San Diego Short Sale Expert/Specialist Realtor

(760) 631-8046
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Why Do A Short Sale?

Our average short sale client hasn't made a house payment in over a year, saving them thousands of dollars to pay down other debts and build up their bank account.  Also, a Short Sale is the best possible outcome for your credit if you can't keep the home:
  • Bankruptcy is the worst.  DO NOT declare bankruptcy unless you have overwhelming non-house debt or a refinanced 2nd mortgage that refuses to accept a short sale.
  • Foreclosure is the next worst credit blemish.  You'll have to wait 5 years before you qualify for another home loan.  By then prices will likely be zooming upward, and you will have missed the bottom.
  • Deed-In-Lieu of Foreclosure is almost as bad as Foreclosure on your credit.  You'll have to wait 4 years before you qualify for another home loan.  Again, missing the bottom.  Plus, you will miss out on months of free housing.  
  • Short Sale is best on your credit.  You'll only have to wait 2 short years to qualify for another home loan so you may not miss the price bottom at all.

 

How Are We Better?

  • We have never charged any up-front fees.  Fortunately up-front fees became illegal in California on October 11, 2009.
  • If we can't get your Short Sale approved, NO ONE could.  We've developed sophisticated marketing systems and negotiating techniques to find the highest price buyer for your home and to get your lender to say 'yes' to this buyer.  We're not investors looking for a deal.  Do not attempt to short sell to an investor because your lender will probably say 'no' to the investor's unrealistically low price. 
  • We look out for YOU first.  Some agents will Short Sell your home to earn a commission not knowing (or caring) that it could cause you to incur a significant IRS tax debt.  Some agents will encourage you to pay property taxes or sign a Promissory Note or other action that is clearly not in your best financial interest.  Other agents will ignorantly tell you foreclosure is best when you absolutely should do a Short Sale.
  • We are Short Sale experts.  They're 100% of our business.  Visit our Frequently Asked Questions

 

Act Now

Contact us immediately so we have time to get the Trustee Sale foreclosure postponed.  If you haven't found a way to save your home by the time the Notice of Default has been recorded (4 months late), you probably won't, so call us right away. 

 

Note: If you have no equity and an FHA insured loan, DO NOT move out of the home.