Chula Vista Short Sale Specialist
What is a Short Sale?
A short sale is a type of real estate sale that can occur when a home owner who is typically in some type of financial hardship and must sell their property, and they are in a negative equity position where the proceeds from the sale of the home, after all expenses, are not enough to satisfy all loan balances and fees. In a short sale, a lender or lienholders agree to accept a lower payoff amount than what is owed on a property in order to cut their losses and avoid a typically inevitable foreclosure.
How do I qualify for a short sale?
In order to qualify for a short sale, usually you must be in some type of financial hardship. Your lender will ask you to get together documents in order to prove to them that you are in a position financially where you must sell your home soon. Some examples of hardship include -
- Job loss
- Divorce or Legal Separation
- Relocation / Transfer
- Death of a family member
- Repairs needed with no money to do so
- Loss of income
The first step to qualify for a short sale is to contact us and either fill out the form below or give us a call at (877)737-4903. We can usually pre-qualify you and answer your questions in just a few minutes.
How is a short sale to my benefit?
- Once a short sale has been completed, foreclosure has been avoided.
- A foreclosure is public record, and has a certain stigma behind it that can be difficult to escape.
- A foreclosure can effect current or future employment, especially if you are in the governmental or financial sectors.
- You pay nothing to do a short sale. All sellers' closing costs and fees are paid by your lender, including our fees.
- Lenders also give relocation money and incentives in order to complete a short sale
- A Foreclosure can damage your credit for up to 7 years whereas a short sale has a much less negative effect. You can typically be eligible to purchase a home after two years of completing a short sale.
- A short sale can typically stall the foreclosure process, giving you more time in your home
- Your home gets sold and you can move on with your life
In a short sale your lender pays all traditional seller closing costs, including your real estate brokerage fees. There is no cost to you to do a short sale! Experience is everything when it comes to choosing a short sale Realtor® in Chula Vista, CA. We have closed literally hundreds of short sales and have the experience necessary to guide you through the process and protect YOUR best interests in the transaction.
Qualify today (877)737-4903
What Happens if my Short Sale is Unsuccessful?
Our success rate is over 97%. In addition, lenders do not want to foreclosure unless they have to, and will typically delay the foreclosure if you are working with our agents to do a short sale. Provided you are in a financial hardship and unable to pay, and you cooperate in the marketing and processing, the chances of your short sale closing and you receiving full forgiveness of the debt are extremely high. When you use our agents, a foreclosure should be one of your least concerns.
Can my current agent help me?
Experience is everything when it comes to short sales, and most agents do not have the expertise to effectively navigate the process. The average Realtor within our company has closed over 50 short sales. Don't trust your financial future to an agent who has only closed a few short sales or an agent who is marketing themselves as a "distressed property expert" after taking a weekend training class. We will perform all of the tradition duties of a real estate agent including the marketing and sale of your home, and also guide you through this difficult season while working directly with your lender to get the short sale processed, approved and closed in a timely manor.
A short sale is not the best solution for many cases. Go here to view the other options that might be available to you if you are in financial hardship. Fill out the form below or give us a call to discuss short sales morein depth and if a short sale could be the solution to your problem. Our short sale specialists are waiting to speak with you at absolutely no obligation.
Chula Vista Short Sale Agent Areas of Service
Chula Vista CA Short Sale Help - We are your short sale specialists in Chula Vista and offer no cost help to home owners in financial hardship in the area to avoid foreclosure. We cover all neighborhoods and communities and are here to offer short sale help throughout Chula Vista. Some of the neighborhoods we work in Chula Vista include Terry Nova, Rancho Del Rey short sale agents, Bonita Long Canyon, Eastlake, Eastlake Trails, Eastlake Woods in Chula Vista, Eastlake Vistas short sale help in Chula Vista, San Miguel Ranch short sale specialists, Rolling Hills Ranch in Chula Vista, Salt Creek Ranch in Chula Vista short sale Realtors. Anywhere that you are located in the Chula Vista California general area we are here to help guide you through this difficult season and help you get a fresh start with your life.
Imperial Beach CA Short Sale Specialists - We are short sale agents in Imperial Beach California and offer free help to avoid foreclosure. We cover the greater Chula Vista area, and we are also Bonita CA short sale specialists as well. If you need help with a short sale in Bonita California, we are your short sale specialist Realtors in Bonita California and are here to offer free help to you.
If you need help, call us and simply say "I need help to short sale a Chula Vista CA home" or "Help me short sale my Chula Vista home." Avoid and stop Chula Vista CA foreclosure and save your credit! Most lenders are using the Equator short sale platform to process short sales, including Bank of American, Wells Fargo, and Chase bank. Our agents are Equator certified short sale agents and are experieced with the Eqautaor short sale platform.
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