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Short Sale Representation


If you are considering a short sale on your home, cityhomeCOLLECTIVE may be able to help.  We have a team that can support you and help guide you through what could be a frustrating and challenging process.

We will meet with you to fully explain the process, along with the risks and benefits of pursuing a short sale. we’ll answer such questions as:

  • when should you pursue a loan modification vs. a short sale?
  • what is the difference between a short sale and a foreclosure?
  • what are the benefits of a short sale?
  • what are the risks of pursuing a short sale?
  • how long will a short sale typically take?
  • what will be the impact on your credit score and your ability to secure a new mortgage?
  • what are the tax implications and considerations?

We will also address any other concerns you have — either clarifying them for you in the meeting or connecting you with other professionals who can provide detailed legal or tax guidance.

The first step in the process is to determine whether or not you might qualify for a short sale with your bank. If you can not answer “yes” to all four of the below requirements, you may not qualify for a short sale.

  1. your home’s market value has dropped.
  2. your mortgage is in (or near) default status.
  3. you have fallen on hard times (i.e. unemployment or a reduction in income, divorce, medical emergency or sudden illness, bankruptcy, death of a primary income earner).
  4. you have no (or few) assets.

If you do qualify, you will need to complete a short sale package.  This is a document-intense process, requiring copies of bank statements, retirement account statements, tax returns, pay stubs, w2′s, and mortgage information release forms on top of the “normal” real estate sales contract requirements.

While this may seem like a daunting process, that is where our expertise comes in handy.  We will make sure that all of the documentation is in order, communicate with your lender(s), prepare and present offers to your lender(s), and negotiate with your lender(s) to resolve this tough situation in the most positive manner possible.

When you are ready to discuss your options and our services, let us know. we are hear to help.

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