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FREE Short Sale Consulation Hotline: 310-562-0310. Call today.
If you are facing foreclosure and you can no longer afford your home, you may qualify for a short sale, even if you don't think you can or don't think your home can be sold in today's market.
What is a Short Sale?
A Short Sale, also known as a pre-foreclosure sale, is when you sell your home for less than the balance remaining on your mortgage. If your mortgage company agrees to a short sale, you can sell your home and pay off all (or a portion of) your mortgage balance with the proceeds. You may also be eligible for the government's Home Affordable Foreclosure Alternatives Program (HAFA) which offers incentives for sellers to complete a short sale.
A short sale is an alternative to foreclosure and may be an option if:
- You are ineligible to refinance or modify your mortgage
- You are facing a long-term hardship
- You are behind on your mortgage payments
- You owe more on your home than it’s worth
- You have not been able to sell your home at a price that covers what you still owe on your mortgage
- You can no longer afford your home and are ready or need to leave
What are the benefits of a Short Sale?
- Eliminate or reduce your mortgage debt
- Avoid the negative impact of a foreclosure
- Start repairing your credit sooner than if you went through a foreclosure
- May be able to get a Fannie Mae mortgage to purchase a home sooner (in as little as 2 years) than if you went through foreclosure (at least 7 years)
- No out of pocket costs! Your lender covers your closing fees including realtors' commissions
HAFA Short Sale Program Information
HAFA stands for Home Affordable Foreclosure Alternative, which is the government's remedy for the current real estate downturn. HAFA aims to help homeowners with upside down mortgages to wipe out their debt and move on with their lives. Under the HAFA program, homeowners can avoid foreclosure, sell their homes at the current market price, which is likely much lower than their mortgage amount, without ever paying back the lenders for the deficiency, without paying for real estate commission, and the best part is, the government will pay the homeowner $3,000 for a completed Short Sale!
Why consider a HAFA Short Sale?
There are many benefits to doing a short sale, especially under the HAFA program. It is a permanent solution to help relieve your financial hardship. Most of our clients contact us after they attempt loan modification with their lenders and get denied. Don't just let the house go to foreclosure, there are many serious consequences of having a foreclosure on your record. It will hurt you in the long run much more than you may think.
The following is a comparison table of Foreclosure vs. a HAFA Short Sale:
|
TAKE NO ACTION (Foreclosure)
|
TAKE ACTION NOW (HAFA Short Sale)
|
|
Eviction from Your Own Home! SEVERE IMPACT on your credit report for up to 10 years Prevent you from buying another home for MANY YEARS Stop you from getting any new loan Your employment may be affected; government workers can lose their national security clearance Possible Deficiency Judgment on your debt
|
STOP the Foreclosure process, and postpone the Auction date
The Government Pays You up to $3,000 for Relocation Cost for Short Sale! Avoid Bankruptcy Little Impact on credit compared to Foreclosure Credit Recovery in 2 years or less! Settlement of Your Loan No Out of Pocket Cost! Stay in your home until the bank goes through offers that take months |
Why work with us?
With our expertise (Certified Distressed Property Experts®, Pre-Foreclosure Specialist Certification) and knowledge of the local Real Estate market, we can offer you the best solution to help you avoid foreclosure with minimum hassle in the fastest time possible.
Here is Our Proven Track Record of Recently Closed Transactions:
Street Name, City
Home Specs
Loan Owed*
Sold Price
Debt Forgiven
214th St, Carson
3-Bed Home, 1225 Sqr Ft
$349,415
$210,000
$139,415
Monterey, Hermosa Beach
2-Bed Townhome, 1286 Sqr Ft
$794,322
$560,000
$234,322
Clair Del, Long Beach
2-Bed Condo, 778 Sqr Ft
$298,964
$99,000
$199,964
Village Rd, Lakewood
3-Bed Home, 1396 Sqr Ft
$554,194
$340,000
$214,194
Deerford St, Lakewood
2-Bed Home, 868 Sqr Ft
$418,154
$290,000
$128,154
182nd St, Torrance
3-Bed Townhome, 1371 Sqr Ft
$450,498
$369,000
$81,498
Ocean Bl, Long Beach
2-Bed Condo, 960 Sqr Ft
$584,469
$300,000
$284,469
Casimir Ave, Gardena
3-Bed Home, 1532 Sqr Ft
$525,034
$340,000
$185,034
Zephyr Ave, Harbor City
3-Bed Home, 1614 Sqr Ft
$590,420
$420,000
$170,420
Josie Ave, Long Beach
3-Bed Home, 1966 Sqr Ft
$748,308
$558,000
$190,308
Peony Cir, Buena Park
3-Bed Home, 1268 Sqr Ft
$529,820
$350,000
$179,820
Meyers, S. Bernardino
3-Bed Home, 2459 Sqr Ft
$398,048
$230,000
$168,048
Elm Ave, Long Beach
1-Bed Condo, 798 Sqr Ft
$320,850
$160,000
$160,850
Los Feliz, Buena Park
3-Bed Home, 1727 Sqr Ft
$529,139
$365,000
$164,139
Raymond, Gardena
2-Bed Condo, 1101 Sqr Ft
$230,354
$165,000
$65,354
Whitaker St, Buena Park
3-Bed Townhome, 1281 Sqr Ft
$504,375
$280,000
$224,375
Fries Ave, Carson
3-Bed Home, 1314 Sqr Ft
$535,148
$280,000
$255,148
145th St, Gardena
2-Bed Condo, 1002 Sqr Ft
$352,216
$150,000
$202,216
Yale St, Ontario
3-Bed Condo, 1253 Sqr Ft
$316,152
$158,000
$158,152
Ruhland Ave, Redondo Beach
4-Bed Townhome, 2069 Sqr Ft
$643,600
$600,000
$43,600
211th St, Lakewood
4-Bed Home, 1440 Sqr Ft
$587,183
$375,000
$212,183
210th St, Torrance
3-Bed Home, 992 Sqr Ft
$456,800
$315,000
$141,800
1st St, San Pedro
3-Bed Home, 972 Sqr Ft
$416,186
$300,000
$116,186
*Loan owed include the first and second loan balance, the delinquent payments and penalties
We have worked out short sale negotiations with the following lenders (but not limited to):
If you want a way out of your “upside-down” home and FREE Yourself from the huge debt, the collection calls, and dealing with your lender, please call us today for a FREE Consultation. You need to seek help from trained experts with years of experience. We are NOT your average Realtors who can only sell your home when there is equity. We can answer your questions regarding any offers that you might have received from your bank regarding any loan modification.
CALL US NOW for a No Obligation/FREE Consultation!
Call Joe at 310-562-0310 or by e-mail
Call Joe at 310-562-0310 or by e-mail
Please fill in the following form to instantly download the Should I Short Sale My Home? eBook: 
You will also instantly receive copies of a sample Hardship Letter for Short Sale, sample Short Sale Approval Letter, Short Sale Package Instructions, Short Sale Tax Exemption Tax Bill Information in PDF format.
We will also call you back and provide you a personalized market value assessment of your home within 24 hours, when you complete your home information and address.
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