Archive for Short Sales

Moorpark Short Sales Short Sales Are EXEMPT From Deficiency Judgements

Chris B Johnson, REALTOR®, SFR®, CDPE®, CHS®  

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A California homeowner whose home was underwater asked her bank to approve a short sale of their home and the bank agreed… but under one condition.  The borrower would have to agree to waive her anti-deficiency protection, which means that she would be responsible to pay the difference between the sales price of the home and what was owed.

The homeowner agreed… the home was sold for less than the amount owed on the mortgage… and the bank moved to recover the amount of the deficiency.  And were that all there was to the story, it would seem like just another day of the foreclosure crisis and I’d hardly have noticed it, let alone have written about it.

This time, however, the homeowner turned to the courts, filing a complaint that asked the court to rule that the bank could not obtain a deficiency judgment against her based on California Code of Civil Procedure §580b.  That statute, while it would protect a borrower from a deficiency judgment in the case of a foreclosure, was less clear as to whether the protection would extend to short sales.

SHORT

The homeowner’s lawsuit was subsequently dismissed by the trial court, but the appellate court reversed the lower court’s decision, ruling that §580b did in fact prohibit deficiency judgments after ANY kind of sale… assuming it was a purchase money obligation.  [Coker v. JP Morgan Chase Bank, N.A., 2015 Westlaw —–  (Cal.).]

The bank, of course, also argued that the homeowner had agreed to waive any such protection against deficiency judgments, but the high court responded by stating that contractual waivers of §580b are simply unenforceable.

Frankly, I can’t imagine that ruling happening several years ago, so all I can say about it now is… WOW.  It really does show that things do change, perhaps not as quickly as we’d like them to, but in time.

Next, the bank took the case to the California Supreme Court, arguing that since the facts of the case applied to the pre-2012 version of §580b, the anti-deficiency protections should only apply in cases where a foreclosure sale had taken place.  However, just a few days ago, the California Supreme Court unanimously ruled against the bank’s arguments… and ruled in favor of the homeowner. 

The court apparently based its ruling on earlier decisions, determining that in order to protect homeowners from deficiency liability on purchase money obligations, regardless of whether a foreclosure sale had been held, or not… they had all broadly interpreted California Code of Civil Procedure §580b.

So, that’s that.  Assuming we’re talking about a purchase money mortgage, as opposed to a Home Equity Line of Credit used for other purposes, for example, California homeowners don’t have to worry about a lender coming after them to collect amounts not recouped from the sale of their homes… whether the sale occurred as a result of a foreclosure or short sale.

It seems to me that this is an important victory for California’s homeowners, especially since the foreclosure crisis is nowhere near over in this state… but not all legal experts agree. 

This week, Professor Dan Schechter of Loyola Law School, who was involved in the drafting of proposed amendments to clarify earlier versions of the statute, writing for his Commercial Finance Newsletter, published each week on Westlaw, had the following to say about the net effect of the decision…

“Given the enactment of §580e and the ‘reformatting’ of §580b, I do not think that this opinion will have a major impact in future litigation over the application of §580b, since new §580b and §580e now occupy the field.”

What does any of that mean exactly? 

I have no earthly idea, except to say that to me it means that you should consult an experienced attorney before deciding to take legal action based on this decision, because just like all legal rulings and statutes, it’s not black and white in all respects, or as simple as it appears on the surface.

Banks will be banks…

According to Professor Schechter’s analysis of the decision, the bank also questioned whether such a broad interpretation of §580b would serve to encourage borrowers to strategically default… or even cause borrowers to pay more than the market value for homes, because of knowing they have no risk of deficiency liability in all cases involving purchase money. 

The court declined to weigh in on either of those issues, thank the Lord, only offering that earlier cases in California have “implicitly rejected” both ideas.  Clearly, the intent of the state legislature was to protect California homeowners from deficiency liability related to purchase money loans, and now it’s a matter of law that such protection is in place regardless of whether a foreclosure or short sale was involved. 

The other two points about the potential for such broad protection to encourage strategic defaults… or the equally remote risk of borrowers over-paying for properties, didn’t deserve a response, so I applaud the court for its decision not to respond.

For one thing, both claims represent little more than the same sort of scare tactics we’ve seen in countless other arguments made by lenders since the meltdown began in 2008.  And for another, because there are far too many unknowns that could either limit or increase the potential for such outcomes, neither claim can be asserted with any certainty in the hypothetical.

Professor Schechter, although he sees it a bit differently, arrives at basically the same place, writing in his article dated February 1, 2016…

“I believe that both of those arguments have merit but that the Legislature will never change the rule protecting homeowners from liability, for obvious political reasons.”

Again, that does sound like legislative attitudes have changed in this state, which gives me reason to hope that such changes are still coming, but the bottom-line is that this decision makes clear that California homeowners are to be protected against deficiency liability on purchase money loans… period.

And that simply cannot be anything but a positive thing for homeowners, so I think it’s safe to say that this one goes in the “win” column for consumers, which means the bankers can go home and lick their wounds for a change.

Did that come off as being petty?  Perhaps it was, but after watching the courts butcher borrowers for any number of reasons over the last six years, I can’t help but be happy about the proverbial pendulum swinging towards the homeowner’s side, even if just a little bit.

Mandelman out.

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Moorpark Home Values and Pricing Trends #ChrisBJohnsonRealtor

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Moorpark Market Insider-What Is Selling and Why!

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Moorpark Short Sale Specialist What Is For Sale In Moorpark #ChrisBJohnsonRealtor

Chris B Johnson, REALTOR®                         Your Moorpark Neighborhood Specialists

  • 6973 SHADOW WOOD Drive

    Moorpark, CA 93021

    $1,089,000

    • 5 
    • 5 
    • 4112 
    •  Active
    •  215013592
    Welcome to this gorgeous 5 bedroom, 4.5 bath Meridian Hills home. Every inch of this home has been upgraded! Crown molding, wood shutters, travertine …
    Listing courtesy Chris B Johnson, REALTOR®
  • 6953 SHADOW WOOD Drive

    Moorpark, CA 93021

    $934,900

    • 4 
    • 4 
    • 3800 
    •  Active
    •  215012422
    Magnificent Meridian Hills Pool home is an entertainer’s dream! Slate floor with designer medallion in the entry welcomes you upon arrival. Cozy livi…
    Listing courtesy Chris B Johnson, REALTOR®
  • 4165 KINGSVIEW Road

    Moorpark, CA 93021

    $870,000

    • 5 
    • 5 
    • 4003 
    •  Active
    •  215013632
    Views! If you are looking for serenity in a view here is your chance to own it. This beautiful Deauville Cherbourg Model boast over 4,000 square feet!…
    Listing courtesy Chris B Johnson, REALTOR®
  • 12119 LONDON GROVE Court

    Moorpark, CA 93021

    $729,000

    • 4 
    • 3 
    • 2937 
    •  Active
    •  215012529
    Welcome home to this beautiful and stylish Countryside/Mountain Meadows property. Situated on a level cul-de-sac street with views from the upper stor…
    Listing courtesy Chris B Johnson, REALTOR®
  • 15599 MALLORY Court

