National Mortgage Standards are Encouraged
January 5, 2011
A group of investors together with academics has proposed a national standards system be created for Mortgages. The goal would be for such standards to be implemented as early as this spring.The group believes such standards could diminish conflict between servicers and investors, help avoid investor favoritism by servicers and set a standard for securities that avoids the pitfalls of the past thereby improving lending practices and investments in the national economy.
California October Foreclosures are Down
November 12, 2010
RealtyTrac, has reported that 66,475 properties foreclosed in California this October. That is down nearly 12% from September and 22% from last October. However even with the drop in overall reported foreclosures, Modesto and Stockton still remain in the top 5 cities nationwide for foreclosures. Although this downward trend has been consistent over the past many months, it is likely to slow down over the winter which is a traditionally slow time for real estate sales.
HUD Secretary - Foreclosure Problems Aren’t Systemic
October 22, 2010
In the Federal Task Force meeting on Wednesday, the Secretary of Housing and Urban Development, Shaun Donovan said they have been aware of violations with certain servicers for some time and they will “take actions”. However, he stopped shy of identifying any systemic problems instead citing isolated non specific problems. More details could become available when the FHA probe is completed in about nine weeks. The Federal Task Force investigation has now shifted to determining whether there was “criminal intent to take a home” “robo-signing” or fraud. Any mortgage servicers found guilty of these actions could face hefty fines or lose their ability to work with the Federal Housing Administration at a minimum. It is still too early to tell which lenders may face charges and what effect any such charges would have on the lending industry as a whole.
Federal Task Force Investigation into Foreclosure Fraud Could Lead to Criminal Charges
October 20, 2010
According to CNN, White House Press Secretary Robert Gibbs the Federal Housing Administration and Financial Fraud Enforcement Task Force are in the process of an investigation into foreclosure regulations and they will expect any bank that violated the law to be fully accountable for those actions. The Task Force is meeting on October 20, 2010 at the Department of Housing and Urban Development. They are planning to determine whether civil or criminal charges will be enforced. There should be a White House briefing after the meeting concludes.
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
The Good News and the Bad News for San Joaquin
September 16, 2010
Real estate market analysts have been hard at work crunching the latest round of numbers but what does it all mean? Wednesday the news looked optimistic for San Joaquin when it was reported that the area experienced a second quarter decline in foreclosures despite the fact that Stockton still remained 96th in the nation for foreclosures. However on the heels of that report it was announced that US home seizures had reached a new record and are now 25% higher than a year ago and that California accounted for 1/5th of the national total. UCLA economists predicted that California is on the road to recovery, but it will be slow stating that unemployment is not likely to fall below 10% until late 2012. This is something to look forward to for San Joaquin county which currently ranks 99th in the nation for employment and housing prices.
Posted via email from www.Homes-In-Stockton.com Posterous
Legal Chart Quick Reference for California Deficiency Judgments
August 26, 2010
The attached document provides a quick reference to assist distressed sellers in determining if a lender would have the right to collect on a deficiency resulting from foreclosure in the State of California. It is intended only for reference. I recommend strongly that a seller facing foreclosure or pursuing a short sale consult with an attorney and CPA. Pat Holkesvig & Your Home Team specialize in:
Stockton Short Sales,
Lodi Short Sales,
Lathrop Short Sales,
Manteca Short Sales,
Elk Grove Short Sales,
Mountain House Short Sales,
Tracy Short Sales,
Ripon Short Sales and
Tracy Short Sales.
If you have any real estate related questions please contact Pat Holkesvig at (209) 471-6516 or complete our Contact Form.
No New Ideas From Mortgage Summit
August 24, 2010
On August 12th in the post Could This Be The End of Short Sales? we wrote about how On August 17th the Treasury was going to be holding a hearing regarding the future plans for Fannie Mae and Freddie Mac. It was rumored that the Obama administration was about to order the government-controlled lenders to forgive a portion of the mortgage debt for Americans who are underwater.
At the end of the day, no new ideas came out of the August 17th summit and it is most likely that there will be little change to Freddie Mac and Fannie Mae for the short term. However, that means the government could continue to bail out the banks. It also leaves open the possibilities that Freddie and Fannie could go as far as writing off all remaining debt or at least refinance all existing troubled loans to current low interest rates.
Posted via email from www.Homes-In-Stockton.com Posterous
A Glimmer of Hope
August 5, 2010
According to a recent report on CNBC, Stockton’s luck may be changing. More properties that would have previously been lost to foreclosure are instead becoming short sales. According to the report, San Joaquin County foreclosures have fallen from 85 to 68 percent and defaults fell 43 percent in the second quarter of 2010. However due to the tax breaks expiring, the number of perspective buyers has dwindled. With an unemployment rate hovering around 25 percent, Stockton could take a long time to permanently recover
Posted via email from www.Homes-In-Stockton.com Posterous
Tracy Short Sales
June 29, 2010
| Pat Holkesvig and Your Home Team process more short sale listings than any other Central Valley agent. Pat is the Central Valley Short Sale Specialist! Contact us with any questions you may have. Click here to view all the homes available in Tracy!
