Bankruptcy and Foreclosure How it could help save your home   Many people are facing foreclosure of their homes.  Most often, this is due to the simple fact that a homeowner cannot afford to make payments due to a loss of job or some other decrease of income.   California law already provides significant protections to homeowners, including a mandatory 90-day workout period, a minimum 90-day grace period under a "Notice of Default," and then a required 20-day warning under a "Notice of Trustee's Sale."   Bankruptcy could help in two ways.  First, it is the option that automatically halts a foreclosure proceeding.  Under 11 USC section 363, any action to collect a debt is stayed under bankruptcy law upon the filing of a petition.  This also applies to foreclosure actions.   Second, in some circumstances, a Chapter 13 bankruptcy could help a homeowner get additional time to pay off a delinquency in his mortgage, while remaining current on future payments as they come due.   Too often, I've seen homeowners who do not know their legal rights or the options available to them.  If you, or someone you know, are facing foreclosure, please seek competent legal advice.  Any good attorney will offer a free initial consultation. Also a good Realtor can short sale the property while you're in Bankruptcy. Working with the attorney, and under Bankruptcy protection. It Can Be Done... ------------------------------------------------------------------------- In California, the counties at the maximum level for FHA loans are Alameda, Contra Costa, Los Angeles, Marin, Monterey, Napa, Orange, San Benito, San Francisco, San Mateo, Santa Barbara, Santa Clara, Santa Cruz and Ventura.  If you've been thinking about jumping into our real estate market here in Ventura county, it might be a good time!  Ventura County prices are down, rates are historically low, and sellers are negoitiating!   Ventura Real Estate Homes For Sale in Ventura Ventura Camarillo Oxnard Area Homes For Sale With Maps / Pictures Real Estate and Homes For Sale in the Ventura Oxnard Camarillo Area. With Maps And Pictures of Ventura County, California. Ventura real estate services include seller services of houses, condominiums condos, and ... or lots property for sale. Ventura real estate mls listings services are available for! Ventura, Saticoy, Montalvo, Casitas Springs, La Conchita, and surrounding areas, Real Estate for California homes and houses for sale to buy or sell in Ventura County lots, land, condos/townhomes and resort properties. ... Find and buy Ventura Homes and Houses for sale as real estate in Ventura County, California ... home for sale, house for sale, real estate for sale in Ventura, Saticoy ...

REMAX is the leading Real Estate Brokerage in west Ventura County. Our outstanding sales associates have a consistent record of achievement that assures their clients that they have the necessary credentials and expertise to accomplish their goals. Planning to Relocate Soon? REMAX has the strongest and most effective relocation system in the world. With over 4,800 offices in 50 countries, REMAX can find your next dream home in any possible location. At REMAX, we want to be your real estate brokerage for life no matter where the wind takes you. Home » Residential Averaging more production and more advanced industry education than other agents, REMAX Associates are truly The Real Estate Leaders® in quality customer service. What is a Realtor®? Not every agent is a Realtor. Only an active member of the National Association of Realtors can call him or herself a Realtor. NAR's membership of 1 million is composed of residential and commercial brokers, sales agents, property managers, appraisers, counselors, and others engaged in the profession. Every Realtor belongs to one or more of about 1,700 local associations and boards and 54 state and territory associations. The Realtor you hire adheres to a strict code of ethics and professionalism while protecting and promoting ownership of property.

REALTOR® - A registered collective membership mark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION OF REALTORS® and subscribes to its strict Code of Ethics. Craig Sprague 805-794-8357

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