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Loan Modification? Short Sale? Deed-in-Lieu of Foreclosure? What's an upside down struggling property owner to do?

Enter the process informed.

If you owe more on your home or investment property than it's worth and can no longer afford the payments, you've got options and this site provides fast and easy access to all sorts of free tools, information, and resources, including HUD-certified counselors who will assist you in exploring your options for free.

Whether you seek to modify your loan in order to keep your property or wish to speak with a short sale advisor about avoiding foreclosure by selling your home for less than is owed, you'll find information here that will help you immensely.

Right now you can also get a FREE copy of the $27.00 book, The Homeowner's Guide to Fighting Foreclosure. This easy-to-understand, step-by-step instruction guide describes how banks operate in the negotiation process and also includes the tools and forms required to short sell your home or investment property.

CLICK HERE to Get Your FREE Book Today:

What Is A Short Sale? 

A short sale occurs when the lender agrees to take less than the full amount required to pay off existing loans in full because the outstanding loan balance is greater than the proceeds realized from the sale of the property.


This sounds simple enough and is the definition most agents will give you. The problem is in the details. The terms of the approval are almost always dictated by the lender. Most sellers and many agents assume any approval is a "good approval", which is often not the case.

If you're considering a real estate short sale there are things you need to know before speaking to your lender. Consulting with a M.A.R.S. compliant, licensed professional versed in short sales and the foreclosure process is a must.

Why Would My Lender Accept Less Than Is Owed?

Knowing why and how much your lender does not want to foreclose on your home is crucial to the negotiating process. It's oftentimes much more expensive for the lender to modify your loan than it is to simply foreclose on you and sell it, or accept a short offer and pay all the associated sales costs.

Of course your lender would prefer that you stay in your home and continue making payments but selling it and geting the "bad asset" off their books is frequently their next favorite choice. Many lenders will negotiate short sale terms quite favorable to you, oftentimes allowing you to walk away for free and with zero delinquency judgments.

A successful no cost short sale with zero deficiency judgments looming in your future can be possible if you work with an expert team to get it done.

Will I Qualify For A Short Sale?

Has Your Home's Market Value Dropped?

Whether you're doing a loan modification or short sale, hard comparable sales will be used to substantiate that your property is worth less than the unpaid balance owed the lender. I provide a comprehensive property value report designed to determine your properties 30, 60 and 90 day sales price value - the same info your lender will want. Get a FREE Home Valuation Report.

Is Your Mortgage Currently In Default or Are You Concerned That It Soon Will Be?

It used to be that lenders would not even consider a loan modification or short sale if your payments were current, but not anymore. Realizing that other factors contribute to a potential default, many lenders are eager to head off future problems at the pass.

Many lenders no longer require that you be late on your payments however you must be able to convince them with your hardship letter and financial records that you're concerned about your ability to continue making payments.

Have You Fallen on Hard Times?

Have you experienced a job loss, cut back in work hours, divorce, death or any other challenge that is hampering your ability to make your monthly payments? You must be able to prove financial hardship. If you've answered yes to all of these questions, you're probably an ideal candidate for a real estate short sale.

Take this simple Quick Qualifier Quiz to determine the likelihood of whether or not you'll qualify for a short sale.



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