Avoid Foreclosure with a Short Sale.

If you are behind on your morgage or just can't make the payments any longer a Short Sale might be the answer.  If you are upside down with a home worth less than the mortgage, a short sale may help. 

A short sale occurs when a lender agrees to reduce your outstanding loan balance in hopes of facilitating a sale.   Lenders  are often willing to do this to avoid costly foreclosure procedures

How can we help?

We Can Help you every step of the way with your short sale.  This is a list of some of what we will have to accumulate to begin working with the loss mitigator to get your home sold with terms acceptable to your lender. 

• Calling the Lender
  We will identify the loss mitigation professional with your lender and co-operate with them to help get your short sale approved.
• Submitting Letter of Authorization
  We work with your lender with your permission
• • Loan Reference Number
  • Property Address
  • Name
  • Date
  • Our Name & Contact Information
• We Prepare a Preliminary Settlement Sheet
  We have to furnish a closing statement that shows the sales price you expect to receive and all the closing costs, including unpaid loan balances, outstanding payments due, late fees.
• Writing a Hardship Letter
  This is your heart felt  pleas to the lenders.  We help you prepare the letter and deliver it to the loss mitigation pros.
• Proof of Income and Assets
  We provide you with a blank financial statement to give the banks a secure feeling that they aren't allowing debt foregiveness to someone with the ability to pay easily. This along with the Hardship letter will be a big part of our case with the loss mitigator to accept a short sale with loan foregiveness.
• Bank Statements & Tax retuns
  We will need to provide bank statements and tax returns for the loss mitigation folks. 
• We prepare a Comparative Market Analysis & Brokers Price Opinion
  In a declining market, property values fall and may be the reason that you cannot sell your home enough to pay off the lender. We can show proof of this thru a comparative market analysis (CMA).
• Best of all we only charge our normal Real Estate Commissions.  Never any additional fees.  Call today for your no obligation Short Sale Analysis.

News About Short Sales

New IRS Website Section Provides Information for Those Facing Foreclosure

Is Foreclosure Undercutting the value of home ownership? 

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