Understanding Deficiency Clauses
September 30, 2010
Recently a seller let an approved short sale go to foreclosure over a deficiency clause. This is a situation where everybody loses, the seller, the buyer, their agents, the servicers and the lenders all who spend their time and money to negotiate the approval. All wasted over two little sentences.
“BAC Home Loans Servicing, LP and/or its investors may pursue a deficiency judgment for the difference in the payment received and the total balance due, unless agreed otherwise or prohibited by law, if the short sale closes on the loan referenced above. In addition, if this loan is covered by mortgage insurance, the mortgage insurance company may reserve the right to pursue the seller for the deficiency based on the terms of the mortgage insurance policy.”
Initially the servicer, Bank of America, claimed that if there was Mortgage Insurance (MI) or a second lien on a file they couldn’t remove a deficiency clause. However, there was no MI on the loan and the second lien holder was a different lender who had already accepted the terms of approval. The seller consulted an attorney who advised him that unless the deficiency clause was removed from the approval, that he should go ahead and let the property foreclose. This would protect the seller from owing the deficiency since California is a nonrecourse state. Hoping to salvage the deal, the seller offered to pay a promissory note in lieu of the deficiency clause. This should have been a reasonable offer to Bank of America considering that according to an article by Jason Opland on Aug. 17, 2010
Bank of America’s previous Senior Vice President of Credit Loss and Loss Mitigation, Mr. Jack Schakett, stated that if a borrower proves he can no longer pay the mortgage and has a few or no assets, Bank of America will waive it’s right to a deficiency judgment during the processing of the short sale deal. But, if a borrower can afford to pay or has assets, the bank will try to negotiate a set fee for the borrower to pay at closing. “We want to help customers who legitimately can’t afford to make payments, but we don’t want the one’s who have a bunch of money to just be able to walk away. These individuals will have to share some of our loss.” Mr. Schakett acknowledged that short sales in which the bank agrees to accept less for the home than the balance of the loan are less expensive to process than foreclosures, and thus they want to encourage more homeowners to pursue this course by making it clear they do not intend to pursue homeowners for deficiency judgments.
However Bank of America didn’t get to make that decision because Freddie Mac who held the note would not allow it. The negotiator responded saying the investor would not accept the promissory note and refused to remove the deficiency clause. They pointed out that the approval letter states the deficiency clause can be enforced “unless agreed otherwise or prohibited by law” and that California won’t allow it. This isn’t entirely true. The current statutes prohibiting deficiency judgments only pertain to foreclosures, not short sales. SB 931 which would prevent deficiencies on short sales, has not been signed into law by the governor. He has until September 30, 2010 to do so. Even then, we don’t know when the law will take effect, likely after January 1, 2011. This means if the seller had completed the short sale with the deficiency clause intact he would’ve been at risk of Bank of America coming after him for the deficiency until the statute of limitations had passed (about four years). Based on this information the seller decided to follow the advice of his attorney and let the property foreclose and be protected from the lender pursuing the deficiency judgment.
Posted via email from www.Homes-In-Stockton.com Posterous
Sellers Waiting in the Wings Could Pose A Problem
July 30, 2010
There are many homeowners who would like to sell but aren’t financially required to do so. Many of these people are waiting in the wings for the opportune moment to jump back into the housing market. In fact, Zillow.com reported about 7% of homeowners surveyed said they were very likely to put their home on the market this year if they believed the housing market was improving. In addition to this already existing group, the number of homes with equity has grown this year, from 52% last year to 63% this May. This could pose a problem since many of these sellers will have unrealistic views about how much their homes are worth which in turn could influence the housing market.
Posted via email from www.Homes-In-Stockton.com Posterous
Short Sale Agent Closes Manteca Short Sales!
July 8, 2010
Pat Holkesvig is a top producing short sale listing agent. She successfully negotiates Manteca short sales and understands the Manteca short sale process inside and out. She can explain the short sale process from missing payments, to receiving a Notice of Default to notification of an auction. Her short sale services are cost-free to Manteca sellers. If you would like to discuss the possibility of Pat listing your Manteca home for short sale or schedule an appointment to view any of the following Manteca short sales please complete our Contact Form. Click here to search all the homes for sale in Manteca!
