By Chris B Johnson Realtor

Many Ventura County Homes Appreciated by over 26% In The Last 2 Years.  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 sale I 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 Neighborhood or the Ventura County Real Estate Market, Click on the Links!

Average Days on Market

days on market
74 View 90-day trend

Selling vs Asking Price

selling below asking price
-2% View 90-day trend

Asking and Sold Prices

median sold price
$612,000 View 90-day trend

Number of Homes for Sale

homes for sale decreased
-26% View 90-day trend

Have a Question? Get in touch. I'm happy to help. Email me or call 805.208.0823

Listings

ID		Address	Price	On Market
1		3853 Timberridge Road 3 beds, 3 baths, 2427 sq. ft., View Detail  |  Show On Map	$669,000 $276 / S.F.	13 days NEW LISTING
2		3944 Sunsetridge Road 4 beds, 3 baths, 2200 sq. ft., View Detail  |  Show On Map	$645,000 $293 / S.F.	63 days SOLD
3		11576 Flowerwood Court 5 beds, 5 baths, 3786 sq. ft., View Detail  |  Show On Map	$725,000 $191 / S.F.	2 days NEW LISTING
4		11291 Terraceridge Road 4 beds, 3 baths, 2096 sq. ft., View Detail  |  Show On Map	$615,000 $293 / S.F.	201 days SOLD
5		4113 Laurelview Drive 5 beds, 5 baths, 3968 sq. ft., View Detail  |  Show On Map	$799,000 $201 / S.F.	50 days PENDING
6		3943 Quailwood Street 4 beds, 4 baths, 3509 sq. ft., View Detail  |  Show On Map	$739,000 $211 / S.F.	269 days PENDING
Previous 1 2 3 4 5 ... 17 Next

Chris B Johnson Realtor, Stop Foreclosure!
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Chris B Johnson
(805) 208-0823

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Government Programs …
Find Out if You May Be Eligible and Get Help Now.

There are a number of government programs available to provide you with solutions. See which program below matches your situation best, and then take the survey to see if you might be eligible.
Take action, find out more about your options and learn if you might be eligible. If your situation is urgent, or you have further questions, feel free to contact me.

Home Affordable Foreclosure Alternatives (HAFA) Is your mortgage currently unaffordable, or will it be in the near future? Even with adjusted payment plans?	Home Affordable Modification Program (HAMP) Are you struggling to make mortgage payments? Could lowered mortgage interest rates possibly make your mortgage affordable?
Home Affordable Refinance Program (HARP) Are you making your mortgage payments on time? Still trying to refinance your mortgage to a more affordable level?	Second Lien Modification Program (2MP) Has your first mortgage been modified under the Home Affordable Modification Program (HAMP)? Are you still struggling with payments due to a second lien?

How to Recognize a Mortgage Scam

You might be a victim of a scam if:

• You are told you will get a federal incentive to walk away from your mortgage
• You are asked to pay upfront for counseling
• You are pressured to sign papers immediately
• You are asked to sign your house over to a company or person who is not working with your mortgage company
• You are asked to make a mortgage payment to someone other than your mortgage company without their approval
• You are guaranteed a successful short sale or mortgage modification
• They claim to be a representative of the federal government

---

If you believe that you are a victim of a scam, you should contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or visit their Complaint Assistant https://www.ftccomplaintassistant.gov.

The information provided in this webpage is based on government documents, which are subject to change. Therefore, the Distressed Property Institute, LLC, and the agent featured on this page, cannot be held responsible for the accuracy of the information provided here. This survey can help you determine the likelihood of your eligibility, but only the servicer of your loan can tell you if you qualify.

Homeowner Resources

Get Your FREE Report!

What is a CDPE^®?

Learn how agents with the Certified Distressed Property Expert^® designation are best suited to help distressed homeowners.

Contact This CDPE^®

Chris B Johnson

Berkshire Hathaway Home Services California Realty

587 W Los Angeles Avenue

Moorpark, Ca 93021

(805) 208-0823

http://www.ChrisBJohnsonRealtor.com

The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice.
It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner. The above brokerage is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.
©2014 Charfen Institute. | All Rights Reserved | Privacy Policy

© 2013. An independently owned and operated member of the BHHS Real Estate Affiliates, Inc. http://venturacountyshortsalespecialist.com  http://stopforeclosureventuracounty.blogspot.com       . Google+.

