Category Archive : Short Sales

Forestalling the Foreclosure Process

LENDER VS. HOMEOWNER

When a homeowner falls two or three months behind in mortgage payments, he is a homeowner in distress, or as the lender would consider it, in default. At this point the lender will notify the debtor of the default in writing, and request that payments be brought up to date.

In answer to the lender’s request, the debtor can either bring the mortgage payments up to date, if possible, or if unable to comply with the lender’s demand, request the lender to agree to a possible loan modification, or short sale.

If the lender agrees to a temporary loan modification, the debtor must prove his/her ability to pay the agreed upon reduced amount. Additionally, since the agreement would be for a limited time the homeowner must prove to the lender that his/her prospects are promising enough to renew original on -time mortgage payments upon the expiration of the loan modification agreement.

Another possible recourse for the homeowner in distress is to request the lender to agree to a short sale, whereas the house may be sold for less than the balance still owed on the mortgage.

In this case, the homeowner would be required to produce an offer to the lender from a qualified buyer. If the property is in foreclosure and scheduled for auction, the debtor’s attorney or Realtor will then contact the lender, advising of the offer and will attempt to convince the lender to postpone the auction, and accept a short sale.

Should the debtor file for bankruptcy, the court has the authority to issue an automatic stay, preventing all creditors, including the lender, from taking any further action or continuing any further proceedings –including an auction – from taking place.

The lender can request the court to lift the automatic stay, particularly if notice of default was filed prior to the bankruptcy filing.  However, if the trustee determines that there is nonexempt equity in the property, equity that can be liquidated to pay creditors, the lender’s request may be denied.

Homeowners in distress and facing loss of their property can find out if they are eligible to seek aid through the government’s Home Affordable Foreclosure  Alternatives (HAFA) and Home Affordable Modification program (HAMP.)

To prove eligible for HAFA you must apply to HAMP first and answer qualifying questions. Although there is too much detail in these programs to be included in this article, detailed information can be obtained from the following website:

The HAFA short sale program was put into effect on April 5, 2010, and is scheduled to expire on December 31, 2012.

Certainly, there are some legal alternatives for distressed homeowners, but the best advice is to act before your lender knows you have a problem. Tell them that you foresee a problem in making payments as scheduled and perhaps you may be able to work things out, even on a temporary basis, by being upfront and showing good faith.

If you have any questions about the short sale process, feel free to give us a call at 702.376.0088 for a free consultation.

Can short sale properties be a boon to buyers who are investing in a place to live, but a risky strategy for the profit oriented investor? Unfortunately, there are no easy answers to these questions, and each individual deal must be considered on its own merits.

In a simple case scenario, a short sale to a buyer who really loves the home, plans to live there for at least several years, and can purchase it at below or close to market price so there is some equity, has made a good deal. Certainly, if it is a nice piece of property in a stable, popular neighborhood, the home will build further equity over time.

A Las Vegas Real Estate Investor however, faces more complex issues when considering a short sale purchase then would a potential home owner, issues that may or may not prove worthy of the time or investment in a given property.

For example, is the property –under current market conditions-  considered to be “under water,”  meaning that the remaining balance on the mortgage, and/or a lien or liens of one sort or another are greater than the property’s fair market value?

In such a case, the investor would be looking at a property with no equity, so it would appear that there wouldn’t be any motivation to further pursue this deal.

Or would there be? If the investor is determined, the lien holder or holders might possibly be persuaded to release the lien or liens at less than face value. That could be one way of adding some positive equity to the property.

Of course, the lender would additionally have to agree to sell the property to the investor at a mutually agreeable price in order for that deal to make any sense to the investor.

Is a scenario such as this worth the investor’s time and effort, or should he/she be pursuing less complex and more promising deals?

Once again, there are no easy answers. Since there are so many variables to each and every deal, the investor, and his advisory team of Realtor, broker, attorney and CPA must evaluate every transaction on its own individual merits.

Although Las Vegas Short Sales are most often not the pot of gold at the end of the rainbow that some naive investors may think, there can be a decent profit potential in some short sale deals if all the right factors that are advantageous to the investor are in place.

Certainly, knowledgeable Realtors and investors are aware that the real estate “picture” will be constantly changing throughout the year, and no one knows when or what exactly will occur when lenders begin to release a new flood of REO properties to the marketplace before the year’s end.

One thing for sure, there is no doubt that the successful Las Vegas Real Estate Investor in these rapidly changing times will be the one who is flexible, observant, and able to adjust his/her goals to accommodate these changes.

If you have any questions about investing in Las Vegas Real Estate, feel free to give us a call at 702-376-0088.

