Your home is probably the biggest asset you own. This is why you should hire a professional REALTOR® to guide you. I help 24 to 28 families each year buy or sell a home. I have been a financial & real estate consultant for the past 30 years and specialized in loan loss mitigation, short sale negotiation and REO marketing. I know how to negotiate contracts & navigate through the most difficult transactions.
Chris B Johnson CalBRE 01501699-Allison James Estates & Homes CalBRE 01885684
You may now
have enough EQUITY in your home to sell WITHOUT having to be “short”. If you
are thinking about a short sale I can help you get an accurate
value for your home 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-Moorpark-Simi Valley-Thousand Oaks loan modification kit has the
instructions you will need to get a loan modification approved with your bank. Click
here to request a copy.
Chris B 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.
The average price paid for a home in Thousand Oaks edged up slightly from January and remained nearly 20 percent higher than a year earlier, but home sales dropped to the lowest level for a February in six years as many would-be buyers struggled with inventory constraints, credit hurdles and reduced affordability.
Market Inventory Trends:
The number of active listings in Thousand Oaks (91360) dropped by 0.9% from the previous month.
The median number of days active properties have been listed is 44. This is significantly shorter than the national average.
The number of sales in January dropped by 77.8% from the previous month.
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.
What is my Home Worth? Do I have Equity? Find out here: Click Here.
Get your Free Report for All Your Options HERE: Certified Distressed Property Expert,
Should you Short Sell your property?? Go to Short Sale Decision Maker
Chris B Johnson provides HAFA Loan Modification and short sales help, Short Sales in Moorpark, Short Sales in Thousand Oaks, Short Sales in Westlake Village, Short Sales in Newbury Park, Short Sales in Camarillo, Short Sales in Santa Rosa Valley, Short Sales in Somis, Short Sales in Lake Sherwood, and Short Sales in Simi Valley California. Moorpark Loan Modification Help, Thousand Oaks Loan Modification Help, Westlake Village Loan Modification Help , Newbury Park Loan Modification Help, Camarillo Loan Modification Help, Santa Rosa Valley Loan Modification Help, Somis Loan Modification Help, Lake Sherwood Loan Modification Help, and Simi Valley Loan Modification Help, Moorpark short sales , Thousand Oaks short sales, Westlake Village short sales, Newbury Park short sales , Camarillo short sales, Santa Rosa Valley short sales, Somis short sales, Lake Sherwood short sales, and Simi Valley short sales. Moorpark Short Sale Specialist , Realtor, Moorpark Short Sale Specialist , Realtor, Short Sale Specialist , Realtor, Ventura County CA Short Sales. Stop Foreclosure in Ventura County, Certified HAFA Specialist, Moorpark Short Sale Specialist, Thousand Oaks Short Sale Specialist, Westlake Village Short Sale Specialist , Newbury Park Short Sale Specialist, Camarillo Short Sale Specialist , Simi Valley Short Sale Specialist, Moorpark CA Short Sales, Thousand Oaks CA Short Sales, Westlake Village CA Short Sales, Newbury Park CA Short Sales, Camarillo CA Short Sales, Simi Valley CA Short Sales, Ventura County Foreclosure Help, Moorpark Foreclosure Help, Certified Home Affordable Foreclosure Alternative Specialist, HAFA, HAMP. CA. DRE 10501699.You can find Ventura County Short Sale Specialist, Realtor, at 587 W. Los Angeles Avenue, Moorpark, CA. 93021Chris also 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 Specialist, Realtor, Short Sale Specialist, Realtor, Ventura County CA Short Sales. Ventura County Specialist, Realtor, Certified Home Affordable Foreclosure Alternative Specialist . 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.
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. Certified Distressed Property Expert.
Short Sale Click here.. To Read More About The Potential Tax Consequences of a Short Sale: Click here.. Loan Mod vs Short Sale Click here..
If you are a first time buyer, you may have the time and patience needed for a probate or short sale in Moorpark, Simi Valley or Thousand Oaks.
What if your FICO score is not "Perfect"? Well, go back to the top and realize there is still hope. One Third of consumers have a FICO score below 650, according to Carrington Mortgage.
The lender is refocusing its business on targeting the underserved segment and eliminating conventional and jumbo loans. It is limiting its acceptance of wholesale submissions with FICO scores above 680 starting April 1, except for VA loans, HousingWire reports.
