Your Real Estate Short Sale
Is Your Home Worth Less Than You
Owe On It? Do You Want To Sell?
A Short Sale could be your best option... if you can show you can
no longer afford your house payments.
You probably qualify for a Short Sale if you
are having difficulty making mortgage payments due to any of these changes in
your financial or health situation:
You or your spouse lost your job.
You had to take a lower paying
Your work hours were reduced.
You have new, big family medical
You have new family caregiver
You are going through a divorce.
One of you died, reducing your joint
You have to move to take a job
You must move to take a new
You are otherwise delinquent in your house payments and
If any of those situations apply to you, we
can help you. There is no charge for our
at that list.
You don't have to be totally destitute to qualify to get out from your mortgage. The rules have become more and
more liberal as the banks and government see the advantages of relieving homeowners of onerous debt. A Short
Sale can relieve you of hundreds of thousands of dollars of debts in exchange for modest negative credit
rating hits for a few years.
In over 75% of those
cases a Real Estate Short Sale has turned out to be the homeowner's best option, provided it was handled
by an experienced Short Sale Realtor.
the managing broker for American Short Sale Advisors, has been a licensed Realtor for over twenty
years. She and her
associates formed American Short Sale Advisors specifically to help homeowners in financial trouble with
homes valued below their mortgage balances.
Over the years
we have developed an
outstanding database of Realtors experienced in negotiating and expediting the tricky waters of lender
demands and federal relief programs. By referring homeowners to those specialists, we
are able to operate without charging the homeowner for her
Each case is treated individually, with discretion and respect for
your privacy. Information is shared only with a referral Short Sales Realtor unless you specifically request
otherwise. We receive our fee from that Realtor only if
they are successful in helping you sell your home.
Time is your biggest challenge. It is important to get out and done
before you face foreclosure and bankruptcy. The Short Sale Realtor you use can make or break your
success in getting your home through the Short Sale process in a timely
You are not
Literally millions of prudent homeowners have seen their home equity
evaporate through no fault of their own.
Our Federal government, earlier in the last decade, encouraged
easy-money mortgages, creating a huge home value inflation bubble that finally burst.
Honest working people needed homes for their families. The only
homes available were going for irrationally inflated prices. It was either pay that amount or not have a decent place for the family to
When the bubble burst and prices sank back to reasonable levels all
those homeowners found themselves owing mortgages well over the market value of their home.
All this has had the effect of blocking homeowners from being
able to afford to sell and get out from under their mortgage when a personal health or financial crisis
To learn more, read through the articles linked on the left. If you
think we can help you, call us or click this More
Information link and we will discuss the situation. There is no charge.
If you are behind in your mortgage and you are unable to keep up the
payments, there are four ways to address the problem. Each has its pros and cons. Follow the links at the
left to learn more about each process.
You and your lender discuss your situation and mutually agree to
adjust your monthly loan payments. Nice idea, but lenders are seldom willing to modify loans sufficiently to
solve the problem. They are usually only extending your misery.
Your lender gives you permission to sell your home for market value and accepts the amount as full payment. Short
sales gain more rapid approval when they are brought to the lender by an experienced Short Sale
We support the Short Sale approach as a reasonable way to completely solve the problem, avoid the embarrassment of
foreclosure and bankruptcy... and to get on with your life with the least impact on your credit
Deed in Lieu of
Rather than letting your home go through foreclosure, you surrender ownership, handing over the
You stop paying and wait to be evicted.
In our experience the most successful of those processes is the Short
Sale. Short Sales gain more rapid approval as long as they are brought to the lender by an experienced
Short Sale Realtor.
Short Sales have much less of an impact on your credit rating than going through either foreclosure