    Moorpark, CA 93021

    $685,000

    • 4 
    • 3 
    • 2379 
    •  Active
    •  215013418
    Beautiful Campus Hills Estates 4 bedroom 3 bath 2379 sq. ft.Cul-de-sac home features a bedroom downstairs . The kitchen is open to the family room w/f…
    Listing courtesy Chris B Johnson, REALTOR®
  • 13790 GRINDSTONE Court

    Moorpark, CA 93021

    $650,000

    • 3 
    • 3 
    • 2113 
    •  Back Up Offer
    •  215013478
    Offering the best of Magnolia Lane in Moorpark Highlands. This Plan One is nicer then the model. At the end of a quiet cul-de-sac, it offers one of th…
    Listing courtesy Chris B Johnson, REALTOR®
  • 4104 TRAILCREST Drive

    Moorpark, CA 93021

    $625,000

    • 4 
    • 2 
    • 1697 
    •  Active
    •  215013482
    SPECTACULAR Single-Story!! This immaculate upgraded home has the perfect floor plan with living areas on one side of home and bedrooms on the other si…
    Listing courtesy Chris B Johnson, REALTOR®
  • 4411 HONEYGLEN Court

    Moorpark, CA 93021

    $595,000

    • 4 
    • 3 
    • 1970 
    •  Active
    •  215013441
    Wonderful 4 bedroom 2.5 bath home in the Creekside Community in Moorpark. This home has been up-dated with dual pane windows throughout, newer sliding…
    Listing courtesy Chris B Johnson, REALTOR®
  • 12036 RIVER GROVE Court

    Moorpark, CA 93021

    $580,000

    • 3 
    • 3 
    • 2112 
    •  Active
    •  215013291
    Located in the desired Quail Ridge community is this spacious 3BD 2.5BA move-in ready home! Upon entering this light & bright home, one is welcomed to…
    Listing courtesy Chris B Johnson, REALTOR®
  • 14967 MARQUETTE Street

    Moorpark, CA 93021

    $499,999

    • 3 
    • 2 
    • 1643 
    •  Active
    •  SR15199864
    Attention All Moorpark Buyers & Agents! This Is The Super Sharp Showplace Home In Perfect, Immaculate Move In Condition In Prime Moorpark Neighborhood…
    Listing courtesy Chris B Johnson, REALTOR®
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Moorpark Short Sale Specialist Market Update #ChrisBJohnsonRealtor

By Chris B Johnson Realtor,  Short Sale Options, Moorpark Short Sale ,

Thousand Oaks Short SaleSimi Valley Short Sale,  Ventura County Short Sale,

Ventura County Real Estate Market Updates

 Mortgage Rates Just Jumped Over 4%. Now What?

Last week, mortgage interest rates jumped over the 4% mark for the first time this year according to Freddie Mac’s Mortgage Market Survey.

Chris B Johnson, REALTOR®                         Your Moorpark Neighborhood Specialists

Moorpark Home Market Trends               Moorpark Condo-TownHome Market Trends

In an article in Housing Wire, a Bankrate analyst explained:

“Mortgage rates rocketed higher following a stronger than expected monthly employment report. The good news on the job front further solidifies the notion that the Federal Reserve will likely begin raising interest rates soon, perhaps in the third quarter of this year.”

Camarillo Home Market Trends               Camarillo Condo-TownHome Market Trends

Oxnard Home Market Trends                    Oxnard Condo-TownHome Market Trends

Ventura Home Market Trends                   Ventura Condo-TownHome Market Trends

Santa Paula Home Market Trends            Fillmore Home Market Trends

Somis Home Market Trends                       Moorpark Market Activity Report-ButterCreek Estates

Moorpark Market Activity-Belmont        Moorpark Short Sale Report

Ventura County Trends                   Ventura County Neighborhood Values  and Reports

This is the same type of commentary we heard back in the spring of 2013 when the talk of the Fed possibly raising rates caused mortgage interest rates to surge by a full percentage point from the end of April through the end of June of that year.

Will We See that Same Surge in 2015?

No one knows for sure. However, Fannie Mae, Freddie Mac, the Mortgage Bankers Association and the National Association of Realtors are each calling for rates to continue their upswing over the next six quarters.

Here is a chart comparing 2013 to this year:

Mortgage Rate Spike Comparison | Simplifying The Market

Bottom Line

Though no one can definitely say where rates will be six months from now, most experts believe they will be higher. If you are thinking of buying your first home or are considering a move up to the house of your family’s dreams, now may be the best time to do it.

You might also enjoy reading…

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Moorpark Short Sale Market Update – What’s for Sale In Moorpark #ChrisBJohnsonRealtor

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Moorpark Short Sale Market Update #ChrisBJohnsonRealtor

Chris B Johnson, REALTOR®                         Your Moorpark Neighborhood Specialists

Moorpark Home Market Trends               Moorpark Condo-TownHome Market Trends

Moorpark Short Sale Specialist           Moorpark Market Activity Report-ButterCreek Estates

             Moorpark Market Activity-Belmont       

            Real Estate Market & Statistical Updates

     CAR Real Estate Market Forecast 2015 

    California Economic Forecast        

    Luxury Home Specialist        PluseEconomic Forecast              

    Inflation                                    Ventura County Trends

   Good To Know         

Thousand Oaks Home Market Trends   

Thousand Oaks Condo-TownHome Market Trends

Simi Valley Home Market Trends            Simi Valley Condo-TownHome Market Trends

WestLake Home Market Trends               WestLake Condo-TownHome Market Trends

Newbury Park Home Market Trends      Your Equity Is On The Rise!

Camarillo Home Market Trends                Camarillo Condo-TownHome Market Trends

Oxnard Home Market Trends                    Oxnard Condo-TownHome Market Trends

Ventura Home Market Trends                   Ventura Condo-TownHome Market Trends

Santa Paula Home Market Trends            Fillmore Home Market Trends

Somis Home Market Trends      

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Moorpark Short Sale-Real Estate Market Insider

Moorpark Short Sale specialist 805.208.0823By Chris B Johnson Realtor, Moorpark Short Sale ,

Thousand Oaks Short Sale,

Simi Valley Short Sale, Moorpark Short Sale ,

Ventura County Short Sale,

 

Price Trends – Sold vs. Listed

Understand the difference between “listing prices” (what sellers are asking for) and “sold prices” (what buyers are willing to pay).

By comparing these price trends, you’ll have a good idea of where the market is heading. The median listing and sold property prices are calculated based on the market activity each month.

Some sales are not immediately available from public records. As they become available, the data are updated.

Chart Temporarily Unavailable
Market Inventory Trends

The number of active listings in Moorpark (93021) dropped by 4.4% from the previous month.

The median number of days active properties have been listed is 52. This is significantly shorter than the national average.

 

The number of sales in June dropped by 85% from the previous month.

