Moorpark Short Sale Specialist

Need a Second Chance - CDPE

Rising Home Prices Restoring Equity

If you or someone you know is being weighed down by an unmanageable mortgage, the key to getting through is educating yourself on the options.

Unfortunately, there is so much information (and misinformation) out there that telling the myth from the reality can be difficult. I’ve created a free report designed to help you distinguish between the fact and fiction and it is available for you to download right here on this website.
Download it, read it, and take the first step in finding a solution that is right for you. Then, contact me for a free, confidential consultation.
I look forward to hearing from you!!

Prior to 2007, short sales were NOT very appealing to home owners in hardship due to the fact that the borrower could be liable to pay taxes on any money forgiven by their lender.  The Mortgage Forgiveness Debt Relief Act came to be law on December 20th, 2007.  This important act was great news and gave most home owners in hardship the chance to sell their property as a short sale, and NOT be have to pay income taxes on the money forgiven them by their lender.

Unfortunately, this act is set to expire in just a few months at the end of 2012.  Unless it is miraculously extended here at the 11th hour, home owners who do a short sale next year may be liable to pay taxes on the money forgiven them by their lender.  If you or any friends or family owe more than the value of your property and have been interested in doing a short sale, this may be your last chance.  Considering the fact that short sales take several months to process and close, it is important to take action now.

 Get your Free Report for All Your Options HERE: Is Time Running Out?

Recently, people all over the Ventura County have been dealing with financial hardships. Loss of employment and poor mortgages are increasing among other things. Sadly, over one out of every three home owners’ debt dominates over the value of the home or feels obligated to dish out money that they do not have in order to close if having to sell their property. In some areas of the country, one out of every five home owners is delinquent in their mortgage payments. If you have found yourself in a situation where you have no choice but to sell your property, you are not alone. As a short sale specialist who is well experienced in getting homeowners out of your situation, I am here to inform you about all of the options at hand for you and offer you assistance at no cost. With my help, you can save your credit, dodge a California foreclosure and be off to a new start.

What exactly is a Moorpark “short sale” in Real Estate?

The term short sale is used to explain a transaction that often happens in real estate when a lender makes the decision to take a lower pay off amount on a loan rather than what is owed to their property. When a California short sale transaction takes place, the borrower will owe more on their loans and liens than what their property is worth at its current market value. Furthermore, a lender will usually only agree to a Ventura County Short Sale when the borrower can provide evidence that they are in some type of hardship.

How do I qualify for a California short sale?

Since lenders have become more permissive in recent times, there typically are three qualifications required for a Ventura County short sale. Financial hardship such as: loss of employment or income, divorce or separation, relocation or job transfer, property in need of repairs without resources to make repairs, major sickness and medical expenses, death of a family member, vacant rental properties, etc. The proceeds of the sale of the property, after all closing costs are paid, are less than the amount currently owed on the home. And lastly, Financial Insolvency (no other major assets).

What are the benefits to a Moorpark CA short sale?

A major beneficial aspect to short selling your home is that it will usually bounce back within two years, which will admit you the time to pay off old debt and establish your credit once again and qualify for loans. Your credit history will simply read “settled in full” or “paid as negotiated” it will not represent “short sale”. A short sale is not an actual item on your credit so it will usually not affect any future employment whereas a  Moorpark foreclosure keeps its title while potentially turning away employers, or even sacrificing your current job title. Whenever a California homeowner is potentially facing a foreclosure, it is best to ensure that all research is done and professionals are reached. In the event of choosing a short sale, a Moorpark short sale specialist is the correct answer to your worries. A qualified and highly trained short sale Realtor will guide you through the steps of the Ventura County short sale process while handling all negotiations on your behalf.

Can my current Moorpark short sale Realtor® help me?

SITEAREA Short Sale RealtorYou will need to examine a question like this carefully. Short sales are specifically designed to be under management by experienced short sale Realtors who have many short sales completed under their belt and the evidence to show it. There may be short sale Realtors who claim that they themselves can take on a Moorpark short sale, but it’s very critical to examine their proofs to those claims. It would be devastating to start a short sale only to witness rejection simply because of an incompetent Realtor who boasted of having the ability to bring you to a successful completion of your short sale. As you are looking for a Ventura County short sale specialist, make sure you have a list of questions you would like them to answer and be sure you feel completely comfortable with them. It is important to have proper training; however, I do believe there is no substitute for experience. A weekend training course does not make somebody an expert in short sales. I am a short sale specialist and can offer you no cost assistance to guide you in the short sale process.

Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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Moorpark Short Sale VS Moorpark Loan Modification

SITEAREA Short Sale RealtorThere is no doubt that many distressed Moorpark homeowners are contemplating on the options of short sale vs. loan modification. For some, the big issue is that they are unaware if their property will qualify for a Moorpark short sale or mortgage modification. The main issue is that some homeowners fail to get the services of short sale specialists who can provide them with proper information to make an educated decision. No doubt that the choice of short sale vs. loan modification can have different consequences depending on how you want to handle your current financial condition. However, it is important to note that there are some distinct advantages presented by a short sale as compared to California loan modifications in various financial aspects. Let us examine the multiple effects of both transactions on your financial condition.

1. Difference of the transactions.

One of the best ways to distinguish which is best for your condition, it is important to see the difference between them. In general, the California short sale transaction occurs when the homeowner owes more than what the property is worth in the current real estate market. This type of transaction requires the assistance of a local California real estate agent or short sale specialist to negotiate with the lender and cautiously assess offers from legitimate buyers. It also permits the homeowner to settle financial obligations for relatively less of what they owe. Mortgage modification on the other hand is similar to refinancing, but it is not considered as a new loan. Essentially, what the homeowner is asking is that the lender modify the terms of the existing mortgage by altering the interest rate to something inferior, reducing monthly payments, or extending the payment terms among others. Unlike refinancing, loan modification will not be based on current credit score. Compared to a short sale, the amount owed will not be paid off with the property.

2. Credit report implications.

There is no question that both California short sales and loan modification transactions will have substantial impact on the credit report of the borrower. The short sale transaction will particularly indicate that the financial obligation has been paid in full based on the agreement with the lender but not based on the original terms. Loan modification on the other hand will explicitly state that the loan has been modified based on the request of the buyer and not as originally agreed upon. Moreover, the short sale will be reflected as a settlement of all major delinquencies. In some cases this is more favorable for the homeowner depending on his current needs and financial situation. Based on credit report implications of short sale vs. loan modification, short sale transactions would appear to be more favorable.SITEAREA Short Sale Realtor

3. Documentation requirements.

It should be comprehended that both short sale and loan modification transactions are reasonable ways to avoid a Moorpark foreclosure. The main dissimilarity is that the short sale will grant you the ability to walk away from your home and basically owe nothing to the lender. With loan modification, you keep your home, but have to contend with monthly fees and interest rates. In terms of approval time, both can take substantial time to get approved or rejected, which can be considerably frustrating. With regards to documentation requirements of short sale vs. loan modification, they basically have the same. The borrower has to produce a hardship letter to give account for the reason for the transaction request. The last two paycheck stubs will be mandatory for income verification along with the previous two years of tax returns. The 1099 or W2 forms will also be required by the lender as well as the financial statement of the borrower. The main difference is that the short sale transaction will receive a documentation of an offer to purchase from interested parties.

4. Saving your home.

Many California homeowners forget that saving your home does not necessarily mean keeping it for yourself. It can also mean abstaining from foreclosure in California and having the bank removing it from them leaving them with nothing but more debt. A short sale transaction therefore should be initiated before foreclosure proceedings are started. It should be requested from the current lender or a new qualified FHA lender. Typically 120 days or less is needed for the completion of the process. With loan modification, it is extremely critical to note that there will be no reduction on the principal amount owed. This means that your debt can substantially increase despite keeping your home. The amortization is likewise usually redone along with a lower interest rate in most cases. Depending on the negotiations, the interest rate can be fixed for a particular period. Since loan modifications are ideal when borrowers are behind payments, they are viewed mostly as temporary solutions to update on payments. However, the current and immediate financial future of the borrower should be closely examined.

SITEAREA Short Sale Realtor5. Make a decision.

For California homeowners, it is critical to apprehend that they have to decide on short sale vs. loan modification. This is because banks normally do not open two files simultaneously. Meaning that they have to either file for a short sale transaction or a loan modification. Only one of these options can be seriously pursued and should be supported by a competent local real estate agent or company. In making the decision, the homeowner has to choose on settling the outstanding debt or attempting to get updated on payments. Since for majority of homeowners the root problem is that they no longer have the financial capacity to continue with monthly payments regardless of how low the interest rate, short sales become the best option for them. In this case, the services of Moorpark short sale specialists with solid a background on closings should be sought out.

