Sandy's Journal

Simply put, a short sale is a real estate transaction where the homeowner owes their lender more than what their property is worth and they need to sell. In a short sale, the lender must approve and accept less than what they are owed as full payoff (this means they may settle for $275,000, even if you currently owe them $425,000...even if the loss is hundreds of thousands of dollars).

Are you facing a financial hardship that you know will decrease your income?

Are you getting behind on your mortgage and you're not sure if you can catch up?

Or do you just need to sell quickly but your home is worth less now than when you bought it?

If you are facing any of the situations above, and you think a short sale might be your best option, then read on. If you're still not sure and just want more info, then scroll to the bottom of this page and request a free copy of our article "The 9 Alternatives When Facing Foreclosure"

Don't worry. It's not your fault...

You gotta remember, we've all had our ups and downs in life and a lot of other good people are also in the same tough spot as you. Life seems scary when you're facing the reality of foreclosure and I know how you feel when you just don't want to answer the phone any more...

We all agree that we're in the middle of a national mortgage crisis and that, in many cases, homeowners who have bought or refinanced in the last few years have been seriously abused by unethical lending practices!!

You bought your home and hoped (like we all did) that it would increase in value (and some folks were even promised it would!), but most likely the harsh reality is that now your home is worth less than when you bought it and the value is still declining sharply.

We've helped hundreds of homeowners in this position to get the help they deserve. We've also helped train hundreds of real estate professionals locally on the short sale process.

It's sad but true!

Did you know that nearly 90% of the homeowners nationwide who try to "short sale" their home will end up losing their home to foreclosure due to an uneducated or lazy agent?

Don't allow this to happen to you!

I hate to say this about my fellow agents, but the majority of them that are "trying to help" have not been properly trained and sadly, they are misinformed as to how to even negotiate with lenders. Some even get so far as to submit your 'short sale packet' and then just sit back and wait for a response! In the end, they simply don't know how to help you and you will become one of those "90%" that were not helped.

"Short sales are not easy!"

The team of seasoned professionals we work together with has successfully negotiated short sales for many families. We actually get the banks to say YES to our short sales. Before you agree to have an agent help you sell your home, ask him/her to show you just one short sale approval within the last 6 months... I doubt they can.

Now it's up to you...

I am ready, along with my team of experts, to go to battle for you. Are you ready to take a serious look at your options and see how a short sale can help you?

• Avoid paying TAXES on the money the bank loses at foreclosure! (Yes, you may have to pay taxes on the amount of loss to the bank if the home goes to foreclosure!)
• Save your credit from the "Foreclosure" ding
• Avoid Bankruptcy
• Avoid Foreclosure
• Relieve the stress that this financial burden has become

Not all agents can do a short sale and not all people qualify for our help. We are here for you if your situation meets the following criteria:

• You have a valid hardship
• You have little or no equity in your home
• You are unable (or soon will be unable) to pay your bills on time
• You want to work with an expert

If you're not sure and just want to find out if you qualify, give me a call and I will walk you through your options. Believe it or not, you may just need help getting a temporary reduction in your payments to 'catch up'. In any case, call me to talk about the several options that you may not be aware of.

If you don't know what else to do and you don't call me at (248) 539-0435, what will it cost you in damaged credit, frustration and stress? If I am unavailable when you call, send me a text message on my Blackberry at (952) 314-8969.

We know how you feel and We can help.