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| 131 E Emerson Ave Tracy, CA 95376-2714 | $ 119,000 | Active Short Sale Cont. |
| 1101 Vallerand Rd Tracy, CA 95376-2339 | $ 120,000 | Active Short Sale Cont. |
| 454 Marie Ave Tracy, CA 95376-1831 | $ 110,000 | Active Short Sale Cont. |
| 890 N Chestnut Ave Tracy, CA 95376-4345 | $ 148,888 | Active Short Sale |
| 28444 S Macarthur Dr Tracy, CA 95377-8101 | $ 75,000 | Active Short Sale Cont. |
| 362 W Emerson Ave Tracy, CA 95376-2506 | $ 100,000 | Active Short Sale |
| 2331 Lincoln Blvd Tracy, CA 95376-2321 | $ 119,000 | Active Short Sale Cont. |
| 1423 Birch Dr Tracy, CA 95376-4301 | $ 150,000 | Active Short Sale Cont. |
| 340 West St Tracy, CA 95376-4551 | $ 125,000 | Active Short Sale Cont. |
| 20 W 2nd St Tracy, CA 95376-4509 | $ 110,000 | Active Short Sale Cont. |
| 15 E 21st St Tracy, CA 95376-2730 | $ 119,900 | Active Short Sale Cont. |
| 1919 Parker Ave Tracy, CA 95376-2553 | $ 90,000 | Active Short Sale Cont. |
| 1340 Bessie Ave Tracy, CA 95376-3416 | $ 108,000 | Active Short Sale Cont. |
| 529 W Emerson Ave Tracy, CA 95376-2509 | $ 118,000 | Active Short Sale Cont. |
| 205 E 9th St Tracy, CA 95376-4030 | $ 124,950 | Active Short Sale |
| 125 E Whittier Ave Tracy, CA 95376-2781 | $ 115,000 | Active Short Sale Cont. |
| 814 C St Tracy, CA 95376-4132 | $ 118,000 | Active Short Sale |
| 201 E Clover Rd Tracy, CA 95376-1957 | $ 117,999 | Active Short Sale |
| 140 Hawthorne Dr Tracy, CA 95376-1865 | $ 125,000 | Active Short Sale Cont. |
| 335 E 22nd St Tracy, CA 95376-2821 | $ 128,000 | Active Short Sale |
| 2921 Balboa Dr Tracy, CA 95376-1908 | $ 129,999 | Active Short Sale Cont. |
| 1416 Jeffrey Dr Tracy, CA 95376-3337 | $ 135,000 | Active Short Sale Cont. |
| 5295 F St Tracy, CA 95304-9572 | $ 140,000 | Active Short Sale Cont. |
| 1415 Fine Ave Tracy, CA 95376-3162 | $ 145,900 | Active Short Sale Cont. |
| 36 W 20th St Tracy, CA 95376-2616 | $ 125,000 | Active Short Sale |
| 1417 Audrey Dr Tracy, CA 95376-3334 | $ 149,000 | Active Short Sale |
| 255 Hawthorne Dr Tracy, CA 95376-1869 | $ 145,500 | Active Short Sale Cont. |
| 1129 Roosevelt Ave Tracy, CA 95376-3429 | $ 110,000 | Active Short Sale Cont. |
| 1820 Duncan Dr Tracy, CA 95376-2210 | $ 140,000 | Active Short Sale |
| 726 S North D St Tracy, CA 95376 | $ 85,000 | Active Short Sale |
| 510 Ballico Dr Tracy, CA 95376 | $ 119,950 | Active Short Sale Cont. |
| 1301 Coolidge Ave Tracy, CA 95376-3304 | $ 129,950 | Active Short Sale |
| 1411 Richard Dr Tracy, CA 95376 | $ 155,000 | Active Short Sale Cont. |
| 11534 W Larch Rd Tracy, CA 95304-1518 | $ 199,000 | Active Short Sale Cont. |
| 811 Tennis Ln Tracy, CA 95376-4436 | $ 179,000 | Active Short Sale Cont. |
| 1170 Fruitwood Ct Tracy, CA 95376-5347 | $ 195,000 | Active Short Sale |
| 435 Palm Cir Tracy, CA 95376-4358 | $ 180,000 | Active Short Sale |
| 2955 Butler Dr Tracy, CA 95376-1777 | $ 200,000 | Active Short Sale |
| 1178 Mamie Anderson Ln Tracy, CA | $ 179,900 | Active Short Sale Cont. |
| 779 Williams St Tracy, CA 95376 | $ 185,000 | Active Short Sale Cont. |
| 1625 Jasmine Ct Tracy, CA 95376-0776 | $ 185,000 | Active Short Sale Cont. |
