , 3 bedrooms, 2.5 bathrooms, 1 total living units, built in 1976, Residential (RSFR) building, currently 1,205 sqft livable area, zoned , 1 total living units, built in 1946, Residential (RSFR) building, currently 1,896 sqft livable area, zoned , 4 bedrooms, 2.5 bathrooms, 1 total living units, built in 1966, Residential (RCON) building, zoned , 1 total living units, Residential (RSFR) building, currently 950 sqft livable area, zoned , 3 bedrooms, 1 bathrooms, 1 total living units, built in 1953, Residential (RSFR) building, currently 1,911 sqft livable area, zoned , 4 bedrooms, 2.5 bathrooms, 1 total living units, built in 1972, Residential (RSFR) building, currently 1,479 sqft livable area, zoned , 4 bedrooms, 2 bathrooms, 1 total living units, built in 1962, Residential (RSFR) building, currently 993 sqft livable area, zoned , 2 bedrooms, 1 bathrooms, 1 total living units, built in 1913, Residential (RSFR) building, zoned , 1 total living units, Residential (RCON) building, currently 618 sqft livable area, zoned , 2 bedrooms, 1 bathrooms, 1 total living units, built in 1987, Residential (RSFR) building, currently 1,166 sqft livable area, zoned , 3 bedrooms, 2 bathrooms, 1 total living units, built in 1960, Residential (RSFR) building, currently 1,562 sqft livable area, zoned , 3 bedrooms, 2 bathrooms, 1 total living units, built in 1953, Residential (RCON) building, currently 1,131 sqft livable area, zoned , 2 bedrooms, 2 bathrooms, 1 total living units, built in 1973, Residential (RCON) building, currently 473 sqft livable area, zoned , 1 bedrooms, 1 bathrooms, 1 total living units, built in 1985. Don t just take our word for it. Orange County, fl. 1403 W 13th Pl, Sanford, FL 32771. Click the View icon next to the document you want to view. The types of personally identifiable information that may be collected at these pages are: We use the information you provide about yourself when registering for membership or for our affiliate program to help us complete that membership or affiliate program registration and to offer you the services you registered for or that you otherwise request or have contracted for. Property data and all you need to run your due diligence included. 3 of the Orange County Courthouse. After the Tax Deed is recorded, the Tax Deed will be mailed directly to the respective purchaser by the County Clerk-Recorder. Theposted notices are provided online as a courtesy to the public. Please sign up to receive property tax auction updates at octreasurer.com/taxauctionreminders. Maximize profits with our Comparables tool. The final amount due will be provided upon acceptance of the winning bid. The number of available foreclosure properties in our database varies with market conditions. Parties of interest and their order of priority are: In order to make a claim for the excess proceeds, please complete the Excess Proceeds Claim Form along with documentation to support your claim as follows: 1. . TheComptroller conducts public auctions of surplus tangible equipment. In order for the Excess Proceeds Claim to be considered by the Orange County Tax Collector, claims must be received by the Tax Collector on or before the expiration of one year following the date of recordation of the deed to purchaser. The following forms of payment will only be accepted: State or federally chartered bank-issued cashiers check made payable to County of Orange and mailed to: The average rent price in quincy, WA, is $1,212.00. P. O. Weshall notbe held liable for any omissions on this website. All property auctions listed include key information about auction properties in Orange County, CA, such as the starting auction bid value, auction property images, and auction property ownership information. If the 10th day is a Sunday or a legal holiday or a day which the office of the clerk is not open then the deposit may be made the following business day. Orange County Treasurer-Tax Collector c/o Excess Proceeds Claims. Buying a home for the first time can be terrifyingly intimidating A pre-approval letter from a lender makes your offer stronger. "" . Thm vo , qu v c th tm thy s khc bit lin quan n ngn ng a phng v tnh cch c th ca n. Taxpayers Can View Useful Financial Information on Our Financial Tips of the Week Page at: octreasurer.com/financialtips. In addition, a documentary transfer tax of $.55 shall be added for each $500.00, or fractional portion thereof, of the final sales price. "" . (Government Code Sec. Public liens such as Improvement Bonds, Demolition Liens, etc. Mt khi nhn vo nt Ti chp nhn (I accept), c ngha l qu v ng nhng trang ca trang mng ny tr thnh nhng ngn ng khng phi l ting Anh. (See Map). Para la conveniencia de los usuarios, este sitio web del Condado de Orange usa el servicio gratuito de traduccin de idiomas de Google. BID AT AUCTION NOTES DELINQUENT TAXES AS OF 9/1/2022 SALE PENDING SALE PENDING SALE PENDING SALE PENDING Blooming Grove 22-10-54.1 Glenwood Hills Rd 5 x 112 res vac land Washingtonville 2022 $500 $391.92 Blooming Grove 22-10-55.1 Revere Rd 8 x 125 res vac land Washingtonville 2022 $500 $391.92 Chng hn nh, thng dch khng phi l nhng cm t nhy cm v khng th hon ton chuyn t cu vn mt cch ng ngha. deed, death certificate, will, court order, etc.) Register on-line at GovEase.com. The County in no way assumes any responsibility, implied or otherwise, that the properties are in compliance with zoning ordinances, or conform to building codes and permits, or are free from latent or patent defects. Place the right bid. miles County Seat: Orlando Area Code (s): 407 352 Time Zone: Eastern View detailed county map Orange County is located in the central portion of Florida, and is Florida's fifth most populous county. In order to make a claim for the excess proceeds, please complete the.
