Learn How the NAR Settlement Impacts Sellers and Get More Offers

Facing Foreclosure?
There's a Better Path Forward

We understand this is one of the most difficult times in your life. You're not alone, and you don't have to face foreclosure.

A short sale can help you avoid foreclosure, protect your credit, and move forward with dignity. Let us guide you through every step.

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Understanding Your Short Sale Options

Click each topic below to learn more about how a short sale works and why it may be the right choice for you.

Who Can Benefit From a Short Sale?

A short sale might be right for you if you're experiencing any of these situations:

💼 Job Loss or Income Reduction

Lost your job or experienced a significant cut in income? You're not alone. Many homeowners face unexpected financial hardship.

🏥 Medical Expenses

Facing overwhelming medical bills? Healthcare costs can quickly become unmanageable, even with insurance.

💔 Divorce or Separation

Going through a divorce? This life change often makes it difficult to maintain mortgage payments on your own.

📉 Property Value Decline

Is your home worth less than what you owe? Being "underwater" on your mortgage is more common than you think.

If any of these situations apply to you, a short sale could provide the relief and fresh start you need.

What Is a Short Sale?

A short sale is when your mortgage lender agrees to accept less than the full amount owed on your home loan. This allows you to sell your property and avoid foreclosure.

How It Works:

  1. Assessment: We evaluate your financial situation and determine if you qualify
  2. Negotiation: We work with your lender to approve the short sale
  3. Marketing: Your home is listed and marketed to qualified buyers
  4. Sale: Once sold, your lender accepts the proceeds as full payment
  5. Relief: You're released from the mortgage debt and can move forward

The Best Part: In most cases, you won't owe the lender any remaining balance after the sale. This is called a "deficiency waiver," and we work hard to secure this for you.

When Should You Consider a Short Sale?

⏰ Timing Matters!

The sooner you act, the more options you have. Don't wait until you've missed multiple payments or received a foreclosure notice.

Consider a Short Sale When:

✓
You're behind on payments or struggling to make them each month
✓
You owe more than your home is worth (underwater or upside down)
✓
You've received a foreclosure notice but haven't gone to auction yet
✓
Your financial situation has changed and recovery seems unlikely in the near future
✓
You want to protect your credit from the severe damage of foreclosure

Even if you've already received a foreclosure notice, it's not too late. Contact us immediately to explore your options.

Why Choose a Short Sale Over Foreclosure?

A short sale offers significant advantages compared to letting your home go into foreclosure:

✓ Short Sale Benefits

  • • Less damage to your credit score
  • • Possible to buy a home again in 2-3 years
  • • No deficiency balance in most cases
  • • Avoid public foreclosure record
  • • More control over the process
  • • Maintain your dignity

✗ Foreclosure Consequences

  • • Severe credit score damage (200+ points)
  • • Can't buy a home for 5-7 years
  • • May still owe deficiency balance
  • • Public record follows you
  • • Loss of all control
  • • Emotional stress and stigma

💡 Real Impact:

Homeowners who complete a short sale typically recover financially 2-3 years faster than those who go through foreclosure. Your future self will thank you for making this choice.

Frequently Asked Questions

Get answers to common questions about the short sale process

In most cases, no. We work diligently to negotiate a "deficiency waiver" with your lender, which means you won't owe the remaining balance after the sale. This is one of the key benefits we secure for our clients, giving you a true fresh start.

The timeline varies depending on your lender and specific situation, but typically ranges from 3-6 months. We work to expedite the process while ensuring the best possible outcome. Some lenders are faster than others, but we keep you informed every step of the way.

While a short sale will impact your credit score, the damage is significantly less severe than a foreclosure. Most people see their credit recover within 2-3 years and can qualify for a new mortgage during that time. Foreclosure, on the other hand, can drop your score by 200+ points and take 5-7 years to recover from.

Not necessarily. While many lenders prefer to see financial hardship demonstrated through missed payments, some will consider a short sale if you can show imminent hardship (such as impending job loss, divorce, or medical issues). We can evaluate your specific situation and advise you on the best approach.

This adds complexity but doesn't make a short sale impossible. We have extensive experience negotiating with multiple lienholders. Both your first and second mortgage lenders will need to agree to the short sale terms. We handle all negotiations on your behalf to achieve the best possible outcome.

Yes! In a short sale, the lender pays all closing costs and commissions from the sale proceeds. You don't pay us anything out of pocket. Our compensation comes from the lender, not from you. This is standard practice in short sales and ensures you can get professional help without additional financial burden.

Get Your Free Consultation

Take the first step toward financial relief. Fill out the form below and we'll contact you within 24 hours.

Your privacy is important to us. All information you provide is strictly confidential and will only be used to discuss your short sale options. We will never share your information with third parties.

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