| 1715 Thicket Ct Tracy, CA 95376-5256 | $ 190,000 | Active Short Sale |
| 1540 Teakwood Way Tracy, CA 95376 | $ 175,000 | Active Short Sale Cont. |
| 1817 N Lincoln Blvd Tracy, CA 95376-2311 | $ 198,000 | Active Short Sale Cont. |
| 2145 Florentine Way Tracy, CA 95376 | $ 180,000 | Active Short Sale Cont. |
| 1455 Cypress Dr Tracy, CA 95376-4305 | $ 165,000 | Active Short Sale Cont. |
| 461 Gonzalez St Tracy, CA 95376-5423 | $ 195,000 | Active Short Sale |
| 940 Vallerand Rd Tracy, CA 95376-2441 | $ 190,000 | Active Short Sale Cont. |
| 1022 Vernon Berry Ln Tracy, CA 95376 | $ 174,950 | Active Short Sale Cont. |
| 1435 Busca Dr Tracy, CA 95376-7754 | $ 189,000 | Active Short Sale Cont. |
| 1593 Shadowood Ct Tracy, CA 95376-5277 | $ 192,500 | Active Short Sale |
| 1737 Groveview Way Tracy, CA 95376 | $ 189,900 | Active Short Sale Cont. |
| 1900 Scotch Pine Ct Tracy, CA 95376-9192 | $ 180,000 | Active Short Sale Cont. |
| 2980 Loreto Ct Tracy, CA 95376-7719 | $ 199,000 | Active Short Sale Cont. |
| 1902 Woodcrest Ct Tracy, CA 95376-0742 | $ 180,000 | Active Short Sale Cont. |
| 1423 Birch Dr Tracy, CA 95376-4301 | $ 150,000 | Active Short Sale Cont. |
| 3090 Garden Ln Tracy, CA 95377-8201 | $ 185,000 | Active Short Sale Cont. |
| 1850 Foxtail Way Tracy, CA 95376-5369 | $ 180,000 | Active Short Sale Cont. |
| 2847 Valcourt Way Tracy, CA 95377-8237 | $ 195,000 | Active Short Sale Cont. |
| 1563 Shadowood Ct Tracy, CA 95376-5277 | $ 175,000 | Active Short Sale Cont. |
| 1940 Thomas Dehaven Ct Tracy, CA 95376- | $ 166,000 | Active Short Sale Cont. |
| 1152 Terry Ln Tracy, CA 95376-8754 | $ 195,000 | Active Short Sale Cont. |
| 110 E Mount Diablo Ave Tracy, CA 95376 | $ 200,000 | Active Short Sale Cont. |
| 16 Mary Ct Tracy, CA 95376-1338 | $ 165,000 | Active Short Sale Cont. |
| 442 Ballico Dr Tracy, CA 95376-5107 | $ 159,000 | Active Short Sale Cont. |
| 441 Wagtail Dr Tracy, CA 95376-5406 | $ 179,950 | Active Short Sale Cont. |
| 4298 Roxbury Dr Tracy, CA 95377-8415 | $ 199,000 | Active Short Sale Cont. |
| 3285 Ernest Dr Tracy, CA 95376-2057 | $ 160,000 | Active Short Sale Cont. |
| 560 Krider Tracy, CA 95376 | $ 180,000 | Active Short Sale |
| 1467 Gentry Ln Tracy, CA 95377-7986 | $ 189,900 | Active Short Sale Cont. |
| 1582 Cole Ln Tracy, CA 95377-7972 | $ 170,000 | Active Short Sale Cont. |
| 900 Dolores Ct Tracy, CA 95376-7908 | $ 185,000 | Active Short Sale Cont. |
| 1225 Meadow Ln Tracy, CA 95377-9235 | $ 200,000 | Active Short Sale Cont. |
| 3226 Jeanette Ct Tracy, CA 95376-2060 | $ 179,000 | Active Short Sale |
| 1062 Acland Way Tracy, CA 95376-8755 | $ 180,000 | Active Short Sale Cont. |
| 352 Roan Dr Tracy, CA 95376-6704 | $ 199,000 | Active Short Sale Cont. |
| 231 Versailles Ct Tracy, CA 95376-5443 | $ 169,900 | Active Short Sale Cont. |
| 1926 Woodcrest Ct Tracy, CA 95376-0742 | $ 180,000 | Active Short Sale Cont. |
| 551 Gonzalez St Tracy, CA 95376-5424 | $ 175,000 | Active Short Sale Cont. |
| 222 Coronado Way Tracy, CA 95376-2121 | $ 182,000 | Active Short Sale Cont. |
| 451 Leamon St Tracy, CA 95376-5437 | $ 170,000 | Active Short Sale |