Moorpark Hyperlocal Short Sale Trends, Has the Moorpark Short Sale Market Been Pulling Back?

By Chris B Johnson Realtor,   Moorpark Short Sale Map- Ventura County Short Sale,

The Moorpark Short Sale Market has been pulling back and prices have recently flattened. Demand measured by the Market Action Index is increasing and days-on-market is holding steady. With more properties coming available, conditions are mildly positive. In the last few weeks the market has achieved a relative stasis point in terms of sales to inventory. However, inventory is sufficiently low to keep us in the Seller's Market zone so watch changes in the MAI. If the market heats up, prices are likely to resume an upward climb.

---

Market View for Moorpark

---

Average Listing Price                $764,015
for week ending May 21           -$13,126
                                                      -1.7%
Median Sales Price                  $535,000
Feb '14 - May '14                     +$40,000
                                                 +8.1%
Home Standings                   140 Homes for Sale
3      Open Homes

1. Recently Sold

83 Foreclosures

---

Average Listing Price	$764,015	-1.7%	w-o-w
Median Sales Price	$535,000	+8.1%	y-o-y
Average Price/sqft	$275	+5.0%	y-o-y
Number of Sales	64	-30.4 %	y-o-y

No. Bedrooms	Feb - May '14	y-o-y	3 months prior	1 year prior	5 years prior
1 bedroom	-	-	-	-	-
2 bedrooms	$370,000	+18.6%	$375,000	$312,000	$242,250
3 bedrooms	$462,000	+7.9%	$478,000	$428,000	$355,000
4 bedrooms	$589,000	+7.1%	$602,500	$550,000	$570,000
All properties	$535,000	+8.1%	$522,500	$495,000	$380,000

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@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 Johnson is a Realtor with Prudential California Realty, Berkshire Hathaway HomeServices .
 Phone: 805-208-0823.
email cjohnson@prucalhomes.com.

Certified HAFA Specialist      Certified Distressed Property Expert    Certified Short Sale Negotiator.  

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

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)

By Chris B Johnson Realtor.  

Ventura County Short Sale HELP!! Buying A Short Sale In Simi Valley or Thousand Oaks or Moorpark? Are You Sure You Are Ready??

By Chris B Johnson, Realtor.

 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.” 

Still have questions?

Please call me at 805.208.0823.

 Thank You!

Chris B Johnson

See What Is Selling

Buyers Can Get Very Good Deals

ChrisBJohnsonRealtor.com Google+.

Get a Market Snapshot of your neighborhood To Get A Market SnapShot Click Here .

Are Home Values UP or Down?. For Housing Trends Click Here.


  . Short Sale vs Foreclosure Click Here.

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
Stop Foreclosure Institute

Ventura County-Moorpark Short Sales: I Am Current On My Mortgage, Can I Short Sale My Upside Down Home?

By Chris B Johnson Realtor, Moorpark CA.

 – Moorpark Short Sale Specialist recently received a question from Brent. Here is Brent's Question.

 "If we are not behind on our mortgage but can't sell our home through a normal sale because we don't have any equity, can we still qualify for a Moorpark short sale? We would like to sell this property and get another property where we are not upside down. Thank you!” asked Brent.

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

Here was our answer. Brent, there is actually a federal short sale program that encourages what you would like to do. It is called the FHA 4155 loan program. It allows a person that is short selling their house to buy another one right away. However, there are a few caveats.

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 on 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. The biggest hurdle will be getting your current lender to approve the short sale.

Most lenders will approve a short sale. It just takes time and a little patience. But, it is a great opportunity to move on from your upside down property and start building equity elsewhere.

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..

 Thanks for reading this,

 Chris B Johnson.

Chris B Johnson is a Real Estate Agent at Prudential California Realty, Berkshire Hathaway HomeServices . Phone: 805-208-0823.
cjohnson@prucalhomes.com.

Certified HAFA Specialist, Certified Short Sale Specialist.

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. 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 B Johnson's personal views and do not reflect the views of Prudential California Realty, Berkshire Hathaway HomeServices . This information on Moorpark Short Sales: Can I Short Sale My Upside Down Home? is provided as a courtesy to our viewers to help them make informed decisions.