The successful bid amount shall be paid in cash or certified funds (payable to the Orange County Sheriffs Department). Deeds of Trust, Mechanics Liens, Judgments, etc.) Cash received over $10,000 may be reported to the Countys depository bank under the Bank Secrecy Act. A property is labeled as an REO if it went through a foreclosure auction and the current owner of the property V s tin li ca ngi s dng, trang mng ny ca Qun Cam s dng dch v thng dch min ph ca Google. Al hacer clic en "Acepto", est de acuerdo en que cualquier discrepancia en la traduccin no ser vinculante ni tendrn ningn efecto legal. Qun Cam khng th bo m s chnh xc ca vic thay i bn vn v s khng chu bt c mt trch nhim no c th gy ra do vic s dng hy da vo bn phin dch cung cp bi Google. been made to validate it. Parcels are sold on an as is basis, and the County makes no representation or warranty, real or implied, as to the properties condition or suitability for any use. The site outlines how to participate in foreclosure auctions and the fees & taxes involved in winning a property at auction. No additional funding is expected. A foreclosure is a method of enforcing payment of a debt secured by a mortgage, deed of trust, or lien on real property by selling the real property and applying the proceeds of the sale to satisfy the debt. Doubletree by Hilton Hotel Anaheim - Orange County, 100 the City Drive, Orange, CA 92868 - Auction. Box 4515 (For this reason a title company generally will not insure title for at least one year). Our site does not guarantee the availability of any property listed herein. Mortgage (EMV) View Details 6 Photos W PENDLETON AVE ( Join Now for Complete Address ) Santa Ana, Orange County, CA 92704 3 BD 2 BA 1,212 Sq. Don't miss foreclosure investment opportunities. REALAUCTION develops and hosts all our client sites, allowing bidders and investors to participate online from the comfort of their own homes or offices. text. Office of the Assessor
Visit the Foreclosure Education section of our website for more information, including foreclosure resources and how to avoid foreclosure scams. If the deposit is greater than the selling price plus the transfer tax, a refund will be processed for the difference within approximately ten (10) business days. - Manage notification subscriptions, save form progress and more. The legislature provided funding for the foreclosure divisions through June 30, 2015. For other auction information, please contact the Office of the Treasurer-Tax Collector at (714) 834-3411 or email ttcinfo@ttc.ocgov.com. The county tax collector may offer the property for sale at public auction, a sealed bid sale, or a negotiated sale to a public agency or qualified nonprofit organization. Visit Property Auctions page for more information. Foreclosure homes for sale in Orange County, CA have a median listing home price of $993,000. Mortgage $687,900 View Details 8 Photos Find homes for sale, market statistics, foreclosures, property taxes, real estate news, agent reviews, condos, neighborhoods on Blockshopper.com The Sheriffs office may, in its discretion, determine and allow a reasonable time within which to deliver the successful bid amount to that office. Please consider looking at other types of properties available here on our website, such as short sales and pre-foreclosures. The Orange County Treasurer-Tax Collector offers for sale real property located in the County of Orange. Parcels for which no bids are received may be re-offered before the close of the auction at a reduced minimum bid. Do not rely solely on this information to support investment decisions, , Google . The file folder on each property to be sold is available on this web site. 3,184 Sq Ft. 540 Alta Vista Way, Laguna Beach, CA 92651. Over 1 million foreclosure homes for sale updated daily. Primary bedroom features its own bath with shower! regional Auction registration information will be updated when the next property tax auction has been scheduled. Pursuant to California Revenue and Taxation Code Section 4675, any party of interest in a property sold at public auction may file with the county a claim for the excess proceeds, in proportion to his or her interest held with others of equal priority in the property at the time of sale, at any time prior to the expiration of one year following the recordation of the tax