| 2914 Coventry Dr Tracy, CA 95376-1811 | $ 150,600 | Active Short Sale |
| 65 Elizabeth Ct Tracy, CA 95376-1323 | $ 179,900 | Active Short Sale |
| 1615 Parkside Dr Tracy, CA 95376-9684 | $ 178,000 | Active Short Sale Cont. |
| 1001 Tarrogana Dr Tracy, CA 95376-4820 | $ 179,900 | Active Short Sale |
| 130 E Lowell Ave Tracy, CA 95376-2716 | $ 169,000 | Active Short Sale |
| 1475 Vintage Ct Tracy, CA 95376-8941 | $ 200,000 | Active Short Sale Cont. |
| 265 Hollywood Ave Tracy, CA 95376-3138 | $ 187,000 | Active Short Sale |
| 430 Gabriel Dr Tracy, CA 95376-1820 | $ 165,000 | Active Short Sale |
| 945 Peerless Ct Tracy, CA 95376-5143 | $ 155,000 | Active Short Sale |
| 970 Dolores Ct Tracy, CA 95376-7908 | $ 189,900 | Active Short Sale |
| 1374 Ray Harvey Dr Tracy, CA 95377 | $ 195,000 | Active Short Sale |
| 5 Mary Ct Tracy, CA 95376-1337 | $ 179,000 | Active Short Sale |
| 1850 Summertime Dr Tracy, CA 95376 | $ 190,000 | Active Short Sale Cont. |
| 960 Appalosa Way Tracy, CA 95376-8770 | $ 190,000 | Active Short Sale |
| 552 Carol Louise Ln Tracy, CA 95376-2050 | $ 199,900 | Active Short Sale |
| 1586 Parkside Ct Tracy, CA 95376-6705 | $ 180,000 | Active Short Sale |
| 3317 Jeanette Ct Tracy, CA 95376-2059 | $ 200,000 | Active Short Sale |
| 461 Czerny St Tracy, CA 95376-5430 | $ 180,000 | Active Short Sale |
| 499 Krider Ct Tracy, CA 95376-5426 | $ 185,000 | Active Short Sale |
| 1915 Maplegrove Ln Tracy, CA 95376-5296 | $ 200,000 | Active Short Sale |
| 1862 Paradise Valley Ct Tracy, CA 95376 | $ 190,000 | Active Short Sale |
| 2245 Sabrina Way Tracy, CA 95377-5624 | $ 250,000 | Active Short Sale Cont. |
| 3781 James W Smith Loop Tracy, CA | $ 230,000 | Active Short Sale Cont. |
| 581 Clarence Bromell St Tracy, CA 95377 | $ 275,000 | Active Short Sale |
| 4336 Oakridge Dr Tracy, CA 95377-7083 | $ 295,000 | Active Short Sale Cont. |
| 1705 Sequoia Blvd Tracy, CA 95376-5350 | $ 240,000 | Active Short Sale Cont. |
| 710 Alden Glen Dr Tracy, CA 95376-5343 | $ 240,000 | Active Short Sale Cont. |
| 510 Forest Hills Dr Tracy, CA 95376-4946 | $ 220,000 | Active Short Sale Cont. |
| 1555 Hoot Owl Ct Tracy, CA 95376-4396 | $ 250,000 | Active Short Sale Cont. |
| 2955 Butler Dr Tracy, CA 95376-1777 | $ 200,000 | Active Short Sale |
| 2290 Gibralter Ln Tracy, CA 95377-1146 | $ 299,999 | Active Short Sale |
| 86 Lavender Ct Tracy, CA 95376-1331 | $ 229,900 | Active Short Sale |
| 370 Pepperwood Ct Tracy, CA 95376-8903 | $ 250,000 | Active Short Sale Cont. |
| 2282 Cabana Ln Tracy, CA 95377-1113 | $ 209,900 | Active Short Sale Cont. |
| 840 Saffron Dr Tracy, CA 95377-8669 | $ 265,000 | Active Short Sale Cont. |
| 1741 Ashtree Ct Tracy, CA 95376-5647 | $ 225,000 | Active Short Sale Cont. |
| 560 Clarence Bromell St Tracy, CA | $ 270,000 | Active Short Sale Cont. |
| 780 Saffron Dr Tracy, CA 95377-8668 | $ 264,900 | Active Short Sale Cont. |
| 902 Windsong Dr Tracy, CA 95377-8710 | $ 279,000 | Active Short Sale |
| 1523 Badger Way Tracy, CA 95304-5968 | $ 259,000 | Active Short Sale Cont. |
| 2843 Ralston Way Tracy, CA 95377-8512 | $ 250,000 | Active Short Sale Cont. |
| 130 Arezzo Way Tracy, CA 95377-8337 | $ 265,000 | Active Short Sale Cont. |
