Tag Archive for Ventura County Short Sale Help.

Moorpark Short Sale Specialist, Moorpark Market Update & Homes For Sale

Moorpark Short Sale Realtor 805.208.0823By Chris B Johnson Realtor, Moorpark Short Sale Chris B Johnson, REALTOR®.        

Your Moorpark Neighborhood Specialists

Moorpark Home Market Trends       

Moorpark Condo-TownHome Market Trends

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

Camarillo Home Market Trends      Camarillo Condo-TownHome Market Trends

Oxnard Home Market Trends         Oxnard Condo-TownHome Market Trends

 

  • 4130 CRABAPPLE Court

    Moorpark, CA 93021

    $749,900

    • 3
    • 3
    • 2553
    • Active
    • 214035640
    Great single story in a very desirable gated community & neighborhood located at the end of cul-de-sac, w/beautiful view of the Ronald Reagan Library….
  • 12591 MISTY GROVE Street

    Moorpark, CA 93021

    $719,500

    • 4
    • 3
    • 2751
    • Active
    • 214035680
    Welcome to this beautiful, spacious, open, bright, and cozy home located in Mountain Meadows. Step inside the double door entry into the foyer & take…
  • 15544 KERNVALE Avenue

    Moorpark, CA 93021

    $690,000

    • 4
    • 4
    • 2086
    • Active
    • SR14247812
    This is a beautiful well maintained 2 story SOLAR powered property. It has 4 bedrooms and 31/2 bathrooms with a 2 car attached garage.The bathrooms an…
  • 778 SIR GEORGE Court

    Moorpark, CA 93021

    $610,000

    • 4
    • 3
    • 2429
    • Active
    • SR14248395
    Awesome Moorpark HUD Home! Located At The Top Of A Cul-De-Sac, This Is An Exceptional Opportunity To Purchase A Great Moorpark Home, Open Floor Plan, …
  • 13172 East MILLERTON Road

    Moorpark, CA 93021

    $532,000

    • 3
    • 2
    • 1439
    • Active
    • 214035586
    PERFECT LOCATION! Corner lot with incredible city light and mountain views in a quiet neighborhood with a park and play area conveniently across the …
  • 13172 East MILLERTON Road

    Moorpark, CA 93021

    $2,500/mo

    • 3
    • 2
    • 1439
    • Active
    • 214035587
    PERFECT LOCATION! Corner lot with incredible city light and mountain views in a quiet neighborhood with a park and play area conveniently across the s…

 

 

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Moorpark Homes For Sale-Sunday’s Listing Updates from Chris B. Johnson Realtor

Moorpark Short Sale Realtor 805.208.0823Chris B Johnson, REALTOR®.  Your Moorpark Neighborhood Specialists

By Chris B Johnson Realtor,  Moorpark Short Sale , Thousand Oaks Short Sale,

Simi Valley Short Sale, Moorpark Short Sale  Ventura County Short Sale,

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

Berkshire Hathaway Homes Services California Realty

CA BRE 10501699

Office phone: 805.208.0823

Email:      cjohnson@BHHSCalHomes.com

ChrisBJohnson@sellventuracountyhomes.com

Website:  http://www.ChrisBJohnsonRealtor.com

www.sellventuracountyhomes.com

http://ChrisBJohnson.housingtrendsenewsletter.com

http://www.linkedin.com/in/chrisbjohnson

http://www.VCNeighborhoodValues.com

Moorpark Market Trends
11874 SIENA Court
Moorpark, CA

3 beds/3 baths

1850 Sq. Ft.

$539,950

ID #214020924 – Listing courtesy of Berkshire Hathaway HomeServices California Properties

More Photos
12808 WILLIAMS RANCH Road
Moorpark, CA

4 beds/2 baths

1846 Sq. Ft.

$589,000

More Photos
There are more listings matching this search
This message was sent on behalf of Chris B. Johnson at Berkshire Hathaway Home Services California Realty. Some of the information in this email is copyrighted by the local Multiple Listing Service.

