Tag Archive for California short sale Realtor

#TimeToSell #ChrisBJohnsonRealtor Number of Moorpark Home Buyers Putting Down Less Than 10% Hits 7-Year High

Number of Ventura Buyers Putting Down Less Than 10% Hit

Number of Ventura Buyers Putting Down Less Than 10% Hits 7 Year High #TimeToSell #ChrisBJohnsonRealtor: According to Black Knight Financial Service’s Mortgage Monitor Report, 1.5 million Americans have purchased a home with down payments under than 10% over t

Tuesday, August 29, 2017

Number 1 Realtor in Moopark*, Top Five Realtor’s in Ven

Number 1 Realtor in Moopark*, Top Five Realtor’s in Ventura County #TimeToSell #ChrisBJohnsonRealtor: #TimeToSell #ChrisBJohnsonRealtor Number 1 Realtor in Moopark*, Top Five Realtor’s in Ventura County*, *AR Best Real Estate Agent, Luxury Home Specialist,

Monday, August 28, 2017

Why Disqualify Yourself, 52% of Loans Have A FICO® Scor

Why Disqualify Yourself, 52% of Loans Have A FICO® Score Below 750 #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

Sunday, August 27, 2017

More Boomerang Buyers Are about to Enter the Ventura Co

More Boomerang Buyers Are about to Enter the Ventura County Home Market #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

Friday, August 25, 2017

Home Prices UP 6.64% Across the Country & UP Over 8% In

Home Prices UP 6.64% Across the Country & UP Over 8% In Ventura County #TimeToSell #ChrisBJohnsonRealtor: Some Highlights:The Federal Housing Finance Agency (FHFA) recently released their latest Quarterly Home Price Index report.In the report, home prices are c

Wednesday, August 23, 2017

Want to Keep up with the Joneses? Now’s the #TimeToBuy

Want to Keep up with the Joneses? Now’s the #TimeToBuy #TimeToSell #ChrisBJohnsonRealtor: Does your current house fit your needs? Does it seem like everyone else is moving up and moving on to more luxurious surroundings? Are you wondering what i

Monday, August 21, 2017

Why Is It Important to Use a Professional to Sell Your

Why Is It Important to Use a Professional to Sell Your Moorpark Home #TimeToSell #ChrisBJohnsonRealtor our: When a homeowner decides to sell their house, they obviously want the best possible price for it with the least amount of hassles along the way. However, f

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Why Is It Important to Use a Professional to Sell Your Moorpark Home?

Why Is It Important to Use a Professional to Sell Your Moorpark Home?

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Real Estate Agent with Allison James Elite CA. BRE 01501699
Why Is It Important to Use a Professional to Sell Your Home? | MyKCM

When a homeowner decides to sell their house, they obviously want the best possible price for it with the least amount of hassles along the way. However, for the vast majority of sellers, the most important result is actually getting their homes sold.

In order to accomplish all three goals, a seller should realize the importance of using a real estate professional. We realize that technology has changed the purchaser’s behavior during the home buying process. According to the National Association of Realtors’ 2016 Profile of Home Buyers & Sellers, the first step that “…44% of recent buyers took in the home buying process was to look online at properties for sale.

However, the report also revealed that 96% of buyers who used the internet when searching for homes purchased their homes through either a real estate agent/broker or from a builder or builder’s agent. Only 2% purchased their homes directly from a seller whom the buyer didn’t know.

Buyers search for a home online but then depend on an agent to find the home they will buy (50%), to negotiate the terms of the sale (47%) & price (36%), or to help understand the process (61%).

The plethora of information now available has resulted in an increase in the percentage of buyers who reach out to real estate professionals to “connect the dots.” This is obvious, as the percentage of overall buyers who have used agents to buy their homes has steadily increased from 69% in 2001.

Bottom Line

If you are thinking of selling your home, don’t underestimate the role a real estate professional can play in the process.

 

 

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Chris B Johnson, REALTOR®Quality Not Quantity #ChrisBJohnsonRealtor (Allison James Elite)

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Is it Too Late to Short Sell My Home??
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Moorpark Short Sale Specialist #TimeToSell #ChrisBJohnsonRealtor http://MoorparkShortSaleSpecialist.com

Wednesday, August 16, 2017

Ventura County Millennial Homeowners!! It May Be #TimeT

Ventura County Millennial Homeowners!! It May Be #TimeToSell #ChrisBJohnsonRealtor #TimeT: #TimeToSell #ChrisBJohnsonRealtor Number 1 Realtor in Moopark*, Top Five Realtor’s in Ventura County*, *AR Best Real Estate Agent, Luxury Home Specialist,

Tuesday, August 15, 2017

Ventura County Homes Are Selling Quickly #TimeToSell

Ventura County Homes Are Selling Quickly #TimeToSell: #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, August 11, 2017

#ChrisBJohnsonRealtor Weekly Mortgage Rate Update For V

#ChrisBJohnsonRealtor Weekly Mortgage Rate Update For Ventura County #TimeToSell #ChrisBJohnsonRealtor: Weekly Mortgage Rate Update Low inflation and rising tensions with North Korea were good for mortgage rates this week, while strong labor market data was n

