If you need to sell your home, but owe more on your home than it is worth, I can help you sell your home quickly, easily and for top market value, without ruining your credit, going through foreclosure or declaring bankruptcy.

You will pay absolutely nothing to sell your home, and you will owe nothing to your lender.

You will not have the stain of a foreclosure or a bankruptcy on your credit, and instead of having to wait up to 7 years to buy another home, you can buy again within the next 24 months.

A short sale actually saves your credit. It is treated by your lender as a "settlement of a debt", and as opposed to a foreclosure or a bankruptcy, it is infinitely easier on your credit.

TRUST YOUR SHORT SALE TO ME!!!

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Short sales are very different than a regular real estate transaction. Once you stop making your mortgage payments, the foreclosure process begins, and the clock starts ticking.

You get one shot to do a successful short sale. If your agent is inexperienced at short sales, makes mistakes, gives up, slacks off, drops the ball, or simply does not know how to negotiate with the banks, you will wind up being foreclosed on by your lender.

And you do not want to go through foreclosure.

Your credit will be ruined, with your credit score taking a hit by as much as 300-400 points (or more) and you will be hounded day and night by your lender.

Your home will be repossessed by the bank, and then the bank will sell your home, either at auction, or more likely through a real estate agent, with a large sign out front that says "Bank Foreclosure".

Further, depending on whether the loan on your home is a "purchase money" loan or whether you did a "cash out" refinance after your purchase, you either have a "non recourse" or a "recourse" loan.

This makes a big difference as to whether your lender can go after you to repay your debt, even after your home has been foreclosed on.

The good news is, I can help you either way, but the steps are different.

So do your homework, and don't trust this process to someone who is inexperienced.

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You should also be wary of the many companies that actually encourage you to go through foreclosure so that you can live in your home for a few months without paying your mortgage.

A short sale is a real estate transaction that requires an approval from the lender. Period. It is not some complicated legal process that requires paying a retainer to an attorney. Like I said, our negotiator has done it over an over again successfully.