Thank you for reaching out for help...
Chances are, you or someone you know in Ventura County is facing the possibility of foreclosure. Please understand that you are not alone. Today, 1 out of every 6 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Ventura County Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.
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Through our local Team's experience, recently handling over 2 dozen distressed properties at Keller Williams Realty, we've found that Ventura County homeowners today have more questions than answers about their circumstances. We have created this website to help YOU understand the possible solutions to foreclosure, as well as provide a detailed explanation of short sales, which may be the best course of action for some homeowners. Be aware that there are NEW Government Programs …Check Your Eligibility Now!
What's the purpose of HAFA? To help homeowners who are unable to keep their homes under the Home Affordable Modification Program, the HAFA program may make a short sale or a deed-in-lieu of foreclosure a viable option to help them avoid foreclosure. The HAFA Program, which took effect on April 5, 2010, provides servicer, seller and junior lien holder incentives for these transactions and is designed to simplify and streamline use of short sales and deeds-in-lieu of foreclosure. Read the HAFA Short Sales FACT SHEET.
Who is eligible for HAFA? The borrower must meet the basic eligibility criteria for HAMP:
• Principal residence.
• First lien originated before 2009.
• Mortgage delinquent or default is reasonably foreseeable.
• Unpaid principal balance no more than $729,750 (higher limits for 2 to 4 unit dwellings).
• Borrower’s total monthly payment exceeds 31% of gross income
Government forces are already moving to limit potential damage to millions now struggling with home loans. A new Obama administration short sale program aims to prevent banks that hold second-lien loans from pursuing collections from homeowners after the short sale. It went into effect April 5, 2010 and works this way: Sellers will receive notice that their servicer has steered part of the sales proceeds to secondary lien holders “in exchange for release and full satisfaction of their liens.” This release would apply only to short sales done through the administration’s Home Affordable Foreclosure Alternatives program.... Continued
Do You Know a Homeowner Facing Foreclosure?
Home Affordable Foreclosure Alternatives – Short Sale and
Deed-in-Lieu of Foreclosure Update (45 pages)
We specialize in assisting homeowners throughout Ventura County with evaluating their current and future needs as it relates to their real estate. Currently, we are working with clients that are completing short sales in Camarillo, short sale in Fillmore CA, short sales in Ventura, short sale in Oxnard, short sale in Newbury Park and short sales in Thousand Oaks. We have also provided services relating to a short sale in Ojai, Santa Paula, Simi Valley and Leisure Village. You can count on our EXPERIENCE to help guide you to your personal goals. Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier, quicker and more accessible through the Home Affordable Foreclosure Alternatives Program, or HAFA. The HAFA program is working directly with a large group of servicers including (but not limited to), Chase, Citi, Bank of America, Litton, Ocwen, Wachovia, and Wells Fargo to help as many homeowners as possible.
Because our team services all of Ventura County, we can help also local homeowners with a short sale in Fillmore, short sale in Piru, Moorpark short sale, Oak Park short sale, plus we are Port Hueneme short sale Realtors, Somis short sale Realtors and Westlake Village short sale Realtors. Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.
We care about YOU and want YOU to have the RESOURCES to make an informed decision, which may have an affect on your current and future life situation. Below is a list of informational material regarding short sales, foreclosures and the things you need to know. Feel free to download all of these pertinent documents directly from the RESOURCES tab:
As a TEAM of agents with the CDPE® Designation, we have a strong and unique appreciation of the factors affecting the market, and know that there are options available to you.
Learn why new HAFA short sale rules may help sellers. Delay foreclosure of your home. Learn About Making Home Affordable here.
Answers to questions about new federal mortgage relief (3/27/10)
If you would like to know more about your particular options, please call, text or email us today, as time is of the essence! We offer a complimentary consultation in the privacy of your home or our offices (Camarillo, Simi Valley & Westlake Village).
Your KELLER WILLIAMS REALTY Team VC Online is here to help YOU … in any way we can.
Barry Shapiro, SRES, CDPE ~ 805.405.0930
Richard de la Madrid, CDPE ~ 805.791.6123 Se habla espanol
Linda Weisberg, CDPE ~ 805.551.9163
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You are NOT alone... These are the current Short Sale Listings in Ventura County:
(Hold down the "Ctrl "Key and click the links below)
We are Short Sale and Foreclosure Realtors in Ventura County, including Camarillo 93010 & 93012, Short Sale REALTOR in Fillmore CA 93015, and offer Realtor advice pertaining to a Short Sale in Moorpark 93021. We are Newbury Park 93120 Short Sale Realtors, helping with Oak Park Short Sale advice and serving as Ojai Short Sale Realtors. If you are looking for an Oxnard Short Sale Realtor our team can assist you in reaching your goals. Whether you seek a Short Sale Realtor Piru, Short Sale Realtor Port Hueneme or Short Sale in Santa Paula, we are Realtor Specialists. Simi Valley Short Sale Realtors 93063 & 93065 that are Short Sale experts in Somis, Thousand Oaks, Ventura and Short Sale Realtors for Westlake Village 91362.