Call Today for a Short Sale Request

(949) 652-3800

Do you want someone who has closed over a hundred short sales? Someone to manage you thru all of the Banks red tape and hassle.


I know how to guide you thru a successful Strategic short sale. So you can move forward on the Road to Financial Recovery and Peace of Mind.

Banks with completed Short Sales:

Bank of America, Wells Fargo

Ally Bank, One West Bank

Nationstar, CITI Bank

Chase, HSBC Bank, Aurora

PNC Bank, Sun Trust and many more.




There are a lot of programs today that are designed to help homeowners who need to sell their home. These programs “incentify” the homeowner so they will consider a short sale rather than just letting the property go back to the bank. If they qualify, the homeowner can receive anywhere from $2,500 to $40,000 to cover move-out costs. So, in some cases, our homeowners can walk away with more money in their pocket than equity sellers!

Some of the current programs available:


This is the best-known short sale incentive program. HAFA stands for Home Affordable Foreclosure Alternatives, and is part of President Obama’s Making Home Affordable Program. The main benefit of this program is that the homeowner will receive $3000 to cover move-out costs.

To be eligible for HAFA, the homeowner must meet the following requirements:

  • Your lender must participate in the HAFA program.
  • You have a documented financial hardship.
  • You have not purchased a new house within the last 12 months.
  • Your first mortgage is less than $729,750.
  • You obtained your mortgage on or before January 1, 2009.
  • You must not have been convicted within the last 10 years of felony larceny, theft, fraud, forgery, money laundering or tax evasion in connection with a mortgage or real estate transaction.

Other lenders that offer incentive programs**:

  • Bank of America Cooperative Program (incentive ranges from $2,500 – $30,000. Non-owner occupied properties can qualify as well.)
  • Chase Bank (Some borrowers have received letters offering them the option of participating in a short sale for a significant incentive (often between $20,000 and $40,000 dollars)
  • CitiMortgage (average incentive is $12,000, but some report being offered up to $35,000)
  • Litton Loan Servicing (incentive up to $5000)
  • Select Portfolio Servicing (SPS) – up to $20,000
  • Wells Fargo (Wachovia Bank) – current incentive range is $1000 to $7500
  • And many others!

Also, for California sellers:

  • Keep Your Home California – Transition Assistance Program (TAP):In this program, qualified California households that participate in a short sale or deed-in-lieu of foreclosure will receive up to $5000 at closing.

You can be assured that, here at Short Selling Solutions, our job is to insure that our homeowners are considered for every possible incentive program that their lender may participate in. Contact us today to discuss your particular situation and to investigate what options may be available to you.

(**An important note to Homeowners! Be sure to watch your mail and open any correspondence that comes from your lender! A lot of these incentives are only offered through the mail so you don’t want to miss out on this opportunity!)

Homeowner’s FAQs

Why would my Lender want to allow a short sale to help me?

The reason is simple: the lender is taking a loss on the property regardless, but a short sale will help minimize their losses because it often has a better return on investment for the lender than a foreclosure.
Will the Lender approve a short sale even if I am current on my mortgage?
Yes, in most cases. As stated before, to receive a short sale approval you need to show a hardship. However, a hardship doesn’t always have to be due to financial reasons – we have helped people who needed a larger home, wanted to downsize, or even relocated to a better school district. To learn more, we suggest that you call us so we can discuss your particular situation and help you determine whether or not a short sale would work.
How do I qualify for a short sale?
You qualify for a short sale if your property is now worth less than is owed AND you can show a hardship that would result in the inability to meet your obligation.
What is a Hardship?
Death or illness, divorce, loss or reduction in income, relocation, inability to sell or rent property, and business failure are some examples of homeowner hardships.
Can I still short sale my home even if I have 2 loans (or more)?
Yes, however it may require separate negotiations with each lender.
Can I still do a short sale even if the property is in poor condition?
Yes, in fact, lenders are even more motivated to do a short sale on properties in poor condition. They know that their losses start to skyrocket when a home is in need of repairs.
When should I start my short sale?
As soon as possible! Of course it is best to start before you go into pre-foreclosure but we can also process a short sale while the property is in foreclosure by getting the sale date postponed.
When do I have to move?
As in any typical sale of a house, you must move upon close of Escrow.
How does a foreclosure and a short sale show up on my credit?
Foreclosures show up as “FORECLOSURE”, and can stay on the record for seven years or longer. This makes it difficult for you to obtain any type of new loan in the future. It must also be disclosed on job applications. A Short Sale is listed as “SETTLED DEBT” or “PAID AS AGREED”, and is much less harmful to credit. Please consult a credit company for more information.
What liability do I have when doing a short sale?
In a short sale, lenders must report the loss to the IRS and will issue a 1099 for the difference in what the property sold for and what was owed. However, the Mortgage Forgiveness Act of 2007 temporarily waives these taxes for debts forgiven for primary residences. In some states, the bank also has the right to ask for an unsecured note (similar to an I.O.U.). As part of our negotiations, we ask the bank to consider these debts settled. The bank could also sue for a Deficiency Judgment. This may vary from state to state.
Please consult an accountant or an attorney for your tax or legal questions.
What are the advantages of a Short Sale?
The common-known benefits are avoiding foreclosure and minimizing the impact on your credit score. Also in a short sale, the seller is the one who is in control of what happens to the property (ie., choosing the best offer, determining close date, etc). However, there is often those less talked about benefits: financially it can allow the seller to start over or help improve their financial well-being, and emotionally it can help achieve peace of mind because you are now relieved of the stress and burden.
Is there any cost to me?
Absolutely not.
If I do not live in the property, can I still do a short sale?
In addition to primary residences, a short sale can be achieved on any type of property: rental properties, raw land, 2nd homes, mobile homes, and commercial properties.
How long does a short sale take?
On average, a short sale takes about three months, from submission to close of escrow.
How do I get started?
Either fill out our contact form on this website and we will get in touch with you as soon as possible, or call us at (949) 652-3800

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