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Avoid Foreclosure & Bankruptcy, Save your Credit, &
Walk Away with No debt  & NO Fees


If you owe more on your home than it is worth and you are having a hard time making your mortgage payments, it may be time to short sell. I can sell your home and negotiate the best outcome for you regardless what lender you have and how close you are to foreclosure. I have connections to the top negotiators with all the lenders to give your file the attention you deserve and save your credit from foreclosure or bankruptcy.

IS THIS MY DREAM HOME?
If this is your dream home then maybe a modification will benefit you, but consider, a modification only temporarily lowers your interest rate but does not reduce the principle. 95% of modifications end up in foreclosure.

HOW DO I GET A FRESH START?

First you need to get rid of the 800 ton gorilla (your mortgage). By doing a short sale your can reduce the impact on your credit and get back into home ownership in as little as 18-24 months.

HOW MUCH IS A SHORT SALE GOING TO COST?

You pay absolutely nothing, no commissions, no closing costs, no back taxes and no repairs.

HOW LONG WILL THIS BE ON MY CREDIT?
A short sale will typically show on your credit for up to 24 months, a foreclosure 5-7 years and bankruptcy is 11 years PLUS!

WILL THE LENDER COME AFTER ME FOR MORE MONEY?

There is NO RECOURSE from your first and/or second lien holder.

WHAT LENDERS HAVE YOU WORKED SHORT SALES WITH?

We have build strong and reputable relationships with Aurora, American Home Servicing, Bank of America, Chase, Countrywide, Citi, SPS, First Franklin, Indymac, National City, Wilshire, Wells Fargo, Washington Mutual, Wachovia and more…

WHY SANDIEGODREAMHOMES? We are Experts in the Short Sale Process!

Traditional Realtors do not have the lender relationships that we have.  My concern is the outcome on your credit and to reduce any possible deficiency amount. I will give you the personal attention and respect you deserve, you are my client and I have a fiduciary responsibility to you.  My goal is to get you qualified for home ownership again in 24 months or less so your next home is more affordable. The best person to discuss your present situation with is someone who has personally experienced the same/and or similiar difficulties at one time or another. I can offer you this service.

What is a short sale?

A short sale is a transaction in which the lender, or lenders, agree to accept less than the mortgage amount owed by the current homeowner. In some cases, the difference is forgiven by the lender, and in others the homeowner must make arrangements with the lender to settle the remainder of the debt.

Why is the number of short sales rising?

Due to the recent economic crisis, including rising unemployment, and drops in home prices in communities across the nation, the number of short sales is increasing. Since a short sale generally costs the lender less than a foreclosure, it can be a viable way for a lender to minimize its losses.  A short sale can also be the best option for a homeowners who are “upside down” on mortgages because a short sale may not hurt their credit history as much as a foreclosure. As a result, homeowners may qualify for another mortgage sooner once they get back on their feet financially.

What challenges have short sales presented for REALTORS®?

The rapid increase in the number of short sales, and the short sales process itself present a number of challenges for REALTORS®. Major challenges include:

  1. Limited experience Many REALTORS® are new to the short sales process; a difficulty which is compounded by many lenders’ lack of sufficient and experienced staff to process short sales. Even if the REALTORS® are experienced, most servicers are under-staffed and still not adequately trained, making negotiating a short sale particularly difficult.
  2. Absence of a uniform process and application Until HAFA guidelines were established, both short-sales documents and processes were lender-specific, making it very difficult and time-consuming for REALTORS® to become knowledgeable and efficient in facilitating these transactions.
  3. Multiple lenders When more than one lender is involved, the negotiations are much more difficult. Second lien holders often hold up the transaction to exert the largest possible payment, in exchange for releasing their lien, even though in foreclosure they will get nothing.Pla

Please call me at 760-613-0148 for a private consultation, and be assured there is no obligation for this service.  If more convenient I can be emailed at michelle@sandiegodreamhomes.com.