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:

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 Real Estate Market Update       Simi Valley Real Estate Market Update

Moorpark Market Real Estate Update                               Westlake Village Real Estate Market Update

Camarillo Real Estate Market Update

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

Home Affordable Foreclosure Alternatives (HAFA)

Home Affordable Modification Program (HAMP)
Home Affordable Refinance Program (HARP)

Second Lien Modification Program (2MP)

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Moorpark Homes For Sale

Moorpark Short Sale Realtor 805.208.0823Chris B Johnson, REALTOR®.  Your Moorpark Neighborhood Specialists

Saturday’s Listing Updates:

Moorpark Short Sale , Thousand Oaks Short Sale,

Simi Valley Short Sale, Moorpark Short Sale  Ventura County Short Sale,

Moorpark Market Update

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

Berkshire Hathaway Homes Services California Realty

CA BRE 10501699

Office phone: 805.208.0823

Email:      cjohnson@BHHSCalHomes.com

ChrisBJohnson@sellventuracountyhomes.com

Website:  http://www.ChrisBJohnsonRealtor.com

www.sellventuracountyhomes.com

http://ChrisBJohnson.housingtrendsenewsletter.com

http://www.linkedin.com/in/chrisbjohnson

http://www.VCNeighborhoodValues.com

SEARCH 1: All Properties for sale in 93021 – No Minimum Price to No Maximum Price, Any Beds, Any Baths
11874 SIENA Court
Moorpark, CA

3 beds/3 baths

1850 Sq. Ft.

$539,950

More Photos
12808 WILLIAMS RANCH Road
Moorpark, CA

4 beds/2 baths

1846 Sq. Ft.

$589,000

More Photos
11431 GENTLEWOOD Drive
Moorpark, CA

4 beds/4 baths

2858 Sq. Ft.

$674,500

More Photos
11576 FLOWERWOOD Court
Moorpark, CA

5 beds/5 baths

3786 Sq. Ft.

$749,000

More Photos
There are more listings matching this search
This message was sent on behalf of Chris B. Johnson at Berkshire Hathaway Home Services California Realty. Some of the information in this email is copyrighted by the local Multiple Listing Service.
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Moorpark Short Sale-Homes for Sale

Moorpark Short Sale Specialist 805.208.0823Monday’s Listing Updates fromChris B. Johnson

By Chris B Johnson Realtor,  Moorpark Short Sale , Thousand Oaks Short Sale,

Simi Valley Short Sale, Moorpark Short Sale  Ventura County Short Sale,

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

Berkshire Hathaway Homes Services California Realty

CA BRE 10501699

Office phone: 805.208.0823

Email:      cjohnson@BHHSCalHomes.com

ChrisBJohnson@sellventuracountyhomes.com

Website:  http://www.ChrisBJohnsonRealtor.com

www.sellventuracountyhomes.com

http://ChrisBJohnson.housingtrendsenewsletter.com

http://www.linkedin.com/in/chrisbjohnson

http://www.VCNeighborhoodValues.com

SEARCH 1: All Properties for sale in 93021 – No Minimum Price to No Maximum Price, Any Beds, Any Baths
6819 SIMMONS Way
Moorpark, CA
3 beds/3 baths

1432 Sq. Ft.

$439,900

ID #214028693 – Listing courtesy of Berkshire Hathaway Home Services California Realty

More Photos
13649 SILVER OAK Lane
Moorpark, CA
4 beds/3 baths

2996 Sq. Ft.

$599,999

ID #214034523 – Listing courtesy of Berkshire Hathaway HomeServices California Realty

More Photos
14049 SWIFT RUN COURT
Moorpark, CA
4 beds/3 baths

2607 Sq. Ft.

$738,990

ID #14805097

More Photos
13985 BLACK ROCK CIRCLE
Moorpark, CA
4 beds/3 baths

2607 Sq. Ft.

$755,990

ID #14804741

More Photos
There are more listings matching this search               What is Your Home Worth?
This message was sent on behalf of Chris B. Johnson at Berkshire Hathaway Home Services California Realty. Some of the information in this email is copyrighted by the local Multiple Listing Service.Looking for help? I can help you get your Single Point Of Contact, obtain a Loan Modification or Short Sale your property and get back on your feet.

 

Send me an e-mail at cjohnson@bhhscalhomes.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 Moorpark 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
Berkshire Hathaway Home Services
Moorpark, CA
Your home is probably the biggest asset that you own. That is why you need to choose a partner, who is working for YOU to get the job done correctly, the first time. One who is concerned about Quality, not Quantity.
(805) 208-0823

14,164 Homes Sold Yesterday! Did Yours?

14,164 Homes Sold Yesterday! Did Yours? | Keeping Current Matters

There are some homeowners that have been waiting for months to get a price they hoped for when they originally listed their house for sale. The only thing they might want to consider is… If it hasn’t sold yet this fall, maybe it’s not priced properly.

