Short Sale + Distressed · SFR Certified
You have more options than you think.
Behind on the mortgage, facing foreclosure, or upside down on a home you can't keep. There are real paths forward. As a Short Sales and Foreclosure Resource certified Realtor, I help you walk through them without judgment.
Read this first
The worst thing you can do is nothing
Most homeowners in distress wait too long. They hope it'll turn around, miss another payment, then another, and by the time they call someone the foreclosure clock has already started. The earlier you have a real conversation, the more options stay on the table.
A short sale, a deed in lieu, a loan modification, a quick equity sale: each protects your credit and your future differently. There is no one right answer. There IS a wrong answer: doing nothing.
Paths I help sellers explore
Every option, plainly explained
Short sale
Selling for less than you owe with the lender's approval. Often forgives the deficiency. Less credit damage than foreclosure.
Equity sale (fast)
If you have equity but can't keep up, we list aggressively and close fast, preserving your credit and your equity.
Loan modification referral
I connect you with HUD-approved housing counselors who can negotiate a modification with your servicer at no cost to you.
Deed in lieu
Voluntarily transferring the home to the lender to avoid foreclosure. I help you understand when this beats a short sale.
Forbearance navigation
Temporary payment relief while you sell or restructure. I help you communicate with the servicer in writing.
Stop the foreclosure clock
An accepted short sale offer often pauses or extends the foreclosure timeline. We move quickly when the calendar matters.
How a short sale works
From first call to closed file
- 01
Confidential intake
We meet privately. I review your mortgage statement, any notices you've received, and your timeline. No paperwork yet, just a clear read on where you actually stand.
- 02
Hardship documentation
If short sale is the path, I help you assemble the hardship package the lender will require: financial statements, hardship letter, supporting documents.
- 03
List and price strategically
Short sale pricing has its own logic: too high and the bank rejects, too low and you waste time. I price for lender approval AND market reality.
- 04
Negotiate with the lender
When we have an offer, I (or the negotiator I bring in) work the file with the loss mitigation department. This is where most short sales fail. I don't let yours fail.
- 05
Close + clean exit
Once approved, we close. I make sure deficiency language protects you, the move-out timeline is humane, and you walk away with a clean break.
“There is no version of this where I judge you. There is only the version where we figure out the next step together.”
Maddie Cowger, SFR
Hard questions, honest answers
One conversation. No pressure. Total confidentiality.
The earlier we talk, the more options stay open.