| 2436 Veneto Ln Tracy, CA 95377-8694 | $ 267,000 | Active Short Sale |
| 2948 Frank Brown Ln Tracy, CA 95377 | $ 215,000 | Active Short Sale Cont. |
| 1031 Tulloch Dr Tracy, CA 95304-5917 | $ 300,000 | Active Short Sale |
| 381 Glenbriar Cir Tracy, CA 95377-7053 | $ 285,000 | Active Short Sale Cont. |
| 1835 Harvest Landing Ln Tracy, CA 95376 | $ 250,000 | Active Short Sale |
| 2601 Tennis Ln Tracy, CA 95377-1167 | $ 298,999 | Active Short Sale |
| 1996 Calaveras Ct Tracy, CA 95377-8403 | $ 249,000 | Active Short Sale Cont. |
| 4756 Twin Oaks Dr Tracy, CA 95377-8714 | $ 225,000 | Active Short Sale Cont. |
| 790 Weeping Willow Ln Tracy, CA 95376-6711 | $ 215,000 | Active Short Sale |
| 1240 Bluegrass Ln Tracy, CA 95377-9243 | $ 210,000 | Active Short Sale |
| 825 Cobalt Ct Tracy, CA 95377-8651 | $ 265,000 | Active Short Sale Cont. |
| 2136 Pedro Ln Tracy, CA 95377-1153 | $ 210,000 | Active Short Sale Cont. |
| 1486 Mansfield St Tracy, CA 95376-8615 | $ 279,000 | Active Short Sale Cont. |
| 2422 Colby Ct Tracy, CA 95377-6627 | $ 279,000 | Active Short Sale |
| 1183 Montgomery Ln Tracy, CA 95377-7928 | $ 290,000 | Active Short Sale Cont. |
| 4737 Twin Oaks Dr Tracy, CA 95377-8714 | $ 283,000 | Active Short Sale |
| 1610 Autumn Meadow Ln Tracy, CA 95376-5639 | $ 265,000 | Active Short Sale Cont. |
| 4114 Treana Ct Tracy, CA 95377-8333 | $ 265,000 | Active Short Sale Cont. |
| 789 Sparrow Ct Tracy, CA 95377-6647 | $ 259,000 | Active Short Sale Cont. |
| 697 Harold Smith Dr Tracy, CA 95304-5814 | $ 269,900 | Active Short Sale |
| 2449 Gaines Ln Tracy, CA 95377-7915 | $ 255,000 | Active Short Sale Cont. |
| 1660 Antonia Ct Tracy, CA 95376-0707 | $ 240,000 | Active Short Sale |
| 730 Traditions Ct Tracy, CA 95376-1348 | $ 244,000 | Active Short Sale Cont. |
| 261 De Bord Dr Tracy, CA 95376-7002 | $ 235,000 | Active Short Sale Cont. |
| 704 Oneil Ct Tracy, CA 95376-8763 | $ 249,950 | Active Short Sale Cont. |
| 1594 Lankershire Dr Tracy, CA 95377-7979 | $ 205,000 | Active Short Sale Cont. |
| 490 Silvertail Pl Tracy, CA 95376-4393 | $ 214,950 | Active Short Sale Cont. |
| 961 Windsong Dr Tracy, CA 95377-8710 | $ 255,000 | Active Short Sale Cont. |
| 1827 Mesquite Ct Tracy, CA 95376-9293 | $ 240,000 | Active Short Sale |
| 2813 Ralston Way Tracy, CA 95377-8512 | $ 249,000 | Active Short Sale Cont. |
| 3990 Maison Ct Tracy, CA 95377-8727 | $ 259,000 | Active Short Sale |
| 4193 Middlefield Dr Tracy, CA 95377-8418 | $ 250,000 | Active Short Sale Cont. |
| 734 Bogetti Ln Tracy, CA 95376-7920 | $ 225,000 | Active Short Sale Cont. |
| 4229 Eveningside Ln Tracy, CA 95377-7094 | $ 289,000 | Active Short Sale |
| 2709 Jackson Ave Tracy, CA 95377-8514 | $ 219,000 | Active Short Sale Cont. |
| 2465 Ozark Dr Tracy, CA 95304-5884 | $ 270,000 | Active Short Sale |
| 23123 Currier Dr Tracy, CA 95304-9732 | $ 260,000 | Active Short Sale Cont. |
| 740 Saffron Dr Tracy, CA 95377-8668 | $ 265,950 | Active Short Sale Cont. |
| 2108 Ashley Ln Tracy, CA 95377-6621 | $ 299,900 | Active Short Sale Cont. |
| 2433 Paul Poole Dr Tracy, CA 95377-8673 | $ 255,000 | Active Short Sale Cont. |