Chart Temporarily Unavailable
Property Ownership

The percent of unoccupied properties is very low in Moorpark (93021) . It is -12.63% below the national average.

The percent of owner occupied properties in Moorpark (93021) is 10.93% above the national average.

Chart Temporarily Unavailable
Additional Statistics for Single Family Homes and Condos in Moorpark, CA
$621,720
Median Listing Price
52
Median Days on Market
140
Active Listings
10.7%
Distressed Listings
(foreclosures and short sales)

 

3 3
1850 214017548
Active

Berkshire Hathaway HomeServices California Realty
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139 results
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Address
City
Price 
Beds
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Total Sq Ft
PropertyId
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Lat
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5500 GRIMES CANYON Road
Moorpark, CA 93021
Moorpark $2,850,000 6 6 5613 214028368 301 34.28512600000000 -118.93469200000000 /ajax/listing/summarypreview/listingids/301|214028368/singleview/1/
9067 VISTA ANACAPA RD.
Moorpark, CA 93021
Moorpark $2,695,000 5 6 4230 SR14125983 301 34.30228000000000 -118.94274900000001 /ajax/listing/summarypreview/listingids/301|SR14125983/singleview/1/
5003 READ Road
Moorpark, CA 93021
Moorpark $2,490,000 5 6 6629 214011159 301 34.24747100000000 -118.84266700000001 /ajax/listing/summarypreview/listingids/301|214011159/singleview/1/
9332 STOCKTON Road
Moorpark, CA 93021
Moorpark $2,000,000 7 8 6750 213005766 301 34.30524000000000 -118.93908000000000 /ajax/listing/summarypreview/listingids/301|213005766/singleview/1/
15490 LAPEYRE Court
Moorpark, CA 93021
Moorpark $1,800,000 2 2 1944 SR13235780 301 34.26589634900000 -118.83641455300000 /ajax/listing/summarypreview/listingids/301|SR13235780/singleview/1/
4914 READ Road
Thousand Oaks, CA 93021
Thousand Oaks $1,750,000 5 4 4070 214023686 301 34.24988100000000 -118.86280900000000 /ajax/listing/summarypreview/listingids/301|214023686/singleview/1/
Moorpark, CA 93021 Moorpark $1,699,000 3 1 1488 214030885 301 34.26001000000000 -118.84009600000000 /ajax/listing/summarypreview/listingids/301|214030885/singleview/1/
7816 GRIMES CANYON Road
Moorpark, CA 93021
Moorpark $1,650,000 5 4 2915 214032382 301 34.31156200000000 -118.90860000000001 /ajax/listing/summarypreview/listingids/301|214032382/singleview/1/
12258 PALMER Drive
Moorpark, CA 93021
Moorpark $1,579,000 5 6 5851 214018012 301 34.30722800000000 -118.88745900000001 /ajax/listing/summarypreview/listingids/301|214018012/singleview/1/
7246 LITTLER Court
Moorpark, CA 93021
Moorpark $1,475,000 5 6 5861 214014153 301 34.30454600000000 -118.89068600000000 /ajax/listing/summarypreview/listingids/301|214014153/singleview/1/
13291 SHADOW WOOD Place
Moorpark, CA 93021
Moorpark $1,395,000 5 6 4708 214017901 301 34.30038100000000 -118.87867700000000 /ajax/listing/summarypreview/listingids/301|214017901/singleview/1/
6758 TREVINO Drive
Moorpark, CA 93021
Moorpark $1,349,000 6 6 5000 214014601 301 34.29761500000000 -118.91264300000000 /ajax/listing/summarypreview/listingids/301|214014601/singleview/1/
9003 VISTA ANACAPA Road
Moorpark, CA 93021
Moorpark $1,249,000 2 2 1800 SR14139390 301 34.31297700000000 -118.94572400000000 /ajax/listing/summarypreview/listingids/301|SR14139390/singleview/1/
13689 PINEFIELD Court
Moorpark, CA 93021
Moorpark $1,098,000 4 5 4077 214027678 301 34.30448500000000 -118.85991700000000 /ajax/listing/summarypreview/listingids/301|214027678/singleview/1/
13153 TURNSTONE
Moorpark, CA 93021
Moorpark $1,095,000 4 6 4708 214030821 301 34.29791300000000 -118.88122600000000 /ajax/listing/summarypreview/listingids/301|214030821/singleview/1/
13254 SHADOW WOOD Place
Moorpark, CA 93021
Moorpark $1,038,000 5 6 4708 214030282 301 34.29966700000000 -118.87922700000000 /ajax/listing/summarypreview/listingids/301|214030282/singleview/1/
6963 BLUE RIDGE Way
Moorpark, CA 93021
Moorpark $949,000 5 5 3886 214029644 301 34.29957600000000 -118.87309300000000 /ajax/listing/summarypreview/listingids/301|214029644/singleview/1/
6963 BLUE RIDGE Way
Moorpark, CA 93021
Moorpark $949,000 5 5 3886 14788901 301 34.29957600000000 -118.87309300000000 /ajax/listing/summarypreview/listingids/301|14788901/singleview/1/
4386 MANORVIEW Court
Moorpark, CA 93021
Moorpark $939,900 5 5 4003 SR14156564 301 34.26848200000000 -118.90879099999999 /ajax/listing/summarypreview/listingids/301|SR14156564/singleview/1/
4109 LAURELVIEW Drive
Moorpark, CA 93021
Moorpark $887,777 5 5 3795 OC14178969 301 34.26547600000000 -118.90734900000000 /ajax/listing/summarypreview/listingids/301|OC14178969/singleview/1/
13270 SHADOW WOOD Place
Moorpark, CA 93021
Moorpark $874,900 5 5 3802 214029829 301 34.29964400000000 -118.87896700000000 /ajax/listing/summarypreview/listingids/301|214029829/singleview/1/
4109 LAURELVIEW Drive
Moorpark, CA 93021
Moorpark $872,000 5 5 3795 214032044 301 34.26547600000000 -118.90734900000000 /ajax/listing/summarypreview/listingids/301|214032044/singleview/1/
14176 HURON Court
Moorpark, CA 93021
Moorpark $870,000 4 4 3811 214023995 301 34.26654100000000 -118.86432600000001 /ajax/listing/summarypreview/listingids/301|214023995/singleview/1/
13741 SHENANDOAH Way
Moorpark, CA 93021
Moorpark $869,900 4 4 3886 214031424 301 34.29771000000000 -118.87200199999999 /ajax/listing/summarypreview/listingids/301|214031424/singleview/1/
