Property Owners

• Having difficulty making your mortgage payments?
• Owe more than your house is worth?
• Do you want lenders to stop calling?
• Do you want to dispose of your debt?
• Your mortgage adjusts soon and you cannot afford paying the skyrocketingrate?
• Want to sell your house but there is not enough equity?
• Do you want to avoid or stop a foreclosure and get a fresh start?

Regardless of your circumstances, we have powerful solutions available.  Most of our solutions are at no cost to you.

Achieve A Fresh Start

Our Short Sale Specialists Help Property Owners

Sell More Short Sales investments, a short sale and loss mitigation advisory firm, has assisted homeowners on a national scale in the elaborate business of short sales, loan modifications, forbearances, deeds in lieu,instant debt servicing relief and other loss mitigation solutions.

Sell More Short Sales helps borrowers, lenders, servicer’s and Third- party investors avoid the cost and time-consuming process of foreclosure and the stressful act of eviction that follows.

Sell More Short Sales’ principles have extensive experience navigating complex real-estate transactions. Sell More Short Sales has developed a network of contacts consisting of property owners, mortgage companies, banks realtors and bankruptcy attorneys. The strength of our experience, knowledge and relationships is invaluable

What is a Real Estate Short Sale?

A short sale in real estate is not always a pleasant transaction.

There are many ways to lose a home but forfeiting ownership in a manner that destroys credit, embarrasses the family and strips an owner of dignity is one of the hardest. For owners who can no longer afford to keep mortgage payments current, there are alternatives to avoid or stop foreclosure proceedings. One of those options is called a "short sale."

A short sale, also called a “Short Pay” occurs when a property is sold and the lender agrees to accept a discounted payoff, meaning the lender will release the lien that is secured to the property upon receipt of less money than is actually owed.

Many of our services are FREE OF CHARGE. Our short sale specialists may help you prevent the deterioration of your credit while providing you the homeowner with A Fresh Start.

The earlier in the foreclosure process the lender is contacted the better it is for you the property owner, trying to avoid dealing with the situation is simply unwise-

Services

A Loan Modification is a permanent change in one or more of the terms of a mortgagor's loan, this allows the loan to be reinstated, and results in a payment the mortgagor can afford, bringing your mortgage up to date after repayment of any delinquent interest, fees and other costs, based on your lenders guidelines.

Acting promptly should be your number one priority; the lender will need time to process, develop, and implement a plan. Contact Sell More Short Sales. Today we will begin negotiations on your behalf in order to stop foreclosure and save your home.

Other solutions to avoid foreclosure and KEEP YOU IN YOUR HOME include: 

Reinstatement: A borrower in default under a deed of trust can avoid a foreclosure sale by reinstating the loan and bringing it to a current status before foreclosure. . After identifying that a reinstatement is the best and most viable foreclosure alternative,, Sell More Short Sales will work with you to determine what steps may be most appropriate to move forward .

Repayment Plan: This foreclosure option lets you repay part of your delinquency each month, in addition to your regular monthly payment. A repayment plan is the perfect option for someone that experienced momentary financial hardship, but is now back on their feet. I Sell More Short Sales will negotiate with your lender to spread the past-due amount over a specified period of time. 

Forbearance: The act of refraining form taking legal action despite the fact that payment of promissory note in a mortgage or deed of trust is in arrears. In order to stay in your home, a lender will agree to delay or reduce payments for a short period of time, with the understanding that another option will be used to bring your balance current. Sell More Short Sales will negotiate to get you the time you need to determine the best solution for you.   

The earlier in the foreclosure process the lender is contacted the better it is for you the property owner., trying to avoid dealing with the situation is simply unwise- contact Sell More Short Sales Investments Now

For a FREE consultation please call one of our short sale specialists- toll free 1.510-776-9875

Our Services include:

• Protecting your credit from further deterioration
• Instant Debt servicing relief
• Freedom from aggressive Lenders
• Fast closings.
• Many of our services are totally Free

Solutions offered: 

Short Sale, Loan Modification, Modification, Forbearance, Deed in Lieu

The lender requires a full financial analysis in order to begin the negotiation process for a short sale. All documents listed below must be included in the package before the lender will review your situation and consider a short sale.

(Please download the file for a full printable list)

LIST

Submit Letter of Authorization
Lenders typically do not want to disclose any of your personal information without written authorization to do so. If you are working with a real estate agent, closing agent, Title Company or lawyer, you will receive better cooperation if you write a letter to the lender giving the lender permission to talk with those specific interested parties about your loan. The letter should include the following:

• Property Address
• Loan Reference Number
• Your Name / Signature
• The Date
• Your Agent's Name(Sell More Short Sales) & Contact Information
• A copy of a recent statement from the mortgage company or financial institution that holds your mortgage. Include a statement for all mortgages(1st mortgage, 2nd mortgage,etc)

Proof of Income and Assets
It is best to be truthful and honest about your financial situation and disclose assets. Lenders will want to know if you have savings accounts, money market accounts, stocks or bonds, negotiable instruments, cash or other real estate or anything of tangible value. Lenders are not in the charity business and often require assurance that the debtor cannot pay back any of the debt that it is forgiving.

Two prior years of tax returns and W-2’s.  Remember to provide signed copies of tax returns.

Copies of Bank Statements
If your bank statements reflect unaccountable deposits, large cash withdrawals or an unusual number of checks, it's probably a good idea to explain each of those line items to the lender. In addition, the lender might want you to account for each and every deposit so it can determine whether deposits will continue.

Hardship Letter
Included in the short sale package to your lender is a Hardship Letter.  The purpose of a hardship letter is to inform the bank of your current financial status and why you are unable to afford your mortgage payments. This letter must be handwritten then signed. If you were unable to provide any of the required documents, please reference them in the letter with an explanation.  It is important to include as many details as to why you no longer can afford the property, however try to keep your letter to one page.

The sadder the better. This statement of facts describes how you got into this financial bind and makes a plea to the lender to accept less than full payment. Lenders are not inhumane and can understand if you lost your job, were hospitalized or a truck ran over your entire family, but lenders are not particularly empathetic to situations involving dishonesty or criminal behavior.

Documentation supporting the hardship (termination of employment letter, disability letter, doctor bills, death certificate, divorce decree ,incarceration documentation, unemployment benefits ,social security benefits, workers comp, collections lawsuits, bankruptcy paperwork (all pages etc.)

Attachments:
Seller's Items Checklist	[Seller's Items for Short Sale Package]	[Financial Worksheet]	105Kb

Our success rate is among the highest in the industry. 

Many of our services are FREE OF CHARGE to the borrower and our consultation services are absolutely FREE.
For a FREE consultation please call toll free — 1-510-776-9875.

Sell More Short Sales' provides loss mitigation services to residential and commercial property owners nationwide,

We help property owners resolve financial hardships, retain ownership, or short sell their property while minimizing their debt and the negative effects on their credit.