| 761 Saffron Dr Tracy, CA 95377-8668 | $ 285,000 | Active Short Sale Cont. |
| 2185 Pedro Ln Tracy, CA 95377-1153 | $ 274,000 | Active Short Sale Cont. |
| 1051 Tulloch Dr Tracy, CA 95304-5917 | $ 265,000 | Active Short Sale |
| 1670 Cherry Blossom Ct Tracy, CA 95377-8828 | $ 289,900 | Active Short Sale Cont. |
| 3246 Cathleen Ln Tracy, CA 95377-7945 | $ 235,000 | Active Short Sale Cont. |
| 2385 Saffron Ct Tracy, CA 95377-8672 | $ 288,999 | Active Short Sale Cont. |
| 1685 Foxwood Dr Tracy, CA 95376-5315 | $ 208,000 | Active Short Sale |
| 449 Burlington Dr Tracy, CA 95376-4920 | $ 210,000 | Active Short Sale |
| 1910 Plum Ln Tracy, CA 95376-9296 | $ 240,000 | Active Short Sale Cont. |
| 2502 Dorset Ln Tracy, CA 95377-5399 | $ 299,000 | Active Short Sale Cont. |
| 2892 Campbell Ln Tracy, CA 95377-7918 | $ 279,900 | Active Short Sale Cont. |
| 4626 Dandelion Loop Tracy, CA 95377 | $ 299,000 | Active Short Sale Cont. |
| 1142 Montgomery Ln Tracy, CA 95377 | $ 267,000 | Active Short Sale Cont. |
| 110 E Mount Diablo Ave Tracy, CA 9537 | $ 200,000 | Active Short Sale Cont. |
| 4765 Dandelion Loop Tracy, CA 95377 | $ 250,000 | Active Short Sale Cont. |
| 75 W Ameno Ln Tracy, CA 95391-2024 | $ 235,000 | Active Short Sale |
| 2240 Redington Dr Tracy, CA 95377-8970 | $ 265,000 | Active Short Sale Cont. |
| 311 Portico Ct Tracy, CA 95377-1107 | $ 290,000 | Active Short Sale Cont. |
| 1225 Meadow Ln Tracy, CA 95377-9235 | $ 200,000 | Active Short Sale Cont. |
| 1845 Klamath Ct Tracy, CA 95304-5833 | $ 279,000 | Active Short Sale Cont. |
| 1115 Tony Stuitt Dr Tracy, CA 95377-8960 | $ 280,000 | Active Short Sale Cont. |
| 1505 Lankershire Dr Tracy, CA 95377-7979 | $ 214,000 | Active Short Sale |
| 1222 Windham Ct Tracy, CA 95377-8753 | $ 245,000 | Active Short Sale |
| 735 Alden Glen Dr Tracy, CA 95376-4382 | $ 229,999 | Active Short Sale |
| 1460 Joseph Menusa Ln Tracy, CA 95377 | $ 260,000 | Active Short Sale Cont. |
| 1860 Tahoe Cir Tracy, CA 95376-8918 | $ 279,000 | Active Short Sale |
| 378 Glenbriar Cir Tracy, CA 95377 | $ 225,000 | Active Short Sale Cont. |
| 820 Saffron Dr Tracy, CA 95377-8669 | $ 274,900 | Active Short Sale Cont. |
| 4484 Tropaz Ln Tracy, CA 95377-8411 | $ 220,000 | Active Short Sale Cont. |
| 1325 Lankershire Dr Tracy, CA 95377-7939 | $ 260,000 | Active Short Sale Cont. |
| 674 Serpa Ranch Rd Tracy, CA 95377-8617 | $ 239,888 | Active Short Sale Cont. |
| 2918 Wagner Ct Tracy, CA 95377-8553 | $ 275,000 | Active Short Sale Cont. |
| 228 Alamo Ln Tracy, CA 95377-1122 | $ 259,500 | Active Short Sale Cont. |
| 3286 Ormonde Ct Tracy, CA 95377-7982 | $ 240,000 | Active Short Sale Cont. |
| 1131 Windsong Dr Tracy, CA 95377-8210 | $ 293,000 | Active Short Sale Cont. |
| 576 Glenbriar Cir Tracy, CA 95377-7024 | $ 249,000 | Active Short Sale Cont. |
| 1715 Foxwood Dr Tracy, CA 95376-4369 | $ 235,000 | Active Short Sale Cont. |
| 865 Glacier St Tracy, CA 95376-9628 | $ 245,000 | Active Short Sale |
| 1412 Lombard Ct Tracy, CA 95376-8620 | $ 260,000 | Active Short Sale Cont. |
| 2287 Golden Leaf Ln Tracy, CA 95377-1141 | $ 290,000 | Active Short Sale Cont. |
| 547 Barcelona Dr Tracy, CA 95377-6723 | $ 295,000 | Active Short Sale Cont. |