| 1781 Bella Terra Dr Manteca, CA 95337-8238 | $ 404,900 | Active Short Sale |
| 748 Mission Ridge Dr Manteca, CA 95337-6888 | $ 360,000 | Active Short Sale |
| 1168 Livorno Ct Manteca, CA 95337-8441 | $ 359,900 | Active Short Sale Cont. |
| 2084 Plumeria Ln Manteca, CA 95337-7947 | $ 345,000 | Active Short Sale Cont. |
| 573 Foxfire Dr Manteca, CA 95337-6606 | $ 325,000 | Active Short Sale Cont. |
| 1780 Huerto Pl Manteca, CA 95337-8783 | $ 315,900 | Active Short Sale Cont. |
| 2076 Wisteria Pl Manteca, CA 95337-7953 | $ 300,000 | Active Short Sale |
| 2076 Wisteria Pl Manteca, CA 95337-7953 | $ 300,000 | Active Short Sale |
| 548 Micheletos Way Manteca, CA 95336-8539 | $ 299,900 | Active Short Sale Cont. |
| 274 Generations Ct Manteca, CA 95337-8993 | $ 295,000 | Active Short Sale |
| 2245 Silverlace Pl Manteca, CA 95337-7943 | $ 281,000 | Active Short Sale Cont. |
| 2455 Capri Ct Manteca, CA 95337-8235 | $ 280,000 | Active Short Sale |
| 6850 E Lathrop Rd Manteca, CA 95336-9533 | $ 279,900 | Active Short Sale Cont. |
| 2483 Shadow Berry Dr Manteca, CA 95336-5132 | $ 279,000 | Active Short Sale Cont. |
| 1257 Laurel Park Cir Manteca, CA 95337-8322 | $ 279,000 | Active Short Sale |
| 855 Marigold Ln Manteca, CA 95336-8672 | $ 279,000 | Active Short Sale Cont. |
| 10570 Normandy Rd Manteca, CA 95336-9514 | $ 275,000 | Active Short Sale |
| 1986 Inderbitzin Way Manteca, CA 95336-8548 | $ 275,000 | Active Short Sale Cont. |
| 2396 Milano St Manteca, CA 95337-8234 | $ 269,900 | Active Short Sale Cont. |
| 1176 Fishback Rd Manteca, CA 95337-8251 | $ 260,000 | Active Short Sale |
| 382 Pestana Ave Manteca, CA 96336 | $ 260,000 | Active Short Sale Cont. |
| 582 Heartland Dr Manteca, CA 95337-8958 | $ 260,000 | Active Short Sale |
| 1097 Brenda Lee Dr Manteca, CA 95337-7939 | $ 259,000 | Active Short Sale Cont. |
| 2023 Derrick Ave Manteca, CA 95337-7936 | $ 252,500 | Active Short Sale |
| 621 Chatsworth Ct Manteca, CA 95336-7702 | $ 250,000 | Active Short Sale |
| 1340 Primavera Ave Manteca, CA 95336-6448 | $ 250,000 | Active Short Sale |
| 861 Mount Vernon Pl Manteca, CA 95336-3785 | $ 249,999 | Active Short Sale Cont. |
| 787 Tiger Lily Ct Manteca, CA 95337-8705 | $ 249,000 | Active Short Sale |
| 451 Vasconcellos Ave Manteca, CA 95336-8659 | $ 249,000 | Active Short Sale |
| 2258 Fountain Square Ave Manteca, CA 95337-8996 | $ 235,000 | Active Short Sale |
| 1677 Hastings Dr Manteca, CA 95336-7014 | $ 230,000 | Active Short Sale Cont. |
| 1080 W Alameda St Manteca, CA 95336-3583 | $ 230,000 | Active Short Sale |
| 1708 Buena Vista Dr Manteca, CA 95337-8610 | $ 230,000 | Active Short Sale Cont. |
| 2076 Plumeria Ln Manteca, CA 95337-7947 | $ 230,000 | Active Short Sale Cont. |
| 1096 Fishback Rd Manteca, CA 95337-8250 | $ 230,000 | Active Short Sale |
| 2044 Buena Vista Dr Manteca, CA 95337-8966 | $ 225,000 | Active Short Sale Cont. |
| 1937 Sparrowhawk St Manteca, CA 95337-7914 | $ 225,000 | Active Short Sale |
| 1627 Goldpoppy St Manteca, CA 95337-7921 | $ 220,000 | Active Short Sale Cont. |
| 1790 Dalia Pl Manteca, CA 95337-8786 | $ 220,000 | Active Short Sale Cont. |
| 1519 Calaveras Ct Manteca, CA 95336-8531 | $ 220,000 | Active Short Sale |
| 2069 Masterpiece Ct Manteca, CA 95336-7074 | $ 220,000 | Active Short Sale Cont. |
| 1683 Gathering Ln Manteca, CA 95337-8724 | $ 220,000 | Active Short Sale |
| 1968 Castillo Way Manteca, CA 95337-8304 | $ 219,900 | Active Short Sale Cont. |
| 1730 Wellington Ave Manteca, CA 95337-8567 | $ 217,000 | Active Short Sale Cont. |
| 1180 Merganser Pl Manteca, CA 95337-6041 | $ 215,000 | Active Short Sale Cont. |
| 1749 Bandoni Ln Manteca, CA 95337-8776 | $ 215,000 | Active Short Sale |
| 1969 Fountain Square Ave Manteca, CA 95337-8413 | $ 215,000 | Active Short Sale Cont. |
| 1801 Goldpoppy St Manteca, CA 95337-7923 | $ 215,000 | Active Short Sale |
| 1856 Bergthold St Manteca, CA 95336-7006 | $ 210,000 | Active Short Sale Cont. |
| 1859 Piedmont Dr Manteca, CA 95336-6461 | $ 210,000 | Active Short Sale Cont. |
| 1312 Gianna Ln Manteca, CA 95336-6454 | $ 210,000 | Active Short Sale Cont. |
| 1847 Crom St Manteca, CA 95337-6503 | $ 208,000 | Active Short Sale |
| 1573 Hometown Ln Manteca, CA 95337-8646 | $ 205,950 | Active Short Sale Cont. |
| 1585 Swallow Tail Ln Manteca, CA 95337-8581 | $ 205,500 | Active Short Sale Cont. |
| 2004 Masterpiece St Manteca, CA 95336-7073 | $ 205,000 | Active Short Sale Cont. |
| 1688 Komenich Dr Manteca, CA 95336-7023 | $ 202,500 | Active Short Sale |
| 1536 Northgate Dr Manteca, CA 95336-6247 | $ 200,100 | Active Short Sale Cont. |
| 1479 Swallow Tail Ln Manteca, CA 95337-8585 | $ 200,000 | Active Short Sale |
| 1723 Wellesley Ln Manteca, CA 95337-8576 | $ 200,000 | Active Short Sale Cont. |
| 1479 Swallow Tail Ln Manteca, CA 95337-8585 | $ 200,000 | Active Short Sale |
