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It seems like just a few short years ago no one around here had even HEARD of short sales, let alone done any short sale transactions. Now it seems to be rare when a home for sale around here ISN’T a short sale! For the last few years we’ve been hearing dire warnings about the flood of bank-owned homes about to hit the market. While there was an initial surge in 2008 and 2009, the huge wave never really materialized. For multiple reasons, banks seem to be trying all their other options first prior to foreclosure. That means that if you can’t afford your payment (or you have to move) and you can’t get a successful loan modification, then a short sale may be your next best option as an alternative to foreclosure.

We speak “short sale” here at Sharp Realty. We’ve worked with almost all the major and minor lenders and know their processes. We have systems in place to put you in the best possible position to have a successful short sale. Over the past few years, our office is one of the top three offices in our area for number of short sales closed in our local market. Yet we are one of the smallest offices by number of agents.

First, we’ll sit down with you to analyze your situation. We’ll take you through a series of questions to determine if you are a good candidate for a loan modification, or a short sale, or if you should just stay where you are at. We can calculate your debt ratio on your current payment and what it would be if your adjustable-rate mortgage goes up. We can even tell you what the odds of success are for a loan modification or short sale. And finally we’ll tell you what type of loan modification you should hold out for with your lender. Our analysis will be able to tell you what type of loan modification your lender would have to offer you to make your loan “affordable” again per the government guidelines.

If a loan modification is your next best option, we’ll tell you that, even though we can’t represent you to modify your loan with your lender. But we will offer to review any loan modification offer paperwork you get from your lender to help you understand it.

If a short sale is the best option for you, we’ll hold your hand through the process. We’ll prepare the forms for you to fill out, handle the marketing of the home, the offer negotiations, and then the negotiations with your bank. While we still need you to be an active participant, we take as much of the load off of your shoulders as we can. We don’t charge any up-front fees for short sales, and your lender(s) will pay our commission at close of escrow. So you won’t owe us any money.

We handle short sales in the most professional, ethical manner possible. There are lots of “workarounds” out there in the industry, but many of them could be considered fraud, and we stay well clear of that. While in the short-term it may seem easier to take shortcuts, we are in this for the long-term and we want you and us to be able to have a clear conscience that everything was done according to the rules.

If you would like a free, no-hassle, no pressure consultation about your situation, feel free to contact us.

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Contact Us

  • Sharp Realty
  • 320 Fairview Ave.
  • Brentwood CA 94513
  • P: 925.240.6683
  • F: 925.524.2302
  • E: info@SharpHomesOnline.com
  • DRE# 01858431