Working with SELLERS in a SHORT SALE:

• We make sure that your all short sale expenses are paid by your mortgage lender and it is FREE to you

• We strive that the mortgage lender forgives and settles all your mortgage debt obligations

• We serve as your liaison between you and the lender, and provide you with the experience and timely service

• We offer assistance in finding a new home for you and your family

Many believe that a short sale is better in the long run for the homeowner versus a foreclosure. Foreclosure damages a homeowner's credit history and is much harder to recover from and buy another property in the future. A foreclosure will stay on tone's credit for at least 10 years, it's quite similar to bankruptcy, and is sometimes is worse on a credit than bankruptcy. Short sale is like a “settled debt” on a credit report and if started earlier causes considerably less damage and is easier to recover from. For every missed mortgage payment( or a credit card or a car payment, etc) one may need to show 6-12 months of on time payments in order to qualify for a home purchase again. Therefore, it's crucial to start a short sale as earlier as possible and preferably before the homeowner is 3 months delinquent on their mortgage. If a seller is 3 or more months delinquent on a mortgage – there is still time to start a short sale, and sell a home through a short sale.
 

SHORT SALE may be an OPTION for you if you are a SELLER:

• who is delinquent on your mortgage and need to sell your property

• who owns a home and due to job loss, illness are not able to keep up with your mortgage payments

• who is going through a divorce, bankruptcy and must sell your home and owe more than what the home is worth

• who needs to sell fast due to job transfer or relocation and is either up to date or delinquent on your mortgage payments, does need to sell and that house market value is lower or close to what's owed

• bought at a pick of a real estate market and know the property is not as must as you paid for it, and do need to sell

• an investor or a homeowner who own units in CONDO and TOWNHOME communities where bylaws have changed to reflect a “NO RENTING” policy and you need to sell

   

It is important that a property owner needing to do a short sale works with a qualified Real Estate Broker / REALTOR who will assist in negotiations with the lender, properly position and widely expose your property on the market and attempt to save any equity that may still be left in a property, and help the homeowner avoid foreclosure stamp on their credit.

Feel free to contact us for a FREE consultation to see if a SHORT SALE is a best option for the sale of you property. We understand that it's a very tough time for you and your family, and highly respect your privacy and will provide you with courteous and efficient service. This consultation is strictly confidential! We are here to help you the best we can!
 

Truly Yours,

Irina Allison

Principal Broker and Founder of Apex Real Estate Broker

APEX Real Estate Brokerage, Inc., 2718 Caton Farm Road, Joliet, IL 60435

Phone: (708) 408-4934, Fax (708) 777-6085