Without question, California many homeowners would opt for a new start than gamble on the possibility of waiting for their financial condition to improve. Getting out from underwater can be challenging if not immediately addressed. When it comes to short sale vs. loan modification, if the value of the property is significantly lower than what is owed, then a short sale might be the best option. Contact a California short sale specialist and acquire more information about a short sale versus a loan modification and which option best fits your hardship!

Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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#ChrisBJohnsonRealtor #TimeToBuy Your Friends Are Crazy Wrong If They’re Telling You Not to BUY NOW!

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Chris B. Johnson is a REALTOR® who Specializes in Short Sale and REO Transactions. Chris has been Certified as a California Association of Realtors HAFA Specialist, a National Association of Realtors Short Sale and Foreclosure Resource, Chris B Johnson Realtor is a Certified Distressed Property Expert, Certified Short Sale Negotiator, Certified Default Advocate and Certified Pre-Foreclosure Specialist. With a full time staff dedicated to short sale negotiations and transactions, we have been successful with (almost) every short sale to date.  LinkedIn Pro    UpNest    What’s Your Home Worth?

Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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#TimeToSell #ChrisBJohnsonRealtor Moorpark Homeowners Feeling ‘Stuck in Place’? You Aren’t Alone… And There’s Hope!

Feeling ‘Stuck in Place’? You Aren’t Alone… And There’s Hope!

Feeling ‘Stuck in Place’? You Aren’t Alone… And There’s Hope! | MyKCM

Whether you are a renter who is searching for your dream home or a homeowner who feels like your only option is to renovate, you have at least one thing in common: feeling stuck in place.

According to data from the National Association of Realtors’ Profile of Home Buyers & Sellers, the average amount of time that a family stays in their home remained at 10 years in 2017. This mark ties the highest marks set in 2014 and 2016. Back in 1985, when data was first collected on this subject, homeowners stayed in their homes for an average of only 5 years.

There are many reasons why homeowners have decided to stay and not to sell. A recent Wall Street Journal article had this to say,

“Americans aren’t moving in part because inventory levels have fallen near multidecade lows and home prices have risen to records. Many homeowners are choosing to stay and renovate, in turn making it more difficult for renters to enter the market.” 

Sam Khater, Deputy Chief Economist for CoreLogic, equated the lack of inventory to “not having enough oil in your car and your gears slowly [coming] to a grind.”

Historically, a normal market (in which prices increase at the rate of inflation) requires a 6-7 month supply of inventory. There hasn’t been that much supply since August of 2012! Over the course of the last 12 months, inventory has hovered between a 3.5 to 4.4-month supply, meaning that prices have increased and buyers are still out in force!

Challenges in the new-home construction market have “helped create a bottleneck in the market in which owners of starter homes aren’t trading up to newly built homes, which tend to be pricier, in turn creating a squeeze for millennial renters looking to get into the market.”

“Economists said baby boomers also aren’t in a hurry to trade in the dream homes they moved into in middle age for condominiums or senior living communities because many are staying healthy longer or want to remain near their children.”

So, what can you do if you feel stuck & want to move on?

Don’t give up! If you are looking to move-up to an existing luxury home, there are deals to be had in the higher-priced markets. Demand is strong in the starter and trade-up home markets which means that your house will sell quickly. Let’s work together to build in contingencies that allow you more time to find your dream home; the right buyer will wait.

 

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Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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A Moorpark Housing Bubble? Industry Experts Say NO! #TimeToSell

BY 

Real Estate Agent with Allison James Elite CA. BRE 01501699

#TimeToSell #ChrisBJohnsonRealtor #SellersPayZEROCommission #ListYourHomeandPayNoCommission

Your home is probably the biggest asset you own. This is why you should hire a professional to guide youthrough all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell ahome. I am NOT interested in Selling 100 or 200 homes a year because I would not be able to give each family the time, attention and energy they deserve…….

A Housing Bubble? Industry Experts Say NO! | MyKCM

With residential home prices continuing to appreciate at levels above historic norms, some are questioning if we are heading toward another housing bubble (and subsequent burst) like the one we experienced in 2006-2008.

Recently, five housing experts weighed in on the question.

Rick Sharga, Executive VP at Ten-X:

“We’re definitely not in a bubble.”