Carrington Mortgage Services is the latest company to announce that it has lowered its minimum FICO score to 550.
It also has expanded guidelines on several FHA, VA, and USDA loan programs to aid those with FICO scores below 640.
Wells Fargo, the nation’s largest mortgage lender, said in February that it was lowering its minimum FICO score requirements on FHA-backed mortgages from 640 to 600.
The move, bank officials said, was aimed at “opening up our credit box more.”
The average listing price for homes for sale in Thousand Oaks CA
was $1,094,284 for the week ending Mar 12, which represents a decrease of 4.2%,
or $48,323, compared to the prior week.
You may now
have enough EQUITY in your home to sell WITHOUT having to be “short”. If you
are thinking about a short sale I can help you get an accurate
value for your home 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-Moorpark-Simi Valley-Thousand Oaks loan modification kit has the
instructions you will need to get a loan modification approved with your bank. Click
here to request a copy.
Chris B 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.
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.
Are there still
homeowners out there that could benefit from a Short Sale? Well, the number of Homeowners in California who have more than 10
percent equity in their residence went up 2.3 percent, or nearly $120,000, in
February. The decline in negative equity is certainly good news, but, it is
important to keep in mind that 1.2 million California homeowners, or 13.9
percent, remain underwaterand
will continue to create significant headwinds for the California housing market
recovery. Couple this with increase home prices and increasing interest rates,
and you can see it will be more difficult for a lot of buyers.
February was another month with lackluster home sales, and the fifth in a row where sales
fell short of the same month a year earlier. The March-through-May data will
give us a better sense of what's been holding back activity the most – supply
constraints or the double-whammy of higher prices and higher mortgage rates.
The drop in housing affordability is enough to nudge some out of the market.
Other would-be buyers have no doubt called ‘time out’ while re-evaluating their
housing priorities, or watching for signs the market has overshot a sustainable
price level.
The economy is growing, creating jobs. People who lost homes to a
short sale or foreclosure over the last eight years will be looking to buy
again. On the supply side, inventory is increasing, as it normally does this
time of year, but so far there hasn’t been an explosion of new listings, and
new-home construction is still well below average. 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 sale I can help you get an accurate
value for your home 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-Moorpark-Simi Valley-Thousand Oaks loan modification kit has the
instructions you will need to get a loan modification approved with your bank. Click
here to request a copy.
Chris B 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.
By
Chris B Johnson Realtor, Ventura County, Moorpark CA: The number of homes
which closed / sold in January for the city of MOORPARK was 31, with an average
price of $515,000. This represents an increase from last year of roughly 43.06%.
This number is very deceiving because it DOES NOT solely represent home
appreciation. A large portion of this gain has to do with the segment of the
market which is selling now ie, larger homes selling this year vs last year.
The average home sale price in Ventura County has risen for
23 months in a row. Those gains have been double-digit, between 10.8 percent
and 28.3 percent, over the past 19 months. Our February average was 24.2 percent
below the peak $505,000 average home value with was attained in spring/summer
2007.
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 sale I can help you get an accurate
value for your home 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-Moorpark-Simi Valley-Thousand Oaks loan modification kit has the instructions
you will need to get a loan modification approved with your bank. Click
here to request a copy.
Chris B 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.
.
Chris B Johnson provides HAFA Loan Modification and short sales help, Short Sales in Moorpark, Short Sales in Thousand Oaks, Short Sales in Westlake Village, Short Sales in Newbury Park, Short Sales in Camarillo, Short Sales in Santa Rosa Valley, Short Sales in Somis, Short Sales in Lake Sherwood, and Short Sales in Simi Valley California. Moorpark Loan Modification Help, Thousand Oaks Loan Modification Help, Westlake Village Loan Modification Help , Newbury Park Loan Modification Help, Camarillo Loan Modification Help, Santa Rosa Valley Loan Modification Help, Somis Loan Modification Help, Lake Sherwood Loan Modification Help, and Simi Valley Loan Modification Help, Moorpark short sales , Thousand Oaks short sales, Westlake Village short sales, Newbury Park short sales , Camarillo short sales, Santa Rosa Valley short sales, Somis short sales, Lake Sherwood short sales, and Simi Valley short sales. Moorpark Short Sale Specialist , Realtor, Moorpark Short Sale Specialist , Realtor, Short Sale Specialist , Realtor, Ventura County CA Short Sales. Stop Foreclosure in Ventura County, Certified HAFA Specialist, Moorpark Short Sale Specialist, Thousand Oaks Short Sale Specialist, Westlake Village Short Sale Specialist , Newbury Park Short Sale Specialist, Camarillo Short Sale Specialist , Simi Valley Short Sale Specialist, Moorpark CA Short Sales, Thousand Oaks CA Short Sales, Westlake Village CA Short Sales, Newbury Park CA Short Sales, Camarillo CA Short Sales, Simi Valley CA Short Sales, Ventura County Foreclosure Help, Moorpark Foreclosure Help, Certified Home Affordable Foreclosure Alternative Specialist, HAFA, HAMP. CA. DRE 10501699.You can find Ventura County Short Sale Specialist, Realtor, at 587 W. Los Angeles Avenue, Moorpark, CA. 93021Chris also 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 Specialist, Realtor, Short Sale Specialist, Realtor, Ventura County CA Short Sales. Ventura County Specialist, Realtor, www.theshortsaleguide.com ,
Certified Home Affordable Foreclosure Alternative Specialist .