Thursday, August 10, 2017

Zillow IS Your Competition, We give them all their Data

Zillow IS Your Competition, We give them all their Data #NOZillow: #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

Wednesday, August 9, 2017

Ventura County Housing Inventory Hits 30-Year Low #Time

Ventura County Housing Inventory Hits 30-Year Low #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, August 8, 2017

95.8% Of Homes in Ventura County Have Positive Equity #

95.8% Of Homes in Ventura County Have Positive Equity#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 familieseach year either buy
or sell a home. #: CoreLogic’s latest Equity Report revealed that ninety-one thousand residential properties regained equity in Q1 2017. The outlook for 2017 remains positive

Monday, August 7, 2017

How Long Do Most Ventura County Families Stay in Their

How Long Do Most Ventura County Families Stay in Their: #TimeToSell #ChrisBJohnsonRealtor Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all you

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Moorpark Short Sale Specialist Moorpark Short Sale Help #ChrisBJohnsonRealtor

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Time To Buy OR Time To Sell Your Thousand Oaks Home?? - CDPE

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A Possible Housing Meltdown? These Experts Respectfully Disagree | Simplifying The Market

A Possible Housing Meltdown? These Experts Respectfully Disagree

We want to let you know that “rumors of a new market meltdown” are not based on any reputable data. As proof, we offer you the comments of the following experts who have a totally different view on the current housing market.

Lawrence Yun, Chief Economist at NAR:

“In spite of deficient supply levels, stock market volatility and the paltry economic growth seen so far this year, the housing market did show resilience and had its best first quarter of existing-sales since 2007.”

Jonathan Smoke, Chief Economist at realtor.com:

“We had a triple crown of April home sales reports, so 2016 is in the pole position to earn best year of home sales in a decade.”

Andrea Riquier, MarketWatch housing reporter:

“I’m calling the end of the housing “recovery.” On to ‘expansion.’”

Freddie Mac:

“Despite the disappointing economic reports, we still forecast housing to maintain its momentum in 2016.”

Steven Russolillo, Wall Street Journal housing reporter:

“A recent gauge of home builder sentiment held firmly in positive territory, according to the National Association of Home Builders. Perhaps more important, expectations for sales in the next six months jumped to the highest level of the year.”

Fannie Mae:

“Our latest housing tracker shows that the first quarter of 2016 was the second fastest first quarter pace of home sales in the past decade… Home sales typically rise in the spring and summer months, and we anticipate an acceleration in home sales that will surpass 2007′s pace by late summer.”

 

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Moorpark Mortgage Rate Update & Home Value #ChrisBJohnsonRealtor

Chris B Johnson, REALTOR®               Featured Listing                   Time to Sell Your Home?  

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Real Estate Agent with Allison James Elite CA. BRE 01501699

Chris B Johnson, REALTOR®SFR®CDPE®, CHS®           What Is My Home Worth?

Your Real Estate Update                                                               HyperLocal Updates

Weekly Mortgage Rate Update

 

A wide range of major U.S. economic data was released over the past week covering the labor market, manufacturing, services, and housing. Overall, the data suggested that U.S. economic growth and inflation were a little stronger than expected. As a result, mortgage rates ended the week higher.  

THIS WEEK’S RATE TREND IS UP

Chris B Johnson, REALTOR®               Featured Listing                   Time to Sell Your Home?  

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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

Moorpark Home Values & Market Trends                     Moorpark Condo Values & Market Trends

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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Is This The Last Chance For Moorpark Short Sales? #ChrisBJohnsonRealtor


Last Chance For California Short Sales? #ChrisBJohnsonRealtor - CDPE

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

Moorpark Short Sale HELP!!                                              California May Pay You To Short Sale

Oxnard REO Coming To Market                                        What Is My Home Worth?

Short Sale Update                                                           February, 2016

Distressed California Homeowners May Qualify for California’s Keep Your Home California Transition Assistance Program (TAP)    

If your financially distressed California clients can no longer afford their homes and are pursuing a short sale or a deed in lieu of foreclosure, they may be eligible for financial help with their relocation to alternative housing.

 

The funds come from the Transition Assistance Program (TAP), part of the Keep Your Home California Program.

 

The state of California is providing up to $5,000 in transition assistance to qualified homeowners who can no longer afford to stay in their homes. You can help by advising your distressed clients that they must:

  • Apply for the funds through their state’s website or by calling 1.888.954.5337.
  • Maintain their property until their house is sold or returned to the lender via a negotiated deed in lieu of foreclosure.

For qualified homeowners, these state funds may be used in addition to any other transition assistance that the homeowner may receive by participating in the Federal Home Affordable Foreclosure Alternatives (HAFA) program or in any other pre-offer short sale program.

 

To learn more about the Transition Assistance Program’s guidelines, and how your clients may qualify, please visit that program’s website at http://keepyourhomecalifornia.org. You can also direct your clients to call 1.888.954.5337 and identify themselves as Bank of America customers.