After all 14,164 houses sold yesterday, 14,164 will sell today and 14,164 will sell tomorrow. 14,164!

That is the average number of homes that sell each and every day in this country according to the National Association of Realtors’ (NAR) latest Existing Home Sales Report. NAR reported that sales are at an annual rate of 5.17 million. Divide that number by 365 (days in a year) and we can see that, on average, over 14,100 homes sell every day. Sales are at the highest pace of 2014.

We realize that you want to get the fair market value for your home. However, if it hasn’t sold in today’s active real estate market, perhaps you should reconsider your current asking price.

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Moorpark Short Sale-Growth In 2015??

By Chris B Johnson Realtor,  Moorpark Short Sale , Thousand Oaks Short Sale,Rebound-Time2Sell

Simi Valley Short Sale, Moorpark Short Sale  Ventura County Short Sale,

Fannie Mae Expects Slow But Sure Housing Growth in 2015

Fannie Mae Economic & Strategic Research GroupWhere the U.S. housing market is concerned,Fannie Mae chief economist Doug Duncan said he is anticipating overall weaker home sales in 2014 than in 2013. But he expects that overall home sales in 2015 will post their best performance since 2007 despite seeing only moderate growth for the year.

The forecast on the state of the nation’s housing market and on the overall economy were included in the Fannie Mae Economic & Strategic Research Group‘s October 2014 Economic Outlook, published on Thursday.

“We lowered our expectation for housing starts just slightly to one million units for 2014, but our view of mortgage originations has not changed,” Duncan said. “Our estimate for 2013 was in line with the recent release of 2013 data under the Home Mortgage Disclosure Act, and our projection of total production in 2014 is little changed at approximately $1.1 trillion. For 2015, we are cautiously optimistic that ongoing labor market improvements, low mortgage rates, rising inventories, and some easing of lending standards will boost home sales by roughly 5.0 percent. However, we still believe housing will continue along its upward grind rather than have the breakout year some are expecting.”

Economic growth has been slow on a global scale this year, but that has not dimmed the outlook for the U.S. economy, according to the findings of Fannie Mae’s ESR Group. Real economic growth in the U.S. seems poised to exceed 3.0 percent for the second half of 2014, which is expected to provide a solid basis for continued growth into 2015.The slow global economic growth may prevent the Federal Reserve Board from making any interest rate policy changes until Q3 2014, it has not prevented a positive outlook for the economy in the U.S.

“Given the expected strengthening economic activity in the U.S. in the second half of the year, we continue to expect to finish just above 2 percent growth for all of 2014,” Duncan said. “The risks are tilted to the downside due to current geopolitical events in Russia, Ukraine, Hong Kong, and the Middle East, as well as the economic slowdown in the Eurozone, China, and Japan. However, recent data suggest these factors have not significantly swayed American consumers. Real consumer spending is poised to pick up in the second half of 2014 from the first half, due in large part to improving labor market conditions, continued declines in gasoline prices, and a subdued pace of inflation.”

Rates Haven’t Been This Low Since 2013

The 30-year fixed-rate mortgage took another dip this week, staying below the 4 percent threshold and keeping borrowing costs at the lowest rate in more than a year. It marks the fifth consecutive week that mortgage rates decreased.

Freddie Mac reports the following national averages with mortgage rates for the week ending Oct. 23:

  • 30-year fixed-rate mortgages: averaged 3.92 percent, with an average 0.5 point, reaching a new low for the year and dropping from last week’s 3.97 percent. Last year at this time, 30-year rates averaged 4.13 percent.
  • 15-year fixed-rate mortgages: averaged 3.08 percent, with an average 0.5 point, dropping from last week’s 3.18 percent average. A year ago, 15-year rates averaged 3.24 percent.
  • 5-year hybrid adjustable-rate mortgages: averaged 2.91 percent, with an average 0.5 point, dropping from last week’s 2.92 percent average. Last year at this time, 5-year ARMs averaged 3 percent.
  • 1-year ARMs: averaged 2.41 percent, with an average 0.4 point, rising from last week’s 2.38 percent average. A year ago, 1-year ARMs averaged 2.60 percent.

