Chris B Johnson Realtor, Stop Foreclosure!
Mortgage troubles? I can help ...

Chris B Johnson
(805) 208-0823

• Home
• Foreclosure Solutions
• Short Sales Explained
• Resources
• Blog
• FAQ
• Contact Us

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+.

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.  

Ventura Short Sales: How To Avoid Any Surprises When Selling A Short Sale

[caption id="attachment_1235" align="alignright" width="288" caption="What? I Didn't Know We Had To Pay That Fee?!!"][/caption]

Moorpark CA – Many agents and buyers are scared of short sales. Here is something that I do to make the short sale process easier for the home seller.
Before I start negotiations with your lender, I will order a complete title search. Here is why I do that. I want to know all the costs upfront, before I give the bank a number.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
If I don't do this, then the short sale lender will approve the short sale at a certain price. We can get to the closing table and discover there are unforeseen costs.
Then we have to go back and re-negotiate with the short sale lender. This can be tough because they already have a higher number in mind.
Sometimes you have to start the short sale negotiations all over again. That can delay the short sale by 2-3 months, if not longer.
This trips up many agents and causes them to bad mouth short sales. Extra costs can show up in the form of higher than expected Homeowner's Association Dues, Property Taxes, and other costs.
The title company will do a complete title search. They will get an estimated payoff from the Homeowner's Association, and estimate the payoff for the taxes.
Since I take this pre-caution I have found short sales to be easy and fun. Before you hire a short sale agent, ask them about the short sale process. If they don't mention this step, then find another short sale agent.
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 Specialist View My homes for sale at www.ChrisBJohnsonRealtor.com.
Chris Johnson specializes in loan modification assistance and short sales in Ventura County California. Ventura County Loan Modification Help, Ventura County short sales. Ventura County Short Sale Realtor Moorpark CA Short Sales. Moorpark Realtor. Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved. Important Notice
Chris B Johnson, 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 Moorpark Short Sales: How To Avoid Any Surprises When Selling A Short Sale is provided as a courtesy to our viewers to help them make informed decisions.





http://venturacountyshortsalespecialist.com/?p=1604

Another Ventura County Foreclosure Misconception: I Can't Short Sell Because The Bank Already Foreclosed On My Home

Ventura County CA – Many homeowners do not understand the foreclosure process and how it works. A recent story I heard illustrates this.
A homeowner's lender told them that a foreclosure auction date had been scheduled for their home and that they should move out. The homeowners moved out a few weeks later.

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

Three years later they notified of a lawsuit against them. Someone had tripped on their sidewalk and hurt themselves. They were suing the homeowner because they were still the owner of the home.

"You can't sue me! I don't even own that home anymore", the homeowners told them. They did some research and found out that they were still the owner of the home.

It turns out that for whatever reason the foreclosure auction on their home had been canceled. Now, three years later they still own the home and are being sued as a result! Did the person at the bank lie to them? No one knows for sure.

The lesson of this story is that you should check the court records before moving out of your house or deciding that a short sale is not for you. Most short sale agents understand how to look up these records.

They can tell you about the foreclosure case and whether or not you have enough time to attempt a short sale. The other lesson is that you should never move out of your house until after the foreclosure auction has been completed.

Most banks will even give you cash to move out after the foreclosure has completed. They know that an eviction is expensive and can take a long time.

They know that giving someone $1,500 to move out is less expensive than paying $800 to file an eviction and waiting 2-3 months for an eviction to be approved. 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.
To Read More: Click here.
Income Property Info Click here.

How Much Does It Cost To Short Sell My Ventura County Home?

Moorpark CA – A short sale is a good way to stop worrying about the paying a mortgage you can no longer afford because of a financial hardship.

Before you begin with a short sale you might want to understand the how the process works, the legal requirements, and how much it will cost you to short sell.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
The simple and plain answer to this is that a short sale shouldn’t cost you anything. If it does, then it should be very little. In most cases, there are no costs or fees required for a short sale.
Most of the costs associated with the procedure of a short sale include the realtors, title costs, transfer taxes, and attorney fees. Your lender should understand that you can't afford to pay for these costs.
That is why most lenders will pay any costs involved in the sale on your behalf. You might be wondering why your lender would be willing to pay all the expenses. Here is why.
If the reason for your short sale is that you can no longer afford the mortgage payments, then this means that your lender is already preparing to start foreclosure proceedings.
They know that they will have to sell your home after a potential foreclosure. Because of this, lenders encourage short sales. They want to avoid a foreclosure if possible.
A foreclosure is very expensive for the lender. They have to pay all the foreclosure costs, including legal fees, taxes, insurance payments , court costs, etc.
They have to pay to maintain a vacant foreclosed home, pay a realtor to sell the house, and then sell it for below market value. They view a short sale as a less expensive alternative.
This is why they are willing to pay all of the costs associated with a short sale. 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.
To Read More: Click here.
Income Property Info Click here.