No doubt, every investor in Las Vegas residential real estate is looking for the best of all deals; buy low and sell high properties. Obviously, most of the best deals will be found in distressed properties and motivated sellers.

There are many ways to locate these kinds of properties. Try the classified ads in your local newspaper, specialized publications, etc. Look at For Sale by Owner (FSBO) ads, pre-foreclosures, which would be listed under notices of default, foreclosures, (trustee sales,) and auction notices, (tax sale properties.)

Check public records at the county courthouse, where you can find leads through divorce records, real estate auctions, default notices, and probate properties.

Comprehensive internet property finding services can be a very time-saving and efficient way of locating the kinds of investments that best meet your criteria. Paying a monthly fee to these services can be a cost-effective way of finding properties. The web lists any number of these sites, so check them out and find the ones that best meet your needs.

Distressed properties such as pre-foreclosures, Tax sales, short sales, REO’s, probate, foreclosure and divorce properties are where you are most likely to find the hottest deals.

Check with lenders to find the agents who are handling their REOs, and/or www.reonetwork.com to locate bank owned real estate.

You , and the Realtor you work with, should maintain frequent contacts with bankruptcy, divorce  probate, and general real estate attorneys who can be excellent sources of information and leads to hot deals.

Properties up for auction can be located through various websites such as Realty Bid (www.realtybid.com) and Williams & Williams (www.williamsauction.com) among several others.

The Housing and Urban Development agency (HUD) is another source of finding distressed properties. Sign on to this website as an investor and you can bid on their listings.

Try the Veterans Administration (VA) listings as well. The county real estate tax authority, the Treasury Department, the Internal Revenue Service, and the FDIC (Federal Deposit Insurance Corporation) are additional resources that can be more than useful in uncovering distressed properties.

The United States Marshals Service is charged with the responsibility of disposing of seized properties, and can be another possible source of finding low-priced homes.

There are many methods and sources of locating Las Vegas Distressed Properties and hot deals, including even driving around neighborhoods to locate properties, although that is not the most efficient method of finding good deals.

Certainly, do not forget that your real estate agent is a most valuable source of information as well, and can keep you updated on properties of interest. Your agent’s broker and attorney contacts, as well as interaction with other Realtors will provide you with a constant update of relevant data.

If you have any questions about distressed properties in Las Vegas Real Estate, feel free to give us a call at 702.376.0088.

All the rage these days, a Las Vegas “short sale” to the uninitiated means snatching a valuable piece of property from a grateful lender or desperate property owner at so-called “bargain basement rates.”

Actually, the short sale phenomenon, born from the ashes of the Las Vegas housing burnout of the last few years, is not always what it may seem on the surface. One sees a property that may sell at a considerably below market price, just sitting there, waiting to be snatched up and moved into, or “flipped” for a fat profit. Or so you might think!

A short sale is the result of a home owner’s default on mortgage payments due to an inability to pay as the result of a loss of income, or some such related financial difficulty.  The homeowner is facing foreclosure, and the bank is confronted with an unwanted foreclosure proceeding.

So, a short sale is basically a problem solver of sorts for both debtor and lender. Both parties have agreed to sell the property, and the lender hopes the property will sell for as high a price as possible, but is willing to allow the distressed homeowner to sell at less than the mortgage balance if necessary, sparing the lender and homeowner the difficulties of a foreclosure proceeding.

Sounds simple, but it’s not. There are many complexities involved in a short sale, particularly since the prospective buyer’s price offering may or may not be acceptable to the lender. A further complexity for the buyer deals with the issue of the record low mortgage rates currently tempting competing investors from everywhere.

The record-low rates now in effect have attracted even more hungry investors roaming the real estate “jungle” and the lenders now realize they can minimize their losses by encouraging buyers to bid on these distressed properties, which has had the result of driving selling prices upward. Good news for the mortgage holders.

A further complexity –and often frustration – for the buyer is that, unlike in a “normal” real estate transaction, the prospective buyer’s good faith deposit money does not obligate a lender-who may be selling the home through a listing agent- to sell the home to the qualified buyer, or even have an obligation to sell at the original asking price for the property. Instead, the good faith deposit only means that the lender will consider the buyer’s price offer as one of many “bids” the lender is in the process of reviewing.

This process is to the lenders advantage, since the “bidding” encourages many investors to offer higher prices for the property than the competition. The frustrated initial bidder has no choice but to either withdraw the offer and search elsewhere or offer a higher bid and then patiently wait until the lender decides which of the investor bids is most acceptable.

We are not talking strategies here. We are only discussing the basics of the short sale procedure, and emphasizing that patience and persistence, and an understanding that the lender may take weeks, or even months to decide which bid would be acceptable, is the norm these days.