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.
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. Certified Distressed Property Expert.
Short Sale Click here.
.
To Read More About The Potential Tax Consequences of a Short Sale: Click here.
.
Loan Mod vs Short Sale Click here..
By Chris B Johnson
Realtor, Ventura County CA- Organizations representing blacks, Latinos and
Asian Americans sued California Gov. Jerry Brown on Friday, alleging that the
Democratic governor unlawfully diverted hundreds of millions of dollars to the
state's general fund that should have been used to aid victims of the
foreclosure, short
sale and principal reduction crisis according to the National Mortgage
Settlement. From Monday,
March 17, 2014 The suit involves a $369 million pot of cash the state of California
received as part of the settlement in 2012 between 49 states and the country's
five largest mortgage servicers.
At the time, California was facing a state budget shortfall.
Brown diverted most of the $369 million away from a housing-related fund in
order to help plug the budget gap, according to the lawsuit.
The lawsuit's plaintiffs are the National Asian American
Coalition, the National Hispanic Christian Leadership Conference, and Cor
Community Development Corp., a group that's affiliated with thousands of black
churches.
They allege that Brown's decision violated state law. Their
suit also charges that the governor's budget maneuver impinged on the state
attorney general's authority to settle lawsuits on behalf of the state.
Since 2012, California's fiscal outlook has improved
considerably, and the state currently has a budget surplus. "The governor had no legal right to divert these funds
in the first place and, even if he did, he certainly has the statutory duty to
replenish them in this year of surplus," the lawsuit states.
The governor's office referred comment on the lawsuit to the
California Department of Finance. A spokesman for that agency said in an email:
"While we haven't yet seen the complaint, we're confident that our budget
actions are legally sound."
Initially, Harris, a Democrat who negotiated a hefty share of
the national
mortgage settlement for California, spoke out against the governor's
decision to divert the funds.
"While the state is undeniably facing a difficult budget
gap," the attorney general said in a May 2012 Facebook post, "these
funds should be used to help Californians stay in their homes."
But Harris has not argued publicly that the governor's
decision was unlawful.
The lawsuit was spearheaded by longtime public interest
lawyer Robert Gnaidza and Neil Barofsky, the former special inspector general
for the Troubled Asset Relief Program who has loudly criticized the Obama
administration for failing to provide more assistance to victims of the
foreclosure crisis.
During a conference call with reporters, Gnaidza acknowledged
that Harris finds herself in a difficult position. "She did a better job than any other AG in the country
in getting a good settlement," he said. "But I think she also feels a
loyalty as attorney general to the governor."
Faith Bautista, president of the National Asian American
Coalition, said she's focused on getting assistance for the two million
households that still face the prospect of losing their homes. "Homeowners
need help," she said. Other states besides California have also used money they
received from the mortgage settlement for purposes unrelated to housing.
When asked if he's considering suing other states, Gnaidza
said: "There are at least 15 states, such as Georgia and Nevada, where
this could be done. I suspect there will be other suits within a few months."
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-Moorpark-Simi Valley-Thousand
Oaks loan modification kit has the instructions you will need to get a loan
modification approved with your bank. Click
here to request a copy.
Chris B
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.
Many homeowners bought their home at the peak of the market. In the hardest hit areas, they paid $500,000 for homes that are not selling for $250,000 (or even less.)
