Behind on Your Mortgage Solutions

When the mortgage balance is higher than the home’s likely sale proceeds, a traditional sale may not be possible—but that doesn’t always mean foreclosure is the only option.

A short sale allows the mortgage lender to review and potentially approve a sale for less than the total amount owed. The process involves additional documents, lender review, and a longer approval timeline, but I’ll help you understand the requirements and coordinate the real estate side of the transaction.

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How I Help with a Short Sale

  • Review the property’s likely market value and estimated proceeds

  • Help you understand whether a traditional sale may still be possible

  • Create a pricing and marketing strategy

  • Prepare the property for market without unnecessary spending

  • Clearly explain the process to interested buyers and their agents

  • Coordinate with the lender, title company, attorney, and other professionals

  • Submit and track required real estate documents

  • Keep you updated throughout lender review

  • Guide the transaction through approval and closing

Learn More

Short-Sale Process

  • Step 1

    Private consultation
    We discuss the loan, property, timeline, and your goals.

  • Step 2

    Estimated value and net proceeds
    I evaluate the likely market value and estimated selling expenses.

  • Step 3

    Lender requirements
    We identify the documents and approval process required by the mortgage servicer.

  • Step 4

    Listing and marketing
    The home is marketed to attract a qualified buyer while clearly explaining the approval process.

  • Step 5

    Offer and lender submission
    An accepted offer and supporting documents are submitted for review.

  • Step 6

    Lender review and negotiation
    The lender evaluates the offer, property value, expenses, and proposed proceeds.

  • Step 7

    Approval and closing
    Once written approval is received and all conditions are satisfied, the transaction can proceed to closing.

Not Sure Which Option Makes Sense?

You don’t have to know exactly what you need before reaching out. We’ll start with a private conversation about the property, your timeline, and what you’re dealing with so you can understand your options without pressure.

Talk Through My Options