One out of 25 Rancho Cucamonga homes are either bank-owned, scheduled for auction, or in what mortgage  companies call ‘pre-foreclosure" - meaning the homeowners are at least two months behind in payments, but still can get caught up, or modify their loan in some way to avoid foreclosure. 

The year 2010 will bring great opportunities for investors, "move-up" home owners, and first-time buyers and daunting challenges for all of us, especially home owners struggling to stay afloat. . 

The numbers of Rancho Cucamonga properties in trouble are startling: Throughout the city, there are 516 bank-owned homes, 686 in the final weeks before being sold at auction, and 745 homes in pre-foreclosure. Listed for sale throughout Rancho Cucamonga are 47 bank-owned homes and 159 short sales. (Short sales allow a home owner to sell the property before it is foreclosed; the lender accepts less than is owed.) 

Lenders and the federal government have devised a variety of programs to stabilize home prices and allow those who can to find a solution that will keep underwater borrowers from defaulting on their loans. With loans written in 2005 due to re-set to higher interest rates in 2010, and high unemployment, keeping home prices from eroding further and pushing even more home owners underwater is essential. 

We have devoted many hours this year to counseling home owners, both those who are struggling and those who have equity and want to move. We count among our successes Rancho Cucamonga owners who were able to modify their home loan early this year, when many lenders were still in denial and less willing to work out a solution. The satisfaction of knowing they are celebrating the coming holidays in their home, without fear, is priceless.

To help our clients, we constantly study the local home market, evaluate emerging lender and government programs to see how they will affect home owners and buyers, and strive to ensure that everyone we assist gets the very best service possible from us and everyone else involved. 

Ila is one of the first Realtors in the region to obtain the new Short Sales and Foreclosure Resource certification from the National Association of Realtors. We know Knowledge is Power and we are determined to be powerful advocates for home owners and buyers. 

If you know someone who may lose their home, please give them our telephone number. We are standing by, ready to assist. There's no charge and we may be able to help them find a solution without listing the home for sale.

Eleven Upland homes were added to those listed for sale during the week ending Nov. 15, 2009, according to the Inland Multi-Regional Multiple Listing Service and four Upland properties were reported as entering escrow during the week. 

A total of 131 Upland homes were listed for sale in the MLS on Nov. 15. Included are 93 single-family homes. There were 38 condominiums, townhomes and single-family homes in homeowner associations listed for sale in Upland on Nov. 15; 45 homes were reported as vacant.

The MLS showed 11 foreclosed, or Real Estate Owned, homes listed in Upland on Nov. 15; 37 others were in pre-foreclosure - listed as "in foreclosure," Notice of Default or Short Pay/Subject to Lender. 

Seven Upland homes were reported in the MLS as sold in the week ending Nov. 15, 2009. 

Ila Josephs, a Realtor with Tarbell, Realtors, prepares weekly reports for her website, www.ilajosephs.com, surveying  home market activity in the Inland Empire cities of Chino, Claremont, Fontana, La Verne, Montclair, Ontario, Pomona, Rancho Cucamonga, and Upland. For more information, call Ila at (909) 261-3541.

A total of 38 Rancho Cucamonga homes were added to those listed for sale during the week ending Nov. 15, 2009, according to the Inland Multi-Regional Multiple Listing Service and 26 Rancho Cucamonga properties were reported as entering escrow during the week. 

There were 330 Rancho Cucamonga homes listed for sale in the MLS on Nov. 15. Included are 213 single-family homes. There were 117 condominiums, townhomes and single-family homes in homeowner associations listed for sale in Rancho Cucamonga on Nov. 15; 121 homes were reported as vacant. 

The MLS showed 48 foreclosed, or Real Estate Owned, homes listed in Rancho Cucamonga on Nov. 15; 159 others were in pre-foreclosure - listed as "in foreclosure," Notice of Default or Short Pay/Subject to Lender. 

There were 22 Rancho Cucamonga homes reported in the MLS as sold in the week ending Nov. 15, 2009. 

