The document provides answers to frequently asked questions about short sales. It discusses topics such as whether borrowers can receive cash from lenders at closing, how to qualify for a short sale with multiple mortgages or if payments are current, the short sale process timeline, and potential tax implications of debt forgiveness. Key details requested by lenders are explained, such as hardship letters, documents required, and reasons lenders are willing to accept less than the full mortgage amount in a short sale.
The basics of the loan purchase and sale process is relatively straight forward, but like any transaction, the devil is in the details. Following are eight steps involved in the purchase and sale of loan assets followed by a discussion of the most common pitfalls to avoid throughout the transaction.
Federally mandated HECM Counseling is a valuable tool in helping prospective reverse mortgage clients understand the complex nature of reverse mortgage loans and to assure that particular loan they are considering is the best possible solution for their specific financial, health and living situation
The basics of the loan purchase and sale process is relatively straight forward, but like any transaction, the devil is in the details. Following are eight steps involved in the purchase and sale of loan assets followed by a discussion of the most common pitfalls to avoid throughout the transaction.
Federally mandated HECM Counseling is a valuable tool in helping prospective reverse mortgage clients understand the complex nature of reverse mortgage loans and to assure that particular loan they are considering is the best possible solution for their specific financial, health and living situation
What is a Short Sale?
Have you already defaulted?
What Options are available?
Do you fear defaulting on your Mortgage?
LEARN your options from professionals in the field of lending, real estate, and foreclosure prevention.
UNDERSTAND tax penalties and other consequences of loan default, loan modification, or bankruptcy, the difference between a short sale and a foreclosure, and much more!
Did you know you may be eligible to receive money back from the bank at the close of your Short Sale?
RE/MAX Results complete buyers guide. Whether you are a first time home buyer or a seasoned veteran in home purchasing...this guide will give you a complete through understanding of the home buying process. If you are in the Greater Kansas City area and are remotely interested in Real Estate...this is a must have!
This workshop will help you gain a basic understanding of how the homebuying and home financing process works. So you’ll know what to expect and be better able to make informed decisions.
The purpose of this presentation is to show, Realtors and Investors, why working with us on your short sale properties is extremely beneficial. We are a preferred investor with the majority of lenders and have direct contacts to expidite the process.
There can be three routes to have a foriegn collaboration - Contractual route; Joint Ventures and Merger and Acqusition transactions. This presentation attempts to guide the Indo-Foriegn Collaborator to understand the basics of 3 routes.
"Consummation" and Timing of Closed-End Disclosures under Securian's Single-S...NAFCU Services Corporation
One of the legal implications to consider when developing a blended, single-signature multi-featured lending plan is whether the closed-end Fed Box disclosures can be given timely under Reg Z and applicable state contract law. The answer is yes, they can. By providing the disclosures at the time of advance, prior to or with the disbursement of funds, credit unions satisfy the timing requirements under Reg Z and state law. This paper will explain in greater detail the legal definition of “consummation”, the state law interpreting it, and how it applies to blended multi-featured plans. For more info: www.nafcu.org/securian
Short Sales, statistics in Florida, and why we need to pay attention current policy exempting short sellers from the home purchasing market.... and solutions to keep underwater homeowners in their homes.
While Down Payment Bonds are hardly new, they have not been widely used through North america until recently. Since there are many that are unfamiliar with this tool, we've put together some common questions with answers regarding Down payment Options.
Did you know that typically a business is a owner\’s largest source of wealth creation? Did you know however that only 20% of all businesses are eventially sold? Do you have an exit strategy? Do you know how to capture and build the value of your business? We can help.
What is a Short Sale?
Have you already defaulted?
What Options are available?
Do you fear defaulting on your Mortgage?
LEARN your options from professionals in the field of lending, real estate, and foreclosure prevention.
UNDERSTAND tax penalties and other consequences of loan default, loan modification, or bankruptcy, the difference between a short sale and a foreclosure, and much more!
Did you know you may be eligible to receive money back from the bank at the close of your Short Sale?
RE/MAX Results complete buyers guide. Whether you are a first time home buyer or a seasoned veteran in home purchasing...this guide will give you a complete through understanding of the home buying process. If you are in the Greater Kansas City area and are remotely interested in Real Estate...this is a must have!
This workshop will help you gain a basic understanding of how the homebuying and home financing process works. So you’ll know what to expect and be better able to make informed decisions.
The purpose of this presentation is to show, Realtors and Investors, why working with us on your short sale properties is extremely beneficial. We are a preferred investor with the majority of lenders and have direct contacts to expidite the process.
There can be three routes to have a foriegn collaboration - Contractual route; Joint Ventures and Merger and Acqusition transactions. This presentation attempts to guide the Indo-Foriegn Collaborator to understand the basics of 3 routes.
"Consummation" and Timing of Closed-End Disclosures under Securian's Single-S...NAFCU Services Corporation
One of the legal implications to consider when developing a blended, single-signature multi-featured lending plan is whether the closed-end Fed Box disclosures can be given timely under Reg Z and applicable state contract law. The answer is yes, they can. By providing the disclosures at the time of advance, prior to or with the disbursement of funds, credit unions satisfy the timing requirements under Reg Z and state law. This paper will explain in greater detail the legal definition of “consummation”, the state law interpreting it, and how it applies to blended multi-featured plans. For more info: www.nafcu.org/securian
Short Sales, statistics in Florida, and why we need to pay attention current policy exempting short sellers from the home purchasing market.... and solutions to keep underwater homeowners in their homes.
While Down Payment Bonds are hardly new, they have not been widely used through North america until recently. Since there are many that are unfamiliar with this tool, we've put together some common questions with answers regarding Down payment Options.