11226 BENTCREEK Road
Moorpark, CA 93021
Moorpark $869,900 5 5 3795 214031061 301 34.26636500000000 -118.90923300000000 /ajax/listing/summarypreview/listingids/301|214031061/singleview/1/
13190 RED BIRD Court
Moorpark, CA 93021
Moorpark $868,888 5 4 3802 214019038 301 34.29882800000000 -118.87998200000000 /ajax/listing/summarypreview/listingids/301|214019038/singleview/1/
4168 LAURELVIEW Drive
Moorpark, CA 93021
Moorpark $867,000 5 5 4003 214013864 301 34.26615900000000 -118.90588400000000 /ajax/listing/summarypreview/listingids/301|214013864/singleview/1/
14810 BLUE RIDGE Court
Moorpark, CA 93021
Moorpark $849,000 5 4 3211 214017287 301 34.29810700000000 -118.87079600000000 /ajax/listing/summarypreview/listingids/301|214017287/singleview/1/
4220 KINGSVIEW Road
Moorpark, CA 93021
Moorpark $839,900 5 5 4003 214018594 301 34.26694900000000 -118.91125500000000 /ajax/listing/summarypreview/listingids/301|214018594/singleview/1/
4164 DAKOTA Drive
Moorpark, CA 93021
Moorpark $839,900 4 5 4777 214025944 301 34.26747500000000 -118.86243399999999 /ajax/listing/summarypreview/listingids/301|214025944/singleview/1/
11721 PINEDALE Road
Moorpark, CA 93021
Moorpark $839,000 5 5 4309 214030550 301 34.27013400000000 -118.90041400000000 /ajax/listing/summarypreview/listingids/301|214030550/singleview/1/
Moorpark, CA 93021 Moorpark $824,900 4 3 2060 214031368 301 34.26121500000000 -118.87323800000000 /ajax/listing/summarypreview/listingids/301|214031368/singleview/1/
14666 CORKWOOD Drive
Moorpark, CA 93021
Moorpark $799,900 5 4 3165 214028805 301 34.26793700000000 -118.85526299999999 /ajax/listing/summarypreview/listingids/301|214028805/singleview/1/
3943 QUAILWOOD Street
Moorpark, CA 93021
Moorpark $799,000 4 4 3509 214029513 301 34.26365700000000 -118.90278600000001 /ajax/listing/summarypreview/listingids/301|214029513/singleview/1/
6949 BLUE RIDGE Way
Moorpark, CA 93021
Moorpark $799,000 5 5 3811 214015644 301 34.29948800000000 -118.87332200000000 /ajax/listing/summarypreview/listingids/301|214015644/singleview/1/
12659 MISTY GROVE Street
Moorpark, CA 93021
Moorpark $790,000 5 5 3631 214003846 301 34.26313163300000 -118.88716857100000 /ajax/listing/summarypreview/listingids/301|214003846/singleview/1/
14578 CORKWOOD Drive
Moorpark, CA 93021
Moorpark $785,000 4 3 3029 214027061 301 34.26747500000000 -118.85646800000001 /ajax/listing/summarypreview/listingids/301|214027061/singleview/1/
11683 PINEDALE Road
Moorpark, CA 93021
Moorpark $779,000 4 4 3949 SR14182745 301 34.27021800000000 -118.90125300000000 /ajax/listing/summarypreview/listingids/301|SR14182745/singleview/1/
13961 BLACK ROCK CIRCLE
Moorpark, CA 93021
Moorpark $777,990 4 4 2607 14780841 301 34.29557500000000 -118.86790400000000 /ajax/listing/summarypreview/listingids/301|14780841/singleview/1/
13624 SILVER OAK Lane
Moorpark, CA 93021
Moorpark $774,900 4 3 2996 214028190 301 34.27191900000000 -118.87271900000000 /ajax/listing/summarypreview/listingids/301|214028190/singleview/1/
11667 NORTHDALE Drive
Moorpark, CA 93021
Moorpark $765,000 5 4 2858 214022126 301 34.27131700000000 -118.90132100000000 /ajax/listing/summarypreview/listingids/301|214022126/singleview/1/
11576 FLOWERWOOD Court
Moorpark, CA 93021
Moorpark $765,000 5 5 3631 214023536 301 34.26189400000000 -118.90327499999999 /ajax/listing/summarypreview/listingids/301|214023536/singleview/1/
3873 HUNTER CREST Court
Moorpark, CA 93021
Moorpark $750,000 6 6 4836 SR14161412 301 34.26166200000000 -118.89170100000000 /ajax/listing/summarypreview/listingids/301|SR14161412/singleview/1/
Moorpark, CA 93021 Moorpark $749,500 4 3 2751 214031364 301 34.26339300000000 -118.88702400000000 /ajax/listing/summarypreview/listingids/301|214031364/singleview/1/
11529 NORTHDALE Drive
Moorpark, CA 93021
Moorpark $749,000 4 3 2639 214031575 301 34.26972600000000 -118.90349600000000 /ajax/listing/summarypreview/listingids/301|214031575/singleview/1/
14383 LAUREL Lane
Moorpark, CA 93021
Moorpark $745,900 4 3 2317 214031235 301 34.26986300000000 -118.86032899999999 /ajax/listing/summarypreview/listingids/301|214031235/singleview/1/
15554 HARTE Lane
Moorpark, CA 93021
Moorpark $719,950 5 3 2766 SR14185586 301 34.30689600000000 -118.83832600000000 /ajax/listing/summarypreview/listingids/301|SR14185586/singleview/1/
13297 RED BIRD Court
Moorpark, CA 93021
Moorpark $719,000 5 4 3802 SR14096552 301 34.29902600000000 -118.87866200000001 /ajax/listing/summarypreview/listingids/301|SR14096552/singleview/1/
6519 FISHERS Court
Moorpark, CA 93021
Moorpark $715,000 4 3 2973 214028881 301 34.29456700000000 -118.87209300000001 /ajax/listing/summarypreview/listingids/301|214028881/singleview/1/
4249 SCHOLARTREE Court
Moorpark, CA 93021
Moorpark $703,000 4 3 2553 214023058 301 34.26826900000000 -118.85556800000001 /ajax/listing/summarypreview/listingids/301|214023058/singleview/1/
4281 HITCH Boulevard
Moorpark, CA 93021
Moorpark $699,000 4 3 2542 214022721 301 34.26859700000000 -118.91932700000000 /ajax/listing/summarypreview/listingids/301|214022721/singleview/1/
4176 SANTA ROSA Drive
Moorpark, CA 93021
Moorpark $699,000 3 3 2089 214020264 301 34.26744500000000 -118.91353599999999 /ajax/listing/summarypreview/listingids/301|214020264/singleview/1/
4260 HEATHERDALE Court
Moorpark, CA 93021
Moorpark $699,000 5 4 3145 SR14185685 301 34.26794800000000 -118.90305300000000 /ajax/listing/summarypreview/listingids/301|SR14185685/singleview/1/
