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Monday, June 11, 2012

Ventura County Short Sales, How We Negotiate with the Banks Negotiator…and Win.

A bank should approve a short sale if doing so will net the owner of the loan more money than a foreclosure.

 Remember all banks and servicers have a fiduciary duty to the entity that owns the loan. If they own the loan themselves, they have a fiduciary duty to their stockholders.

Their fiduciary duty is to reduce that losses on the loan as much as possible. So, a lender should accept an offer if it will net the most money.

 The Realtors only job is to prove that the short sale offer will net them the most money. We do that by showing them that the property has been on the open market for 60-90 days.

The Realtor needs to be able to show that the house was easy for buyers to see and other agents to show.

 We tell them the following, "I'm an Certified Short Sale Specialist, a Certified Distressed Property Expert, a Certified HAFA Specialist and have a full time short sale department experienced and dedicated to getting short sale transactions approved and closed. We have had this house listed for X days. The seller has lived there the entire time and kept up on the house. It looks good.

We have had 43 showings since then. Out of that, only 3 buyers expressed interest. Out of those 3 buyers, the current buyer is the one willing to pay the most money. I'm doing my job marketing the property.

 With the current foreclosure case status, the home won't be foreclosed for another 6 to 18 months. When you (the bank) foreclose on the house, the owners will move out. The house won't be kept up on anymore. I can help short sale the property now, and help the owners get back on their feet. If you need more information, send me an e-mail at 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.

 If you (the bank) do foreclose, the REO (Banks) listing agent will be working on 20 other homes and won't be able to do as good of a job marketing the home as I am doing. Plus, the home will sit abandoned for an additional 6 months before you (the Bank) are able to work it into your inventory of homes ready for sale.

Around here Spring is the best time of the entire year to sell a home.
It will be winter when you first put the home on the market. That is the slowest selling season of the year. Do you (the Bank) honestly think the home is going to sell for more money at that time?"

 We all know that today's offer is probably the best offer that will net the bank the most money for the property. We always make your case strong and clear to the bank as to why a Short Sale is better than Foreclosure.

Got questions about short sales? Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Thanks for reading this,

Chris B Johnson, Realtor
Chris is a Real Estate Agent at Prudential California Realty.
Phone: 805-208-0823.
Certified HAFA Specialist, Certified Short Sale Specialist, Certified Distressed Property Expert

Which way is the Real Estate Market Headed?
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View My homes for sale at

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

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. So Please read
For Disclosure, and more information on Mortgage Assistance Relief Services, please see Code 16 of Federal Regulations (FTC), Part 322, or , and always consult your CPA, Accountant, Financial Advisor and Attorney before you any financial or legal decisions. Also see
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