Their home is costing them $4,000 a month. (That is the total after paying property taxes and insurance.) Renters have moved into the neighborhood and are paying less than $2,000 to rent a comparable home.
It just seems like these homeowners are getting an unfair deal all around. Should these homeowners dump their homes in favor of a lower priced home?
Some people say No! “That is breaking your word. If everyone did it, just think of what would happen?” they say. There is a little problem with that logic.
Many of those homeowners see everyone else taking advantage of the system. It has gotten so bad that in some neighborhoods most of the homes have been abandoned.
Why shouldn’t a homeowner do what is best for themselves? After all, they can save hundreds of thousands of dollars.
Let’s say they short sale their home with a $500,000 mortgage, rent for 2-3 years, and then buy later. But, what if home prices appreciate over the next few years?
If they are already upside down by 50%, then it still makes financial sense to short sale now. If the housing market has improved by 5% a year, their $250,000 house will have increased to $289,400 in three years.
That is still much less than $500,000. In addition, they will save even more on interest payments. I am not recommending they do anything.
I just want to lay out the benefits and leave the decision up to them. 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..
View My homes for sale at www.ChrisBJohnsonRealtor.com.
Chris B 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.
Simi Valley Short Sale HELP!!Certified Simi Valley Short Sale Specialist
. What is my Home Worth? Do I have Equity? Find out here: Click Here.
. Get your Free Report for All Your Options HERE: Certified Distressed Property Expert, .
. Should you Short Sell your property?? Go to Short Sale Decision Maker
. Chris B Johnson provides HAFA Loan Modification and short sales help, Short Sales in Moorpark, Short Sales in Thousand Oaks, Short Sales in Westlake Village, Short Sales in Newbury Park, Short Sales in Camarillo, Short Sales in Santa Rosa Valley, Short Sales in Somis, Short Sales in Lake Sherwood, and Short Sales in Simi Valley California. Moorpark Loan Modification Help, Thousand Oaks Loan Modification Help, Westlake Village Loan Modification Help , Newbury Park Loan Modification Help, Camarillo Loan Modification Help, Santa Rosa Valley Loan Modification Help, Somis Loan Modification Help, Lake Sherwood Loan Modification Help, and Simi Valley Loan Modification Help, Moorpark short sales , Thousand Oaks short sales, Westlake Village short sales, Newbury Park short sales , Camarillo short sales, Santa Rosa Valley short sales, Somis short sales, Lake Sherwood short sales, and Simi Valley short sales. Moorpark Short Sale Specialist , Realtor, Moorpark Short Sale Specialist , Realtor, Short Sale Specialist , Realtor, Ventura County CA Short Sales. Stop Foreclosure in Ventura County, Certified HAFA Specialist, Moorpark Short Sale Specialist, Thousand Oaks Short Sale Specialist, Westlake Village Short Sale Specialist , Newbury Park Short Sale Specialist, Camarillo Short Sale Specialist , Simi Valley Short Sale Specialist, Moorpark CA Short Sales, Thousand Oaks CA Short Sales, Westlake Village CA Short Sales, Newbury Park CA Short Sales, Camarillo CA Short Sales, Simi Valley CA Short Sales, Ventura County Foreclosure Help, Moorpark Foreclosure Help, Certified Home Affordable Foreclosure Alternative Specialist, HAFA, HAMP. CA. DRE 10501699.You can find Ventura County Short Sale Specialist, Realtor, at 587 W. Los Angeles Avenue, Moorpark, CA. 93021Chris also 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 Specialist, Realtor, Short Sale Specialist, Realtor, Ventura County CA Short Sales. Ventura County Specialist, Realtor, www.theshortsaleguide.com , Certified Home Affordable Foreclosure Alternative Specialist . 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.
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. Certified Distressed Property Expert.
Short Sale Click here..
To Read More About The Potential Tax Consequences of a Short Sale: Click here.. Loan Mod vs Short Sale Click here..
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved. Important Notice
Chris B Johnson,Prudential California Realty, Berkshire Hathaway HomeServices, 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’s personal views and do not reflect the views of Prudential California Realty, Berkshire Hathaway HomeServices .
This information on Moorpark Short Sales: If You Bought At The Market’s Peak, Does It Make Sense To Short Sale Your Home? is provided as a courtesy to our viewers to help them make informed decisions.
