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Deficiency Judgment Protection for all short sellers of one to four residential units. In July 2011 California passed SB 458 which prohibits a lender from going after a short seller for a deficiency judgment.  Now all loans are protected and short sellers do not have to worry about any deficiency judgments. Prior to SB 458 only certain first trust deeds were protected.

 CONSIDERING A SHORT-SALE ?  You may be eligible for $3,000 in moving expenses.  The Home Affordable Foreclosure (HAFA) program is designed to help those who have been unable to complete a loan modification and must sell the home due to financial hardship.  The HAFA program is for those borrowers who are owner occupying as the primary residence.  Call us if you would like more information about this program.

Steve Clark has been a Real Estate broker since 1982 and has closed over $100 million in real estate transactions. Please call him any time on his cell phone to discuss your real estate needs. 209-608-0742 cell or email him at
BRE license No. 00770134

Kelly John Ginger Francisco Frank
Kellie Mai Tran
BRE# 01203108
(209) 679-5753

She lives in Lathrop and knows the local market - contact her at
John B. Harris, Jr.
BRE# 01452084
(510) 282-9608

you can contact him at
Ginger Cline
BRE# 01891953
(209) 679-4752

you can contact her at
Francisco M. Garcia
BRE# 01260265
(408) 504-4384

you can contact him at
Frank Cavaco
BRE# 01226692
(209) 612-7294

you can contact him at