| 1723 Wellesley Ln Manteca, CA 95337-8576 | $ 200,000 | Active Short Sale Cont. |
| 419 Pestana Ave Manteca, CA 95336-8534 | $ 199,900 | Active Short Sale Cont. |
| 948 Valais Ln Manteca, CA 95337-6684 | $ 199,000 | Active Short Sale Cont. |
| 1734 Image Dr Manteca, CA 95337-8722 | $ 199,000 | Active Short Sale |
| 2487 Bellchase Dr Manteca, CA 95336-5108 | $ 195,000 | Active Short Sale |
| 1063 Winters Dr Manteca, CA 95337-9657 | $ 195,000 | Active Short Sale Cont. |
| 1098 Miel St Manteca, CA 95337-8769 | $ 195,000 | Active Short Sale |
| 1936 Hyde Park Ln Manteca, CA 95336-7033 | $ 195,000 | Active Short Sale |
| 1726 Nicol Way Manteca, CA 95336-2993 | $ 195,000 | Active Short Sale |
| 706 Tahoe St Manteca, CA 95337-6852 | $ 194,000 | Active Short Sale Cont. |
| 2237 Veranda Way Manteca, CA 95337-8701 | $ 192,000 | Active Short Sale |
| 821 Monte Rosa Ln Manteca, CA 95337-6690 | $ 190,900 | Active Short Sale Cont. |
| 719 Vasconcellos Ave Manteca, CA 95336-8547 | $ 190,000 | Active Short Sale Cont. |
| 1854 Holly Oak Ct Manteca, CA 95336-9149 | $ 190,000 | Active Short Sale Cont. |
| 861 Ann Marie Dr Manteca, CA 95337-8584 | $ 189,900 | Active Short Sale Cont. |
| 2078 Hyde Park Pl Manteca, CA 95336-7032 | $ 189,900 | Active Short Sale Cont. |
| 1184 Fishback Rd Manteca, CA 95337-8251 | $ 189,900 | Active Short Sale Cont. |
| 1956 Castillo Way Manteca, CA 95337-8304 | $ 189,000 | Active Short Sale Cont. |
| 17849 S Austin Rd Manteca, CA 95336-8404 | $ 189,000 | Active Short Sale Cont. |
| 389 Pestana Ave Manteca, CA 95336-8535 | $ 189,000 | Active Short Sale |
| 1112 Norman Dr Manteca, CA 95336-5955 | $ 189,000 | Active Short Sale Cont. |
| 2021 Masterpiece St Manteca, CA 95336-7073 | $ 189,000 | Active Short Sale Cont. |
| 1599 Wickford Way Manteca, CA 95336-7037 | $ 189,000 | Active Short Sale Cont. |
| 1173 Meadowbrook Ct Manteca, CA 95336-3586 | $ 189,000 | Active Short Sale |
| 1307 Gianna Ln Manteca, CA 95336-6454 | $ 185,000 | Active Short Sale |
| 370 Teresa Pl Manteca, CA 95337-9624 | $ 182,600 | Active Short Sale |
| 950 Norman Dr Manteca, CA 95336-5953 | $ 180,000 | Active Short Sale |
| 1641 Blush St Manteca, CA 95336-9238 | $ 180,000 | Active Short Sale Cont. |
| 1997 Crom St Manteca, CA 95337-6504 | $ 180,000 | Active Short Sale |
| 2751 Tapestry St Manteca, CA 95337-8726 | $ 180,000 | Active Short Sale |
| 2760 Cobbler St Manteca, CA 95337-8723 | $ 180,000 | Active Short Sale |
| 1207 Stonum Ln Manteca, CA 95337-6747 | $ 179,999 | Active Short Sale Cont. |
| 1003 Winters Dr Manteca, CA 95337-9655 | $ 177,900 | Active Short Sale Cont. |
| 1650 Solaro Way Manteca, CA 95336-2988 | $ 175,000 | Active Short Sale Cont. |
| 909 Grafton St Manteca, CA 95337-8573 | $ 175,000 | Active Short Sale |
| 1183 Syracuse Ln Manteca, CA 95336-2990 | $ 175,000 | Active Short Sale Cont. |
| 6104 Chickasaw Ct Manteca, CA 95336-2557 | $ 170,000 | Active Short Sale Cont. |
| 1618 Blush St Manteca, CA 95336-9238 | $ 170,000 | Active Short Sale |
| 1725 Savory Dr Manteca, CA 95337-6697 | $ 170,000 | Active Short Sale |
| 1145 Pestana Ave Manteca, CA 95336-9155 | $ 169,000 | Active Short Sale Cont. |
| 903 Nordic Pl Manteca, CA 95336-3784 | $ 168,500 | Active Short Sale |
| 6158 Chickasaw Ct Manteca, CA 95336-2557 | $ 166,500 | Active Short Sale |
| 754 Mission Ridge Dr Manteca, CA 95337-6888 | $ 165,000 | Active Short Sale |
| 462 Chablis Way Manteca, CA 95337-6820 | $ 165,000 | Active Short Sale Cont. |
| 1017 Lambdin St Manteca, CA 95336-5948 | $ 165,000 | Active Short Sale Cont. |
| 1165 Silvertrail Ln Manteca, CA 95336-3012 | $ 165,000 | Active Short Sale Cont. |
| 1426 Trellis St Manteca, CA 95336-9192 | $ 164,950 | Active Short Sale Cont. |
| 1088 Foxfire Dr Manteca, CA 95337-6695 | $ 164,900 | Active Short Sale |
| 10053 E Louise Ave Manteca, CA 95336-9165 | $ 162,000 | Active Short Sale Cont. |
| 1044 E Edison St Manteca, CA 95336-3808 | $ 160,000 | Active Short Sale Cont. |
| 851 Canyon Ct Manteca, CA 95336-3580 | $ 160,000 | Active Short Sale Cont. |
| 1021 Parkside Ave Manteca, CA 95336-3420 | $ 159,000 | Active Short Sale |
| 1233 Yorkshire Way Manteca, CA 95336-2912 | $ 155,000 | Active Short Sale |
| 1460 Intrigue Ln Manteca, CA 95337-8444 | $ 155,000 | Active Short Sale |
| 1074 Derby Ct Manteca, CA 95336-6329 | $ 155,000 | Active Short Sale Cont. |
| 944 S Willow Ave Manteca, CA 95337-5560 | $ 153,500 | Active Short Sale Cont. |
| 1440 Catamaran Ct Manteca, CA 95337-6702 | $ 150,000 | Active Short Sale |
| 874 E Alameda St Manteca, CA 95336-4029 | $ 150,000 | Active Short Sale |
| 1970 London Ave Manteca, CA 95336-7016 | $ 150,000 | Active Short Sale Cont. |
| 1133 Topaz Dr Manteca, CA 95336-3535 | $ 150,000 | Active Short Sale |
| 1440 Catamaran Ct Manteca, CA 95337-6702 | $ 150,000 | Active Short Sale |
| 874 E Alameda St Manteca, CA 95336-4029 | $ 150,000 | Active Short Sale |
| 1970 London Ave Manteca, CA 95336-7016 | $ 150,000 | Active Short Sale Cont. |
| 1133 Topaz Dr Manteca, CA 95336-3535 | $ 150,000 | Active Short Sale |
