Are you Facing Foreclosure?

Are you considering A Short Sale?

What is a short sale?
Home sellers should consider a short sale when the value of their house or condo is less than the amount of the cumulative balance of their mortgage loans. For example, if your home is worth $200,000, but you have a loan balance of $200,000, then you should consider a short sale.

Benefit from Processing with us
1. The number one reason why people use us is we get short sale results.  We have established relationships with many lenders to expedite the process and we have processed hundreds with banks similar to yours, And we have references.

2. We have relationships with cash buyers. This will allow us to put an offer in immediately. By doing this, we will be able to process the short sale faster.  Remember, a bank will not consider a short sale until an offer is made. Bottom line we save you 2 months plus.

3. We have relationships with banks. These relationships will allow us to process the short sale quicker and allow us to discount the mortgage deeper.

4. In most cases we work with lenders to either waive the deficiency judgement so they wont pursue the homeowner after the sale goes through for the losses.

5. We will explain the process thoroughly and show homeowners how to avoid paying the debt forgiveness tax after a short sale goes through.

6. We will work with the lender to be sure the homeowner does not have to bring any money to closing. We work with the banks to pay any attorney fees, transfer taxes, property taxes, real estate commissions, 2nd or third mortgages liens.

7. Our team is available to discuss this with you and answer any questions you have.

8. We are local, so we will have a representative meet you face to face if you want.

Why will Banks Consider A Short Sale?


Banks are smart. They have known for the past 50 years that 5-10% of their borrowers will be subject to different hardships that will affect their ability to make their monthly payments. Some examples of a hardship include divorce, loss of a job, unexpected medical issues, death, loss in income, job relocation, etc. Such hardships may drive people towards bankruptcy.

Although lenders don’t like the idea of a short sale, they realize that a foreclosure is a more time consuming and costly option. In addition, lenders are aware that at anytime, if they choose not to do a short sale, the borrowers can file for bankruptcy. Such cases usually take 3-12 months to sort out, again adding to the lender’s losses.

By accepting a short sale, a home can be sold and the loan taken off their financial books fast. If they pursue a foreclosure, they run the risk of the process taking a substantial amount of time, during which the value of the property might depreciate.

In addition, once a property is foreclosed, it becomes the bank’s property and sold with an agent as a bank owned property. Such properties usually have tons of as-is disclosures, so buyers make low ball offers, further adding to the bank’s losses. Upon foreclosure, the property becomes vacant, which can often result in vandalism, robbery and wear and tear.

In addition, the banks don’t have strong skills in property management. Upon foreclosure, they will have to maintain the lawn, pay for the utilities, insurance, and winterize the property. In the end, they will have to list the home and pay a commission and closing costs anyway.

Now, you can see why banks typically want to go the short sale route and get the mortgage off their books.

Please fill the form on the top right hand side of the page, or call us now for an absolutely free and confidential consultation.

We are looking forward to serving you.

To get started, simply click the Get an Offer link below. There is no obligation, no costs, and no strings attached. Or if you prefer, give us a call at 1- 800-404-7184

Click Here To get Started Now

How the Short Sale Process Works
After discussing your personal situation and answering any questions , if you feel like moving forward, most lenders require a hardship letter to be written (which we will provide), two most recent months of bank statements, two most recent paystubs, and two prior years of  tax returns (only if you filed). We work with them to submit these items with an offer. Typically, banks will assign their in-house short sale negotiator within 30 days, and order an appraisal which they then use to determine how much to accept. In the mean time, they typically hold off on the foreclosure until a decision is made. Once they accept the short sale and the offer, they then will fax a short sale approval stating the conditions. Typically, they pay all the closing costs, they accept less than what is owed, they put in writing also that they will not go after the borrower for any of the losses (called a deficiency judgment). Often, they even provide relocation assistance. So why wait, give us a call so your problems can be solved.


5 Things Most People Don’t Know about Short Sales

  1. Banks will accept less than you owe on the mortgage which is what a short sale is.
  2. Banks will put in writing that they will not come after you for the losses referred to as a deficiency judgement
  3. Banks will pay all the closing costs in most cases to include any real estate commissions, transfer taxes, hoa/condo fees, attorney / settlement agent fees, liens for taxes and water bills, and other liens on the home for example credit cards, etc (usually lien holders will have to accept a discount).
  4. Banks will often pay relocation assistance to sellers
  5. You Will typically be able to buy another home if you wish in 2 – 3 years from the sale of your short sale home.

    Here’s what you CAN expect from us:

    • Get a Guaranteed home sale – at a competitive, agreed upon price.
    • Home purchased in “As-Is” condition – no need to make any repairs or improvements.
    • Fast and hassle free – we will send you an offer typically within hours.
    • No 6% Realtor® fee– you can save $1,000s in fees.
    • If you are behind on payments and have no equity we can show you several solutions.
    • Call you within 24 hours with a competitive offer.
    • We are Local.


or call 800-404-7184

 If you want a representative to call you click here.

 Principal is a professional investor and real estate broker.

 Capital Home Buyers – 9259 Old Keene Mill Rd, Suite 201 Burke, VA 22015 United States

 Phone:800-404-7184 Toll Free: 800-404-7184 FAX: (860) 371-3738