Short Sale

What is a Short Sale?

Simply put, a short sale is a real estate transaction where the homeowner owes their lender more than what their property is worth and they need to sell. In a short sale, the lender must approve and accept less than what they are owed as full payoff (this means they may settle for $400,000, even if you currently owe them $500,000...even if the loss is hundreds of thousands of dollars).

Are you facing a financial hardship that you know will decrease your income?

Are you getting behind on your mortgage and you're not sure if you can catch up?

Or do you just need to sell quickly but your home is worth less now than when you bought it?

If you are facing any of the situations above, and you think a short sale might be your best option, then read on.

Short Sales Are Not Easy.

Unless you seek the help of an expert agent with a proven track record. I have been personally trained by a former Chief Loss Mitigator who is a career loss mitigator and asset manager with 20 years in the business (he is ultimately the guy at the bank who accepts or declines short sales). We are now helping save even more folks from foreclosure.

We have successfully negotiated short sales for many families just like yours .  We actually get the banks to say YES to our short sales. Before you agree to have an agent help you sell your home, ask him/her to show you just one short sale approval within the last 6 months... I doubt they can.

Now It Is Up to You.

I am ready, along with my team of experts, to go to battle for you. Are you ready to take a serious look at your options and see how a short sale can help you:

· Avoid paying TAXES on the money the bank loses at foreclosure! (Yes, you may have to pay taxes on the amount of loss to the bank if the home goes to foreclosure!)

· Save your credit from the "Foreclosure" ding

· Avoid Bankruptcy

· Avoid Foreclosure

· Relieve the stress that this financial burden has become

WITH NO OUT OF POCKET FEES OR ANY UP FRONT COSTS OF ANY KIND!  …or in other words, you pay me nothing and if I do my job and save you from foreclosure, only then will I get paid by the lender!

Some Results

Downey Short Sale Approval  FEB., 14th 2008

Morgan Stanley Short Sale Approval FEB., 29, 2008

Whilshire Short Sale Approval DEC., 6th, 2007

Can We Do This For You?

Not all agents can do a short sale and not all people qualify for our help. I am here for you if your situation meets the following criteria:

· You have a valid hardship

· You have little or no equity in your home

· You are unable (or soon will be unable) to pay your bills on time

· You want to work with an expert

If you're not sure and just want to find out if you qualify, give me a call and I will walk you through your options. Believe it or not, you may just need help getting a temporary reduction in your payments to 'catch up'. In any case, call me to talk about the several options that you may not be aware of.

If you don't know what else to do and you don't call me at (760) 703-3898, what will it cost you in damaged credit, frustration and stress? .

I know how you feel and I can help.

Still Not Sure?

At the very least, let me give you some information about your alternatives. The last thing you want to do is go through the foreclosure process. It's draining emotionally and psychologically. And you certainly don't want to face it alone.

What Makes C to Sea Realty Different?

At C to Sea Realty, convenience, knowledge and feeling stress free is what separates us from other brokerages. With 20 years of experience dealing with  Lenders’ Loss Mitigation Departments, and Negotiators, we take pride in the fact that we have a great working relationships with all major lenders and Asset Managers.

During the entire Shot Sale process, you can expect to live day to day as you normally would.  This means, not having to put up with the inconvenience of strangers walking through your house trying to decide whether or not they want purchase your house.   There will be no REALTORS calling you during inconvenient hours of the day asking to  view your house.  The current market only requires one, four hour day, reserved for an Open House.  During this open house you can expect to receive at least three offers. From the three offers we will decide which is the best offer to proceed with.

This is still your house, this is not the banks house,  not the buyers house, nor any lien holders house.  This is your house.   There will be no strangers viewing your house  before or after the One day Open House.  This is our strict policy with no exceptions allowed.

You can rest assure, knowing that we are working everyday with your best interest in mind.