Careful, private help when things get complicated.
A hard situation deserves a calm, honest conversation. Everything you share with us stays private.
Reach out early. Your lender may offer options such as a repayment plan, a loan modification, or a short sale. A HUD-approved housing counselor can explain your choices at little or no cost. We are not attorneys or financial advisors, so we encourage you to get legal and tax advice as well.
A short sale is when a lender agrees to accept less than the loan balance so a home can sell. It takes lender approval, patience, and careful paperwork. Timelines are often longer than a standard sale.
These homes can be good opportunities, but they are often sold as-is and can take longer to close. Ann holds the SFR designation for short sales and foreclosures, and we will help you weigh the risks, review the condition, and write a realistic offer.