“We have a handful of markets that are frothy and probably have hit an affordability wall of sorts but…while prices nominally have surpassed the 2006 peak, we’re not talking about 2006 dollars.”

Christopher Thornberg, Partner at Beacon Economics:

“There is no direct or indirect sign of any kind of bubble.”

“Steady as she goes. Prices continue to rise. Sales roughly flat.…Overall this market is in an almost boring place.”

Bill McBride, Calculated Risk:

“I wouldn’t call house prices a bubble.”

“So prices may be a little overvalued, but there is little speculation and I don’t expect house prices to decline nationally like during the bust.”

David M. Blitzer, Managing Director and Chairman of the Index Committee at S&P Dow Jones Indices:

“Housing is not repeating the bubble period of 2000-2006.”

“…price increases vary unlike the earlier period when rising prices were almost universal; the number of homes sold annually is 20% less today than in the earlier period and the months’ supply is declining, not surging.”

Bing Bai & Edward Golding, Urban Institute:

“We are not in a bubble and nowhere near the situation preceding the 2008 housing crisis.”

“Despite recent increases, house prices remain affordable by historical standards, suggesting that home prices are tracking a broader economic expansion.”

 

 

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Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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Moorpark Veteran’s Thank You for Your Service!

BY 

Real Estate Agent with Allison James Elite CA. BRE 01501699
Thank You for Your Service! | MyKCM

Thank you for your service!

 

 

Weekly Mortgage Rate Update

As expected, market moving news was scarce this week. It was a very light week for economic data. The primary source of volatility was Thursday’s release of additional details about the Senate tax plan, but this had just a minor net effect. Mortgage rates finished the week a little higher.

THIS WEEK’S RATE TREND IS UP

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Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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The Proposed Tax Reform of 2017: How Will it Impact Moorpark Home Owners?

The Proposed Tax Reform of 2017: How Will it Impact Ventura County?

BY  

Real Estate Agent with Allison James Elite CA. BRE 01501699

#TimeToSell #ChrisBJohnsonRealtor #SellersPayZEROCommission #ListYourHomeandPayNoCommission

Your home is probably the biggest asset you own. This is why you should hire a professional to guide youthrough all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell ahome.

Key Elements of the New Tax Reform Plan

So as of November 3, here are the key components of the House Ways and Means Committee’s tax reform proposal, before any further revisionist intervention from the full House or Senate:

The maximum corporate tax rate would be cut from 35 to 20 percent. Many business expenses would no longer be deductible, except expenses on R&D, low income housing, and some other miscellaneous expenses. Depreciable asset expenses can be deducted entirely.

There are 3 proposed tax brackets for individuals: 12, 25 and 35 percent instead of the seven that now exist.

The AMT (alternative minimum tax) would be eliminated. The standard deduction for middle class families would be doubled.

The estate tax would be gradually reduced and entirely repealed in 6 years.

The inherited wealth exemption would double from $5.5 million to $11 million.

Tax credits for children will increase from $1,000 to $1,600.

Itemized deductions would be eliminated, except for charitable expenses and the mortgage interest deduction which would be capped for newly purchased homes up to $500K.

Also property tax deductions would be retained but only up to a maximum of $10,000.

State and local taxes would no longer be deductible.

There would be no changes to pre-tax 401(k) contributions.

There is a new 25 percent tax rate for sole proprietorships, partnerships, and S corporations that currently pay taxes at the individual rate of their owners. These type of businesses represent about 95 percent of all businesses in the U.S. and produce most of the corporate tax revenue for the U.S. government.

How Will this Impact You?

If you own a home in coastal California and you’ve purchased it in the last 4 years or so, your property taxes are likely in excess of $10,000 annually. So you will not receive the full benefit of the property tax deduction. However, the standard deduction roughly doubles from $6,350 to $12,000 for individuals and $12,700 to $24,000 for married couples.

If you are a business owner, you are very likely to see a smaller tax obligation. And if a large part of your business expenditure is for research and development of the business, or equipment, software or the purchase of a building, then your tax liability will go even lower because those expenditures will be deductible on top of the low 20 percent maximum rate.

Do We Need Tax Reform?

The hieroglyphical tax code that we all have to navigate through each year to determine both our personal and our business’ tax obligation is constantly changing and seemingly growing more complex. For anyone that has filed a tax return beyond the standard 1040 form, their answer is a very likely yes. We desperately need tax code simplification.