Having a thorough understanding of the processes and procedures involved in short sale investing is the foundation for a strategically workable approach to a profitable undertaking. Bottom line: short sale investing can be a lucrative undertaking, but only for the savvy investor.

One more thought. Since short sale deals often take so much time and effort to close, and as often as these deals can fall through, bidding on short sales shouldn’t really be the focal point of your overall real estate investment strategies.

Should you have any questions about investing in short sales, feel free to give us a call at 702.376.7379 or reply below with your questions.

Some of the most disappointed people I know are those who, without the knowledge, skills and experience required  to reach their investment goals, have banked upon unproven and unwise “get rich quick” schemes in order to “cash in” on the current glut in Las Vegas distressed properties.

Many of these people are would-be real estate investors who have bought into all the “hype” about how easy it is for ANYONE to get rich quick by buying, and “flipping” distressed Las Vegas Real Estate properties; single-family homes being the ideal.

Unfortunately, many of these people have little or no knowledge of what it really takes to be a successful buyer/seller of real estate, and are often only vaguely familiar with the various terms used to describe properties in distress, or how it is necessary to know the full meaning of these terms in order to devise the proper strategies necessary to profitably acquire these residential or commercial holdings.

For example:

• Las Vegas REOs: REOs or Real Estate Owned Properties can be, and most often are, bank owned (repossessed) properties that had been offered for sale through an auction or trustee sale, did not sell, and reverted back to the first mortgage holder – most often an institutional lender (the bank.) These properties are in actuality lender investments gone bad.

REOs are properties that have been accepted by a lender in lieu of foreclosure. In short, REOs can also refer to ownership of a property held by an individual or corporate entity.

• Las Vegas Short Sales:  In essence, a short sale occurs when a mortgaged property is sold for less than the balance due on the loan, a common occurrence these days.

A short sale is a real estate transaction that can be advantageous to the astute real estate investor, but is a transaction neither the lender or homeowner wants, since they both lose. The lender’s loan has gone bad and the homeowner is a homeowner no longer, has damaged credit, and has lost his investment as well.

Purchasing a foreclosed property requires more than just having purchase money. Not every foreclosure is a good deal. Depending upon a host of circumstances, some properties may be bad investments; extensive damage to the home caused by the former owners, severe flood or structural damage due to natural causes, property location in a blighted area, etc.

Additionally, one must understand the laws unique to the state in which the foreclosed property is located, in order to understand and negotiate the sale in accordance with those laws. Failing to follow the legal guidelines, and not properly preparing the necessary paperwork, could result in fines, lawsuits and possible revocation of the sale.

Finally, it’s important to also understand that there are various reasons, and different strategies required to become a successful investor in Las Vegas Real Estate. Establish your goals; fast turnover, long term investment, rental property, etc. Do your homework, seek advice from credible, knowledgeable sources, and go from there.

A Buyers Guide To the Short Sale Process

With Las Vegas Home prices and interest rates at an all time low, it is a great time for buyers to start shopping around.  However, it is a different market than it was five years ago and terms like “foreclosure” and “short sales” are on the tip of every real estate agent’s tongue.  Short sales can be a great way to save money on a property in Las Vegas, but it could come with some bumps in the road.  As a buyer it is important to know what you are getting yourself into.

A short sale is a negotiated settlement in which a lender agrees to accept less than the amount owed to payoff a home loan as an alternative to foreclosure.  The result is that the bank and the seller don’t have to go through the foreclosure process and the buyer gets the property at a discount.

Sounds simple enough, right?  Well, unfortunately for the buyer, the short sale process does not mean what its name implies.  It is usally not a short process.  Once an offer is submitted it can take anywhere from 30 days to six months to get an acceptance from the bank to do the short sale.  Some banks, like Bank of America, have historically been a very difficult instution in appoving short sales. Some of our team’s agents however, have reported Bank of America speeding up their approvals with the implementation of their Equator system. Equator is an online portal agents and the bank use to upload and process short sale documents.  This is where having the right agent is critical. Their experience can go a long way in helping a buyer analyze which short sales may have a better chance of closing in a more reasonable time frame and which ones a buyer may want to avoid.

Now that you are aware that you may be in for a long haul, here are a few things to expect when going through the process.  First, your offer will be submitted to the bank, while financial statements will be sent to the bank on the seller’s behalf to establish the need for the seller to do a short sale.  Second, the bank will do an appraisal on the property.  Third, a negotiator will be assigned when all paper work on the seller and buyer’s side has been submitted.  The negotiator will go through all the paper work and make sure everything works out.  At this point the bank should have an idea of what they expect to get from the property.  They can either accept the offer, counter the offer or reject it. If approved, the bank will issue letter which allows the property to be transferred. At this point the escrow can continue in earnest.

