Short Sale Real Estate Trends, Up, Down or Sideways? HYPERLOCAL-Ventura County, Thousand Oaks Short Sale

 By Chris B Johnson Realtor, 

The level of activity for Existing Home Sales in March was down 7.5% from March 2013.

Potential reasons for this year-over-year decline is the fall in distressed sales (down from 21% to 14% of the market year-over-year) and ongoing weakness in demand among first-time home buyers. 

The current share of first-time home buyers is 28%, compared to a historical average of about 40%. March new home sales were down 14.5% in March to a seasonally-adjusted annual basis of 384,000, the lowest pace since July 2013 and down 13.3% year-over-year.

The Average price per square foot for a home in ThousandOaks CA was $316, an increase of 11.3% compared to the same period last year. The median sales price for homes in Thousand Oaks CA for Jan 14 to Apr 14 was $555,000 based on 209 home sales. 

Compared to the same period one year ago, the median home sales price increased 5.7%, or $30,000, and the number of home sales decreased 38.3%. 

There are currently 268 resale and new homes in Thousand Oaks, including 7 open houses, as well as 163 homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The average listing price for homes for sale in Thousand Oaks CA was $1,196,807 for the week ending Apr 23, which represents a decrease of 3.4%, or $41,786, compared to the prior week.

Many Thousand Oaks Homes Appreciated by over 20% Last Year.  If you 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 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 Prudential California Realty, Berkshire Hathaway HomeServices . 

Phone: 805-208-0823. 

email cjohnson@prucalhomes.com.

Certified HAFA Specialist,                                                 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

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

Is It Too Late For A Short Sale?                             The Truth About Loan Modification Approvals

Loan Mod-Active Status Review

                                     
                                  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.  

Simi Valley Short Sale & Real Estate Market Update

By Chris B Johnson Realtor, 

The median sales price for homes in Simi Valley for Dec 13 to Mar 14 was $430,000 based on 197 home sales. Compared to the same period one year ago, the median home sales price increased 8.4%, or $33,250, and the number of home sales decreased 43.1%.

The average price per square foot for a Home in Simi Valley was $272, an increase of 17.2% compared to the same period last year. 

There are currently 438 resale and new homes in Simi Valley including 8 open houses, as well as 324 homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The average listing price for homes for sale in Simi Valley was $609,104 for the week ending Mar 26, which represents an increase of 0.3%, or $1,626, compared to the prior week.

Market View for Simi Valley

---

Average Listing Price:

·                           $609,104  for week ending Mar 26          +$1,626

Median Sales Price:

·                           $430,000  Dec '13 - Mar '14                     +$33,250

Home Standings:

·                            438 Homes for Sale

·                           8 Open Homes

·                          978 Recently Sold

·                        324 Foreclosures

Market Trends for Simi Valley

---

·        

Average Listing Price	$609,104	+0.3%	w-o-w
Median Sales Price	$430,000	+8.4%	y-o-y
Average Price/sqft	$272	+3.0%	y-o-y
Number of Sales	197	-43.1 %	y-o-y

Thousand Oaks Short Sale Update

Moorpark Short Sale Update

Foreclosure resales – homes foreclosed on in the prior 12 months – accounted for 6.8 percent of the Southland resale market in February. That was up slightly from 6.6 percent the prior month and was down from 16.2 percent a year earlier. In recent months the foreclosure resale rate has been the lowest since early 2007. In the current cycle, foreclosure resales hit a high of 56.7 percent in February 2009.

Short sales – transactions where the sale price fell short of what was owed on the property – made up an estimated 9.4 percent of Southland resales last month. That was down from a revised 11.0 percent the prior month and down from 22.4 percent a year earlier.

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!

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 Short Sale Negotiator.  

Ventura County Short Sale Question: Can My Lender Charge The Buyer A Fee To Buy My House ?

Certified Short Sale Negotiator

 http://www.ChrisBJohnsonRealtor.com

 

Ventura County Short Sale HELP!! – Your Ventura County Short Sale Realtor recently received a question from Brandon. Brandon is selling his house and something very interesting happened.

Brandon’s Question: "My lender is tring to charge a 1% short sale processing fee to the buyer. Is that legal? The buyer is upset. They have stipulated that ONLY the buyer can pay the fee. This was never revealed until the short sale approval letter arrived. Brandon."

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

Our comments on this. Yes, the buyer is upset. Buyers think they are in control in today's market. They can't see why they should pay a fee if they are buying a house in a "Buyer's Market." Is it legal?

We did a short sale with the same lender and they said their lawyers had checked it out and confirmed that it is legal. So, it probably is legal. We checked with Brandon and found out a little more information. Turns out the loan is owned by Deutsche Bank.

We convinced the lender to waive the fee on that short sale. We threatened to contact Deutsche Bank and let them know what was happening. Sure, it's wrong. But, do you know why this lender can get away with it? It's because the people who own the mortgages don't know about the fee. When you threaten to contact the loan owner, then that changes everything.

