A short sale is a program that allows the homeowner to sell the home for less than the amount owed on the mortgage.
You may be eligible for a short sale if you have an involuntary hardship and can no longer afford the monthly payments on your mortgage, or you’re unable to sell your home for the full amount owed on your mortgage.
One benefit to a short sale is that you avoid a foreclosure sale. You can live in your home until the new owner closes, giving you time to make other living arrangements. A foreclosure sale may be postponed once a written, signed offer is received and approved by your bank in writing.
Make sure you choose a real estate agent experienced in short sales:
1. They can provide your bank with your financial information; help explain your situation and why you are unable to pay your mortgage.
2. Your bank will review your information and determine if a short sale is an appropriate option for you.
3. If it is, then your bank will work closely with you and your real estate agent. Together, you will work through the details and steps to sell your home at an agreed-upon price so you can avoid a foreclosure sale.
If you would like more information contact me at info@adelelangdon.com
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