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Many homeowners are staring down the barrel of a mortgage payment beyond their range of affordability. Unfortunately, refinancing will only help those that have enough equity to get a new loan. What option does a homeowner have to avoid foreclosure...?

Short Sale!

Short Sale Defined

A Short Sale occurs when a home is sold and the sales proceeds do not fully pay off the loan or loans on the property and one or more lenders accept a discounted payoff and allow the sale to close escrow.

Because lenders are not obligated to accept discounted payoffs the success of a Short Sale transaction is
generally achieved through the skill and hard work of the Real Estate Professional handling the transaction.

Why Do Short Sales Work?

First, banks and lending institutions don't like bad loans on their books. Short sales work because they reduce Lender losses on seriously at risk loans.
By approving a Short Sale the lender avoids the cost associated with foreclosing on and then managing and reselling the Home. Lenders are not in the real estate business, at least they don't want to be. At the end of the day, Lenders don't want to own real estate and they want to minimize losses when loans become delinquent. That's why Short Sales work.

How Do I Benefit from a Short Sale?

A completed foreclosure is the worst thing that can happen to your credit - worse than an account charge-off, worse than bankruptcy.
For the seller that is facing foreclosure, the credit disaster of a completed foreclosure is avoided. Avoiding foreclosure also allows the homeowner to get the property sold in an orderly fashion without having to worry about the Sheriff visiting or getting hassled by the lender to move out.

Furthermore, the following are more potential benefits:

  • You may be eligible under Fannie Mae guidelines to buy another home in 2 years instead of 5 to 7 years.
  • You may continue to live in your home throughout the short sale process
  • You will be relieved from the burden of excess mortgage debt
  • Avoid the embarrassment of a foreclosure on your credit report

Don't Run Out Of Time!

Please Contact Me Today to Set Up a
(209) 479-3432 or email me at

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DRE Agent Lic. No. 01158536

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