|
We're not like the other
companies, and we really don't want to be!
We're here to help homeowners that need assistance and/or
clarification in understanding their available options. This is your resource
for getting "Real Answers to Real Questions in Real Time" regarding
Short Sale as a viable option to your individual circumstances. Yes, there are many highly qualified professionals out there that can effectively
and efficiently assist homeowners, but understand that there are even more out there
that are not.
When you
chat, call or email us, we will convey the realities of your situation (good, bad
or indifferent). We know that the weight of
your home is on your shoulders. Our Short Sale
Negotiators are seasoned experts that bring extensive experience in
both residential mortgage banking and real estate transactions. We
advocate that Short Sale negotiations should be performed by
individuals and/or companies that are providing a similar "balanced"
approach. The Short Sale transaction is vastly different from the
typical Real Estate transaction - and it should be treated as such.
Real Answers to Real Questions in
Real Time.
We sincerely believe that our website (ShortSaleLiveChat.com)
provides a considerable amount of valuable information... but, to be perfectly
honest, you will not likely find the answers that will directly relate to
your individual circumstances.
This is where our website content
ends and our online 'Live Chat' expertise begins.
Take the time to maneuver through this entire website as it is 100%
here for your benefit. Also, visit our biography pages and
learn more about us. We encourage you to do this not only on
this website, but on any other company site you visit that pertains
to this subject matter. Remember: If they DO NOT have
their real estate license number posted on their website, it's quite
possible that they may not be licensed.
ShortSaleLiveChat.com is the dba of SMC; a licensed corporation with the California Department of Real Estate. License Number 00990963 (click here to access CA DRE Records).
How We Assist Homeowners.
In a nutshell, we will evaluate whatever
circumstances you wish to convey. You can do so anonymously
through our Live Chat Service, over the phone, and/or you can access our Secure Online Contact Form. If Short
Sale is a valid option for your individual circumstances, we will
indicate what we believe to be your best case scenario and clarify reasonable expectations.
We provide multiple ways to assist you depending on your lender, location and overall goals. We offer full services in-house and provide nationwide expert referral services for homeowners seeking professional assistance closer to home or to the subject property (wherever that may be). These services encompass lender negotiatons and residential property listing/selling services. There is absolutely NO cost to you for our services, and you should NEVER pay anyone for any related services in advance. FEES are paid by the lender and/or by the agents at such time the subject property is sold. ALL fees are disclosed and documented in accordance with the state laws, rules and regulations for real estate transactions.
What is a Short Sale?
A Short
Sale is a sale of Real Estate in which the proceeds from the
sale fall short of the balance owed on a loan secured by the
property owner. In a Short Sale, the bank or the mortgage
lending institution agrees to discount a loan balance due to
financial hardship on the part of the borrower. Learn more
about what a Short Sale is by visiting our page titled
What is a Short Sale.
What Can Be Accomplished From This
Website?
Our goal is to assist you in making an
informed decision. Short Sale is a viable solution. For many,
it will be the perfect solution... and for others, it may not
relieve the debt burden as much as needed. The effectiveness
of Short Sale will be determined by your individual circumstances; the willingness of your lender; and (very importantly) the persistency of your authorized Short Sale Negotiator.
Use this website to learn as much as you can; then consider
contacting us by phone, LiveChat or utilize our Secure Online Contact Form. THIS IS WHAT WE DO!
Our fiduciary responsibility is towards you. Click on the
'Start Live Chat' button when you have a question. We're ready
to prove to you that we are an exceptional service that knows and
understands all aspects of the Short Sale Transaction. WE ARE
HERE FOR YOU!
The 6 Month / 6 Minute Rule.
How long does it take an
underwater homeowner to face their reality?
ENDURING THE EMOTIONAL
HARDSHIP
The average person realistically needs approximately six (6)
months of consecutively paying their monthly mortgage with
having the full knowledge and understanding that their property
has endured significant devaluation.
KEY: This
is when you keep reminding yourself of how much you love
your home and your neighborhood. You know what is occurring
around you and try to maintain positive thinking. The thought of
having to move from your home is unheard of and you do not
likely want to show signs to your neighbors and/or friends -
Even if they may be enduring a similar situation.
For the complete story regarding the
6 Month / 6 Minute Rule, click here.
 |
Who Are We... And Why Does it Matter?
Richard S. Donine,
Founder
|
rdonine@ShortSaleLiveChat.com
|
(877) 778-8780 Ext 705
We're passionate about what we do. Our goals are
straight forward and transparent:
1. Assist homeowners by providing a website that
actually helps to better understand
available options. |
|
|
 |
| Click above to chat; Click
below
for information |
 |
|
 |
 |
"Err on
The Side
of Caution" |
Make Sure You're Not Just Another
Real Estate Commission or Retainer! |
Unfortunately, we chat with
numerous homeowners that may not be receiving the best
possible representation by their Real Estate Broker, Agent
or possibly even their Lawyer. Here are a couple of comments
that have been shared with us in the past week:
"My Realtor, he said that out of
200 Short Sales, 99.9% have never gone after the
deficiency."
- Los Angeles County, California
* If your agent claims that they have
closed 200+ Short Sales, please contact us. Provide us
with their name and real estate license number and we will
gladly qualify their statement. Secondly, do
not rely on the opinion of a Broker or Agent as it relates
to
deficiency implications. And if you do seek a
lawyer opinion - make sure he/she is qualified in the area
of Real Estate Law.
"My
real estate lawyer says the bank can come after me if I
short sale, but not for foreclosure"
- Los Angeles County, CA
* Based on the limited
information provided by the homeowner, they only have their
original purchase loan with their lender. Under these
circumstances, this homeowner may fall under the protection
of the
2007 Mortgage Debt Forgiveness Act. A Short Sale
is less impactful than Foreclosure. Note: We
don't claim to know all of this homeowners circumstances -
and we always recommend that homeowners consult with their
tax preparer and/or lawyer regarding potential deficiency
implications.
"My real estate agent told me that
they could sell my house a lot faster if it was vacant...
So, I rented an apartment and moved out."
- Orange County, CA
* This was completely unnecessary and
scenario is more likely the work of an agent that is not
familiar with the Short Sale process. In the end, the
homeowner is the one that will suffer. The Short Sale
transaction can take 4 to 6 months - and the homeowner can
continue to live in the home and (in most cases) will not be
required to make their mortgage payment throughout the
course of the Short Sale process. In addition, the
Lender prefers to have the property occupied by the
homeowner.
Overview:
Do not take
the word of your broker and/or agent when making a final
determination relating to potential deficiency balance or
deficiency judgment. Their opinion is just that (their
opinion)... Do not accept their opinion as that of a Legal or Tax Preparer
professional. |
|
