Скачать или смотреть What is the Short Sale Process in MD?

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A: The short sale process as it applies to you consists of these steps:
1. Seek for a professional real estate broker to guide you through the early part of the process.
My recommendation to my clients is after reviewing their application of a short sale, to help them be fully prepared before contacting the lender.
As the borrower, you should:
· Gather your mortgage statements.
· If you have a 2nd mortgage include this as well.
· Include all monthly debt obligations such as car loans, credit cards, etc.
· Provide proof of current income.
2. Now Let's Contact Your Mortgage Company
· Call to book an appointment with a loan officer.
· Explain you are interested in a short sale.
· Ask for their short sale package
· Bring any additional information they have requested.
3. Include Financial Hardship Statement
· Draft a to-the-point letter outlining the reasons for your financial issues. (if needed)
· Explain why you are unable to honor your debt.
· Explain you prefer to short sale your home to avoid foreclosure.
· Ask for their understanding and assistance.
4. Introduce your Licensed Real Estate Professional to start the process
· Fully disclose all pertinent financial information on your home.
· Disclose all mortgage holders and lien holders.
· Request a CMA of your home.
· Price the home at current market value.
· Make the sale process as easy as you can by following your agent’s advice at
all times.
Call Fernando Herboso
Short Sales Specialists
301-246-0001