4632 PEPPER MILL Street
Moorpark, CA 93021
Moorpark $698,500 4 3 2533 214032291 301 34.27310200000000 -118.90564700000000 /ajax/listing/summarypreview/listingids/301|214032291/singleview/1/
3909 TIMBERRIDGE Road
Moorpark, CA 93021
Moorpark $684,900 4 4 2709 214030639 301 34.26167300000000 -118.90760800000000 /ajax/listing/summarypreview/listingids/301|214030639/singleview/1/
12202 WILLOW SPRING Drive
Moorpark, CA 93021
Moorpark $679,900 4 3 2701 214028763 301 34.26849000000000 -118.89639300000000 /ajax/listing/summarypreview/listingids/301|214028763/singleview/1/
12506 WILLOW HILL Drive
Moorpark, CA 93021
Moorpark $679,000 4 3 2645 214030874 301 34.27002700000000 -118.89156300000000 /ajax/listing/summarypreview/listingids/301|214030874/singleview/1/
4050 WEEPING WILLOW Drive
Moorpark, CA 93021
Moorpark $678,000 4 3 2186 214032326 301 34.26376000000000 -118.87184900000000 /ajax/listing/summarypreview/listingids/301|214032326/singleview/1/
6555 FISHERS Court
Moorpark, CA 93021
Moorpark $676,000 4 3 2672 214017791 301 34.29496000000000 -118.87227600000000 /ajax/listing/summarypreview/listingids/301|214017791/singleview/1/
4531 BRISTLECONE Circle
Moorpark, CA 93021
Moorpark $675,000 3 4 3111 214009024 301 34.27277800000000 -118.86415900000000 /ajax/listing/summarypreview/listingids/301|214009024/singleview/1/
13708 PINNACLE Way
Moorpark, CA 93021
Moorpark $675,000 4 3 2672 214026327 301 34.29618100000000 -118.87236799999999 /ajax/listing/summarypreview/listingids/301|214026327/singleview/1/
12378 CHERRY GROVE Street
Moorpark, CA 93021
Moorpark $672,000 3 3 2463 214024878 301 34.26250800000000 -118.88974000000000 /ajax/listing/summarypreview/listingids/301|214024878/singleview/1/
11291 TERRACERIDGE Road
Moorpark, CA 93021
Moorpark $659,000 4 3 2096 214032316 301 34.26326800000000 -118.90977500000000 /ajax/listing/summarypreview/listingids/301|214032316/singleview/1/
12420 WILLOW HILL Drive
Moorpark, CA 93021
Moorpark $655,000 4 3 2645 214022475 301 34.27019100000000 -118.89212800000000 /ajax/listing/summarypreview/listingids/301|214022475/singleview/1/
4049 WEEPING WILLOW Drive
Moorpark, CA 93021
Moorpark $649,900 4 3 2186 214032113 301 34.26348100000000 -118.87234500000000 /ajax/listing/summarypreview/listingids/301|214032113/singleview/1/
12319 WILLOW FOREST Drive
Moorpark, CA 93021
Moorpark $649,000 4 3 2216 214018896 301 34.26963800000000 -118.89412700000000 /ajax/listing/summarypreview/listingids/301|214018896/singleview/1/
4355 COUNTRY MEADOW Street
Moorpark, CA 93021
Moorpark $649,000 4 3 2701 214018979 301 34.27026400000000 -118.88549000000000 /ajax/listing/summarypreview/listingids/301|214018979/singleview/1/
11571 WILLOWOOD Court
Moorpark, CA 93021
Moorpark $639,900 4 3 2643 214026465 301 34.27592800000000 -118.90480800000000 /ajax/listing/summarypreview/listingids/301|214026465/singleview/1/
3931 BROOKHURST Court
Moorpark, CA 93021
Moorpark $630,000 5 3 2579 SR13244087 301 34.26282000000000 -118.88352999999999 /ajax/listing/summarypreview/listingids/301|SR13244087/singleview/1/
12075 ALDERBROOK Street
Moorpark, CA 93021
Moorpark $629,000 4 3 2284 214031670 301 34.26605200000000 -118.89468400000000 /ajax/listing/summarypreview/listingids/301|214031670/singleview/1/
14263 CLEMSON Street
Moorpark, CA 93021
Moorpark $629,000 5 3 2392 214024796 301 34.29554400000000 -118.86478400000000 /ajax/listing/summarypreview/listingids/301|214024796/singleview/1/
4959 North North BUTTERCREEK Road
Moorpark, CA 93021
Moorpark $619,900 4 4 3192 214016220 301 34.27823300000000 -118.90702800000000 /ajax/listing/summarypreview/listingids/301|214016220/singleview/1/
13845 CHRISTIAN BARRETT Drive
Moorpark, CA 93021
Moorpark $619,000 4 3 2186 214031378 301 34.26390500000000 -118.86983499999999 /ajax/listing/summarypreview/listingids/301|214031378/singleview/1/
11597 WILDFLOWER Court
Moorpark, CA 93021
Moorpark $615,000 5 3 2939 BB14167939 301 34.27704200000000 -118.90448000000001 /ajax/listing/summarypreview/listingids/301|BB14167939/singleview/1/
11597 WILDFLOWER Court
Moorpark, CA 93021
Moorpark $615,000 5 3 2939 214029826 301 34.27704200000000 -118.90448000000001 /ajax/listing/summarypreview/listingids/301|214029826/singleview/1/
11520 POPPYGLEN Court
Moorpark, CA 93021
Moorpark $614,900 5 4 3192 214023008 301 34.27751500000000 -118.90634900000001 /ajax/listing/summarypreview/listingids/301|214023008/singleview/1/
13648 CHESTERFIELD Drive
Moorpark, CA 93021
Moorpark $605,000 5 3 2643 214022053 301 34.27274300000000 -118.87228399999999 /ajax/listing/summarypreview/listingids/301|214022053/singleview/1/
14268 CLEMSON Street
Moorpark, CA 93021
Moorpark $599,999 3 3 2174 214025736 301 34.29512800000000 -118.86503600000000 /ajax/listing/summarypreview/listingids/301|214025736/singleview/1/
4495 SKYGLEN Court
Moorpark, CA 93021
Moorpark $599,999 4 3 1970 SR14101749 301 34.27233900000000 -118.89220400000001 /ajax/listing/summarypreview/listingids/301|SR14101749/singleview/1/
14013 FOX GLOVE Drive
Moorpark, CA 93021
Moorpark $599,999 4 3 2311 214032048 301 34.30448500000000 -118.85991700000000 /ajax/listing/summarypreview/listingids/301|214032048/singleview/1/
4449 CLEARCREEK Court
Moorpark, CA 93021
Moorpark $599,000 4 3 2612 214032102 301 34.27225900000000 -118.90701300000001 /ajax/listing/summarypreview/listingids/301|214032102/singleview/1/
6977 HASTINGS Street
Moorpark, CA 93021