Did you know that typically a business is a owner\’s largest source of wealth creation? Did you know however that only 20% of all businesses are eventially sold? Do you have an exit strategy? Do you know how to capture and build the value of your business? We can help.
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In real estate, a short sale is when a bank or mortgage lender agrees to discount a loan balance due to an economic hardship on the part of the mortgagor.
Reprinted from REALTOR® Magazine(RealtorMag.Realtor.org) with permission of the NATIONAL ASSOCIATION OF REALTORS®.
Copyright 2008. All rights reserved.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
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Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
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This presentation poster infographic delves into the multifaceted impacts of globalization through the lens of Nike, a prominent global brand. It explores how globalization has reshaped Nike's supply chain, marketing strategies, and cultural influence worldwide, examining both the benefits and challenges associated with its global expansion.
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1. HOME
FAQs
WHAT IS A SHORT SALE
Can I receive cash from my lender at the closing, even though I’ll be
WHY USE SHORT SALE US
paying the lender less than the full amount due on my mortgage?
SUCCESS STORIES Yes, you can generally receive between $500 and $2,500. Lenders consider
this to be borrower’s assistance which will allow sellers to have the money
WHO QUALIFIES FOR A SHORT SALE they will need to move from the property in a timely and orderly manner.
Certain lenders view this as a borrower’s incentive to encourage borrowers to
FAQs work out a short sale versus going through the full foreclosure proceedings
which is always very expensive for lenders.
SHORT SALE NEWS
I have more than one mortgage on my property. Will that prevent me
VALUE YOUR HOME from doing a short sale?
No, in some cases it makes it easier. Subordinate lenders are more flexible
STATE FORCLOSURE LAWS
than first mortgage holders.
CONTACT US
Is it necessary for me to be past due on my mortgage payments to be
HIRE US able to get the benefit of a short sale?
No, but it is likely that the lenders guidelines will prevent them from formalizing
a short sale if the loan is not past due. In cases like this, ShortSaleUS can
arrange a structured default to reduce the impact of an actual default on a
borrower’s credit report and to enable them to bridge this gap.
What is a BPO?
A Broker Price Opinion (“BPO”) is usually requested by a lender from a
qualified broker, other than one who has the listing contract on the subject
property. The lender pays the selected broker to render an opinion on the
condition, value and the projected time on market before the property may be
expected to be sold.
If lenders save significant money working out a short sale arrangement,
why do they request as much information as they do and why does it
take so long for them to work on a file?
Lenders want to be certain that a borrower is not simply trying to renege on
their mortgage because their house has gone down in value. If the borrower
has liquid funds available, lenders want the borrower to use them during the
sales process. Lenders also want to know that a borrower is not selling the
property to a related party for the sole purpose of reducing the pay off
amount. The bottom line is that the lender is going to manage the transaction
with the objective of recovering the most money possible for the lender. The
time frames involved apply a multi-step negotiation process between the
borrower and the lender with either the lender or borrower objecting to certain
terms and making proposals and counter-proposals before reaching an
agreement. Third party inspections and BPOs will also be required prior to
the negotiations being formalized with an agreement.
What is a hardship letter?
A hardship letter is written by the borrower to the lender to explain the current
2. distressed circumstances being experienced by the borrower that make it
impossible for them to continue to make mortgage payments and to ultimately
pay off their loan. Examples of typical acceptable hardships would be the
loss of employment, illness which precludes them from working or having the
need to relocate in order to find employment.
What information does the lender require from the borrower?
Each lender has different forms that will need to be completed. All lenders
generally require certain items such as; two months of bank statements, pay
stubs, tax returns for the past two years and a hardship letter.
How long does it take to complete a short sale?
The time for the lender to receive and evaluate a short sale proposal is
approximately 8-12 weeks. The time it may take to sell the property is almost
always longer than this.
Why are lenders willing to lower the amount they will accept as
“payment in full” on a mortgage loan?
They lose less on a short sale than they do in a foreclosure proceeding. On
average, lenders lose tens of thousands of dollars less on a short sale
transaction versus a full foreclosure proceeding. It is simply in their best
interest.
Can a borrower negotiate a short sale themselves?
Yes, but trying to do it alone and on the phone with the lender leads to
inconsistent results that are, frequently, not acceptable to the borrower.
Working with ShortSaleUS.com will result in written negotiations and more
consistent results. The Short Sale US method has historically produced
results which are more acceptable to the borrower more than 90% of the
time. The management of ShortSaleUS.com has more than two decades of
experience. This is not the first time we have dealt with market conditions
similar to what we are now experiencing.
Submit your request to ShortSaleUS for a free initial evaluation:
For the fastest response time, we suggest you submit an online application,
or call (888) 907-4678 or you may send your application by regular mail to our
office at 101 E. College Avenue, Westerville, Ohio 43081.
You may use our free tools, available on this site, and the following guidelines
to determine the feasibility of a short sale for you:
- If you have savings of less than $2,500, you may be a good candidate for
short sale.
- Check the prices of comparable property sales on our website. Have
comparable homes, in your zip code, sold for less than your mortgage
balance? In fact, if comparable homes have sold for more than your
mortgage balance(s) but after deducting 5% real estate commission and 2%
for sales costs the net amount of comparable sales is less than your mortgage
balances, you may be a good candidate for short sale.
- Using the free tools on our website, determine how many homes are in the
foreclosure process, in your zip code. If you see 10 or more homes in any
foreclosure category you are a good candidate for a short sale.
- With the tools on our website read the foreclosure laws and applicable times
in your state. If you determine from the Foreclosure Law section in your state
that a lender may take a deficiency judgment against you then you will want to
pursue a short sale to prevent the possibility that your lender will pursue you
for the balance which remains unpaid after the loss of your home at a sheriff's
sale.