| 1713 Maison Ln Tracy, CA 95377-8425 | $ 268,000 | Active Short Sale |
| 359 Burlington Dr Tracy, CA 95376-4911 | $ 210,000 | Active Short Sale Cont. |
| 2131 Tennis Ln Tracy, CA 95377-1166 | $ 275,000 | Active Short Sale |
| 2917 Dixon Ct Tracy, CA 95377-7913 | $ 265,000 | Active Short Sale Cont. |
| 346 Darlene Ln Tracy, CA 95377-7062 | $ 285,000 | Active Short Sale |
| 2540 Ponte Mira Way Tracy, CA 95376 | $ 249,000 | Active Short Sale Cont. |
| 1530 Teakwood Way Tracy, CA 95376 | $ 205,000 | Active Short Sale |
| 286 Barcelona Dr Tracy, CA 95377-1119 | $ 239,000 | Active Short Sale Cont. |
| 1475 Vintage Ct Tracy, CA 95376-8941 | $ 200,000 | Active Short Sale Cont. |
| 1771 Ashtree Ct Tracy, CA 95376-5647 | $ 295,000 | Active Short Sale Cont. |
| 2145 Alfred George Ct Tracy, CA 95377 | $ 255,000 | Active Short Sale Cont. |
| 1700 Camellia Dr Tracy, CA 95376-0701 | $ 220,000 | Active Short Sale Cont. |
| 213 Ridgeview Dr Tracy, CA 95377-7068 | $ 250,000 | Active Short Sale |
| 4646 Dandelion Loop Tracy, CA 95377 | $ 275,000 | Active Short Sale Cont. |
| 2603 Merchant Dr Tracy, CA 95377-8500 | $ 249,000 | Active Short Sale Cont. |
| 1001 Saffron Dr Tracy, CA 95377-8671 | $ 290,000 | Active Short Sale Cont. |
| 2275 Jenni Ln Tracy, CA 95377-9588 | $ 250,000 | Active Short Sale |
| 831 Tennis Ln Tracy, CA 95376-4436 | $ 205,000 | Active Short Sale |
| 70 Wisteria Ln Tracy, CA 95377-8765 | $ 265,000 | Active Short Sale |
| 285 Pacheco Dr Tracy, CA 95376-1450 | $ 230,000 | Active Short Sale |
| 3112 Zachary Ct Tracy, CA 95377-7950 | $ 268,888 | Active Short Sale Cont. |
| 3720 James W Smith Loop Tracy, CA | $ 210,000 | Active Short Sale Cont. |
| 2411 Cabana Ln Tracy, CA 95377-1115 | $ 210,000 | Active Short Sale Cont. |
| 1541 Autumn Meadow Ln Tracy, CA | $ 249,000 | Active Short Sale |
| 4845 Dandelion Loop Tracy, CA | $ 270,000 | Active Short Sale |
| 2934 Whigham Ct Tracy, CA 95377-7912 | $ 280,000 | Active Short Sale |
| 740 Rockport Ct Tracy, CA 95377-9016 | $ 215,000 | Active Short Sale |
| 1723 Maison Ln Tracy, CA 95377-8425 | $ 230,000 | Active Short Sale Cont. |
| 4694 Windsong Ct Tracy, CA 95377-8711 | $ 250,000 | Active Short Sale |
| 3317 Jeanette Ct Tracy, CA 95376-2059 | $ 200,000 | Active Short Sale |
| 2152 Penny Ln Tracy, CA 95377-7904 | $ 249,900 | Active Short Sale |
| 2940 Alfalfa Ct Tracy, CA 95377-9231 | $ 295,500 | Active Short Sale |
| 142 Diego Ln Tracy, CA 95377-1160 | $ 250,000 | Active Short Sale |
| 2115 Pedro Ln Tracy, CA 95377-1153 | $ 237,950 | Active Short Sale |
| 1525 Foxwood Dr Tracy, CA 95376-5313 | $ 275,000 | Active Short Sale |
| 2328 Carol Ann Dr Tracy, CA 95377-6615 | $ 270,000 | Active Short Sale Cont. |
| 2173 Cain Ct Tracy, CA 95376-7018 | $ 255,000 | Active Short Sale |
| 1420 Velasquez Ln Tracy, CA 95377-5379 | $ 250,000 | Active Short Sale |
| 1700 Tahoe Cir Tracy, CA 95376-8911 | $ 218,888 | Active Short Sale |
| 1915 Maplegrove Ln Tracy, CA 95376-5296 | $ 200,000 | Active Short Sale |
| 1956 Petunia Way Tracy, CA 95376-6729 | $ 300,000 | Active Short Sale |
| 2530 Tolbert Dr Tracy, CA 95377-7962 | $ 320,000 | Active Short Sale |
