Short Sales

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Short Sales Can Help Home Owners!

We Do NOT Charge You!

Homeowners who are in a "Negative Equity" situation and are - or are not - experiencing a financial hardship, may be candidates for a Short Sale Payoff, in which the lender takes the loss! I can assist you in making that determination and WITHOUT any costs to you.

A "Short Sale" is a transaction subject to a lender's approval in which the lender consents to a sale of the security interest for less than what is owed on the note and takes a loss in order to avoid foreclosure!  A short Sale/Payoff will not affect your credit rating as much as a Trust Deed sale will. 

Of course the lender's cooperation is key in order to be successful. You, the homeowner SHOULD SEEK OUT THE MOST KNOWLEDGABLE AND EXPERIENCED PROFESSIONAL IN THE BUSINESS FOR HELP. I am a real estate broker with full experience with  distressed  and foreclosure-related transactions since 1980 and KNOW HOW to deal with banks and agents.  

You have several options available to you to solve your situation and I can assist you in determining which one will work best for you and your own situation:

NEGATIVE EQUITY:  Refers to as being "upside-down" and occurs when a property's market value is less than the outstanding debt and liens against the property plus the cost of selling the property. Lenders generally will not consider a Short Sale in the absence of hardship.

LOAN MODIFICATION OR FORBEARANCE: Loan Modification restructures the loan to enable the homeowner to make payments over a period of time or a decrease of monthly payments, depending entirely on the homeowners particular situation. Forbearance defers the loan payments until the homeowner can recover from a TEMORARY PROVEN financial setback.

SHORT SALE/PAYOFF:  The lender needs a complete picture and full package of the homeowner's financial situation and  hardship and the property must be "listed" for sale with a Realtor to attract a buyer. If the situation warrants a Short Sale/Payoff, the homeowner must seek the most knowledgable and experienced REALTOR to negotiate with the bank on the homeowners behalf and who knows how to market your property successfully. Such negotiations require extreme patience and knowledge how to handle your particular bank as they come back with a hard-line approach of what they will settle for, and again my office does not charge you for this highly complicated service.

I thank you for taking the time to read carefully this valuable information and please contact me for an appointment in my office or your home to discuss and resolve your situation, even if you are not behind in payments.

I hope to hear from you, Erika.





Erika M. Kay, Broker/Owner, Property Manager
Short Sale & Foreclosure Specialist (NARSFR)
SRES (Senior Real Estate Specialist)
Certified e-PRO

Independent Broker Consultants
1655 E 6th St. Ste A-1, Corona, CA, 92879
Office: 951-734-6447 - Direct: 951-545-3786
E-mail: - Website:
CAL BRE #008047509