| 370 Enrico Ln Manteca, CA 95337-9617 | $ 149,950 | Active Short Sale Cont. |
| 700 Garnet Pl Manteca, CA 95336-3548 | $ 149,900 | Active Short Sale Cont. |
| 1471 Quincy Ave Manteca, CA 95336-6437 | $ 149,900 | Active Short Sale |
| 436 Victory Ave Manteca, CA 95336-4446 | $ 149,000 | Active Short Sale Cont. |
| 5910 Mohican Dr Manteca, CA 95336-2515 | $ 149,000 | Active Short Sale |
| 669 Garden Gate Dr Manteca, CA 95336-3719 | $ 148,000 | Active Short Sale |
| 421 Pioneer Ave Manteca, CA 95336-4453 | $ 147,500 | Active Short Sale Cont. |
| 730 W Alameda St Manteca, CA 95336-4404 | $ 146,900 | Active Short Sale Cont. |
| 1074 N Wembley Way Manteca, CA 95336-6334 | $ 145,000 | Active Short Sale |
| 116 Wawona St Manteca, CA 95337-5642 | $ 145,000 | Active Short Sale |
| 424 Dan St Manteca, CA 95336-3708 | $ 145,000 | Active Short Sale Cont. |
| 534 Mikesell Ave Manteca, CA 95336-5818 | $ 145,000 | Active Short Sale |
| 524 Curry Ct Manteca, CA 95337-5301 | $ 140,000 | Active Short Sale |
| 286 Laurelwood Cir Manteca, CA 95336-7118 | $ 140,000 | Active Short Sale |
| 1227 Kelley Dr Manteca, CA 95336-6928 | $ 140,000 | Active Short Sale Cont. |
| 488 Tioga Way Manteca, CA 95337-5331 | $ 140,000 | Active Short Sale |
| 14422 Arapaho Way Manteca, CA 95336-2565 | $ 139,900 | Active Short Sale Cont. |
| 1273 Ivy Way Manteca, CA 95336-6208 | $ 139,900 | Active Short Sale |
| 881 Garden Gate Dr Manteca, CA 95336-3720 | $ 139,000 | Active Short Sale |
| 435 N Fremont St Manteca, CA 95336-3945 | $ 139,000 | Active Short Sale Cont. |
| 469 Seville Way Manteca, CA 95336-2619 | $ 138,000 | Active Short Sale Cont. |
| 1112 Virginia St Manteca, CA 95337-5256 | $ 137,000 | Active Short Sale Cont. |
| 1239 Empire Ave Manteca, CA 95336-9187 | $ 135,000 | Active Short Sale Cont. |
| 356 N Sheridan Ave Manteca, CA 95336-4019 | $ 135,000 | Active Short Sale Cont. |
| 379 Alicante Ct Manteca, CA 95337-6882 | $ 134,999 | Active Short Sale Cont. |
| 838 Saratoga St Manteca, CA 95336-3340 | $ 134,900 | Active Short Sale Cont. |
| 6204 Yuma Way Manteca, CA 95336-2548 | $ 134,900 | Active Short Sale Cont. |
| 1065 Coral Ct Manteca, CA 95336 | $ 134,900 | Active Short Sale |
| 889 La Mesa Way Manteca, CA 95336-3323 | $ 129,900 | Active Short Sale Cont. |
| 1568 Linden Way Manteca, CA 95336-6420 | $ 129,340 | Active Short Sale |
| 863 Edythe St Manteca, CA 95337-5350 | $ 129,000 | Active Short Sale |
| 279 Diane Ct Manteca, CA 95336-3163 | $ 129,000 | Active Short Sale Cont. |
| 1697 Silverwood Ave Manteca, CA 95336-2826 | $ 126,000 | Active Short Sale |
| 1141 Marion St Manteca, CA 95337-5258 | $ 125,900 | Active Short Sale |
| 226 Mylnar Ave Manteca, CA 95336-4911 | $ 125,000 | Active Short Sale Cont. |
| 654 Gold St Manteca, CA 95336-3439 | $ 125,000 | Active Short Sale |
| 505 El Capitan Ave Manteca, CA 95337-5308 | $ 125,000 | Active Short Sale Cont. |
| 1251 Huntington Pl Manteca, CA 95336-2981 | $ 124,900 | Active Short Sale Cont. |
| 1467 Timber Ln Manteca, CA 95336-3034 | $ 124,900 | Active Short Sale Cont. |
| 665 Acacia Ave Manteca, CA 95336-3641 | $ 124,900 | Active Short Sale Cont. |
| 1379 Linden Way Manteca, CA 95336-2976 | $ 123,600 | Active Short Sale Cont. |
| 2189 Debutant Manteca, CA 95336-9571 | $ 122,200 | Active Short Sale |
| 1539 Malvick Ct Manteca, CA 95336-6901 | $ 120,000 | Active Short Sale Cont. |
| 828 Alpine Ave Manteca, CA 95336-3820 | $ 119,999 | Active Short Sale |
| 241 Dovewood Dr Manteca, CA 95336-2635 | $ 118,900 | Active Short Sale Cont. |
| 1807 Olivewood Ave Manteca, CA 95336-2823 | $ 118,500 | Active Short Sale Cont. |
| 410 Diane Dr Manteca, CA 95336-3103 | $ 115,000 | Active Short Sale Cont. |
| 1102 Yvonne Ave Manteca, CA 95336-3455 | $ 115,000 | Active Short Sale |
| 5740 Comanche Dr Manteca, CA 95336-2505 | $ 112,000 | Active Short Sale Cont. |
| 501 Michigan Ave Manteca, CA 95337-5460 | $ 105,000 | Active Short Sale Cont. |
| 735 Camino Ct Manteca, CA 95336-3311 | $ 105,000 | Active Short Sale |
| 2818 W Yosemite Ave Manteca, CA 95337-8337 | $ 105,000 | Active Short Sale Cont. |
| 1002 Trinity St Manteca, CA 95336-5924 | $ 100,000 | Active Short Sale |
| 414 Golf Cir Manteca, CA 95337-6520 | $ 100,000 | Active Short Sale Cont. |
| 601 Diane Dr Manteca, CA 95336-3104 | $ 97,490 | Active Short Sale |
| 2862 W Yosemite Ave Manteca, CA 95337-8337 | $ 87,000 | Active Short Sale |
| 530 S Veach Ave Manteca, CA 95337 | $ 85,000 | Active Short Sale Cont. |
| 413 Golf Cir Manteca, CA 95337-6508 | $ 80,000 | Active Short Sale Cont. |
| 411 Stockton St Manteca, CA 95337-5554 | $ 53,500 | Active Short Sale Cont. |
Manteca Homes for Sale & Manteca Real Estate, 1947 Hastings Dr Manteca CA 95336
June 21, 2010
For information on this and all the Manteca homes for sale visit www.Homes-In-Stockton.com! Cute home located in Manteca. Low Maintenance yards. Fireplace in Living Room. Kitchen with tile counters and floors and island. Inside Laundry room with cabinets. Brought to you by Pat Holkesvig and Your Home Team. Manteca’s #1 listing
Manteca Short Sale Specialist!
