San Diego Short Sale Expert/Specialist Realtor

* Save Your Credit From Foreclosure! -Sell fast even if no equity   * All You Pay is the H.O.A. (If no Home Owner Assoc, you pay NOTHING!)  You do NOT pay: mortgage, property taxes, closing costs, termite repairs, commissions, etc.)   * Eliminate the entire debt forever. (without declaring bankruptcy)   * No IRS ordinary income tax on the shortfall.   Click Here to view Satisfied Client References

Why Do A Short Sale?

If you can't keep your home, a Short Sale is the best possible outcome for your credit:

• Bankruptcy is the worst.  DO NOT declare bankruptcy unless you have overwhelming non-house debt or a refinanced 2nd mortgage that refuses to accept a short sale.
• Foreclosure is next worst credit blemish.  AVOID foreclosure.
• Deed-In-Lieu of Foreclosure is just as bad as Foreclosure on your credit, and you'll have to pay an attorney up-front money and miss out on months of free housing.  That's a lose-lose scenario.
• Short Sale is best on your credit, plus you'll get months of free housing with zero ($0.00) up-front costs.

How Are We Better?

1) We do not charge any up-front fees.  If anyone wants to charge you an up-front fee, run.  The foreclosure industry is rampant with fraud.

2) If we can't get your Short Sale approved to save your credit, NO ONE could save your credit.  We've developed sophisticated marketing systems and negotiating techniques to find the highest price buyer for your home and to get your lender to say 'yes' to this buyer.  This will save your credit from foreclosure.  We're not investors looking for a deal.  Do not attempt to short sell to an investor because your lender will probably say 'no' to their low price, and you'll get a foreclosure on your credit. 

3) We look out for YOU first.  Some will Short Sell your home to earn a commission not knowing (or caring) that it will cause you to incur a significant IRS tax debt.  Others will ignorantly tell you foreclosure is best when you absolutely should do a Short Sale to save your credit.

4) We are Short Sale experts.  They're 100% of our business.  Visit our Frequently Asked Questions:

Q1: What is a short sale?
Q2: Why would a lender approve a short sale?
Q3: What is a nonrecourse loan?
Q4: What is a recourse loan?
Q5: What if all of the loans on my property are nonrecourse?
Q6: What if there is only one loan on my property and that loan is recourse?
Q7: What if there is more than one loan on my property and the junior loan is recourse?
Q8: Who do you recommend for bankruptcy?
Q9: Is my personal property insured?
Q10: When should I move out?
  REALTOR LIMITATIONS
Q11: Can you help me if the Trustee Sale (aka 'foreclosure') has already been scheduled?

Q12: What geographies do you cover? 
Q13: Can I do a short sale without missing any payments to minimize the damage to my credit?
  HOMEOWNER EXPECTATIONS
Q14: What do I need to do?
Q15: Do I have to have a sign in my yard?
Q16: Do I have to have a lockbox on my door?
  UNUSUAL SITUATIONS
Q17: What if I have a purchase-money, owner-occupant loan, but I never moved in?
Q18: Can I have a relative or friend purchase my short sale home and rent it back to me so I don't have to move?
Q19: Is it legal for me to collect rent from a tenant if I'm not making the mortgage payment?
  AFTERWARD
Q20: Will I have trouble finding a rental with a short sale or foreclosure on my credit?
Q21: How can I tell if a rental has a 'toxic' loan that could 'explode' on my landlord, causing me to move before my lease is up?
Q22: How long until I can purchase another home?

It's a Great Time to Rent

You'll have to wait 5 years or more until you have equity in your home again.  Can you afford to make the payment for that long?  You can probably rent a similar quality home for about HALF your current payment.  What will your lifestyle look like with a big drop in housing costs?  Will you work less to spend more time with your family?  Will you spend the extra money on vacation, hobbies, debt reduction, education, or savings?

Act Now

A foreclosure will severely damage your credit for several years.  To keep foreclosure off your credit, contact us immediately so we have time to find a buyer and get the sale closed before foreclosure.  If you haven't found a way to save your home by the time the Notice of Default has been recorded, you probably won't, so call us right away. 

Note: If you have no equity and an FHA insured loan, DO NOT move out of the home.