Short Sale Help
We have short sale options available that will help you sleep at night. Have you been denied for a loan modification or just realize that your house value will not recover and you want to sell to avoid foreclosure? Aer you going through a divorce or other life event that requires you to move? If you want to sell your home but you are upside down and can not afford to sell, we can help. We know the economy is tough and job losses are out of control and you feel there is no help. We are here to let you know you are more than a statistic and we really want to help you avoid foreclosure. Even if you are in foreclosure there are still options available to allow you to sell your home with out paying a penny in most instances and in some instances your bank will pay up to $ 3,000 in moving expenses. We are a company that is not new to short sales and we have a network of highly trained real estate agents that can help. Stop worrying about selling your home because you are upside down, we have strategies in place to help you sell fast. I know how you feel and this is not the end of the world but an opportunity to turn the page on what has become a burden and not even close to the American Dream. We work with homeowners just like you everyday that just want out. Please do not give up hope and walk away there are options available to keep you from ruining your credit with a foreclosure or even worse a bankruptcy.
Short Sale Process
The short sale process is a little different in every state and with each and every bank. That is why we have a network of real estate agents that specialize in assisting homeowners with short sale help. Below are the basics of the short sale process.
- Once you miss your first monthly mortgage payment you go into the collections department, your lender (servicer) will in most instances begin calling and sending letters. They will harrass you and with some collections companies call you names... You can start short sale process at this time.
- After missing your second monthly mortgage payment, your lender (servicer) will continue with the harassing phoone calls and sending letters. I know the calls can be annoying but you need to stay in contact with your lender. There are still options to pay to keep from falloing another payment behind and in some instance put you on a repayment plan. You are still in the collections department. You can also start short sale process at this time.
- After missing your third monthly mortgage payment, you will be sent a demand letter (Notice to Accelerate) stating you have to pay the entire past due balance within 30 days and they will not offer the option of making payments you must pay it all or try to get a workout plan. You are still in collections if you request a workout collections has the ability to work out a repayment plan with you but not a loan modification or other complex plan. If you need more than a repayment plan you then have to send in documents and work with the loss mitigation department. You may also start short sale process at this time. If the payments are not made to bring th eloan current or no other workout plan is processed, your lender (servicer) may begin the process of foreclosure.
- Once foreclosure starts it is still not to late to request a short sale. In some states you are given 20 days to anser the foreclosure suit before a judge. During foreclosure the past due balance continues to increase and attorney fees start stacking up. Once the 20 days have expired in most states they hold a final summary judgement hearing which can be a month later or longer depending on how busy the court is in your county. You are still request a short sale
- The final summary judgment hearing the judge sets the foreclosure sale date and begins the process of selling the house at the sherriff sale. It is still not to late to stop the sale with a short sale. You just have to move exceptionally fast.
We can and will help you get a short sale any time during the process before the sale. Contact us today for professional short sale help.
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