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There is STILL TIME to STOP foreclosure!
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 There is still time! Even if you are already behind on your house payments . . . even if a foreclosure sale date has already been scheduled . . . even if you think you're in the eleventh hour . . . the AZ Short Sale Team can help. It may not be too late! The AZ Short Sale Team has successfully negotiated an extension of the scheduled foreclosure sale date for many of our past clients, giving us time to submit offers to the bank and get successful short sale approval. If you are behind on your loan payments, contact us NOW! As property values continue to head south, many people are finding themselves upside down on home loans and possibly facing foreclosure. Christie Giannetto and the team of licensed REALTORs® with the AZ Short Sale Team can provide an alternative to foreclosure by negotiating a short sale with the lien-holder(s) on your property. A short sale can be negotiated when the amount owed on the property is more than its fair market value in the current market. By accepting the short sale, the lender avoids the lengthy and costly process of foreclosing on the property. For example, you might owe $300,000 on your house, but it may be worth just $150,000 in the current market. If your lender(s) allows you to sell at $150,000 and satisfy the loan, you've successfully completed a short sale. The Arizona Short Sale Team is one of the leading short sale companies in Arizona. Our goal is to help you sell your home and avoid foreclosure while minimizing your liability. We understand that there are a multitude of reasons why homeowners and investors get in over their heads and we know that every situation is unique. We take the time to put together a personalized plan of action based on your situation. It's important to know that each lender has their own set of processes through which they decide whether or not to accept a short sale and, while there are many similarities, each has its own requirements for approval. As a third party mediator, we have a distinct advantage in negotiating with lien-holder(s) on your property. First you will need to fill out the listing contract and application forms that will be provided to you. Once the listing paperwork is completed and returned to the AZ Short Sale Team, a Listing Specialist will immediately get to work marketing and promoting your property to find a buyer. Most of our short sale listings attract multiple offers and many end up in bidding wars! Once we have procured one or more offers on your property, one of our Short Sale Specialists will submit the "Short Sale Package" to your lender(s). Some of the things they will be required for the short sale package include: - Full disclosure of your current financial situation.
- Hardship letter.
- Last two paystubs for all working borrowers (including L&I and unemployment benefits).
- Last two years’ tax returns.
- Last two bank statements.
- Last six months’ profit and loss statement (if self employed).
- Authorization to disclose personal information.
The lender will likely require additional information, which we will collect from you and review before submitting it to the lender. Know your options so you can make the right decisions! The process of facing foreclosure can be an emotional event. Most homeowners that are faced with this situation have intense feelings of fear and anxiety. Whether you have been facing financial difficulties for some time or you are just in a recent slump because of job loss, injury or other set back, you must educate yourself. Making emotional decisions is NEVER a good idea when it comes to your home and your money. You owe it to yourself to find out if a Short Sale is the right option for you! FOR A FREE NO-OBLIGATION CONSULTATION WITH AN ARIZONA SHORT SALE SPECIALIST, PLEASE PROVIDE THE FOLLOWING INFORMATION: |
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