June 20, 2010
Pat Holkesvig is a top producing short sale listing agent. She successfully negotiates Manteca short sales and understands the Manteca short sale process inside and out. She can explain the short sale process from missing payments, to receiving a Notice of Default to notification of an auction. Her short sale services are cost-free to Manteca sellers. If you would like to discuss the possibility of Pat listing your Manteca home for short sale or schedule an appointment to view any of the following Manteca short sales please complete our Contact Form. Click here to search all the homes for sale in Manteca!
|
1781 Bella Terra Dr Manteca, CA 95337-8238 |
$ 404,900 |
Active Short Sale |
|
748 Mission Ridge Dr Manteca, CA 95337-6888 |
$ 360,000 |
Active Short Sale |
|
1168 Livorno Ct Manteca, CA 95337-8441 |
$ 359,900 |
Active Short Sale Cont. |
|
2084 Plumeria Ln Manteca, CA 95337-7947 |
$ 345,000 |
Active Short Sale Cont. |
|
573 Foxfire Dr Manteca, CA 95337-6606 |
$ 325,000 |
Active Short Sale Cont. |
|
1780 Huerto Pl Manteca, CA 95337-8783 |
$ 315,900 |
Active Short Sale Cont. |
|
2076 Wisteria Pl Manteca, CA 95337-7953 |
$ 300,000 |
Active Short Sale |
|
2076 Wisteria Pl Manteca, CA 95337-7953 |
$ 300,000 |
Active Short Sale |
|
548 Micheletos Way Manteca, CA 95336-8539 |
$ 299,900 |
Active Short Sale Cont. |
|
274 Generations Ct Manteca, CA 95337-8993 |
$ 295,000 |
Active Short Sale |
|
2245 Silverlace Pl Manteca, CA 95337-7943 |
$ 281,000 |
Active Short Sale Cont. |
|
2455 Capri Ct Manteca, CA 95337-8235 |
$ 280,000 |
Active Short Sale |
|
6850 E Lathrop Rd Manteca, CA 95336-9533 |
$ 279,900 |
Active Short Sale Cont. |
|
2483 Shadow Berry Dr Manteca, CA 95336-5132 |
$ 279,000 |
Active Short Sale Cont. |
|
1257 Laurel Park Cir Manteca, CA 95337-8322 |
$ 279,000 |
Active Short Sale |
|
855 Marigold Ln Manteca, CA 95336-8672 |
$ 279,000 |
Active Short Sale Cont. |
|
10570 Normandy Rd Manteca, CA 95336-9514 |
$ 275,000 |
Active Short Sale |
|
1986 Inderbitzin Way Manteca, CA 95336-8548 |
$ 275,000 |
Active Short Sale Cont. |
|
2396 Milano St Manteca, CA 95337-8234 |
$ 269,900 |
Active Short Sale Cont. |
|
1176 Fishback Rd Manteca, CA 95337-8251 |
$ 260,000 |
Active Short Sale |
|
382 Pestana Ave Manteca, CA 96336 |
$ 260,000 |
Active Short Sale Cont. |
|
582 Heartland Dr Manteca, CA 95337-8958 |
$ 260,000 |
Active Short Sale |
|
1097 Brenda Lee Dr Manteca, CA 95337-7939 |
$ 259,000 |
Active Short Sale Cont. |
|
2023 Derrick Ave Manteca, CA 95337-7936 |
$ 252,500 |
Active Short Sale |
|
621 Chatsworth Ct Manteca, CA 95336-7702 |
$ 250,000 |
Active Short Sale |
|
1340 Primavera Ave Manteca, CA 95336-6448 |
$ 250,000 |
Active Short Sale |
|
861 Mount Vernon Pl Manteca, CA 95336-3785 |
$ 249,999 |
Active Short Sale Cont. |
|
787 Tiger Lily Ct Manteca, CA 95337-8705 |
$ 249,000 |
Active Short Sale |
|
451 Vasconcellos Ave Manteca, CA 95336-8659 |
$ 249,000 |
Active Short Sale |
|
2258 Fountain Square Ave Manteca, CA 95337-8996 |
$ 235,000 |
Active Short Sale |
|
1677 Hastings Dr Manteca, CA 95336-7014 |
$ 230,000 |
Active Short Sale Cont. |
|
1080 W Alameda St Manteca, CA 95336-3583 |
$ 230,000 |
Active Short Sale |
|
1708 Buena Vista Dr Manteca, CA 95337-8610 |
$ 230,000 |
Active Short Sale Cont. |
|
2076 Plumeria Ln Manteca, CA 95337-7947 |
$ 230,000 |
Active Short Sale Cont. |
|
1096 Fishback Rd Manteca, CA 95337-8250 |
$ 230,000 |
Active Short Sale |
|
2044 Buena Vista Dr Manteca, CA 95337-8966 |
$ 225,000 |
Active Short Sale Cont. |
|
1937 Sparrowhawk St Manteca, CA 95337-7914 |
$ 225,000 |
Active Short Sale |
|
1627 Goldpoppy St Manteca, CA 95337-7921 |
$ 220,000 |
Active Short Sale Cont. |
|
1790 Dalia Pl Manteca, CA 95337-8786 |
$ 220,000 |
Active Short Sale Cont. |
|
1519 Calaveras Ct Manteca, CA 95336-8531 |