Ila Josephs, a Realtor with Tarbell, Realtors, prepares weekly reports for her website, www.ilajosephs.com, surveying home market activity in the Inland Empire cities of Chino, Claremont, Fontana, La Verne, Montclair, Ontario, Pomona, Rancho Cucamonga, and Upland. For more information, call Ila at (909) 261-3541.

A total of 33 Pomona homes were added to those listed for sale during the week ending Nov. 15, 2009, according to the Inland Multi-Regional Multiple Listing Service and 18 properties were reported as entering escrow during the week. 

There were 243 Pomona homes listed for sale in the MLS on Nov. 15. Included are 178 single-family homes. There were 65 condominiums, townhomes and single-family homes in homeowner associations listed for sale in Pomona on Nov. 15; 82 homes were reported as vacant. 

The MLS showed 31 foreclosed, or Real Estate Owned, homes listed in Pomona on Nov. 15; 108 others were in pre-foreclosure - listed as "in foreclosure," Notice of Default or Short Pay/Subject to Lender.                                                                                                                                

There were 16 Pomona homes reported as sold in the MLS in the week ending Nov. 15, 2009. 

Ila Josephs, a Realtor with Tarbell, Realtors, prepares weekly reports for her website, www.ilajosephs.com, surveying home market activity in the Inland Empire cities of Chino, Claremont, Fontana, La Verne, Montclair, Ontario, Pomona, Rancho Cucamonga, and Upland. For more information, call Ila at (909) 261-3541.

A total of 34 Ontario homes were added to those listed for sale during the week ending Nov. 15, 2009, according to the Inland Multi-Regional Multiple Listing Service and 36 Ontario properties were reported as entering escrow during the week. 

A total of 244 Ontario homes were listed for sale in the MLS on Nov. 15. Included are 158 single-family homes. There were 86 condominiums, townhomes and single-family homes in homeowner associations listed for sale in Ontario on Nov. 15; 87 homes were reported as vacant.

The MLS showed 42 foreclosed, or Real Estate Owned, homes listed in Ontario on Nov. 15; 136 others were in pre-foreclosure - listed as "in foreclosure," Notice of Default or Short Pay/Subject to Lender. 

There were nine Ontario homes reported in the MLS as sold in the week ending Nov. 15, 2009. 

Ila Josephs, a Realtor with Tarbell, Realtors, prepares weekly reports for her website, www.ilajosephs.com, surveying home market activity in the Inland Empire cities of Chino, Claremont, Fontana, La Verne, Montclair, Ontario, Pomona, Rancho Cucamonga, and Upland. For more information, call Ila at (909) 261-3541.

Eight Montclair homes were added to those listed for sale during the week ending Nov. 15, 2009, according to the Inland Multi-Regional Multiple Listing Service and five Montclair properties were reported as entering escrow during the week.

A total of 43 Montclair homes were listed for sale in the MLS on Nov. 15. Included are 29 single-family homes. There were 14 condominiums, townhomes and single-family homes in homeowner associations listed for sale in Montclair on Nov. 15; 26 homes were reported as vacant. 

The MLS showed 111 foreclosed, or Real Estate Owned, homes listed in Montclair on Nov. 15; 18 others were in pre-foreclosure - listed as "in foreclosure," Notice of Default or Short Pay/Subject to Lender. 

One Montclair home was reported in the MLS as sold in the week ending Nov. 15, 2009.  

Ila Josephs, a Realtor with Tarbell, Realtors, prepares weekly reports for her website, www.ilajosephs.com, surveying home market activity in the Inland Empire cities of Chino, Claremont, Fontana, La Verne, Montclair, Ontario, Pomona, Rancho Cucamonga, and Upland. For more information, call Ila at (909) 261-3541.

Four La Verne homes were added to those listed for sale during the week ending Nov. 15, 2009, according to the Inland Multi-Regional Multiple Listing Service and two La Verne properties were reported as entering escrow during the week. 