Source: Freddie Mac

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

Home Affordable Foreclosure Alternatives (HAFA)

Home Affordable Modification Program (HAMP)
Home Affordable Refinance Program (HARP)

Second Lien Modification Program (2MP)

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Don’t Wait! Move Up to the Home You Always Wanted-Buy A Moorpark Short Sale

By Chris B Johnson Realtor,  Moorpark Short Sale , Thousand Oaks Short SaleSimi Valley Short Sale, Moorpark Short Sale  Ventura County Short Sale,

Don't Wait! Move Up to the House You've Always Wanted | Keeping Current Matters

Now that the housing market has stabilized, more and more homeowners are considering moving up to the home they have always dreamed of. Prices are still below those of a few years ago and interest rates are still below 5%.

However, sellers should realize that waiting to make the move while mortgage rates are increasing probably doesn’t make sense. As rates increase, the price of the house you can buy will decrease.

Here is a chart detailing this point:

Buyer's Purchasing Power | Keeping Current Matters

 

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:

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

Home Affordable Foreclosure Alternatives (HAFA)

Home Affordable Modification Program (HAMP)
Home Affordable Refinance Program (HARP)

Second Lien Modification Program (2MP)

 

CHRIS B
JOHNSON

 

Berkshire Hathaway Home Services
Moorpark, CA
Your home is probably the biggest asset that you own. That is why you need to choose a partner, who is working for YOU to get the job done correctly, the first time. One who is concerned about Quality, not Quantity.
(805) 208-0823

Simplifying the Market

Making Real Estate Easy to Understand

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Moorpark Short Sale Specialist

Need a Second Chance - CDPE

Rising Home Prices Restoring Equity

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

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

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

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

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

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

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

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

How do I qualify for a California short sale?

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

What are the benefits to a Moorpark CA short sale?

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

Can my current Moorpark short sale Realtor® help me?

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

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This Is How A Moorpark Short Sale Can Help You And Your Neighbors Avoid Negative Side Effects Of A Foreclosure

http://venturacountyshortsalespecialist.comThe Ventura County Short Sale Specialist recently received a question from Isabel. “I am behind on my payments and thinking of just letting my home go into foreclosure. What does that do to the neighborhood?” she asked.

 

Here is our answer to his question. It does hurt the neighborhood. But, it also hurts you.

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

 

Most banks do not do a good job and processing and handling foreclosures. They take 12-18 months to foreclosure on a house and then sell it.

 

In the meantime they do little to maintain the home. I estimate that half of all the properties I have seen in foreclosure have never even been checked on by the lender.

 

It has gotten so bad that one homeowner even started up a website to report on these banks. The website is called Lender Offender. Check it out here: www.LenderOffender.com.

 

In my opinion these banks are not being responsible with these properties. The biggest problem is that Uncle Sam usually takes the fall for any loss.

 

Uncle Sam does this by guaranteeing them against loss on many mortgages. Or in other cases, Uncle Sam has already bought the defaulted loan from the bank.

 

The homes eventually sell for a discount after the foreclosure. No home buyer is going to pay market value for a home that needs repairs!

 

This gives the banks little incentive to check on these properties. Fortunately you can help. Stay in your home until it sells. Keep it looking good and everything in good order.

 

Then, put it up for sale as a short sale. That will help protect the property values in your neighborhood. 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 Moorpark 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, Realtor

Chris is a Real Estate Agent at Prudential California Realty.

 

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

 

Certified HAFA Specialist, Certified Short Sale Specialist, Certified Distressed Property Expert

Which way is the Real Estate Market Headed? Get a Market Snapshot of your neighborhood: MLS Market Snapshot Has the Market Stabilized

 

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

Get your Free Report for All Your Options HERE: Certified Distressed Property Expert

Always check with a good real estate attorney to find out the laws in your state. There are also legal aid non profits that can give you advice on what to do to stop a garnishment or bank account seizure. You should also look at California SB458. With the passage of SB458, the Expanded Anti-Deficiency Law May Have Unintended Consequences on Ventura County Short Sales. So Please read http://venturacountyshortsalerealtor.com/?p=948.

 

For Disclosure, and more information on Mortgage Assistance Relief Services, please see Code 16 of Federal Regulations (FTC), Part 322, or , http://www.ftc.gov/opa/2010/11/mars.shtm and always consult your CPA, Accountant, Financial Advisor and Attorney before you any financial or legal decisions. Also seehttp://venturacountyshortsalerealtor.com/?p=1066.

 

To Read More: Click here.

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Moorpark Short Sale Question: Renters Trashed My House. What Should I Do?

