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Moorpark Short Sale Specialist Moorpark Short Sale Help


Below you will find some listings that you may be interested in. If you like anything you see, don’t hesitate to email or call with your questions.

 

Chris B Johnson, REALTOR® CDPE, SFR, BPOR, CHS, PSC, CSSN, CDAT

Allison James Estates & Homes Elite

CA BRE 01501699

Office phone: 805.208.0823

Email:      ChrisBJohnsonRealtor@gmail.com

ChrisBJohnson@sellventuracountyhomes.com

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2 beds/1 baths
920 Sq. Ft.
$405,000
ID #216014423 – Listing courtesy of Agents of LA Inc.
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3 beds/2 baths
1158 Sq. Ft.
$485,888
ID #216015966 – Listing courtesy of Strategic Realty Inc.
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3 beds/2 baths
1791 Sq. Ft.
$639,000
ID #216015165 – Listing courtesy of Allan Argano, Broker
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4 beds/3 baths
1910 Sq. Ft.
$649,000
ID #216013735 – Listing courtesy of Ventana Properties
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4 beds/3 baths
2504 Sq. Ft.
$829,888
ID #216015956 – Listing courtesy of Strategic Realty Inc.
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5 beds/5 baths
3122 Sq. Ft.
$1,200,000
ID #216015954 – Listing courtesy of Keller Williams Westlake Village
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4 beds/5 baths
4054 Sq. Ft.
$1,440,377
ID #216015964 – Listing courtesy of The New Home Company
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Chris B. Johnson, Realtor, CDPE, SFR, BPOR, HAFA, CDAT

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Allison James Estates and Homes Elite
587 W Los Angeles Avenue
Moorpark, Ca 93021
(805) 208-0823
http://www.ChrisBJohnsonRealtor.com

 

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Moorpark Short Sale Specialist Moorpark Short Sale Help

Pay Less in Taxes: Tips for Homeowners Moorpark Short Sales, Moorpark Short Sale Help, Moorpark Foreclosure Help

Chris B Johnson, REALTOR®       Featured Listing                    

Time to Sell Your Home?  

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NATIONAL ASSOCIATION OF REALTORS®
430 N. Michigan Avenue
Chicago, IL 60611
800.874.6500
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© Copyright 2016 NATIONAL ASSOCIATION OF REALTORS®

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.

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Moorpark Short Sale Specialist Moorpark Short Sale Help

Moorpark Short Sale Specialist Moorpark Short Sale Help-Video: Chew On These Kitchen Organization Ideas

Chris B Johnson, REALTOR® 

How to Mix Things Up for a Better-Organized Kitchen

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Short Sale
15268 BAMBI Court
Moorpark, CA  93021
$468,000
4 beds/3 baths

Listing courtesy of Davis Bartels CalBRE:01933814
Help-U-Sell Conejo Valley
 CARETS

Featured picture for the property 215006891 

7276 RANGE VIEW Circle
Moorpark, CA  93021
$999,995
4 beds/5 baths

Listing courtesy of James Boyd CalBRE:01202479
Toll Brothers Inc.
 CARETS

Featured picture for the property 215007900 

11262 CRENSHAW Street
Moorpark, CA  93021
$1,236,995
4 beds/5 baths

Listing courtesy of James Boyd CalBRE:01202479
Toll Brothers Inc.
 CARETS

Featured picture for the property 215007909 

11276 CRENSHAW Street
Moorpark, CA  93021
$1,208,995
5 beds/5 baths

Listing courtesy of James Boyd CalBRE:01202479
Toll Brothers Inc.
 CARETS

Featured picture for the property 215015293 

7890 GRIMES CANYON ROAD Road
Moorpark, CA  93021
$1,329,950
3 beds/2 baths

Listing courtesy of Amy Gandel CalBRE:00873687
Troop Real Estate-Simi Valley
 CARETS

Featured picture for the property 215006891 

7276 RANGE VIEW Circle
Moorpark, CA  93021
$999,995
4 beds/5 baths

Listing courtesy of James Boyd CalBRE:01202479
Toll Brothers Inc.
 CARETS

Featured picture for the property 216002089 

13697 CHRISTIAN BARRETT Drive
Moorpark, CA  93021
$692,900
4 beds/3 baths

Listing courtesy of Marc Smith CalBRE:00961660
Berkshire Hathaway HomeServices California Realty
 CARETS

Featured picture for the property 16107744 

4254 LAURELVIEW Drive
Moorpark, CA  93021
$860,000
5 beds/5 baths

Listing courtesy of Merline Martinez CalBRE:01778883
EGL Properties Incorporated
 CARETS

NATIONAL ASSOCIATION OF REALTORS®
430 N. Michigan Avenue
Chicago, IL 60611
800.874.6500
www.HouseLogic.com
© Copyright 2016 NATIONAL ASSOCIATION OF REALTORS®

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The Moorpark Housing Market Is Still HOT – Time To Sell #ChrisBJohnsonRealtor

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Real Estate Agent with Allison James Elite CA. BRE 01501699

Chris B Johnson, REALTOR®

Your Neighborhood Market Report      The Cost Of Waiting      Still A SELLER’S Market?