Does the economy need a tax cut? Well, growth has remained strong even as the administration and the Republican-led Congress have struggled to enact economic programs. And despite all the campaign rhetoric about jobs and businesses going overseas because of high corporate taxes, the economy has remained ruggedly resilient, the unemployment rate is the lowest in 17 years, real wages are rising, and GDP growth is accelerating.

Tax reform is always welcome, but do we need a tax cut to stimulate economic growth? No, not right now.

Conclusion

For me, any tax reform that is an actual reduction in my taxes is a good thing. I would much rather control the expenditure of my own income than I trust the federal or state government to do. So any tax cut is welcomed, providing it actually does reduce my taxes.

As Californians, some of us will face a higher tax bill due to the fact that we won’t be able to deduct all our property tax payments. This is especially true if you purchased a home recently in the Bay Area, or coastal Southern California. Moreover, the state income tax payment is non-deductible and California income taxes are higher than anywhere else.

Also, the home mortgage deduction on new purchases will be capped for many new home owners in the higher housing cost areas of the state. This includes Santa Barbara and Goleta, coastal Ventura and Oxnard, the Conejo Valley, most of LA and Orange County, and coastal San Luis Obispo County. A reduced mortgage rate deduction will impact the decision to buy a home in California, so fewer home sales next year are likely. Realtors are naturally against this.

If you already own your home, you’re not going to be affected by the limits on the mortgage deduction. If your household income is above $250,000, then the elimination of the state income tax deduction will hurt you, but as an offset, you’re likely to benefit from the business tax reforms.

The Tax Foundation in Washington D.C. has evaluated the plan and according to them, households from the full range of incomes would benefit with at least a modest tax reduction.

Critics say this plan will hurt the poor. This is nonsense simply because the poor do not pay any state or federal income taxes. The bottom 35 percent of Americans will not get any extra benefits, because they already have a $0 federal tax liability.

Might this plan increase the deficit? Yes, it likely will. But I see the deficit as it’s own issue which does not have to be addressed when discussing tax reform. Why? Because there is always expenditure reform which many people erroneously assume is unreformable. The Senate must consider expenditure reform if they hope to pass tax reform with a 51 vote majority. Otherwise, the plan is dead.

About Chris B Johnson Realtor

Short Sale Specialist, Certified Home Retension Specialist, Behind on your Mortgage Payments?, Stop Foreclosure, Postpone the Auction, get Loan Modification Help and Short Sale Help! I am a Certified Pre-Foreclosure Specialist, Certified Home Affordable Foreclosure Alternative Specialist (HAFA) Certified Short Sale Negotiator, Certified Short Sale Specialist, National Association of Realtor Certified Short Sale Foreclosure Resource and Broker Price Opinion Resource (Expert in Home Valuations and Pricing), Chartered Financial Consultant and Certified Home Retension Specialist. Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. I am NOT interested in Selling 100 or 200 homes a year because I would not be able to give each family the time, attention and energy they deserve. I would also lose touch with my past clients and would not be available to help where needed. I take pride in working personally and individually with each of my clients. Once you are my client, you will work me from the beginning to the end of the transaction. When you call, you will get me directly, not my assistant or secretary. I have been a financial and real estate consultant for the past 30 years and have specialized in loan loss mitigation, short sale negotiation and REO marketing since 2005. I know how to negotiate contracts and navigate through the most difficult transactions. I am a member of, and Certified by the National Association of Realtors as a Short Sale and Foreclosure Resource, and Broker Price Opinion Resource. I am a Member of, and Certified by the California Association of Realtors as a Certified Home Affordable Foreclosure Alternative Specialist. I am a Certified Distressed Property Expert, Certified Short Sale Negotiator, Certified Pre-Foreclosure Specialist and Certified Default Advocate. For more please go to my LinkedIn Profile. Thank You!! And I look forward to hearing from you! For more. please see my profile on LinkedIn and Google.

Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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#TimeToSell #ChrisBJohnsonRealtor Ventura County Home Prices down -4.8% Sep-17 over Aug-17 List Your Home And Pay Zero Commission, Number 1 Realtor in Moopark*, Top Five Realtor’s in Ventura County*, *AR Best Real Estate Agent, Luxury Home Specialist, Find Bank Owned REO Homes, Short Sale Specialist, Ventura County Homes for Sale,

Ventura County Home Prices DOWN -4.8% Sep-17 over Aug- 17

Ventura County Home Prices DOWN -4.8% Sep-17 over Aug- 17 #TimeToSell #ChrisBJohnsonRealtor : Ventura County Home Prices DOWN, #TimeToSell #ChrisBJohnsonRealtor List Your Home And Pay Zero Commission, Top Five Realtor’s of Ventura County

Saturday, October 28, 2017

Buying a Home Can Be Scary… Unless You Know the Facts

Buying a Home Can Be Scary… Unless You Know the Facts: #TimeToSell #ChrisBJohnsonRealtor #Sellers Pay ZERO Commission #List Your Home and Pay No Commission Your home is probably the biggest asset you own.

List Your Home And Pay Zero Commission, Number 1 Realto

List Your Home And Pay Zero Commission, Number 1 Realtor #TimeToBuy #ChrisBJohnsonRealtor: #TimeToSell #ChrisBJohnsonRealtor #SellersPayZEROCommission #List Your Home and Pay No Commission Your home is probably the biggest asset you own.

Thursday, October 26, 2017

How to Save on a Ventura Mortgage Payment Whether Buyin

How to Save on a Ventura Mortgage Payment Whether Buying or Selling #TimeToSell #ChrisBJohnsonRealtor: #TimeToSell #ChrisBJohnsonRealtor #SellersPayZEROCommission #ListYourHomeandPayNoCommissionYour home is probably the biggest asset you own. This is why you

Ventura County Mortgage and Interest Rate Update #TimeT

Ventura County Mortgage and Interest Rate Update #TimeToSell #ChrisBJohnsonRealtor: #TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. Number 1 Realtor in Moopark*, Top Five Realtor’s in Ventura County*, *AR

Wednesday, October 25, 2017

The #1 Reason to List Your Ventura County House, NOW! #

The #1 Reason to List Your Ventura County House, NOW! #TimeToSell #ChrisBJohnsonRealtor#: #TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your

Tuesday, October 24, 2017

Millennials Flock Towards Low Down Payment Programs #Ti

Millennials Flock Towards Low Down Payment Programs #TimeToBuy #ChrisBJohnsonRealtor: #TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your

Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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#TimeToBuy #ChrisBJohnsonRealtor #MoorparkShortSaleSpecialist Number 1 Realtor in Moopark*, Top Five Realtor’s in Ventura County*, *AR Best Real Estate Agent, Luxury Home Specialist, Find Bank Owned REO Homes, Short Sale Specialist, Ventura County Homes for Sale, Your BEST CHOICE FOR A REALTOR IN VENTURA COUNTY CA, Moving-Up to a Ventura County Luxury Home? Now’s the #TimeToBuy!

Chris B Johnson Realtor, Ventura County Short Sale Specialist, Certified REO Bank Owned Realtor

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Real Estate Agent – Allison James Elite – CA. BRE 01501699
Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. Call Me.

RECENT BLOG POSTS

 #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. If your house no longer fits your needs and you are 
10/18/2017
¡Comprar sigue siendo más barato que alquilar en 39 estados!  17 17UTC octubre 17UTC 2017  First Time Home Buyers, For Buyers, Interest Rates, Move-Up Buyers,   En el último informe de Trulia ‘Alquilar Vs. Comprar (Rent vs.Buy Report)’, Ellos explicaron que ser propietario de casa sigue siendo m
10/17/2017
#TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. In the latest Rent vs. Buy Report from Tr
10/17/2017
¿Pensando en vender? ¡Debería hacerlo HOY!  16 16UTC octubre 16UTC 2017  For Sellers, Housing Market Updates, Move-Up Buyers   Ese título puede ser un poco agresivo; sin embargo, a medida que los datos del mercado de la vivienda de agosto 2017 comienzan a llegar, definitivamente podemos decir un
10/16/2017
#TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. That headline might be a little aggressiv
10/16/2017
No… ¡Usted no necesita 20 % de pago inicial para comprar AHORA!  09 09UTC octubre 09UTC 2017  Down Payments, First Time Home Buyers, For Buyers, Move-Up Buyers   El Aspiring Home Buyers Profile de la Asociación nacional de Realtors (NAR por sus siglas en inglés)encontró que el público estadounid
10/15/2017
#TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. The Aspiring Home Buyers Profile from the
10/15/2017
  Algunos aspectos destacados: ¡La demanda de los compradores continúa superando la oferta de casas para la venta! ¡Los compradores compiten a menudo uno contra otro por las casas para la venta que están disponibles! El inventario de la vivienda está aún por debajo de la oferta de 6 meses necesa
10/14/2017
#TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. Some Highlights: Buyer demand continues t
10/14/2017
#TimeToBuy #ChrisBJohnsonRealtorYour home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. I am NOT interested in Selling 100 or 200 h
10/14/2017
Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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THIS WEEK’S Ventura County MORTGAGE RATE TREND IS DOWN #TimeToBuy 

