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FACING FORECLOSURE?

                                                

THERE ARE OPTIONS!

Avoid Foreclosure, Eviction & Any Future Judgments

Underwater with your Mortgage payments?

We will negotiate with all of you lenders to forgive all of your debts and

avoid any future judgments by going through the process of a short sale

CONTACT US TODAY TO SEE WHAT ARE YOUR OPTIONS

347-459-8886

Glass Buildings

OUR SHORT SALE DIVISION Is an exclusive Short Sale negotiation firm with unmatched expertise, dedicated to getting your transaction closed quickly and smoothly, their model is to provide a full service, professional Loss Mitigation service at no charge to you

WE HAVE THE ABSOLUTE BEST SHORT SALE NEGOTIATORS
AND THE BEST LEGAL TEAM IN YOUR CORNER

Banks are run like a business because they are a business looking 

to earn a profit. If it costs more to foreclose over agreeing to a Short Sale, the bank is very likely to favor the short sale

PARTIAL LIST OF BANKS WE HAVE WORKED WITH

YOUR LENDER MAY GIVE YOU  CASH INCENTIVES 

JUST FOR DOING A SHORT SALE

Banks are run like a business because they are a business looking 

to earn a profit. If it costs more to foreclose over agreeing to a Short Sale, the bank is very likely to favor the short sale

FORECLOSURE vs SHORT SALE

THERE IS A BIG DIFFERENCE!

FORECLOSURE: Will affect you for many years to come and your ability to buy another home. In addition you might end up owning the remaining balance on you loan(s) after the auction sale (Deficiency Judgments) 

SHORT SALE: In addition to your lenders forgiving your debt, you might be able to get another loan from a major bank to purchase another home within 2 years or even in just a few months from a smaller lender​​

PRICING YOUR HOME RIGHT IS A MUST!

 

We work with private buyers and price your home in a way that will be attractive to both the buyer and the lender so we can close the deal smoothly and in a

timely manner

Beware of low offers on your house which will be
reject by your lender and may lead to Foreclosure

FREQUENTLY ASKED SHORT SALE QUESTIONS

What is a short sale


A short sale is the sale of a real estate property for which the lender is willing to accept less than the amount still owed on the mortgage. Short sales are a way for homeowners to avoid foreclosure




What if there is more than one loan on the house


If the loans has two different lenders we may be able to get both lenders to cooperate on a short sale solution. Typically, the first lender will offer the second lender a small amount to agree to the short sale. We will work closely with all parties to negotiate a solution




What documents are needed to proceed with a short sale


A hardship letter from the seller - Tax returns for the previous two years - W-2s for the previous two years - Payroll stubs for the last 30 days - Two months of bank statements - A comparative market analysis or list of recent comparable sales in the area (Done by us)




Do I have to be behind on my mortgage payments to proceed with a short sale


Although it is not necessary to be in default before a bank will consider a short sale, the files that get priority are those in default.




Am I qualify for a short sale


To qualify for a short sale you must meet any or all of the following criteria: FINANCIAL HARDSHIP - Can be issues such as: Loss of job, Loss of income, Relocation, Illness, Divorce, ETC INSOLVENCY– The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage




Do foreclosure proceedings stop while I try to do a short sale


There’s is no guarantee that the short sale will stop the foreclosure sale, but doing things the right way and in a timely manner will most likely end up in a short sale




How long does the short sale process take


From that point to the time of short sale approval, the average timeline is about 60 to 90 days. It means 30 days to sell + 60 days for approval + 30 days to close escrow = 4 months, on average. But it can also take much longer




How does my credit score get affected with a short sale


Your credit score will drop 100-150 points which is much better than it will be on a foreclosure sale




Can I stay in my home while doing a short sale


Most likely you will be able to stay in your home until the closing




What happens if the lender reject an offer


We will always try to renegotiate with the lender to reconsider. If the offer to purchase is reasonable most lenders are much likely to go with the short sale





 

Beware of Foreclosure rescue scams

Real help is FREE

Foreclosure rescue and mortgage modification scams are a growing problem that could cost you thousands of dollars, or even your home. Scammers often make promises that they can’t keep, such as guaranteeing to “save” your home or lower your mortgage, usually for a fee, often pretending that they have direct contact with your mortgage servicer

Don't Sign the Deed to your property to anyone unless you are working directly with your mortgage company to forgive your debt

We are one of New York's largest Real Estate companies 

One of our specialty is SHORT SALES, done  ABSOLUTELY FREE  to homeowners

Our mission is to provide clients with highest level of service of any Real Estate company,
thereby ensuring that properties are sold in an exemplary manner. We strive to deliver the

most professional service to our clients and customers so that transactions are completed

to the  satisfaction of all concerned

CHARLES RUTENBERG REALTY

Corporate Office: 255 Executive DR. #208

Plainview, NY 11803

Shmuel (SAM) Sherman
Lic. Real Estate Associate Broker

Member of New York State

Association of Realtors 

347-459-8886

Email: sam@shortsaleez.com

I am known for outstanding client service and availability, high tech marketing techniques, personal touches and as a skilled negotiator with my client’s best interests at heart. I believe strongly that it is not only my duty to represent my clients to the best of my ability, but also to educate them throughout every step of the process armed with top notch information and market insight, so that my clients make the best decisions possible. I am honest, hard working and knowledgeable about the real estate industry

Whether you are looking to do a

Short Sale, Conventional Sale or looking to Buy a House,

I'll be glad to work with you doing my very best!

I have over 20 years experience in the Real Estate industry

- SAM SHERMAN - 

 

Please fill the form below and I will get back to you ASAP

 
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