Moorpark $595,000 2 2 1613 214031910 301 34.29991500000000 -118.86261000000000 /ajax/listing/summarypreview/listingids/301|214031910/singleview/1/
6813 LAFAYETTE Court
Moorpark, CA 93021
Moorpark $585,000 3 2 1774 214027372 301 34.29775200000000 -118.86362500000000 /ajax/listing/summarypreview/listingids/301|214027372/singleview/1/
11515 WILLOWOOD Court
Moorpark, CA 93021
Moorpark $579,000 4 2 2242 SR14169515 301 34.27589400000000 -118.90634200000000 /ajax/listing/summarypreview/listingids/301|SR14169515/singleview/1/
4206 GRANADILLA Drive
Moorpark, CA 93021
Moorpark $569,950 4 2 1770 SR14147307 301 34.26674300000000 -118.88299600000001 /ajax/listing/summarypreview/listingids/301|SR14147307/singleview/1/
15712 SOPHOMORE Court
Moorpark, CA 93021
Moorpark $550,000 4 2 1837 214028865 301 34.30518300000000 -118.83545700000001 /ajax/listing/summarypreview/listingids/301|214028865/singleview/1/
12035 BUBBLING BROOK Street
Moorpark, CA 93021
Moorpark $549,000 3 3 2112 214029234 301 34.26543000000000 -118.89473000000000 /ajax/listing/summarypreview/listingids/301|214029234/singleview/1/
15497 MALLORY Court
Moorpark, CA 93021
Moorpark $547,000 4 2 1837 214011464 301 34.30624400000000 -118.84021000000000 /ajax/listing/summarypreview/listingids/301|214011464/singleview/1/
3901 SARNO Court #49
Moorpark, CA 93021
Moorpark $544,900 3 3 1850 214017548 301 34.26315700000000 -118.89924600000001 /ajax/listing/summarypreview/listingids/301|214017548/singleview/1/
11874 SIENA Court
Moorpark, CA 93021
Moorpark $539,950 3 3 1850 214020924 301 34.26443100000000 -118.89839200000000 /ajax/listing/summarypreview/listingids/301|214020924/singleview/1/
4367 LAURELHURST Road
Moorpark, CA 93021
Moorpark $528,900 3 2 1595 214025970 301 34.27079400000000 -118.86915600000000 /ajax/listing/summarypreview/listingids/301|214025970/singleview/1/
337 SHASTA Avenue
Moorpark, CA 93021
Moorpark $525,000 5 3 2246 214032209 301 34.28250900000000 -118.89179200000000 /ajax/listing/summarypreview/listingids/301|214032209/singleview/1/
4485 SUGAR MAPLE Court
Moorpark, CA 93021
Moorpark $515,000 3 2 1481 214032193 301 34.27146900000000 -118.88346100000000 /ajax/listing/summarypreview/listingids/301|214032193/singleview/1/
6843 SPERRYVILLE Lane
Moorpark, CA 93021
Moorpark $515,000 3 3 1816 314031360 301 34.29919400000000 -118.86733200000000 /ajax/listing/summarypreview/listingids/301|314031360/singleview/1/
13004 East MESA VERDE Drive
Moorpark, CA 93021
Moorpark $505,000 3 2 1439 214032101 301 34.27169800000000 -118.88221000000000 /ajax/listing/summarypreview/listingids/301|214032101/singleview/1/
15469 DRACENA Avenue
Moorpark, CA 93021
Moorpark $499,950 3 3 1642 214029652 301 34.29510100000000 -118.83880600000001 /ajax/listing/summarypreview/listingids/301|214029652/singleview/1/
Moorpark, CA 93021 Moorpark $485,000 3 2 1322 OC14153019 301 34.29577600000000 -118.85202800000000 /ajax/listing/summarypreview/listingids/301|OC14153019/singleview/1/
6490 North DUKE Street
Moorpark, CA 93021
Moorpark $479,999 4 2 1831 SR14049478 301 34.29466600000000 -118.85115800000000 /ajax/listing/summarypreview/listingids/301|SR14049478/singleview/1/
4329 DEEPWELL Lane
Moorpark, CA 93021
Moorpark $475,000 3 2 1310 214022376 301 34.27002000000000 -118.87503100000001 /ajax/listing/summarypreview/listingids/301|214022376/singleview/1/
6851 SPERRYVILLE Lane
Moorpark, CA 93021
Moorpark $465,000 3 3 1432 214032423 301 34.29901100000000 -118.86772900000000 /ajax/listing/summarypreview/listingids/301|214032423/singleview/1/
144 MOONSONG Court
Moorpark, CA 93021
Moorpark $460,000 3 3 1667 214015310 301 34.27920500000000 -118.87993600000000 /ajax/listing/summarypreview/listingids/301|214015310/singleview/1/
4852 PENROSE Avenue
Moorpark, CA 93021
Moorpark $459,900 3 3 1587 214029608 301 34.27792400000000 -118.89991000000001 /ajax/listing/summarypreview/listingids/301|214029608/singleview/1/
12462 REYES Street
Moorpark, CA 93021
Moorpark $454,950 4 3 1570 214028115 301 34.28412200000000 -118.88900800000000 /ajax/listing/summarypreview/listingids/301|214028115/singleview/1/
4064 BRINDISI Place
Moorpark, CA 93021
Moorpark $450,000 3 3 1547 214023557 301 34.26601400000000 -118.89859000000000 /ajax/listing/summarypreview/listingids/301|214023557/singleview/1/
231 WHITNEY Avenue
Moorpark, CA 93021
Moorpark $449,900 3 2 1500 PW14171361 301 34.28137200000000 -118.89099100000000 /ajax/listing/summarypreview/listingids/301|PW14171361/singleview/1/
6819 SIMMONS Way
Moorpark, CA 93021
Moorpark $449,500 3 3 1432 214028693 301 34.29812200000000 -118.86721799999999 /ajax/listing/summarypreview/listingids/301|214028693/singleview/1/
4333 KIMBERWICK Lane
Moorpark, CA 93021
Moorpark $445,000 3 2 1018 214028373 301 34.26988600000000 -118.87674000000000 /ajax/listing/summarypreview/listingids/301|214028373/singleview/1/
6890 PECAN Avenue
Moorpark, CA 93021
Moorpark $440,000 3 2 1334 213002609 301 34.29929000000000 -118.84511999999999 /ajax/listing/summarypreview/listingids/301|213002609/singleview/1/
13185 NORFOLK Court #24
Moorpark, CA 93021
Moorpark $438,000 3 3 1792 214030828 301 34.27766800000000 -118.87940200000000 /ajax/listing/summarypreview/listingids/301|214030828/singleview/1/
6607 PECAN Avenue
Moorpark, CA 93021
Moorpark $425,000 3 3 1661 12016318 301 34.29626000000000 -118.84483000000000 /ajax/listing/summarypreview/listingids/301|12016318/singleview/1/
4146 FLOWERVIEW Court
Moorpark, CA 93021
