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Alternatives to Foreclosure
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Fidelity’s Short Sale Handbook
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Addt’l Seller Resources:
Short Or Stay Calculator (Home calculator design to give a value of your home and project when it may become an asset again.)
AZ Foreclosure Task Force Workbook
Short Sale Seller Advisory Information
SHORT SALE VS FORECLOSURE GUIDELINES (Published by CDPE February 2010)
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What is a Short Sale?
A Short Sale is an agreement with your lender to accept less money than they are owed as full payment for your loan. This solution often makes sense when you owe more than the property is currently worth. Basically, you have no time or equity to sell your home traditionally because you cannot afford to pay a Realtor, pay the difference between what it is worth today and what you owe and you can not cover your closing costs! In essence, you are “Short” what it will cost you to sell your home and we are asking the bank to approve the shortage.
- Are you facing a financial hardship?
- Are you getting behind on your mortgage and not sure what to do?
- Do you need to sell quickly but your home is worth less now then you bought it?
If you are facing any of the situations above, and you think a Short Sale might be your best option, then call us for more info on your alternatives to Foreclosure.
So, your house is in foreclosure… now what?!?
Try to look at the situation without attaching your emotions. If viewing the situation from a strictly business viewpoint, you can more successfully analyze which option might best suit your needs and desires and move you towards resolving your financial difficulty. One very important thing to remember: Time is of the essence, so sit and take serious thought of your situation and take quick action in order to allow yourself enough time to complete the chosen process.
Answer a couple ?’s here to see if we can help you
Do you have a Wachovia loan and are upside down on your house? (if so, you are lucky)
WACHOVIA’S FAST TRACK APPLICATION
FAQ’S for Wachovia’s Fast Track Program
Wachovia bank is breaking through barriers to make avoiding foreclosure much easier for homeowners in need.
- Instead of taking weeks or months, approvals can be issued within 48hrs with very little paperwork involved.
- Meet in person directly with a Wachovia Representative to discuss your hardship.
- In some serious cases, the Lender is offering cash at closing to make moving out easier for those in need.
If you are interested in finding if you can participate in this new exciting program click here to get started.
What we do for you when you hire us to Short Sell your home
Rachel Mitchell, Short Sale Listing Agent for Integrity All Star Realty, touches on what happens once you’ve listed your home with us to do a short sale- please see this link
What to expect with the Short Sale process with us which gives you a PDF you can download and save regarding the Short Sale Process, aka the Life Cycle of a Short Sale.
Rachel is referring in the video to our 1 page Questionaire which is part of the full application but also summarizes for us our prospective clients current situation and allows us to analyze very quickly if we indeed can help them with a short sale. As always, if you have any questions, please contact us for more information
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