Why Short Sale Lenders Back Off When Threatened With Bankruptcy

Ventura County & The Conjeo Valley, CA – Bankruptcy is one of the scariest words a lender can hear. A bankruptcy filing can stall their ability to foreclose by 6 months, and sometimes as long as a year.

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

 The lenders know that most bankruptcies will cause them to lose the ability to pursue you for any losses. This means they can’t go after you for any upside down debt. The only thing a lender gets in a Chapter 7 Bankruptcy is any collateral they have on a loan.

So they can foreclose on your house, but that is about the only thing they can do. They can’t garnish your wages or bank accounts. So use the bankruptcy threat in your negotiations. Lenders know how much it will hurt their ability to collect from you.

 The most effective technique that we have seen is to have all negotiations go thru a bankruptcy lawyer. The lawyer knows how to negotiate from a position of power. The lawyer will also know full well exactly how bankruptcy will hurt the lender. Even if you have no intention of declaring bankruptcy the lender will get scared and cave in. Then you can get the loan modification you deserve.

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.

 Chris B is a Real Estate Agent at Prudential California Realty.

 Phone: 805-208-0823.

cjohnson@prucalhomes.com.

 Certified HAFA Specialist, Certified Short Sale
 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, Prudential California Realty, 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. This information on How To Preserve Your Credit During A Moorpark Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

 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

How To Contact Congress About Your Ventura County Short Sale Or Loan Mod Taking Too Long To Be Approved

  Ventura County Short Sale HELP!! – A lot of people think that it is normal to wait 6-8 months for an answer on a short sale or loan modification.

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

Bank of America, Chase, and several other lenders need to improve their response times. But, they won't do it without some prodding. They have the resources available to make the changes. Bank of America, Wells Fargo, JP Morgan Chase, and Citigroup are all currently profitable. We can get them to improve their process and response times on loan modifications and short sales.

It will take a lot of pressure and lobbying. So, help us out here. Here is the link to get all the fax numbers for congress.

Frustrated about your loan mod? Aggravated with your short sale? Send everyone in congress a fax about it.

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.

Thanks for reading this,

Chris B Johnson.

Chris B is a Real Estate Agent at Prudential Califonia Realty.

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 Ventura County CA Short Sales. Ventura County Realtor. Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice Chris B Johnson, Prudential Califonia Realty, 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. This information on How To Contact Congress About Your Ventura County Short Sale Or Loan Mod Taking Too Long To Be Approved is provided as a courtesy to our viewers to help them make informed decisions.

How Do You Negotiate A Ventura County Short Sale With A HELOC Loan ?

Certified Short Sale Negotiator

Your Ventura County Short Sale Specialist recently recieved the following question, “What is your experience with HELOCs? I have a HELOC that is a 2^nd mortgage. The first mortgage will give them 6% or approximately $3000. The HELOC is saying that they want 30% ($30,000.) They won't budge. They want this in CASH, not as a promissory note (in case the seller does a bankruptcy.) They are telling me they will just let the house foreclose because that is the lender's policy now. What do you recommend that I do?”

 

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

 

Here was our answer to the question. Most third party collection agencies are very tough to negotiate with. They are completely unreasonable. They are so trained to give ultimatums that they will not budge, no matter how much logic and common sense you bring to them.

 

Here is what you can do. Go around them. Contact the CEO. We have been able to contact the CEO of many different lenders. Show them that they will receive less in a foreclosure than the $3,000 available now. Hopefully they will tell the collection agency to approve the $3,000 deal.

 

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.

 

Thanks for reading this,

 

Chris B Johnson.

 

Chris is a Real Estate Agent at Prudential Califonia Realty.

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 Ventura County CA Short Sales. Ventura County Realtor. Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

 

Important Notice Chris B Johnson, Prudential Califonia Realty, 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 Prudential Califonia Realty. This information on Ventura County Short Sale Question: I’m Having A Hard Time Negotiating A Short Sale On A HELOC Loan is provided as a courtesy to our viewers to help them make informed decisions

Ventura County Short Sale HELP, Do I Have To Be Behind On Payments Before My Lender Will Approve My Ventura County Short Sale?

