In todays unsure economy we have realized, that we need to develop a business helping homeowners avoid foreclosure and help get through this potentially devastating situation. Our focus is to help you and the banks from having to go through with a foreclosure. Believe it or not, banks do not want to be in the real estate buisness. They prefer to collect interest from preforming investments. Everyday banks are allowing homeowner, in default, avoid foreclosure. 

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Our primary objective is to offer pre-foreclosure solutions that enable struggling homeowners to walk away from a potentially devastating situation, keep their credit intact, and move on with their lives with as little stress as possible. We are real estate professionals who has made a primary focus of my business working with homeowners and their banks to negotiate a mutually beneficial solution.

Many times, the best solution is what is known as a Short Sale. A Short Sale is when the bank agrees to accept less than what is owed on the property as payment in full.  A Short Sale is actually win-win for both the homeowner and the bank… the homeowner avoids the devastation of a foreclosure and the bank avoids the time and expense of the foreclosure process.

A Short Sale is most likely the best choice for a homeowner who is

• behind on payments,
• experiencing a financial hardship due to any of the above circumstances, and
• upside down on their mortgage or has little to no equity in their home. 

Please call us if you are delinquent on your mortgage payments.  Here in Texas we have an extremely aggressive foreclosure process, which means that when you fall behind on even one mortgage payment, the clock starts ticking, and there may be only a brief window of time in which I can help you work out a solution with your bank.

How can we help you get out of a home you can no longer afford?

First off, You are not Alone.

Many homeowners are finding themselves in the potentially devastating position of falling behind on mortgage payments due to circumstances beyond their control, such as loss of job, divorce, or family illness. To make matters worse, many of these homeowners are also finding that they owe more on their home than the property is actually worth, making the property almost impossible to sell.

Why are banks willing to do a short sale? Because the alternative is foreclosure, and the foreclosure process is usually far more expensive than the discount that lenders take on a Short Sale.  In addition, they are willing to pay for our services -in other words- they pay my commission!  We help you get out of the house prior to it actually foreclosing on you, which can devastate your credit.  A short sale on the other hand is far less severe. 

How the Short Sale Affects Your Credit?

What happens to your credit as a result of this, you may ask? In almost every case we have ever worked on, the homeowner walks away from the situation free and clear with no further damage to their credit beyond the effect of the late or missed payments that led up to the situation.

The bottom-line: a Short Sale proves to be a “win-win” solution for everyone involved.

How Do I Get Paid?

In the Short Sale transaction, we basically and primarily act as you real estate agent, which enables us to be the liaison between you, the homeowner and your bank, as well as all other parties in the transaction. For this service, the bank pays our broker a commission on behalf of the homeowner.