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 B's personal views and do not reflect the views of Prudential Califonia Realty. This information on Ventura County Short Sale Question: My Lender Is Charging The Buyer A Fee To Buy My House is provided as a courtesy to our viewers to help them make informed decisions. Choose The Best Short Sale Agent in Moorpark

Short Sale News: Ventura County Loan Servicer Demands A Bribe From Home Buyer, Or They Won’t Approve Buyer's Short Sale Offer

Our team processed a Ventura County Short Sale recently with a certain loan servicing company. The interesting part was that this loan servicer was hired by the investor, or owner of the loan to work on their behalf.
In other words, the loan servicer was to look out for the loan owner's best interest.

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

Processing and approving a short sale will usually avoid future losses on a mortgage. Boston Consulting Group recently did a study on the difference between a short sale and foreclosure.
They found that a short sale dramatically reduces future losses when compared to a foreclosure.

Here is a real life example: One lender rejected a 385k short sale offer. The home was foreclosed upon and put up for sale. It sold for $230,000. We estimate the owner of the loan, Fannie Mae, lost $182,000.

We have seen this happen over and over again with short sale offers. The loan servicers drag their feet on processing the short sale. The home is later foreclosed upon and sells for substantially less.
But, we had never seen a loan servicer work against their customer / client's best interest. Until we saw a short sale approval letter come across our desk.

The loan servicer was asking for a $2,500 fee to be paid to them. If it wasn't paid they wouldn't approve the short sale.

I was shocked. "Aren't you required to work in your client's best interest?", I asked them.
The woman at the loan servicer replied, "Well, we checked it out with our legal department and the said it is ok." I don't really understand what she meant by "ok."

This company is not working in their client's behalf. The loan servicer actually has a fiduciary duty to do what is best for the owner of the loan.

And putting a roadblock in the way of approving short sales isn't doing what is best for their client. So, what does this mean to you?

In my opinion, it gives you a strong basis for a lawsuit against that loan servicing company if your loan modification or short sale isn't approved because you won't pay their fees. 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.
Loan Mod vs Short Sale Click here.
Income Property Info Click here.

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

We 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.
To Read More: Click here.

One Lender That Is Fun To Work With On Ventura County Short Sales

Ventura County CA – We recently closed another short sale. This short sale lender was so much more fund to work with than most lenders. The loan was owned by Household Finance, which is a division of the international lender HSBC.

We were assigned a short sale negotiator about 30 days after we submitted the short sale application. The short sale negotiator responded to us quickly.

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

If we sent her an email, then we received a reply within a day or two. Contrast that with waiting for a week or more for a reply to an email with other lenders.

The short sale negotiators at the big national lenders often take a week or more to reply to an email or voicemail. Now, I am sure you are wondering why this is happening?

Why can't the big national banks do a better job on short sale? Here is what I think. I have noticed one big difference between the loans that the big US based banks have and the loans that HSBC has.
HSBC owns their loans. If they don't handle short sale negotiations properly and lose money as a result, then that affects their bottom line. HSBC stands to make or lose money as a result of their actions.

Contrast this with the large us based banks. One large national US bank does not own 80% of the loans they handle. Who cares if things are being handled properly?

It's no big deal when a short sale is denied and sells for 40k less a foreclosure. They aren't losing the money. Someone else is. The sad thing is that usually that person is Uncle Sam.

This is because Uncle Sam owns or insures about 65-70% of all the mortgages in America. Fannie Mae and Freddie Mac own about 55% of all US mortgages.

The rest are insured against loss thru FHA, USDA, and VA. If an FHA loan goes bad, then FHA takes the loss. Many experts are saying that FHA will need a bailout soon.

They estimate that FHA could lose up to 50 billion in coming years. This means people buying a home today will pay more for an FHA loan.

Uncle Sam may have to bail them out. The big national banks could do a better job ad short sales and other aspects of loss mitigations.

That would substantially reduce the losses on bad loans and help Uncle Sam avoid another bailout. 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

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,

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. 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.

Why Isn't Anyone Holding These People (The Bank's Valuation Departmants) Accountable On Ventura County Short Sales?

Ventura County CA – Are you thinking about short selling your home? Here is a way that any seller can help with the short sale. First off, the biggest problem is that there is very little accountability in the short sale industry.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
The banks use appraisers and other people to tell them what a house is worth before they sell it. They banks will not approve a short sale offer unless the house is selling for close to what these people tell them it is worth.

The bank's use this process to make sure that they are not selling homes for less than they could sell them for after a foreclosure. Here is why there is very little accountability.
Very few people ever look at the valuations turned into the bank. The realtor helping you with your short sale can't access this information. The valuations often have glaring inaccuracies in them.
For example one property was valued at 375k. Because of that valuation a short sale offer for 275k was turned down. We can agree that it would be stupid for a lender to accept 275k for a house worth 375k.

However, the house wasn't worth 375k. It had been on the open market for several months and that was the highest offer received from any home buyer. But, it gets worse.
The home ended up selling as a short sale for $235,000. Yes, that bank lost $40,000. But, why did it happen? Because someone gave the bank an inaccurate property value.
However, that person was never held accountable for their actions. They caused a bank to lose $40,000. But today they are still doing property valuations for banks. It's insane, isn't it?
In tomorrow's post we'll detail what you, the short sale seller, can do to help with this problem. 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

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,

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. 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.