BY 

Real Estate Agent with Allison James Elite CA. BRE 01501699

#TimeToBuy #ChrisBJohnsonRealtor

Your home is probably the biggest asset you own. This is why you should hire a professional to guide youthrough all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sellhome. I am NOT interested in Selling 100 or 200 homes a year because I would not be able to give each family the time, attention and energy they deserve. I would also lose touch with my past clients and would not be available to help where needed. I take pride in working personally and individually with each of my clients. Once you are my client, you will work me from the beginning to the end of the transaction. When you call, you will get me directly, not my assistant or secretary. I have been a financial and real estate consultant for the past 30 years and have specialized in loan loss mitigation, short sale negotiation and REO marketing since 2005. I know how to negotiate contracts and navigate through the most difficult transactions. I am a member of, and Certified by the National Association of Realtors as a Short Sale and Foreclosure Resource, and Broker Price Opinion Resource. I am a Member of, and Certified by the California Association of Realtors as a Certified Home Affordable Foreclosure Alternative Specialist. I am a Certified Distressed Property Expert, Certified Short Sale Negotiator, Certified Pre-Foreclosure Specialist and Certified Default Advocate. For more please go to my LinkedIn Profile. Thank You!! And I look forward to hearing from you!

Weekly Mortgage Rate Update

The two big economic reports this week were released on Friday. Investors placed more weight on tame inflation data than on strong retail sales figures, causing mortgage rates to improve. Wednesday’sminutes from the September 20 Fed meeting contained little new information and the reaction was small. As a result, mortgage rates ended the week a little lower.

THIS WEEK’S RATE TREND IS DOWN

This is intended to be informational to the real estate industry only and is not to be used with respect to an individual consumer who may be seeking mortgage credit, as certain information is not included, such as the APR.  Rates are subject to change. Above rates are based on a 75% LTV, owner occupied, purchase, 740 credit score and zero origination points.  Rates vary by situation so please call for a personalized rate quote.

Thank you for considering me for your mortgage needs. I appreciate the opportunity to earn your business.

WORK PHONE: 

805.577.9105
EMAIL: 

cherylh@broadviewmortgage.com
POSTED BY

Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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#TimeToBuy #ChrisBJohnsonRealtor Mortgage Delinquencies Jump 16 Percent in Affected Area

Mortgage Delinquencies Jump 16 Percent in Affected Area: #TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your

Friday, October 6, 2017

The Ventura County Mortgage Process: What You Need to K

The Ventura County Mortgage Process: What You Need to Know#TimeToBuy #ChrisBJohnsonRealtor : #TimeToSell #ChrisBJohnsonRealtor: Many buyers are purchasing a home with a down payment as little as 3%.You may already qualify for a loan,

Thursday, October 5, 2017

The Truth About Ventura County Homeowner Equity #TimeTo

The Truth About Ventura County Homeowner Equity #TimeToSell #ChrisBJohnsonRealtor: #TimeToSell #ChrisBJohnsonRealtorA recent article from a reputable news source was titled: Here’s why some Ventura County homeowners still can’t sell.

Wednesday, October 4, 2017

1st Time Buyers VS Luxury, A Tale of Two Markets: A 6-M

1st Time Buyers VS Luxury, A Tale of Two Markets: #timeToSell #ChrisBJohnsonRealtor A 6-M: #TimeToSell #ChrisBJohnsonRealtorSix months ago, we reported that the mismatch between the type of inventory of homes for sale and the demand of buyers in

Tuesday, October 3, 2017

Things You Don’t Want to Hear from Your Ventura County

Things You Don’t Want to Hear from Your Ventura County Listing Agent #TimeToSell #ChrisBJohnsonRealtor: #TimeToSell #ChrisBJohnsonRealtorYou’ve decided to sell your house. You begin to interview potential real estate agents to help you through the process. Yo

