Free Short Sale Modification Help

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Homeowners facing a financial hardship and are in a "Negative Equity" situation, have no choice but to consider one of several solutions for their situations to be able to save their home namely:

A Loan Modification, Short Sale/Payoff, Forbearance or a last resort Trust Deed Sale. These are the options a homeowner is facing when "under water"

A "Loan Modification"  is probably the very first step most homeowners will consider and take. It 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.  The lender needs a complete and thorough picture of the homeowners financial hardship situation including complete financial documentation.  The homeowner must fully realize and be aware that the lender may or may not agree to modify their loan and be willing to accept less than owed.  Therefore for the homeowners negotiation to be successful, it is most important to select a highly knowledgable and experienced REPRESENTATION who knows how to deal with the bank for an acceptance!   

If the "Loan Modification" should be turned down by the homeowners lender , then the next step for the homwowner to consider is a "Short Sale/Payoff."  And again the situation warrants a complete picture and full package of the homeowners "HARDSHIP" situation.  Also, the property must be "LISTED" for sale with a  REALTOR and hopefully with an offer to be presented to the lender before the lender will consider and accept a Short Sale Payoff.

If for some reason a Short Sale should fail, then a "Forbearance" that defers loan payments until the homeowner can recover from a proven - temporary financial setback. Again, depending entirely on the individual financial situation.  

the last step if all the above fails is the dreaded "Trust Deed Sale" which will affect a homeowners credit as bad as a bankrupcy and will stay on the record for many years to come.

for more detailed information please contact me or please attend one of my highly informative FREE Workshops.




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