$ 220,000 |
Active Short Sale |
|
2069 Masterpiece Ct Manteca, CA 95336-7074 |
$ 220,000 |
Active Short Sale Cont. |
|
1683 Gathering Ln Manteca, CA 95337-8724 |
$ 220,000 |
Active Short Sale |
|
1968 Castillo Way Manteca, CA 95337-8304 |
$ 219,900 |
Active Short Sale Cont. |
|
1730 Wellington Ave Manteca, CA 95337-8567 |
$ 217,000 |
Active Short Sale Cont. |
|
1180 Merganser Pl Manteca, CA 95337-6041 |
$ 215,000 |
Active Short Sale Cont. |
|
1749 Bandoni Ln Manteca, CA 95337-8776 |
$ 215,000 |
Active Short Sale |
|
1969 Fountain Square Ave Manteca, CA 95337-8413 |
$ 215,000 |
Active Short Sale Cont. |
|
1801 Goldpoppy St Manteca, CA 95337-7923 |
$ 215,000 |
Active Short Sale |
|
1856 Bergthold St Manteca, CA 95336-7006 |
$ 210,000 |
Active Short Sale Cont. |
|
1859 Piedmont Dr Manteca, CA 95336-6461 |
$ 210,000 |
Active Short Sale Cont. |
|
1312 Gianna Ln Manteca, CA 95336-6454 |
$ 210,000 |
Active Short Sale Cont. |
|
1847 Crom St Manteca, CA 95337-6503 |
$ 208,000 |
Active Short Sale |
|
1573 Hometown Ln Manteca, CA 95337-8646 |
$ 205,950 |
Active Short Sale Cont. |
|
1585 Swallow Tail Ln Manteca, CA 95337-8581 |
$ 205,500 |
Active Short Sale Cont. |
|
2004 Masterpiece St Manteca, CA 95336-7073 |
$ 205,000 |
Active Short Sale Cont. |
|
1688 Komenich Dr Manteca, CA 95336-7023 |
$ 202,500 |
Active Short Sale |
|
1536 Northgate Dr Manteca, CA 95336-6247 |
$ 200,100 |
Active Short Sale Cont. |
|
1479 Swallow Tail Ln Manteca, CA 95337-8585 |
$ 200,000 |
Active Short Sale |
|
1723 Wellesley Ln Manteca, CA 95337-8576 |
$ 200,000 |
Active Short Sale Cont. |
|
1479 Swallow Tail Ln Manteca, CA 95337-8585 |
$ 200,000 |
Active Short Sale |
|
1723 Wellesley Ln Manteca, CA 95337-8576 |
$ 200,000 |
Active Short Sale Cont. |
|
419 Pestana Ave Manteca, CA 95336-8534 |
$ 199,900 |
Active Short Sale Cont. |
|
948 Valais Ln Manteca, CA 95337-6684 |
$ 199,000 |
Active Short Sale Cont. |
|
1734 Image Dr Manteca, CA 95337-8722 |
$ 199,000 |
Active Short Sale |
|
2487 Bellchase Dr Manteca, CA 95336-5108 |
$ 195,000 |
Active Short Sale |
|
1063 Winters Dr Manteca, CA 95337-9657 |
$ 195,000 |
Active Short Sale Cont. |
|
1098 Miel St Manteca, CA 95337-8769 |
$ 195,000 |
Active Short Sale |
|
1936 Hyde Park Ln Manteca, CA 95336-7033 |
$ 195,000 |
Active Short Sale |
|
1726 Nicol Way Manteca, CA 95336-2993 |
$ 195,000 |
Active Short Sale |
|
706 Tahoe St Manteca, CA 95337-6852 |
$ 194,000 |
Active Short Sale Cont. |
|
2237 Veranda Way Manteca, CA 95337-8701 |
$ 192,000 |
Active Short Sale |
|
821 Monte Rosa Ln Manteca, CA 95337-6690 |
$ 190,900 |
Active Short Sale Cont. |
|
719 Vasconcellos Ave Manteca, CA 95336-8547 |
$ 190,000 |
Active Short Sale Cont. |
|
1854 Holly Oak Ct Manteca, CA 95336-9149 |
$ 190,000 |
Active Short Sale Cont. |
|
861 Ann Marie Dr Manteca, CA 95337-8584 |
$ 189,900 |
Active Short Sale Cont. |
|
2078 Hyde Park Pl Manteca, CA 95336-7032 |
$ 189,900 |
Active Short Sale Cont. |
|
1184 Fishback Rd Manteca, CA 95337-8251 |
$ 189,900 |
Active Short Sale Cont. |
|
1956 Castillo Way Manteca, CA 95337-8304 |
$ 189,000 |
Active Short Sale Cont. |
|
17849 S Austin Rd Manteca, CA 95336-8404 |
$ 189,000 |
Active Short Sale Cont. |
|
389 Pestana Ave Manteca, CA 95336-8535 |
$ 189,000 |
Active Short Sale |
|
1112 Norman Dr Manteca, CA 95336-5955 |
$ 189,000 |
Active Short Sale Cont. |
|
2021 Masterpiece St Manteca, CA 95336-7073 |
$ 189,000 |
Active Short Sale Cont. |
|
1599 Wickford Way Manteca, CA 95336-7037 |
$ 189,000 |
Active Short Sale Cont. |
|
1173 Meadowbrook Ct Manteca, CA 95336-3586 |
$ 189,000 |
Active Short Sale |
|
1307 Gianna Ln Manteca, CA 95336-6454 |
$ 185,000 |
Active Short Sale |
|
370 Teresa Pl Manteca, CA 95337-9624 |
$ 182,600 |
Active Short Sale |
|
950 Norman Dr Manteca, CA 95336-5953 |
