La Canada Short Sale Agents

Do You Need A Short Sale Agent? Or An Experienced Short Sale Realtor?

Free La Canada CA Bank Short Sale Specialist Realtor and foreclosure help.

           Short Sale Qualifications – Short Sale VS Foreclosure – How To Stop Foreclosure         

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If you are in the market to sell  La Canada real estate, it is important to ally yourself with an experienced real estate listing agent.

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We are a Team of La Canada Realtors and Short Sale Specialists in La Canada , California for Residential and Income Properties.

La Canada Short Sale Agents – Short Sale Realtors – Short Sale Information

La Canada Short Sale Agents

La Canada Short Sale Agents: We are a local team of Short Sale Real Estate agents in La Canada who specialize in helping home owners who are facing difficult financial situation by offering homeowners free real estate consultations. We offer free short sale processing and brokerage services for homeowners who want to short sale their home. The short sale process is highly difficult and it is very important to align yourself with Realtor who is experienced in working with short sales. We hold the Distressed Property Expert Certification and have been successful processing short sales throughout our real estate career.

What is a Short Sale?

What is a Short Sale?: A short sale is a sale of real estate in which the proceeds from selling the property will fall short of the balance of debts secured by liens against the property and the property owner cannot afford to repay the liens’ full amounts, whereby the lien holders agree to release their lien on the real estate and accept less than the amount owed on the debt. Any unpaid balance owed to the creditors is known as a deficiency. Short sale agreements do not necessarily release borrowers from their obligations to repay any deficiencies of the loans, unless specifically agreed to between the parties. See Sample Approval Letter

Short Sale Benefits: A short sale is often used as an alternative to foreclosure because it mitigates additional fees and costs to both the creditor and borrower; however both will often result in a negative credit report against the property owner. ( See Short Sale vs. Foreclosure Chart )

Short Sale Qualifications

The qualifications for a short sale include any or all of the following:

1. Financial Hardship – There is a situation causing you to have trouble affording your mortgage.
2. Monthly Income Shortfall – “You have more month than money.” A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
3. Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.
4. View short sale qualifications video

We are La Canada Short Sales Realtors, specializing in short sale real estate transactions in La Canada California.  Should you decide that a short sale might be right for you, We urge you to contact us today and get started on the road to recovery.

A successful short sale allows a La Canada homeowner with financial hardship to sell their La Canada home for what the market will pay, satisfy their mortgage, minimize credit damage, and avoid paying Realtor commissions and closing costs since lender will incur all costs associated with sale.

Short Sale Lender Benefits

Short Sale Lender Benefits: While La Canada home short sales were virtually unheard of only a few years ago, now the majority of lenders are negotiating and closing these deals. This is because short sales allow lenders to recoup more than they can from a home foreclosure sale and in a shorter period of time.

With lenders more motivated to sell homes than ever, homes can often be purchased at a discount to their current market value. With some patience, buyers can achieve the dream of home ownership at a bargain price via a home short sale purchase. Short Sale Can Be Win-Win-Win For Seller, Buyer, and Lender

Why Short Sale don’t Get Approved?

Why Short Sale don’t Get Approved? - The issue is that the lenders want the right type of deal with exactly the right paperwork and most agents are completely unaware of what the lenders want. This is why the majority of home short sales are either not accepted or take so long to close that buyers walk away. As an La Canada experienced short sale specialists and certified with the Distress Property Expert Certification we know how to submit a package the lenders will want to close.

Banks We Work With:

We are short sale specialists with:

• Bank of America short sales- Bank of America Equity line short sales.
  We are experienced Realtors working with Bank of America short sales and can help you to get an approval on your short sale request.
• Wells Fargo Bank short sales – Wells Fargo Equity Line short sale.
  We are experienced Realtors working with Wells Fargo short sales and can help you to get an approval on your short sale request.
• GMAC Short Sales – We provide short sale help to homeowners holding a GMAC mortgage.
• IndyMac Short Sale - ONE WEST Short sales We know how to successfully submit paperwork for a quick approval.
• CITI Mortgage Short Sale - CITI Short sales process can be a challenge but submitting a complete package will most likely get it approved.
• Wachovia Mortgage Short Sales – We offer Free Short Sale Help for Wachovia Mortgage Short Sales, and are familiar with the Short Sale approval process.
  Wachovia short sales can sometimes be approved in a matter of days. Call for more info.

Stop Foreclosure Specialist in La Canada, we can help you avoid foreclosure, our La Canada short sale realtors hold the certifications and the experience to help you avoid foreclosure. If you are a home owner and are facing financial hardship don’t wait call us for a free and confidential consultation.

RE/MAX Short Sale Network

We are short sale realtors and we are licensed in the state of California if you need a short sale in another state contact us so we can refer a short sale specialist in your area

With your financial future on the line, you need a La Canada Short Sale specialist! We urge you to contact us today if you think a short sale might be right for you. We will contact you right away to schedule an appointment to discuss your situation in strict confidence.

The Manzo Team – Short Sale Agents

RE/MAX Tri-City
626 296-2900