In real estate, the housing market tends to go up and down in unison with the yearly seasons, with the busiest months coming in summer. This year, however, the market is still going strong as we near the Spring months.

Given the crazy year for housing, it’s really no surprise! Month after month, housing activity increased, reaching a nine year high in May. Many homeowners, who thanks to rising home prices and recovering equity are finally in a position to sell, are taking advantage of the current market conditions to sell their homes And it might be the perfect time!

It’s a sellers market, meaning you can get top dollar for your home. What’s more, home prices and mortgage rates are rising, so you’ll be able to afford more today than you will be able to later this year.

If you’ve been thinking of selling, check out my report that explains why now might be the perfect time! To download the report, visit my website http://hosted.cdpe.com/VenturaCountyShortSaleSpecialist/

Once you are done, contact me today to discuss your options and discover what you’re home is worth!

 

Sincerely,

 

Chris B Johnson Allison James Estates and Homes Elite (805) 208-0823 CALL 805.208.0823http://www.venturacountyshortsalespecialist.com

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Moorpark Short Sales Short Sales Are EXEMPT From Deficiency Judgements

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

Neighborhood Market Report  Mortgage Pre Approval  Time To Buy A Home

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Oxnard REO Coming To Market                                        What Is My Home Worth?

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 Short Sale Specialist Moorpark Short Sale Help

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Real Estate Agent with Allison James Elite CA. BRE 01501699

Chris B Johnson, REALTOR®SFR®CDPE®, CHS®     For Ventura County Bank Owned REO, Short Sale and Probate Homes For Sale, click the Map below:

Chris B Johnson, REALTOR® Neighborhood Market Report  Mortgage Pre Approval  Time To Buy A Home

Your Neighborhood Market Report      The Cost Of Waiting      Still A SELLER’S Market?

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Oxnard REO Coming To Market                                        What Is My Home Worth?

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Moorpark Home Market Trends               Moorpark Condo-TownHome Market Trends

  • 3185 CANOPY Drive

    Camarillo, CA 93021

    $925,000

    • 5 
    • 5 
    • 4169 
    •  Active
    •  215012643
    Gorgeous home w/spectacular floor plan, includes family room w/fireplace, formal dining room, gourmet kitchen w/granite counter tops, huge center isla…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 13608 SHENANDOAH Way

    Moorpark, CA 93021

    $834,900

    • 5 
    • 3 
    • 3114 
    •  Active
    •  215012281
    Welcome home and move right in to this highly desired Shenandoah, single story model, within the gated community of Moorpark Highlands.This home has a…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 15546 MALLORY Court

    Moorpark, CA 93021

    $689,950

    • 4 
    • 3 
    • 2379 
    •  Active
    •  SR15183087
    This Beautiful Campus Hills Estates Home has been meticulously cared for by original owner & move in ready. The many upgrades start with custom painti…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 13769 CHRISTIAN BARRETT Drive

    Moorpark, CA 93021

    $679,000

    • 4 
    • 3 
    • 2694 
    •  Active
    •  215012605
    Welcome home to this wonderful Steeple Hill floor plan perfect for everyone. This 4 bedroom, 3 bathroom home has almost 2700 square feet of interior …
    Listing courtesy of Chris B Johnson, REALTOR®
  • 4273 LAURELHURST Road

    Moorpark, CA 93021

    $669,000

    • 4 
    • 3 
    • 1927 
    •  Active
    •  215012659
    Great one story,in the Marlbobough Country Tract with added master bedroom and bath that has cathedral ceilings and separate entrance. New kitchen cab…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 11607 East BUTTERCREEK Road

    Moorpark, CA 93021

    $639,900

    • 4 
    • 3 
    • 2643 
    •  Back Up Offer
    •  215012429
    Moorpark’s Finest !! This stunning 4 bed 3 bath butter creek home has it all! As you enter the home you are greeted by beautiful tile flooring, vaul…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 3906 LUCIA Court

    Moorpark, CA 93021

    $510,000

    • 3 
    • 3 
    • 1560 
    •  Active
    •  215012607
    This Wonderful, Move-in Ready Home is located in the desirable Mira Bella Community of Moorpark. It has an open floor plan with Tile flooring througho…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 6543 WESTWOOD Street

    Moorpark, CA 93021

    $479,000

    • 4 
    • 2 
    • 1431 
    •  Active
    •  215012765
    Campus Park West – This delightful 4 bedroom, 2 bath single story home is priced to sell! Located in a great neighborhood with over 1,400 sq. ft. of l…
    Listing courtesy of Chris B Johnson, REALTOR®
  • $475,000

    • 3 
    • 2 
    • 1274 
    •  Active
    •  215012481
    Cozy family home located in a great neighborhood in Moorpark. True Pride of Ownership! Close to schools, parks, skate park and shopping. Features incl…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 6575 E WESTWOOD Street

    Moorpark, CA 93021

    $470,000

    • 4 
    • 2 
    • 1431 
    •  Active
    •  215012450
    Charming 4+2 home located in a great neighborhood with over 1,400 sq-ft of living space, beautiful views from the backyard, nice size kitchen, cozy li…
    Listing courtesy of Chris B Johnson, REALTOR®
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