Moorpark $424,900 3 3 1502 214030470 301 34.26598000000000 -118.90218400000001 /ajax/listing/summarypreview/listingids/301|214030470/singleview/1/
14681 MARYMOUNT Street
Moorpark, CA 93021
Moorpark $420,000 2 2 1267 214031278 301 34.30036200000000 -118.85534699999999 /ajax/listing/summarypreview/listingids/301|214031278/singleview/1/
11541 TREEVIEW Court
Moorpark, CA 93021
Moorpark $419,999 3 3 1502 214012888 301 34.26535400000000 -118.90306099999999 /ajax/listing/summarypreview/listingids/301|214012888/singleview/1/
14704 LOYOLA Street
Moorpark, CA 93021
Moorpark $419,900 3 2 1365 214015569 301 34.29804600000000 -118.85395100000000 /ajax/listing/summarypreview/listingids/301|214015569/singleview/1/
4212 SKYBROOK Court
Moorpark, CA 93021
Moorpark $415,000 3 3 1502 214006966 301 34.26691100000000 -118.90103100000000 /ajax/listing/summarypreview/listingids/301|214006966/singleview/1/
6882 IVY CREEK Way
Moorpark, CA 93021
Moorpark $400,000 3 2 1189 214026547 301 34.29846600000000 -118.86747699999999 /ajax/listing/summarypreview/listingids/301|214026547/singleview/1/
4023 BRINDISI Place
Moorpark, CA 93021
Moorpark $399,999 2 3 1420 214032002 301 34.26535400000000 -118.89844500000000 /ajax/listing/summarypreview/listingids/301|214032002/singleview/1/
4388 BROOKDALE Lane
Moorpark, CA 93021
Moorpark $399,999 2 1 1026 214031854 301 34.27093900000000 -118.87709800000000 /ajax/listing/summarypreview/listingids/301|214031854/singleview/1/
4068 MILANO Place #60
Moorpark, CA 93021
Moorpark $399,000 2 3 1420 SR14186467 301 34.26592300000000 -118.89943700000001 /ajax/listing/summarypreview/listingids/301|SR14186467/singleview/1/
11675 COUNTRYSPRINGS Court #3
Moorpark, CA 93021
Moorpark $389,000 2 2 1407 214024273 301 34.26624700000000 -118.90112300000000 /ajax/listing/summarypreview/listingids/301|214024273/singleview/1/
6805 SIMMONS Way
Moorpark, CA 93021
Moorpark $379,000 3 2 1189 314031258 301 34.29753100000000 -118.86714200000000 /ajax/listing/summarypreview/listingids/301|314031258/singleview/1/
6870 IVY CREEK Way
Moorpark, CA 93021
Moorpark $369,000 3 2 1189 214029790 301 34.29802300000000 -118.86748500000000 /ajax/listing/summarypreview/listingids/301|214029790/singleview/1/
14961 CAMPUS PARK Drive #C
Moorpark, CA 93021
Moorpark $360,000 4 3 1562 214030791 301 34.29646700000000 -118.84943400000000 /ajax/listing/summarypreview/listingids/301|214030791/singleview/1/
15195 MARQUETTE Street #B
Moorpark, CA 93021
Moorpark $350,000 4 3 1455 214023988 301 34.29668000000000 -118.84549000000000 /ajax/listing/summarypreview/listingids/301|214023988/singleview/1/
4128 HILLPARK Court
Moorpark, CA 93021
Moorpark $345,000 2 2 1020 214031642 301 34.26582700000000 -118.90362500000001 /ajax/listing/summarypreview/listingids/301|214031642/singleview/1/
4725 ELDERBERRY Avenue
Moorpark, CA 93021
Moorpark $335,000 2 2 952 214027336 301 34.27597400000000 -118.89854400000000 /ajax/listing/summarypreview/listingids/301|214027336/singleview/1/
15030 REEDLEY Street #B
Moorpark, CA 93021
Moorpark $329,000 3 3 1353 314031083 301 34.29693600000000 -118.84812200000000 /ajax/listing/summarypreview/listingids/301|314031083/singleview/1/
15166 CAMPUS PARK Drive #F
Moorpark, CA 93021
Moorpark $325,000 3 2 1514 214030895 301 34.29575300000000 -118.84616900000000 /ajax/listing/summarypreview/listingids/301|214030895/singleview/1/
4067 BRINDISI Place
Moorpark, CA 93021
Moorpark $320,000 2 2 1042 214029545 301 34.26578500000000 -118.89866600000001 /ajax/listing/summarypreview/listingids/301|214029545/singleview/1/
15136 VARSITY Street #B
Moorpark, CA 93021
Moorpark $315,000 3 2 1339 214029336 301 34.29451800000000 -118.84728200000001 /ajax/listing/summarypreview/listingids/301|214029336/singleview/1/
445 CHARLES Street
Moorpark, CA 93021
Moorpark $315,000 2 1 916 214024634 301 34.28670900000000 -118.87573200000000 /ajax/listing/summarypreview/listingids/301|214024634/singleview/1/
4147 FLOWERVIEW Court
Moorpark, CA 93021
Moorpark $309,000 2 2 1020 SR14144144 301 34.26585800000000 -118.90245800000000 /ajax/listing/summarypreview/listingids/301|SR14144144/singleview/1/
15102 VARSITY Street #E
Moorpark, CA 93021
Moorpark $299,000 3 2 1295 214025648 301 34.29457500000000 -118.84754200000000 /ajax/listing/summarypreview/listingids/301|214025648/singleview/1/
504 CHARLES Street #16B
Moorpark, CA 93021
Moorpark $298,900 2 2 1375 214014810 301 34.28606400000000 -118.87442799999999 /ajax/listing/summarypreview/listingids/301|214014810/singleview/1/
560 SPRING Road #84
Moorpark, CA 93021
Moorpark $298,500 3 2 1038 SR14155287 301 34.28017000000000 -118.87229200000000 /ajax/listing/summarypreview/listingids/301|SR14155287/singleview/1/
521 SPRING Road #16
Moorpark, CA 93021
Moorpark $277,000 3 2 1038 SR14172479 301 34.28067400000000 -118.87359600000001 /ajax/listing/summarypreview/listingids/301|SR14172479/singleview/1/
4175 HILLBROOK Court #29
Moorpark, CA 93021
Moorpark $275,000 2 2 1020 OC14053581 301 34.26626200000000 -118.90195500000000 /ajax/listing/summarypreview/listingids/301|OC14053581/singleview/1/
150 East LOS ANGELES Avenue #513
Moorpark, CA 93021
Moorpark $269,500 3 2 1196 214030337 301 34.27866400000000 -118.87992100000000 /ajax/listing/summarypreview/listingids/301|214030337/singleview/1/
150 MAJESTIC CT #907
Moorpark, CA 93021
Moorpark $250,000 3 2 1196 214017582 301 34.27622200000000 -118.88014200000001 /ajax/listing/summarypreview/listingids/301|214017582/singleview/1/
 