Ventura County Short Sale Help – The laws keep changing, so it can be difficult to keep track of who allows what. Usually, the best place to start is researching who owns your loan??

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

Many homeowners have short sold their home and never missed a payment. The lenders will approve a short sale where the seller has not missed a payment when the following is in place.

1. The homeowner owes more on their home than it is worth.

2. The homeowner has a verifiable hardship that will force them to miss their payments in the near future. In these cases, the lenders know it is better to liquidate the home as quickly as possible.

A faster sale will reduce their losses on interest and property taxes. In addition, an owner occupied home usually sells for much more than a vacant home. Sure, the lenders don't like short sales. They hate losing money. (Don't kid yourself.)

But, they know that when a loss is inevitable, then it is best to do what they can to reduce the loss as much as possible. That is why they will approve short sales when the homeowner hasn't missed a payment yet. In fact, they will probably even negotiate loan modifications with homeowners who haven't missed a payment either.

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.

Thanks for reading this,

Chris B Johnson.

Chris B is a Real Estate Agent at Prudential Califonia Realty.

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

Certified HAFA Specialist, Certified Short Sale Specialist

View My homes for sale at www.ChrisBJohnsonRealtor.com.
Should you Short Sell your property?? Go to Important Notice

Chris B Johnson, Prudential Califonia Realty, 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 Prudential Califonia Realty. This information on Another Common Myth About Ventura County Short Sales: You Have To Be Behind On Payments Before Your Lender Will Approve A Short Sale is provided as a courtesy to our viewers to help them make informed decisions. http://venturacountyshortsalespecialist.com/?p=1544

Need Ventura County Short Sales Help?: The Bank Won’t Release Me From My Upside Down Debt. What Can I Do?

Ventura County CA – I recently met a realtor who sells properties in a beach town. “Short sales take 9-12 months. The banks are so hard to deal with”, she said.
She mentioned short selling a customer’s property. The sellers were two doctors that had to take a promissory note. The sale was for 900k, so the loss must have been above average.

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

In this case, her customer’s were ok with a promissory note. But, what if you want to short sale and walk away from the updside down debt?
What can you to do short sell your home without a promissory note. Negotiating short sales on more expensive homes is different than your average short sale.

The most common loan types that will give you a complete release are Fannie Mae, Freddie Mac, FHA, and VA. Most of them won’t loan on a mortgage over $417,000.

There are a few exceptions, but that is the general rule. If your mortgage amount is more than $417,000, then your loan is probably owned by the bank you originally got it from, or it has been securitized.

Many of these loan owners will not grant a release. You will have to use other methods. First, you can tell them that you are broke. If that true, then they may let you off without much ado.

If you have assets, then you will need to use different tactics. You can hire someone to do a “Loan Audit.” This is where they go thru your loan file and search for any violations of lending laws.

Maybe they didn’t give you the proper federally required mortgage disclosures. Maybe the mortgage broker or lending company wasn’t properly licensed. A loan audit will often help your case.

But, it isn’t an “end all, be all”. I’ve seen people promote it as that. Another thing you can do is hire on a good attorney. You will want to deal with someone who is a consumer advocate.

They will know how to use the law to negotiate from a position of power on your short sale. In my opinion, the best way to hire lawyer in this case is on a contingency.

Tell the lawyer, "I will pay you X when you get me what I want." Some people think lawyers drag cases on just to earn more money. Using a payment arrangement like this will help you avoid that.
However, the most important thing you can do is to hire on an experienced short sale agent. Ask them if they have negotiated any short sales where the lender asked for a promissory note.

Then, ask them what they did to negotiate away the promissory note. The good short sale agents will usually know a good attorney. They may have experience dealing with your bank.

Bottom line: They are the person who can point you in the right direction so you can short sale and walk away with a complete release from the debt. 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.

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

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

 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, Moorpark Loan Modification Help, Thousand Oaks Loan Modification Help, Westlake Village Loan Modification Help , and Simi Valley Loan Modification Help, Moorpark short sales , Thousand Oaks short sales, Westlake Village short sales, and Simi Valley short sales. Moorpark 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 , 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. 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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Loan Mod vs Short Sale Click here.
Income Property Info Click here.