Monday, October 2, 2017

Which Ventura County Homes Have Increased the Most in V

Which Ventura County Homes Have Increased the Most in Value: #TimeToSell #ChrisBJohnsonRealtorHome values have risen dramatically over the last twelve months. The latest Existing Home Sales Report from the National A

Thursday, September 28, 2017

Thinking of Selling your Ventura County Home? Competiti

Thinking of Selling your Ventura County Home? Competition Is Coming #TimeToSell #ChrisBJohnsonRealtor: #TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your
Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
Share

Chris B Johnson Realtor, Moorpark Short Sale Specialist, Certified REO Bank Owned Realtor

By 

Real Estate Agent – Allison James Elite – CA. BRE 01501699
Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. Call Me.

RECENT BLOG POSTS

  Algunos aspectos destacados: Muchos compradores están comprando casa con un pago inicial tan bajo como el 3 % Usted tal vez podría calificar ya para una hipoteca, aun si no tiene un crédito perfecto. Tome ventaja del conocimiento de su profesional local que está allí para ayudarlo a determinar
10/06/2017
#TimeToSell #ChrisBJohnsonRealtor Some Highlights: Many buyers are purchasing a home with a down payment as little as 3%. You may already qualify for a loan, even if you don’t have perfect credit. Take advantage of the knowledge of your local professionals who are there to help you determine how 
10/06/2017
#TimeToSell #ChrisBJohnsonRealtor La verdad sobre la plusvalía  05 05UTC octubre 05UTC 2017  For Sellers, Move-Up Buyers   Un artículo reciente de una fuente de noticias de buena reputación fue titulado: He aquí porque algunos propietarios de casa aun no pueden vender. En los puntos de apertura d
10/05/2017
#TimeToSell #ChrisBJohnsonRealtor A recent article from a reputable news source was titled: Here’s why some homeowners still can’t sell. In the opening bullets of the article, the author claimed, “Negative equity is one of the main reasons why there are so few homes for sale.” The article then go
10/05/2017
Un cuento de dos mercados: Una actualización de 6 meses  04 04UTC octubre 04UTC 2017  First Time Home Buyers, For Buyers, For Sellers, Housing Market Updates, Move-Up Buyers   Hace seis meses, nosotros informamos que el desajuste entre el tipo de inventario de casas para la venta, y la demanda d
10/04/2017
#TimeToSell #ChrisBJohnsonRealtor Six months ago, we reported that the mismatch between the type of inventory of homes for sale and the demand of buyers in the US was causing the formation of two markets. In the starter and trade-up home categories, there were significantly more buyers than there
10/04/2017
Usted no quiere escuchar esto de su agente vendedor  03 03UTC octubre 03UTC 2017  First Time Home Buyers, For Buyers, For Sellers   Usted ha decidido vender su casa, comienza entrevistando posibles agentes de bienes raíces para ayudarle a través del proceso; usted necesita a alguien en quien pue
10/03/2017
#TimeToSell #ChrisBJohnsonRealtor You’ve decided to sell your house. You begin to interview potential real estate agents to help you through the process. You need someone you trust enough to: Set the market value on possibly the largest asset your family owns (your home) Set the time schedule for
10/03/2017
#TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home.  Your Real Estate Update   FROM CHRIS B J
10/02/2017
¿Qué casas han aumentado más en valor?  02 02UTC octubre 02UTC 2017  First Time Home Buyers, For Buyers, For Sellers, Housing Market Updates, Move-Up Buyers   El valor de las viviendas ha aumentado drásticamente durante los últimos doce meses. El último Informe de las ventas de las casas ya exis
10/02/2017
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Chris B Johnson, REALTOR®Quality Not Quantity #ChrisBJohnsonRealtor (Allison James Elite)

Chris B Johnson

REALTOR®Quality Not Quantity #ChrisBJohnsonRealtor
Is it Too Late to Short Sell My Home??
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Chris B is a Real Estate agent at Prudential California Realty (License No. 01501699), covering the greater Moorpark area.
Phone: 805-208-0823
Email Us
short sale agent in Moorpark

short sale agent in Moorpark    Moorpark short sale realtor    short sale specialist in Moorpark

Helping Moorpark home owners avoid foreclosure with a short sale.
Chris B Johnson specializes in short sales in Moorpark .I am your Moorpark Short Sale Specialist Realtor and Moorpark loan modification and distressed property expert. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.
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