Many Ventura County Homes Appreciated by over 16% Last Year.  If you’re thinking of selling, yours may have now have enough equity to sell without being “Short”.

Pricing your home correctly the FIRST TIME is more important than ever!

If you want an accurate idea of what your home is worth Click Here:   Moorpark Short Sale Specialist 805.208.0823

You may now have enough EQUITY in your home to sell WITHOUT

having to be “short”. If you are thinking about a short saleI can help

you get an accurate value for your home and get back on your feet.

If you would like periodic updates on what is going on in

Your Neighborhoodor the Ventura County Real Estate Market, Click on the Links!

Thanks for reading this,

Chris B Johnson.

 

Chris B Johnson is a Realtor with Berkshire Hathaway HomeServices .

Phone: 805-208-0823.

email cjohnson@BHHScalhomes.com.

Certified HAFA Specialist   Certified Distressed Property Expert   Certified Short Sale Negotiator  

You Need A Professional When Buying A Home

Finding The Right Solution                                               How To Do A Short Sale

How To Write A Hardship Letter                            Loan Modification Kit

Short Sale VS Foreclosure                                    Loan Mod-Active Status Review

Is It Too Late For A Short Sale?                             The Truth About Loan Modification Approvals

Thousand Oaks Market Update                            Simi Valley Short Sale Trends

Moorpark Market Update                                        Moorpark Market Trends

Ventura County Mortgage Forgiveness              Ventura County Buyers vs Sellers

Are We Still UnderWater?                                      Which Way Is This Market Headed?

Simi Valley-Price To Sell??                                   Thousand Oaks Deficiency Judgment

Moorpark Short Sale-HyperLocal                          Thousand Oaks Short Sale-HyperLocal

Simi Valley Short Sale-HyperLocal                      Buy VS Rent    &    Buying Beats Renting

Single Point Of Contact = Success?                    Ventura County Short Sale Market Trends

Is Residential Real Estate Really a ‘Crapshoot’?          Why Do Over 2/3’s Of All Chapter 13 Bankruptcy’s Fail? 

The Return Of The Housing Market

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How To Fix Your Credit After A Moorpark Short Sale: Step 1

Choose Moorpark’s Top Listing Real Estate Agent with Prudential California Realty. Moorpark Certified Short Sale Specialist, Moorpark Short Sale Help, Certified Short Sale Negotiator, Stop Foreclosure Moorpark CA,  THE BEST REAL ESTATE AGENT SERVING MOORPARK CA,

Chris B. Johnson Realtor is real estate professional who Specializing 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 and Certified Pre-Foreclosure Specialist. With a full time staff dedicated to short sale negotiations and transactions, we have been successful with every short sale to date.

Moorpark CA – One of the common reasons that people are concerned about a foreclosure or short sale in their history is because they are concerned about their credit score.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

While it’s true that your credit score will be adversely affected by these items, it is also true that you can move past blemishes on a credit report.

You may want to consider doing some credit repair or credit restoration. It isn’t hard to do, and when taken step by step, it can be handled in an organized, manageable way.

The first step that you need to do is to get and review your credit report. I’m always amazed by the psychology of just this step.

Most people don’t want to pull their credit report because they “just feel” like it will be bad, and they don’t want to see it.

However, you won’t know where you are at or how to get onto the next phase of recovery until you figure out where you are at.

You have seen all the commercials, and can sing the jingles, for some of the places to get your credit report. There are pros and cons for any of the places you can get your credit report.

The two words of caution I offer here are:

1. You can get an annual free credit report (the one that the government requires the 3 credit reporting bureaus to provide) from annualcreditreport dot com.

However – if you choose this route – it is free, but it then bumps up the time that a creditor has to investigate any of your disputes from 30 to 45 days.

This isn’t a great option, in my opinion. You’ll understand why after you learn about the dispute process.

Also, be aware that this service doesn’t have to give you your 3 digit credit score – which you might want to know.

2. Most of the other services offer you a free 30 day trial period, and then you get “enrolled” in their credit monitoring program. If you aren’t one to keep track of the 30 day trial timeframe, you could end up sucked into paying for something that you wouldn’t normally want to spend monthly money on.

In my next blog post I will talk about how to review your report, what to look for, and how to analyze it. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at cjohnson@prucalhomes.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 805-208-0823

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Ventura County loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris B Johnson.

Chris B is a Real Estate Agent at Prudential Califonia Realty.

Phone: 805-208-0823. cjohnson@prucalhomes.com.

Certified HAFA Specialist, Certified Short Sale Specialist

View My homes for sale at www.ChrisBJohnsonRealtor.com.

Chris Johnson specializes in loan modification assistance and short sales in Ventura County California. Ventura County Loan Modification Help, Ventura County short sales. Ventura County Short Sale Realtor Ventura County CA Short Sales. Ventura County Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris B Johnson, Prudential Califonia Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris B’s personal views and do not reflect the views of Prudential Califonia Realty.

This information on How To Fix Your Credit After A Ventura County Short Sale: Step 1 is provided as a courtesy to our viewers to help them make informed decisions

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Step 5 To Fix Your Credit After A Moorpark Short Sale: How To Mail The Letter

YOUR BEST REAL ESTATE AGENT SERVING MOORPARK CA, Your Moorpark Certified Short Sale Specialist. Loan Modification Denied? HARP re-fi denied? Want to avoid foreclosure? Moorpark’s Top Listing Realtor with Prudential California Realty. http://bit.ly/14WW3B0

Chris B. Johnson Realtor is real estate professional who Specializing 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 and Certified Pre-Foreclosure Specialist. With a full time staff dedicated to short sale negotiations and transactions, we have been successful with every short sale to date.

Moorpark CA – Once your strongly worded credit report dispute letters are written to each of the three credit reporting companies, then it is time to get it into the hands of their dispute department.

The goal is to get your letter read, taken seriously, and responded to.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

**Make sure you make a copy of whatever you are sending to the credit bureaus.** Just keep all your credit reports, letters, etc. in a file so you can use these later (this will be important.)

Send your letter, a copy of the credit report with the items you are disputing noted in Sharpie, and a copy of your driver’s license to each of the credit reporting companies.

This step CAN be a bit tricky, even though it should be the easiest step of all! Here’s why – the credit reporting firms don’t really like to deal with these dispute letters, and they change their mailing address for submitting these requests fairly often.

You will need to go to the website for Experian, Equifax, and Trans Union to get their dispute address.

BUT DO NOT SUBMIT YOUR DISPUTES ONLINE, like their websites pushes you to do. If you do this, your request is less likely to be taken seriously, and you won’t have any written record of what you submitted.

Send each of your letters as Certified Mail. Your local post office will help you with this.

Put the copy of the certification slip into your file as well. The certification slip ensures that you have a timeline started for restoring your credit. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at cjohnson@prucalhomes.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 805-208-0823

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Ventura County loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris B Johnson.

Chris B is a Real Estate Agent at Prudential Califonia Realty.

Phone: 805-208-0823. cjohnson@prucalhomes.com.

Certified HAFA Specialist, Certified Short Sale Specialist

View My homes for sale at www.ChrisBJohnsonRealtor.com.

Chris Johnson specializes in loan modification assistance and short sales in Ventura County California. Ventura County Loan Modification Help, Ventura County short sales. Ventura County Short Sale Realtor Ventura County CA Short Sales. Ventura County Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris B Johnson, Prudential Califonia Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris B’s personal views and do not reflect the views of Prudential Califonia Realty.

This information on Step 5 To Fix Your Credit After A Ventura County Short Sale: How To Mail The Letter is provided as a courtesy to our viewers to help them make informed decisions.

Share