Short-Sales

Orange County Short Sale Experts

Caught in Today’s Mortgage Loan Crisis ?

If so, we have the Solutions, Experience and Determination that will eliminate your home mortgage debt problems, protect your loan worthiness, and allow you to get on with your life in a dignified and hassle free manner.   We’re NOT Lender’s trying to make you another mortgage loan… We are Attorney backed, but we do NOT require any kind of retainer fee, and Our Services are FREE to You.

It is NOT your Fault !  California’s Real Estate Crash has Hurt thousands of Home Owners.

Due to the poor local real estate market in Southern California, and the nationwide Mortgage loan crisis, many California homeowners find themselves unable keep up with their increased mortgage payments, and many times the mortgage loan debt is more then the home is worth… in other words – No Equity left in the property. The mortgage bankers are unable to modify the loan or reduce the payments, nor re-finance the home. Unfortunately, many homeowners give up, because they think there is nothing they can do to stop the Foreclosure of the home. Well, there IS something you can do that’s far better then a Foreclosure… it’s called a Short Sale.

Today in California, 50% of all Mortgage Loan Foreclosure solutions with Banks are resolved through the Short Sale process.

During a Short Sale, our Team of experts have persuasive negotiations with your mortgage Banker(s), on your behalf. Utilizing our expertise and vast experience, we are able to convince the Mortgage Bank(s) to reduce your loan balance on the home, in most cases.  This allows us to then sell your home quickly to another Buyer, versus allowing the Bank to Foreclose on your home which would ruin your credit and cause undue embarrassment. You may ask yourself  “Why should I care, for I have no more equity left in my house ?”… Well, the fact is there are several important reasons why a Short Sale is far better for you compared to Foreclosure… Here’s why:

1.) SHORTER PERIOD OF DAMAGED CREDIT: A Foreclosure will stay on your credit report for 7 years, but a bank Short Sale will typically only last about 3 to 4 years on your credit report.  And, our Credit Repair Associates can often get the Short Sale removed much sooner then that.

2.) BETTER FICO SCORE: A Foreclosure more negatively affects your FICO score which is the all important credit rating number mortgage lenders use to determine if they will loan money to you or not.  Many mortgage experts believe that a Foreclosure will drop your FICO score by 100 to 200 points more then a Short Sale does. If you want to borrower money in the next 5 to 7 years for a car, boat, or a home, then the Short Sale will make a big improvement.

3.) MUCH SHORTER DELAY TO RENEWED LOAN WORTHINESS: Fannie Mae (FNMA) recently changed their underwriting policy.  This new policy now requires a past homeowner to wait 5 years after a Foreclosure Sale before FNMA will underwrite a new loan.  But, if the homeowner conducted a Short Sale, then the wait time for a new loan with FNMA is just 2 Years !

4.) PROBABLE RELIEF FROM HELOC 2ND MORTGAGE: If you have a 2nd TD HELOC mortgage, and the 1st Mortgage Bank were to Foreclose, the 2nd TD HELOC loan is not deleted from your debts as a “purchase money” 2nd TD would be.  In these situations, the 2nd TD HELOC loan becomes unsecured debt, and the HELOC mortgage bank may take other legal means to collect their debt.  During a Short Sale, we are often able to negotiate with the 1st Lender and the 2nd HELOC lender, to highly reduce or eliminate the HELOC loan debt and thereby avoid legal debt liabilities.

5.) DIGNIFIED SOLUTION: During a Short Sale, you decide to sell your home to another potential home buyer – just like your neighbors have over the years. It is a relatively pleasant and dignified resolution to a very tough situation. On the other hand, after the Foreclosure sale, a Bank representative comes by the home to lock up the doors and windows and change the locks, and if you are still there, they contact the local Sheriff to have you forcibly  evicted. Then the home sits vacant for several months as the grass gets brown and the trash and the papers collect in the yard. The agent for the bank usually slaps ‘Bank Foreclosure’ signs all over the property while the house sits empty waiting for a sale. This happened to my home 14 years ago and it was very embarrassing to me for my friends and neighbors to witness.

6.) EASIER TO FIND NEW HOME: If you are like most people in this situation, you will be looking for a home to rent after this issue is resolved. It is easier to find a nicer home to rent if you conduct a Short Sale versus a Foreclosure. Most property managers obtain a credit report . A Short Sale whereby you cooperated with your bank to resolve the situation is much better then a Foreclosure on your credit report. Often times, this will allow you to rent a home in a better location with a lower rent payment.

7.) MOVING ASSISTANCE: We can negotiate with our affiliate service providers to assist you with your moving and relocation plans, which will save you money and hassles. Give us a call for details in this regard.

The longer you wait, the harder it is for us to help.

The Short-Sales-ASAP team of experts consists of  Bank Negotiators, an Attorney, a Real Estate & Internet Marketing experts, Listing and Sales experts, and Transaction Coordinators. Our team experience goes back to the mid 1990’s when southern California experienced it’s last major real estate down turn in the local real estate market. Best of All our services are FREE to you, for we negotiate our fee with the Bank.

We have helped numerous homeowners in the counties of Orange, Los Angeles, Riverside, San Bernardino, San Diego, and elsewhere in California, and we can help you as well. Don’t trust your home Short Sale with just any Realtor !!   You may only have one shot at this, and there is a lot riding on the successful negotiations with your Bank and subsequent sale of your Home.  We’re an experienced Short Sale team… We’re licensed Brokers in the State of California, and we’ve been working in the real estate industry with Short Sales, Foreclosures and Bank Owned properties since 1993. … We’ve negotiated with many Banks and Savings & Loans officers to reduce loan balances or postpone foreclosures, or to re-structure loans on the behalf of the home owner… In short, we’ve been involved in every facet of the Shot Sale and/or Foreclosure process and we’re here to help you with your mortgage loan crisis.

Most importantly time is of the essence. If Foreclosure proceedings have started on your home, then you have only 3 months and 3 weeks before your home is sold at the public Foreclosure Auction on the courthouse steps. Now our team of experts can often get the foreclosure to be delayed, but only if you call us. Please don’t hesitate, or sit in hope that your financial fortunes will significantly change in the next 2 months like I did 14 years ago.  Yes, I may know what you may be going through, for I lost my home through Foreclosure in 1995… We’re here to help you prevent the mistake that I made long ago.

Please give is a call TODAY, so we can begin to help you TOMMORROW.  Call us at:   888-201-7066 we are easy to talk too, or drop us an email at:  Info@ShortSalesASAP.com , or Text Message at:  949-254-4775. We’ll keep the conversation and your situation in strict confidence.  If you prefer, contact us by filling out the form above.

We have been Interviewed by the following News Organizations:

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Below is a list of a few of our Short Sale successes. This Table shows before Loan Debt and after Short Sale Price.