Short Sales

As a SHORT SALE EXPERT, I have devoted my career to helping homeowners who face difficult situations, taking them from uncertainty to resolution.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, I still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong! You need to have the CORRECT information. That’s why I am glad your here. Please read below.


Short Sales Explained

A Short Sale can be an excellent solution for homeowners who need to sell, and who owe more on their homes than they are worth. In the past, it was rare for a bank or lender to accept a short sale. Today, however, due to overwhelming market changes, banks and lenders have become much more negotiable when it comes to short sales. Recent changes in corporate policy and the Obama administration have also improved the chances of getting a short sale approved.

But to be technical, here’s a more official definition:

A homeowner is ‘short’ when the amount owed on his/her property is higher than current market value.

A short sale occurs when a negotiation is entered into with the homeowner’s mortgage company (or companies) to accept less than the full balance of the loan at closing. When a buyer purchases the property, the property is then ‘sold short’ of the total value of the mortgage.


For homeowners to qualify for a short sale, they must meet the following requirements:

Financial Hardship – There is a situation causing you to have trouble affording your mortgage.

Monthly Income Shortfall – In other words: “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.

Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

You need to have the CORRECT information. That’s why I’m glad you’re here. I have outlined the differences below .


This seems simple enough, but it is a complicated process that takes the expertise of experienced professionals. Because I am a certified short sale expert I am qualified to identify all possible options and, when possible, assist in the quick execution of a short sale transaction.

Please feel free to call me with any questions at 209-603-6886.

Robyn Brown - Short Sale Marketing

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