$ 180,000 |
Active Short Sale |
|
1641 Blush St Manteca, CA 95336-9238 |
$ 180,000 |
Active Short Sale Cont. |
|
1997 Crom St Manteca, CA 95337-6504 |
$ 180,000 |
Active Short Sale |
|
2751 Tapestry St Manteca, CA 95337-8726 |
$ 180,000 |
Active Short Sale |
|
2760 Cobbler St Manteca, CA 95337-8723 |
$ 180,000 |
Active Short Sale |
|
1207 Stonum Ln Manteca, CA 95337-6747 |
$ 179,999 |
Active Short Sale Cont. |
|
1003 Winters Dr Manteca, CA 95337-9655 |
$ 177,900 |
Active Short Sale Cont. |
|
1650 Solaro Way Manteca, CA 95336-2988 |
$ 175,000 |
Active Short Sale Cont. |
|
909 Grafton St Manteca, CA 95337-8573 |
$ 175,000 |
Active Short Sale |
|
1183 Syracuse Ln Manteca, CA 95336-2990 |
$ 175,000 |
Active Short Sale Cont. |
|
6104 Chickasaw Ct Manteca, CA 95336-2557 |
$ 170,000 |
Active Short Sale Cont. |
|
1618 Blush St Manteca, CA 95336-9238 |
$ 170,000 |
Active Short Sale |
|
1725 Savory Dr Manteca, CA 95337-6697 |
$ 170,000 |
Active Short Sale |
|
1145 Pestana Ave Manteca, CA 95336-9155 |
$ 169,000 |
Active Short Sale Cont. |
|
903 Nordic Pl Manteca, CA 95336-3784 |
$ 168,500 |
Active Short Sale |
|
6158 Chickasaw Ct Manteca, CA 95336-2557 |
$ 166,500 |
Active Short Sale |
|
754 Mission Ridge Dr Manteca, CA 95337-6888 |
$ 165,000 |
Active Short Sale |
|
462 Chablis Way Manteca, CA 95337-6820 |
$ 165,000 |
Active Short Sale Cont. |
|
1017 Lambdin St Manteca, CA 95336-5948 |
$ 165,000 |
Active Short Sale Cont. |
|
1165 Silvertrail Ln Manteca, CA 95336-3012 |
$ 165,000 |
Active Short Sale Cont. |
|
1426 Trellis St Manteca, CA 95336-9192 |
$ 164,950 |
Active Short Sale Cont. |
|
1088 Foxfire Dr Manteca, CA 95337-6695 |
$ 164,900 |
Active Short Sale |
|
10053 E Louise Ave Manteca, CA 95336-9165 |
$ 162,000 |
Active Short Sale Cont. |
|
1044 E Edison St Manteca, CA 95336-3808 |
$ 160,000 |
Active Short Sale Cont. |
|
851 Canyon Ct Manteca, CA 95336-3580 |
$ 160,000 |
Active Short Sale Cont. |
|
1021 Parkside Ave Manteca, CA 95336-3420 |
$ 159,000 |
Active Short Sale |
|
1233 Yorkshire Way Manteca, CA 95336-2912 |
$ 155,000 |
Active Short Sale |
|
1460 Intrigue Ln Manteca, CA 95337-8444 |
$ 155,000 |
Active Short Sale |
|
1074 Derby Ct Manteca, CA 95336-6329 |
$ 155,000 |
Active Short Sale Cont. |
|
944 S Willow Ave Manteca, CA 95337-5560 |
$ 153,500 |
Active Short Sale Cont. |
|
1440 Catamaran Ct Manteca, CA 95337-6702 |
$ 150,000 |
Active Short Sale |
|
874 E Alameda St Manteca, CA 95336-4029 |
$ 150,000 |
Active Short Sale |
|
1970 London Ave Manteca, CA 95336-7016 |
$ 150,000 |
Active Short Sale Cont. |
|
1133 Topaz Dr Manteca, CA 95336-3535 |
$ 150,000 |
Active Short Sale |
|
1440 Catamaran Ct Manteca, CA 95337-6702 |
$ 150,000 |
Active Short Sale |
|
874 E Alameda St Manteca, CA 95336-4029 |
$ 150,000 |
Active Short Sale |
|
1970 London Ave Manteca, CA 95336-7016 |
$ 150,000 |
Active Short Sale Cont. |
|
1133 Topaz Dr Manteca, CA 95336-3535 |
$ 150,000 |
Active Short Sale |
|
370 Enrico Ln Manteca, CA 95337-9617 |
$ 149,950 |
Active Short Sale Cont. |
|
700 Garnet Pl Manteca, CA 95336-3548 |
$ 149,900 |
Active Short Sale Cont. |
|
1471 Quincy Ave Manteca, CA 95336-6437 |
$ 149,900 |
Active Short Sale |
|
436 Victory Ave Manteca, CA 95336-4446 |
$ 149,000 |
Active Short Sale Cont. |
|
5910 Mohican Dr Manteca, CA 95336-2515 |
$ 149,000 |
Active Short Sale |
|
669 Garden Gate Dr Manteca, CA 95336-3719 |
$ 148,000 |
Active Short Sale |
|
421 Pioneer Ave Manteca, CA 95336-4453 |
$ 147,500 |
Active Short Sale Cont. |
|
730 W Alameda St Manteca, CA 95336-4404 |
$ 146,900 |
Active Short Sale Cont. |
|
1074 N Wembley Way Manteca, CA 95336-6334 |
$ 145,000 |
Active Short Sale |
|
116 Wawona St Manteca, CA 95337-5642 |
$ 145,000 |
Active Short Sale |
|
424 Dan St Manteca, CA 95336-3708 |
$ 145,000 |