Customer Relationship Manager
1.800.669.6650

bankofamerica.com/shortsaleagent

If you have questions, first contact your short sale specialist (or closing officer) through Equator messaging. If there’s no response after two days, escalate to the team lead.

For urgent needs (such as a foreclosure postponement) or for escalation beyond the team lead, contact your Customer Relationship Manager at 1.800.669.6650Monday through Friday8 a.m. to 5 p.m. local time.

Visit the Agent Resource Center at bankofamerica.com/shortsaleagent
for educational guides, news and resources to help agents complete a short sale at Bank of America.

Google+   www.sellventuracountyhomes.com

http://ChrisBJohnson.housingtrendsenewsletter.com

Chris B. Johnson, Realtor, CDPE, SFR, BPOR, HAFA, CDAT

Allison James Elite

Cell # 805.208.0823   CA. BRE 01501699

Email: ChrisBJohnson@gmail.com

www.ChrisBJohnson.Realtor       www.linkedin.com/in/chrisbjohnson

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Allison James Estates and Homes Elite
587 W Los Angeles Avenue
Moorpark, Ca 93021
(805) 208-0823
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 HyperLocal Market Updates    Chris B Johnson, REALTOR®, SFR®, CDPE®, CHS®

Chris B Johnson, REALTOR®Neighborhood Market Report  Mortgage Pre Approval 

Time To Buy A Home      

  • 8765 WATERS Road

    Moorpark, CA 93021

    $4,998,000

    • 4 
    • 3 
    • 3500 
    •  Active
    •  215015752
    Great opportunity own a rare large acreage parcel in Moorpark! Motivated Seller!!! Southern California Famous Egg City Ranch ;160 acres, Consists …
    Listing courtesy of Chris B Johnson, REALTOR®
  • 2182 TIERRA REJADA Road

    Moorpark, CA 93021

    $4,700,000

    • 7 
    • 7 
    • 5400 
    •  Active
    •  SR15152665
    Amazing Horse Ranch with water well pumps about 850 gal. per min. upgraded electrical for commercial use. Home has attached studio apt. approx. 3500 …
    Listing courtesy of Chris B Johnson, REALTOR®
  • 11811 DARLENE Lane

    Moorpark, CA 93021

    $2,375,000

    • 5 
    • 6 
    • 6805 
    •  Active
    •  SR15255459
    SouthFork Meets Moorpark! Reduced Over 300k ! All Gated 9.08 Usable Acres of Pure Luxury Horse Property & Rolling Agricultural Hills,Full Working Ranc…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 11143 LOPEZ Court

    Moorpark, CA 93021

    $1,775,000

    • 5 
    • 6 
    • 5851 
    •  Active
    •  215014100
    Elegant San Marino with panoramic views of mountains & picturesque surroundings. Located on cul-de-sac in the prestigious, gated golf course community…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 12464 PALMER Drive

    Moorpark, CA 93021

    $1,689,000

    • 6 
    • 8 
    • 5664 
    •  Active
    •  215015718
    5 bed, 5.5 bath, 4,764 sq ft home, with an additional 1,200 sq ft guest house casitas, in the Country Club Estates! Step in to the entry leading to th…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 4914 READ Road

    Thousand Oaks, CA 93021

    $1,599,900

    • 5 
    • 4 
    • 4070 
    •  Active
    •  215016159
    Custom hilltop estate offered for sale, once part of the Joel McCrea Ranch, 5 acres featuring an avocado ranch, a barn, fruit trees, ample parking inc…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 12418 NELSON Road

    Moorpark, CA 93021

    $1,499,500

    • 5 
    • 6 
    • 4764 
    •  Active
    •  SR15266337
    This extravagant Toll Brothers Mission Style Palos Verdes is in the prestigious Country Club Estates on a premium lot with a beautiful park-like backy…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 12334 PALMER Drive

    Moorpark, CA 93021

    $1,499,000

    • 5 
    • 6 
    • 5851 
    •  Active
    •  SR15169099
    HUGE PRICE REDUCTION for this SPECTACULAR Estate Home with SPECTACULAR views in the gated community of Country Club Estates. This beautiful almost 6,0…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 5950 GABBERT Road

    Moorpark, CA 93021

    $1,499,000

    • 4 
    • 2 
    • 1708 
    •  Active
    •  215015015
    Over five acres that are fully landscaped and fenced with a 1700 square foot, 4 bedroom – 2 bath home. Private gated entrance to the house and there a…
    Listing courtesy of Chris B Johnson, REALTOR®
  • 12230 NELSON Road

    Moorpark, CA 93021

    $1,460,000

    • 5 
    • 6 
    • 5364 
    •  Active
    •  215017766
    Welcome home to Nelson Road in spectacular Country Club Estates of Moorpark. This popular Santa Barbara floor plan features 5 bedrooms, 6 baths and a…
    Listing courtesy of Chris B Johnson, REALTOR®
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