The Fifth Common Ventura County Short Sale Misconception: The Property Cannot Already Be In Foreclosure

Ventura County CA – As you can see some of the so called short sale experts online don't know a lick about short sales. This article was on a finance site.
But, there were almost 300 comments, many from homeowners who were considering a short sale. Now, I don't pretend to know everything about short sales.

But, I do know that you can short sale your home even if it is in foreclosure. How do I know this? Because I've helped homeowners short sell their home. Guess what?

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

Their home was in foreclosure before we started the short sale process. Some people have even short sold their home after it had been foreclosed upon.

Now, I'm sure you are thinking, "But, that can't be possible. The homeowner doesn't even own the home anymore. They don't have the right to sell it!"

This can be done in a state where the homeowner has the "right of redemption." For example in Alabama, a homeowner has 12 months after foreclosure to "repay the balance due and keep their home."

The sad reality is that this rarely happens. In today's world credit is such an important part of getting a loan. If your house has just been foreclosed upon, then you will find it very difficult to get a loan to buy your house back from the bank.

But, these people can short sale their home during the 12 month "right of redemption" period. I know other realtors who work in "right of redemption" states.

They do short sales during the right of redemption process. The banks handle it like any other short sale. 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.
To Read More: Click here.
Income Property Info Click here.

Are Ventura County Short Sales Really That Difficult?

Ventura County CA – Remember the first time you drove a car? Was it easy? No, it wasn't.

The first time we drive we have both hands on the wheel and are looking in every direction. We are focused on the road ahead to make sure we don't have an accident.

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

After we have been driving for a while we start to relax. "Driving isn't so hard after all", we think to ourselves. After a little practice some people are eating, steering with their knees, and even putting on makeup in the car.

Most of us would agree that driving is actually pretty easy once you have some practice. The same thing applies to short sales. They are very difficult and frustrating when you first start out.

However, once you have some experience short sales become easy. "I remember when this happened to me on my last short sale. I did X and it produced Y result", you say to yourself.

So, you do X on this short sale and the short sale succeeds. Pretty soon short sales are just like driving. You know what you are doing and most short sales are easy.

You will know what is happening when you hear someone say, "Short sales are impossible. You shouldn't short sale your home because they never get approved."

That person probably doesn't have much experience with short sales and are frustrated as a result. 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.
To Read More: Click here.
Income Property Info Click here.

Ventura County Short Sales: What To Do When A Short Sale Negotiator Gets An Attitude

Ventura County CA – Most short sale negotiators are professional. They understand the seriousness of their jobs. They work hard to educate themselves on the industry and market trends.

They are friendly and fun to work with. This is one of the things I like about selling short sales for a living. The downside is that every once in a while a negotiator will get an attitude.



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

For whatever reason they have decided to go on a power trip. They start asking for unnecessary paperwork. Or, they nitpick the paperwork you send to them.

Most agents just kowtow to the negotiator. They think that the negotiator has all of the power. I have found that isn't true. The negotiator has very limited power.

After all, they don't own the bank. They aren't the one who will be losing money on the loan. The fact is most banks lose a substantial amount of money when they turn down a short sale.

As an example, a bank turned down a $190,000 offer on a short sale. The property sold about 18 months later. But, this time it didn't sell for $190,000. It sold for $165,000.

Not only did that bank lose $25,000 on the sales price. They also paid the property taxes and insurance for that amount of time. In addition, they were unable to lend that money and earn interest.
I estimate they lost an additional $15,000 when you factor in the interest. That's a $40,000 loss. When a short sale negotiator gets an attitude I simply remind them of this.

And I tell them I will be holding them accountable if they turn down the short sale and the bank loses more money as a result. Needless to say, they lose the attitude. 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.
To Read More: Click here.