Active Short Sale Cont. |
|
534 Mikesell Ave Manteca, CA 95336-5818 |
$ 145,000 |
Active Short Sale |
|
524 Curry Ct Manteca, CA 95337-5301 |
$ 140,000 |
Active Short Sale |
|
286 Laurelwood Cir Manteca, CA 95336-7118 |
$ 140,000 |
Active Short Sale |
|
1227 Kelley Dr Manteca, CA 95336-6928 |
$ 140,000 |
Active Short Sale Cont. |
|
488 Tioga Way Manteca, CA 95337-5331 |
$ 140,000 |
Active Short Sale |
|
14422 Arapaho Way Manteca, CA 95336-2565 |
$ 139,900 |
Active Short Sale Cont. |
|
1273 Ivy Way Manteca, CA 95336-6208 |
$ 139,900 |
Active Short Sale |
|
881 Garden Gate Dr Manteca, CA 95336-3720 |
$ 139,000 |
Active Short Sale |
|
435 N Fremont St Manteca, CA 95336-3945 |
$ 139,000 |
Active Short Sale Cont. |
|
469 Seville Way Manteca, CA 95336-2619 |
$ 138,000 |
Active Short Sale Cont. |
|
1112 Virginia St Manteca, CA 95337-5256 |
$ 137,000 |
Active Short Sale Cont. |
|
1239 Empire Ave Manteca, CA 95336-9187 |
$ 135,000 |
Active Short Sale Cont. |
|
356 N Sheridan Ave Manteca, CA 95336-4019 |
$ 135,000 |
Active Short Sale Cont. |
|
379 Alicante Ct Manteca, CA 95337-6882 |
$ 134,999 |
Active Short Sale Cont. |
|
838 Saratoga St Manteca, CA 95336-3340 |
$ 134,900 |
Active Short Sale Cont. |
|
6204 Yuma Way Manteca, CA 95336-2548 |
$ 134,900 |
Active Short Sale Cont. |
|
1065 Coral Ct Manteca, CA 95336 |
$ 134,900 |
Active Short Sale |
|
889 La Mesa Way Manteca, CA 95336-3323 |
$ 129,900 |
Active Short Sale Cont. |
|
1568 Linden Way Manteca, CA 95336-6420 |
$ 129,340 |
Active Short Sale |
|
863 Edythe St Manteca, CA 95337-5350 |
$ 129,000 |
Active Short Sale |
|
279 Diane Ct Manteca, CA 95336-3163 |
$ 129,000 |
Active Short Sale Cont. |
|
1697 Silverwood Ave Manteca, CA 95336-2826 |
$ 126,000 |
Active Short Sale |
|
1141 Marion St Manteca, CA 95337-5258 |
$ 125,900 |
Active Short Sale |
|
226 Mylnar Ave Manteca, CA 95336-4911 |
$ 125,000 |
Active Short Sale Cont. |
|
654 Gold St Manteca, CA 95336-3439 |
$ 125,000 |
Active Short Sale |
|
505 El Capitan Ave Manteca, CA 95337-5308 |
$ 125,000 |
Active Short Sale Cont. |
|
1251 Huntington Pl Manteca, CA 95336-2981 |
$ 124,900 |
Active Short Sale Cont. |
|
1467 Timber Ln Manteca, CA 95336-3034 |
$ 124,900 |
Active Short Sale Cont. |
|
665 Acacia Ave Manteca, CA 95336-3641 |
$ 124,900 |
Active Short Sale Cont. |
|
1379 Linden Way Manteca, CA 95336-2976 |
$ 123,600 |
Active Short Sale Cont. |
|
2189 Debutant Manteca, CA 95336-9571 |
$ 122,200 |
Active Short Sale |
|
1539 Malvick Ct Manteca, CA 95336-6901 |
$ 120,000 |
Active Short Sale Cont. |
|
828 Alpine Ave Manteca, CA 95336-3820 |
$ 119,999 |
Active Short Sale |
|
241 Dovewood Dr Manteca, CA 95336-2635 |
$ 118,900 |
Active Short Sale Cont. |
|
1807 Olivewood Ave Manteca, CA 95336-2823 |
$ 118,500 |
Active Short Sale Cont. |
|
410 Diane Dr Manteca, CA 95336-3103 |
$ 115,000 |
Active Short Sale Cont. |
|
1102 Yvonne Ave Manteca, CA 95336-3455 |
$ 115,000 |
Active Short Sale |
|
5740 Comanche Dr Manteca, CA 95336-2505 |
$ 112,000 |
Active Short Sale Cont. |
|
501 Michigan Ave Manteca, CA 95337-5460 |
$ 105,000 |
Active Short Sale Cont. |
|
735 Camino Ct Manteca, CA 95336-3311 |
$ 105,000 |
Active Short Sale |
|
2818 W Yosemite Ave Manteca, CA 95337-8337 |
$ 105,000 |
Active Short Sale Cont. |
|
1002 Trinity St Manteca, CA 95336-5924 |
$ 100,000 |
Active Short Sale |
|
414 Golf Cir Manteca, CA 95337-6520 |
$ 100,000 |
Active Short Sale Cont. |
|
601 Diane Dr Manteca, CA 95336-3104 |
$ 97,490 |
Active Short Sale |
|
2862 W Yosemite Ave Manteca, CA 95337-8337 |
$ 87,000 |
Active Short Sale |
|
530 S Veach Ave Manteca, CA 95337 |
$ 85,000 |
Active Short Sale Cont. |
|
413 Golf Cir Manteca, CA 95337-6508 |
$ 80,000 |
Active Short Sale Cont. |
|
411 Stockton St Manteca, CA 95337-5554 |
$ 53,500 |
Active Short Sale Cont. |
