Bernie Ryerson
Michelle Yegsigian
Regency Real Estate Brokers
25950 Acero Suite 100, Mission Viejo, CA  92692
Phone: 949-294-1147, Fax:  949-588-6239
The Award-WinningTeam
Orange County, California
          

Condos To Ocean Front Homes
Orange County Has It All!
 
Listing Your Property?   click here
Buying A Property?  click here
 

Whether you are looking to purchase your dream  home or selling your present home for top dollar, Bernie and Michelle have the means to make it happen. Their expertise of  32+ years in Orange County real estate can guide you through any transaction – equity properties, short sales foreclosures, bank-owned REO’s – no problem.

Do you know someone relocating to Orange County or have a referral? Bernie and Michelle have resources and financial service partners that can make the transition a smooth one, and you can be rewarded.  Ask us how!


Foreclosures and Short Sales
Free Short Sale Lists click here
Free Bank-Owned REO Lists click here
Options To Leave Your Home click here
Options To Stay In Your Home click here
What Is A Short Sale click here
What Is A Bank-Owned REO click here
The Foreclosure Process click here
Beware of Foreclosure Scams click here
Housing Counselors click here
Credit Consequences of A Foreclosure click here
Understanding Your Credit Score click here
The Short Sale Package click here
Listing A Short Sale Property click here
Buying A Short Sale Property click here
Do You Qualify For FREE Government Mortgage Programs
Home Affordable Mortgage Program (HAMP)  click here
Home Affordable Refinance Program (HARP)  
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Keeping Your Home California (CALFHA)   click here  
What Is A Short Sale Anyway
Is Your Home Under Water
Not All Short Sale Agents Are Equal 
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 South Orange County Cities & Real Estate

Aliso Viejo Commiunities and Real Estate  click here
Canyon Crest Communities and Real Estate  click here
Dana Point Communities and Real Estate  click here
Laguna Beach Communities and Real Estate 
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Laguna Hills Communities and Real Estate  click here
Laguna Niguel Communities and Real Estate  click here
Lake Forest Communities and Real Estate 
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Mission Viejo Communities and Real Estate  click here
Newport Beach Communities and Real Estate  click here
Rancho Santa Margarita Communities and Real Estate  click here
Trabuco Canyon Communities  click here
San Clemente Communities  click here  

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Seller's If you're planning to sell your home in the upcoming months, this FREE service is designed to help establish your home's current market value.  We will use comparable sold listings and available listings to provide you with the value of your home. Our values your loyalty and appreciates your confidence!  

Buyer's Automatically receive personalized MLS listings by e-mail. We will search the local MLS and find the homes that match your criteria and notify you immediately with the latest listing information!! Simply choose 'Search For Listings' and fill in the requested information. Also, you may view Our Listings or search the listings yourself at Our Listings or Search All Listings .

Relocating Bernie and Michelle have been area residents for nearly 25 years and has the support of Regency's Relocation services. They can answer any questions you may have regarding your relocation needs.


Real Estate and Foreclosure - REO - Banked Owned Properties


REO vs Foreclosure
 
An REO (Real Estate Owned) bank owned is a property that goes back to the mortgage company after an unsuccessful foreclosures in real estate auction. You see, most real estate opportunities reo or foreclosure auctions do not even result in bids. After all, if there was enough equity in the property to satisfy the loan, the owner would have probably sold the property and paid off the bank. That is why the property ends up at a foreclosure, reo real estate owned or trustee sale in Orange County. Bank short salesHow to short sale Buying Short Sales Short Sale How To Short Sale Bank Foreclosure HudHome Foreclosure Free Foreclosure Listings  REO Countrywide Sheriff Sale Bank REO Bank REOS  Deed In Lieu of Foreclosure houses for salehouse for salereal estatehomes 4 sale for sale by owner property sale properties for sale homes salehomes for sale home for sale    orange county foreclosures foreclosure houses for sale
 

Real estate property foreclosures and bulk sales
begin with a minimum bid that includes the loan balance, any accrued interest, plus attorney's fees and any costs association with the foreclosure process and reo bank owned real estate. In order to bid at a foreclosure auction, you must have a cashier's check in your hand for the full amount of your bid. If you are the successful bidder, you receive the property in "as is" condition, which may include someone still living in the property. There may also be other liens against the reo owned property. Since what is owed to the bank is almost always more than what the property is worth, very few bank owned real estate auction result in a successful sale. Then the property "reverts" to the bank. It becomes an Orange County REO, or bank owned real estate property.   Foreclosure process

Real Estate property foreclosures include Notice of Defaults, Short Sales, Real Estate Auctions, Deeds In Lieu of Foreclosure, Estate Foreclosures, Estate Sales, Bank-Owned (REO) involving single family homes, townhouses, condos, duplexes, residential income and estate properties, estate foreclosures 1-3 Units, 4-6 Units, 6+ Units


It is strongly recommended that you seek a real estate attorney or tax advisor for any real estate property foreclosure questions.

 

 
 
              
 
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