Owe more than your home is worth? Let's find a way forward.
We negotiate directly with your lender to get your short sale approved, protect your credit, and get you to closing without the runaround.
This is a common situation, and there's a process for it. You're not the first person we've helped through this.
How a short sale works with us
Six steps, from your first conversation to closing.
Free Short Sale Consultation
We start by understanding your situation — your hardship and how it happened, and where your mortgage balance stands against current market value. We'll tell you honestly whether a short sale makes sense, or whether other options like a loan modification or forbearance should be explored first.
Hardship Package & Lender Authorization
We help you compile what your lender requires — a hardship letter, financial statements, a comparative market analysis — and get authorization to communicate directly with your lender's loss mitigation department, so you're not fielding those calls alone.
Price & List Strategically
We set a list price informed by what your lender is likely to accept, based on their required valuation, not just standard market comps — so the listing works with the approval process instead of against it.
Negotiate Offers & Submit to Lender
We field buyer offers and submit the strongest one to your lender for short sale approval, and manage buyer expectations honestly that this step can take weeks — that patience is part of what makes a short sale close.
Manage Lender Approval or Counter
We handle any lender counteroffers on price or terms, and keep the buyer engaged through the wait. This is often where short sales fall apart without active management — so we stay on it.
Close & Confirm Debt Resolution
We coordinate between you, your lender, and the title company through closing, and confirm exactly how your remaining loan balance is being resolved before you sign anything.
Common questions
Will this hurt my credit less than foreclosure?
Generally, yes. A short sale is typically viewed less severely by future lenders than a completed foreclosure, and can shorten the waiting period before you qualify for another mortgage. Your specific credit impact depends on your full financial picture, so we'd encourage confirming details with a credit counselor alongside the real estate side we handle.
What happens to the remaining balance?
It depends on your lender and state law — the balance may be forgiven, or in some cases a lender could pursue a deficiency judgment. We help you understand what your specific lender's short sale approval says about this before you agree to anything, so there are no surprises after closing.
How long does lender approval take?
It varies by lender, but it's rarely fast — weeks is typical, sometimes longer. We manage this actively on your behalf and keep the buyer informed throughout, since losing a buyer to an impatient wait is one of the most common ways short sales fall through.
What will this cost me?
In most short sales, your lender reviews and often controls the commission structure as part of their approval, which means it's not a simple upfront number the way a typical listing is. We'll walk you through exactly how this works for your specific lender once we're into the process — there's no cost to the initial consultation.
Everything you share with us is handled confidentially. There's no judgment here — just a clear, practical path forward.
Talk through your options
No cost, no obligation, and no pressure.
Your information is kept confidential and is never sold or shared for marketing purposes.