The Best Short Sale Agent in Ventura County, CA, The Best Short Sale Realtor in Ventura County, CA, The Best Certified Short Sale Specialist in Ventura County , CAWe decided to rent it out our home rather than short sale it. The renters just moved out. I just checked the house. They trashed it!

I could rent the house out again, but I would have to spend several thousand dollars fixing it up first. What would you recommend that I do?” Richard asked.

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

Here was our recommendation. That is a tough situation. You could fix up the house and rent it out again. But, you risk having the same thing happen all over again.

Here is the other problem. The amount you can charge for rent has gone down in most areas. This means you will probably have to write a check every month.

If you are able to rent it and cover all the costs, then I would recommend you keep the home. If not, then I would recommend you short sell it.

Here is why I recommend that. If you can break even, then the house will be a good investment as the real estate market recovers.

However, you will always risk large unexpected costs like the one you are experiencing right now. If it the rent does not cover all the costs, then more than likely you are in an area where the housing prices are still dropping.

This means the burden will only get bigger as time progresses. Costs will keep on going up. Rent might drop even more. The housing market could decline even further.

It would be better to just get rid of the liability now, once and for all. 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 Moorpark 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, Realtor

Chris is a Real Estate Agent at Prudential California Realty.

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

Certified HAFA Specialist, Certified Short Sale Specialist, Certified Distressed Property Expert

Which way is the Real Estate Market Headed? Get a Market Snapshot of your neighborhood: MLS Market Snapshot Has the Market Stabilized

View My homes for sale at www.ChrisBJohnsonRealtor.com. Get your Free Report for All Your Options HERE: Certified Distressed Property Expert Always check with a good real estate attorney to find out the laws in your state. There are also legal aid non profits that can give you advice on what to do to stop a garnishment or bank account seizure. You should also look at California SB458. With the passage of SB458, the Expanded Anti-Deficiency Law May Have Unintended Consequences on Ventura County Short Sales. So Please read http://venturacountyshortsalerealtor.com/?p=948.

For Disclosure, and more information on Mortgage Assistance Relief Services, please see Code 16 of Federal Regulations (FTC), Part 322, or , http://www.ftc.gov/opa/2010/11/mars.shtm and always consult your CPA, Accountant, Financial Advisor and Attorney before you any financial or legal decisions. Also seehttp://venturacountyshortsalerealtor.com/?p=1066.

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Do I have to wait long to Buy Another Home After A Moorpark Short Sale?

 

http://MoorparkShortSaleSpecialist.com
Moorpark Short Sale Help, Certified HAFA Specialist, Certified Distressed Property Expert and Certified Pre-Foreclosure Specialist.

“I am upside down and need to move. I would like to buy another home. Can I do that?” they ask us.

Today they can. FHA (the Federal Housing Administration) has a new program that enables you to short sale your existing home and buy a new home right afterwards.

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

The home you purchase would have to meet FHA’s standard lending guidelines. FHA is a great mortgage program.

In fact, more people buying a home in today’s market are getting an FHA loan.

Here is what you would need to do to participate in the program:

1. Determine if you qualify to participate in the program. We have been told that you will need the following.

(Guidelines can change at any time, so make sure you check them with a Mortgage Professional familiar with the program.)

A. A 640 FICO credit score or better.

B. You must be current on all installment payments and your mortgage.

C. No bankruptcy or foreclosure on your credit in the last 7 years.

D. The home you are purchasing must be inferior to the one you are selling. I don’t know the exact guidelines, but I think it means it is a smaller home, or it has less bedrooms or a lower price.

E. You will need the 3.5% down payment for the new purchase.

2. Continue making your mortgage payments each month.

3. Talk to a Mortgage Professional and fill out FHA’s Short Sale and Buy Application.

4. Get pre-approved for your next home loan.

5. Put your home on the market with a licensed short sale realtor.

6. Once the short sale is approved, then you can start looking at other homes.

7. Close on selling your home and on purchasing the new property.

All in all it seems pretty simple. The key is to make sure they you are approved for the loan on the next home before you sell your existing home. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atcjohnson@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 Moorpark 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 http://MoorparkShortSaleSpecialist.com /. Moorpark Short Sales Realtor:

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 Moorpark CA Short Sales. Moorpark Realtor.

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

Important Notice

Chris B Johnson, http://MoorparkShortSaleSpecialist.com 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 http://www.ChrisBJohnsonRealtor.com/

This information on How Soon Can I Buy Another Home After A Moorpark Short Sale? is provided as a courtesy to our viewers to help them make informed decisions.

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