A short sale agent can help you avoid foreclosure. If you are a homeowner that's having trouble making your payments, and you might be at risk of being foreclosed on, then you should immediately speak to a short sale specialist that works in your market area. A short sale agent can save your home from foreclosure and get your debt forgiven by your lender, so you can be free your home that's underwater. This is the freedom you deserve, and the right agent can make it a reality.
If you're a distressed seller and are ready to speak to an experienced short sale agent, then it's important you work with the right agent. Working with a qualified and trained short sale expert makes all the difference. You need to list your home with someone who knows how to negotiate with your lender to get your short sale process approved and allow you to walk away from your home. In most cases, you can sell your home as a short sale with NO cost to you. The benefits of a short sale vs a foreclosure are tremendous.
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In a short sale, both the homeowner and the lender benefit. Here's why. If you were foreclosed on, that would stay on your credit history for 7 years. In a short sale, it only affects your credit for 2 years. That means you can rent your next home fro 2 years and then you're back in the market and you'll be able to qualify for a loan. If you had a dark foreclosure label on there for 7 years, you'll be waiting that long, if not more, before you can get back into the buying game. Also, when you go through the short sale process, you are given more time to move comfortably, and in many cases, you are also given funds to help you move. In a foreclosure, you can be given a 30 day notice at any time. Banks also prefer the short sale because it costs them a lot more to foreclose on a homeowner, and they will have to sell the property at a much larger discount, meaning they make a lot less of their money back.
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If it's been a tough couple of years, you're not alone. One in three homes nationwide are underwater. Responsible home owners understand the value of pursuing a short sale on their home and avoiding foreclosure at all costs. We hope you'll find our resources useful.