MEMORANDUM ***

Leonard Bernot appeals his sentence for conspiracy to commit mail fraud in violation of 18 U.S.C. § 1349. He challenges the application of a vulnerable victim enhancement and the imposition of restitution. We have jurisdiction under 28 U.S.C. § 1291 and affirm.

1. A two-level sentencing enhancement may be imposed if the defendant “knew or should' have known that a victim of the offense was a vulnerable victim.” U.S.S.G. § 3Al.l(b)(l). The district court properly found that Bernot’s “reasonably foreseeable” victims included the Garfinkles, see United States v. Treadwell, 593 F.3d 990, 1002 (9th Cir. 2010), and that these homeowners were particularly vulnerable compared to other victims of mail fraud, see United States v. Mendoza, 262 F.3d 957, 960-61 (9th Cir. 2001).

2. The district court correctly calculated the Guideline range of 37 to 46 months and *726 articulated the 18 U.S.C. § 3553(a) factors that it considered, including avoiding unwarranted sentencing disparities, which support the 18-month sentence imposed.

3. The district court properly used the value of the victims’ lost equity in their home, $316,744.79, as the amount of restitution. See 18 U.S.C. § 3663A(b)(l)(B)(i). Bernot is not entitled to a credit against the restitution for the down payment he made on the house. See id.

4. The district court did not clearly err in ordering immediate repayment, which is the default for restitution under 18 U.S.C. § 3572(d)(1). Bernot did.not object to immediate repayment at sentencing, nor does he argue on appeal that he is unable to make immediate repayment.

AFFIRMED.