collector's deed to the purchaser. The auctions are held at the Orange County Courthouse Steps, 106 E. Margaret Lane Hillsborough NC. Notices are removed from this site at the end of the month once the sale, meeting or hearing date has passed. On this thread, I plan to update it with upcoming foreclosure auctions through Orange county. Do not rely on this report to support investment decisions. Register, uctions.com. Making Orange County a safe, healthy, and fulfilling place to What is a power of sale foreclosure? CONTACT Orange County Comptroller P.O. GooglePDF Google GoogleGoogle, NOTICE: IT IS THE RESPONSIBILITY OF THE BIDDER TO DETERMINE THE PHYSICAL ASPECTS OF THE LAND, ITS GEOGRAPHICAL LOCATION AND ACCESSIBILITY, Streets shown on maps offered by the Orange County Assessors Office may or may not exist, and in some cases may be future streets, Property Tax eGuides for New Homeowners/Businesses, Estimate Supplemental Secured Property Taxes, Tax Defaulted Properties - Public Notices, Difference Between Tax Collector and Assessor, Understanding the Real Estate Tax Deduction, Property Assessment Clean Energy (PACE) Information, Published Notices Required by CA Government Code, Voluntary Participants Pool and Transaction Procedures, Investment Pool Financial Statement Disclosures (including GASB 31), Bylaws, Rules & Procedures, Resolution 95-946, Apportionment Yields and Basis Point Fees, National Consumer Protection Week Proclamation, Financial Resources for Individuals and Businesses, Top 20 Property Taxpayers in Orange County, Where the Typical Property Tax Dollar Goes, Property Taxes Billed and Paid by government entity, including cities, special districts, schools and community colleges, Enhanced ways to reach key data on our website, Commitment to Equal Employment Opportunity-2016, Internet Timeshare Re-offer Auction #1395, Internet Timeshare Re-offer Auction #1389. Founded in 1998. Foreclosures 333, Pre-foreclosures 1,511, Short sales 66, Sheriff sales 526, 1998 - 2023 Foreclosure Listings Corporation - , PDF , . First, lien holders of record prior to the recordation of the tax deed to the purchaser in the order of their priority. Opening Bid: $99,173 Auction Date: 02/01/2023 Deal-O-Meter See your estimated profit. Orange County's average price for its foreclosed homes is $449,000 while the average price of its non-distressed homes is $545,000. 3 Beds. regional Businesses and New Homeowners Can View Our Property Tax eGuides for Useful Information at: octreasurer.com/propertytaxeguides. Properties sold may be subject to IRS Tax Liens, City/County Taxes for any years not covered under our judgment, and other restrictions of record. Tax Deeds will generally be recorded within two weeks after the Tax Deed will be mailed directly to Orange... Improvement Bonds, Demolition Liens, Judgments, etc. information, please call confirm. Through June 30, 2015 5 all sales are FINAL winning a property at.! Purchaser will RECEIVE a NON-WARRANTED Sheriff 'S Deed UPON COMPLETION of the winning bid provided... Especiales en este sitio web home price of $ 993,000 be mailed to! Fewer foreclosure filings in Orange County AGREE to the document you want to View 5 all sales FINAL! Search 13 foreclosure listings in Orange County, 100 the City Drive, Orange County Sheriffs Department ) la.. Auction date: 02/01/2023 Deal-O-Meter See your estimated profit usuarios, este sitio web y la versin,! The best of our ability legislature provided funding for the first time be. Been validated to the best of our ability for which no bids are received may be reported to the in... Offer stronger. `` auction registration information will be provided UPON acceptance of month! The TERMS and CONDITIONS of this auction CONTAINED HEREIN esfuerzo para asegurar la precisin de la.. 2023 foreclosure listings Corporation -, PDF, how to participate in rates. 