| 27686 Leeanna Ln Tracy, CA 95304-8174 | $ 399,000 | Active Short Sale Cont. |
| 1693 Saint Emillion Ct Tracy, CA 95304-5944 | $ 319,500 | Active Short Sale Cont. |
| 1435 Montauban Ct Tracy, CA 95304-5946 | $ 345,000 | Active Short Sale |
| 5151 W California Ave Tracy, CA | $ 575,000 | Active Short Sale Cont. |
| 582 W Verano Way Tracy, CA 95391-2018 | $ 350,000 | Active Short Sale |
| 1031 Tulloch Dr Tracy, CA 95304-5917 | $ 300,000 | Active Short Sale |
| 2707 Marshall Ct Tracy, CA 95377-8537 | $ 360,000 | Active Short Sale Cont. |
| 795 Adam St Tracy, CA 95391-1077 | $ 415,000 | Active Short Sale Cont. |
| 4663 Riverview Ct Tracy, CA 95377-8288 | $ 320,000 | Active Short Sale Cont. |
| 565 W Conejo Ave Tracy, CA 95391-1090 | $ 370,000 | Active Short Sale Cont. |
| 420 Loma Verde Dr Tracy, CA 95376-4707 | $ 375,000 | Active Short Sale Cont. |
| 2525 Berryessa Ct Tracy, CA 95304-5825 | $ 349,000 | Active Short Sale Cont. |
| 23352 Hansen Rd Tracy, CA 95304-9756 | $ 369,000 | Active Short Sale Cont. |
| 1241 Citadelle St Tracy, CA 95304-5838 | $ 375,000 | Active Short Sale |
| 1251 Tulloch Dr Tracy, CA 95304-5852 | $ 329,000 | Active Short Sale |
| 7927 W Depot Master Dr Tracy, CA | $ 375,000 | Active Short Sale |
| 1517 Gentry Ln Tracy, CA 95377 | $ 470,000 | Active Short Sale |
| 860 Everglades Ct Tracy, CA 95377-6634 | $ 305,000 | Active Short Sale Cont. |
| 1373 W Valpico Rd Tracy, CA 95304-8641 | $ 449,000 | Active Short Sale Cont. |
| 1601 Biarritz St Tracy, CA 95304-5950 | $ 340,000 | Active Short Sale |
| 2285 Barcelona Dr Tracy, CA 95377-6720 | $ 550,000 | Active Short Sale |
| 2304 Fortuna Ln Tracy, CA 95377-1132 | $ 545,000 | Active Short Sale |
| 2965 Whigham Tracy, CA 95377 | $ 490,000 | Active Short Sale |
| 2887 Green Haven Dr Tracy, CA | $ 385,000 | Active Short Sale |
| 2198 Golden Leaf Ln Tracy, CA 95377-1112 | $ 350,000 | Active Short Sale |
| 7810 Valpico Tracy, CA 95304 | $ 574,900 | Active Short Sale |
| 2453 Gilberte St Tracy, CA 95304-5962 | $ 389,000 | Active Short Sale |
| 2686 Green Haven Ct Tracy, CA | $ 350,000 | Active Short Sale Cont. |
| 736 Superior Dr Tracy, CA 95304-5801 | $ 305,000 | Active Short Sale |
| 630 Ben Ingram Ct Tracy, CA 95377-8569 | $ 315,000 | Active Short Sale Cont. |
| 2111 Erie Ct Tracy, CA 95304-5802 | $ 320,000 | Active Short Sale |
| 1400 Whispering Wind Dr Tracy, CA | $ 320,000 | Active Short Sale |
| 1434 Olivia Ct Tracy, CA 95377-8291 | $ 340,000 | Active Short Sale |
| 1881 Mckenna Dr Tracy, CA 95304-5921 | $ 345,000 | Active Short Sale |
| 720 Traditions Ct Tracy, CA 95376-1348 | $ 390,000 | Active Short Sale |
| 468 Terra Nova Ct Tracy, CA 95377-6725 | $ 325,000 | Active Short Sale |
| 2948 Jackson Ave Tracy, CA 95377-8518 | $ 315,000 | Active Short Sale Cont. |
| 860 S Liberty Ct Tracy, CA 95376-4738 | $ 375,000 | Active Short Sale |
| 2628 Handstand Way Tracy, CA | $ 430,000 | Active Short Sale |
| 20669 E Naglee Rd Tracy, CA 95304-9447 | $ 950,000 | Active Short Sale |
| 4746 Dandelion Loop Tracy, CA | $ 310,000 | Active Short Sale |
| 1956 Petunia Way Tracy, CA 95376-6729 | $ 300,000 | Active Short Sale |