A total of 77 La Verne homes were listed for sale in the MLS on Nov. 15. Included are 45 single-family homes. There were 32 condominiums, townhomes and single-family homes in homeowner associations listed for sale in La Verne on Nov. 15; 19 homes were reported as vacant. 

The MLS showed three foreclosed, or Real Estate Owned, homes listed in La Verne on Nov. 15; 19 others were in pre-foreclosure - listed as "in foreclosure," Notice of Default or Short Pay/Subject to Lender. 

Five La Verne homes were reported as sold in the MLS in the week ending Nov. 15, 2009. 

Ila Josephs, a Realtor with Tarbell, Realtors, prepares weekly reports for her website, www.ilajosephs.com, surveying home market activity in the Inland Empire cities of Chino, Claremont, Fontana, La Verne, Montclair, Ontario, Pomona, Rancho Cucamonga, and Upland. For more information, call Ila at (909) 261-3541.

A total of 46 Fontana homes were added to those listed for sale during the week ending Nov. 15, 2009, according to the Inland Multi-Regional Multiple Listing Service and 53 Fontana properties were reported as entering escrow during the week.

A total of 402 Fontana homes were listed for sale in the MLS on Nov. 15. Included were 377 single-family homes not in associations. There were 25 condominiums, townhomes and single-family homes in homeowner associations listed for sale in Fontana on Nov. 15; 185 homes were reported as vacant. 

The MLS showed 90 foreclosed, or Real Estate Owned, homes listed in Fontana on Nov. 15; 198 others were in pre-foreclosure - listed as "in foreclosure," Notice of Default or Short Pay/Subject to Lender. 

There were 25 Fontana homes reported in the MLS as sold during the week ending Nov. 15, 2009. 

Ila Josephs, a Realtor with Tarbell, Realtors, prepares weekly reports for her website, www.ilajosephs.com, surveying home market activity in the Inland Empire cities of Chino, Claremont, Fontana, La Verne, Montclair, Ontario, Pomona, Rancho Cucamonga, and Upland. For more information, call Ila at (909) 261-3541.

Five Claremont homes were added to those listed for sale during the week ending Nov. 15, 2009, according to the Inland Multi-Regional Multiple Listing Service and three Claremont properties were reported as entering escrow during the week. 

A total of 77 Claremont homes were listed for sale in the MLS on Nov. 15. Included were 51 single-family homes not in associations. There were 26 condominiums, townhomes and single-family homes in homeowner associations listed for sale in Claremont on Nov. 15; 23 homes were reported as vacant.

The MLS showed seven foreclosed, or Real Estate Owned, homes listed in Claremont on Nov. 15; 15 others were in pre-foreclosure - listed as "in foreclosure," Notice of Default or Short Pay/Subject to Lender. 

Four Claremont homes were reported in the MLS as sold during the week ending Nov. 15, 2009.

Eleven Chino homes were added to those listed for sale during the week ending Nov. 15, 2009, according to the Inland Multi-Regional Multiple Listing Service and 14 Chino properties were reported as entering escrow during the week. 

A total of 158 Chino homes were listed for sale in the MLS on Nov. 15. Included were 79 single-family homes not in associations. There were 79 condominiums, townhomes and single-family homes in homeowner associations listed for sale in Chino on Nov. 15; 56 listed homes were reported as vacant. 

The MLS showed 21 foreclosed, or Real Estate Owned, homes listed in Chino on Nov. 15; 85 others were in pre-foreclosure - listed as "in foreclosure," Notice of Default or Short Pay/Subject to Lender.                                                                                                                        

There were eight Chino homes reported in the MLS as sold during the week ending Nov. 15, 2009. 

Ila Josephs, a Realtor with Tarbell, Realtors, prepares weekly reports for her website, www.ilajosephs.com, surveying home market activity in the Inland Empire cities of Chino, Claremont, Fontana, La Verne, Montclair, Ontario, Pomona, Rancho Cucamonga, and Upland. For more information, call Ila at (909) 261-3541.