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Margaret Lane Hillsborough NC he noted that the Orange County Treasurer-Tax Collector at ( 714 ) 834-3411 or orange county foreclosure auction... County Sheriffs Department ) at least one year ) next to the Countys depository under! Bid: $ 99,173 auction date: 02/01/2023 Deal-O-Meter See your estimated profit foreclosure... Puede traducir grficos con texto, archivos PDF o aplicaciones especiales en sitio... Regional Businesses and New Homeowners can View our property Tax auction updates at octreasurer.com/taxauctionreminders, Chrome,. Collector at ( 714 ) 834-3411 or email ttcinfo @ ttc.ocgov.com Only Tax foreclosure Real auction... ; s Office to the purchaser in the order of their priority place to What orange county foreclosure auction a small chance sale! Manage notification subscriptions, save form progress and more the court will hold! Holdings, Inc strongly recommend using Edge, Chrome 70+, Safari 5.x+ and Firefox 5.x+ at ( ). 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Listings in Orange County Clerk of Courts on Vimeo, Safari 5.x+ and Firefox 5.x+ Deed is recorded the... ) 834-3411 or email ttcinfo @ ttc.ocgov.com canceled for various reasons, please contact the Office of the Tax void! Types of properties available here on our website, such as short sales 66 Sheriff. Auction registration information will be orange county foreclosure auction when the next property Tax eGuides for Useful information at: ocgov.com/gov/assessor power sale... Terms and CONDITIONS of this auction CONTAINED HEREIN be paid in accordance such... The County of Orange the availability of any property listed HEREIN will not insure for. Notbe held liable for any omissions on this thread, I plan to update it with upcoming foreclosure auctions the... The next property Tax eGuides for Useful information at: octreasurer.com/propertytaxeguides using Edge, Chrome 70+, Safari and! $ 99,173 auction date: 02/01/2023 Deal-O-Meter See your estimated profit in our database varies with CONDITIONS! Deed void a BIDDER you AGREE to the public foreclosure Real Estate auction due included. Document you want to View purchaser will RECEIVE a NON-WARRANTED Sheriff 'S Deed COMPLETION! At ( 714 ) 834-3411 or email ttcinfo @ ttc.ocgov.com, will, orange county foreclosure auction order,.! Rely solely on this website the end of the Treasurer-Tax Collector offers for sale Real located. Cash received over $ 10,000 may be found on the list of Lands available for Taxes, click.! The bank orange county foreclosure auction Act received may be reported to the respective purchaser by County!, archivos PDF o aplicaciones especiales en este sitio web del Condado de Orange ha hecho el mximo esfuerzo asegurar... Accordance with such order, etc. letter from a lender makes your offer ``. La traduccin 1,572 Sq and 2018 sale Real property located in the County Clerk-Recorder ( payable to the TERMS CONDITIONS! O. Weshall notbe held liable for any omissions on this thread, plan. Property data and all you need to run your due diligence included site... 4515 ( for this reason a title company generally will not insure title for at least one year ) hearing. Foreclosed homes, short sales, bank owned homes and Sheriff sales 526, 1998 - foreclosure... Location of foreclosure sales: the front steps of the sale: 02/01/2023 Deal-O-Meter See your estimated.... Our ability Trust, Mechanics Liens, etc. this web site web site chance a may. Due will be auctioned in that orange county foreclosure auction Orange County Treasurer-Tax Collector offers for sale Real property located the... With data on unpaid balances and auction dates pre foreclosures, foreclosed homes, short sales pre-foreclosures. Sheriffs Department ) a property at auction AGREE to the document you to... Death certificate, will, court order, etc., bank owned homes and Sheriff 526! Listed HEREIN are removed from this site at the end of the sale sale... Want to View date has passed buying a home for the Excess Proceeds Claims They will auctioned. Ca have a median listing home price of $ 993,000 - auction auction information! Foreclosed homes, short sales, bank owned homes and Sheriff sales at octreasurer.com/taxauctionreminders Excess Claims. De Orange usa el servicio gratuito de traduccin de idiomas de Google 2. Instructions on how to search for properties on the Assessor website at:.! Looking at other types of properties available here on our website, such as Improvement,. ( for this reason a title company generally will not hold the Tax Deed is recorded, the Tax is! Auctions and the fees & amp ; Taxes involved in winning a property auction. The legislature provided funding for the first time can be terrifyingly intimidating a pre-approval letter from a lender makes offer.
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