Each bank may have a slightly different way of doing things.  As well, each bank may work on different time tables.  Some work more swiftly than others, while some take their time.  What is important is knowing that it is often not a quick process, but if you are willing to wait, you could pick up a gem. A buyer will also have the benefit of locking up a transaction rather than being forced to continually look to foreclosures, many of which are now multiple offers due to the lower foreclosure inventory currently available.

Additionally, if you are a Las Vegas homeowner and have any questions about selling your home as a short sale, feel free to give us a call for a free consultation at 702.376.0088.

The Short Sale: An Under-Utilized Method to Avoid Foreclosure

We have an epidemic of foreclosures in America. Las Vegas, Nevada has been leading the pack in this grim statistic for over two years. I was at a real estate conference in Las Vegas last week and one of the panelists who consults on a committee working with the government made a comment which stunned me, 80%-85% of homes that are foreclosed across the nation were never listed on their local MLS (Multiple Listing Service) as a short sale prior to being foreclosed.

Many sellers who are stuck underwater usually end up feeling powerless after fighting within the system, and eventually give up. Sellers need to know that there are still options open to them that involve little or no cost which may save them from a foreclosure or even bankruptcy. Your REALTOR assumes the burden of dealing with your bank on your behalf, but the results can offer a buyer a much quicker return to normalcy.

A short sale is when a homeowner sells a property for less than is owed on the current mortgage. Permission must be obtained from the seller’s lien holders to do so, but if successful, foreclose is avoided. The process is complex, but the results are far more favorable to a seller than foreclosure. Under short sale, the debt is usually settled in contrast to a foreclosure where the bank gets the home back, but the issue of the debt is not settled and the bank may have strong recourse available to them to pursue the unpaid debt depending on State law. You will have to consult with an attorney on these issues.

People who know they have to alter their loans to maintain their ownership engage in an activity known as a “workout” of their loan. Most major workout options consist of the following:

1. Repayment of past due payments
2. Forbearance (temporary suspension of payments)
3. Loan modification
4. Short sale
5. Deed-in-Lieu of foreclosure. Investment homes are not eligible. Borrowers voluntarily give the property back to the bank. This is however, still a foreclosure.

With over 4 million foreclosure filings expected in 2010, alternatives to foreclosures are being encouraged by the Federal Government. In a market like Las Vegas, where plummeting property values have excluded many homes owners from curative programs such as Hope For Home Owners, the short sale is a viable option for many homeowners who know they cannot maintain the mortgage.

Sellers, go seek counseling on all the potential options up front. You want to move from one option to the next rather than try only one, stop to learn the next, and on an on. The problem with this strategy is you will run out of time to really mount a successful short sale effort. Don’t wait until two weeks before your home is due to be foreclosed and then try to take a stab at a short sale.

Going back to the original statistic that over three quarters of people who lose their home did not try to sell it demonstrates that the public is unaware or at the least uninformed that they can work with their bank to sell it, rather than have the bank simply come and take it!

Please contact Sena and Associates at 702.376.0088  for a free consultation on short sales and whether it may be a good option for you.

Unfortunately, the misconceptions many sellers in Las Vegas may have about this question often prevents them from pursuing one of the best options to a foreclosure—the short sale. They just assume that they won’t be able to pay any closing costs, have the money to cover buyer requested repairs and mostly believe they cannot afford a REALTOR.

In reality, if the seller’s bank approves a short sale, they will allow for the majority of these costs to be taken right out of the sales proceeds, including the REALTOR’s commission! In some cases, the seller may never have to contribute any money at all.

Now that being said, there is no guarantee that a seller will never have to contribute something to the closing. If you’re interviewing prospective real estate agents to list your property, and they tell you this, run! No REALTOR can make such a guarantee. You don’t even have an offer yet; you don’t have an appraisal; the bank has not evaluated the seller’s financial profile; and lastly, you certainly don’t yet have an offer from the seller’s bank with the terms of the short sale they are willing to accept.

Example:

Seller has a home on the market as a short sale for $200,000. The bank usually allow for many of these costs to come directly out of the $200,000.

• Escrow and Title fees
• Title Insurance
• REALTOR Commissions
• Taxes (both property and transfer taxes)
• Home Owner Association fees
• Legal Fees (if applicable)

I always try to minimize any potential costs my sellers will have to incur, and present in a straightforward manner, exactly what the benefits and negatives of the seller covering a certain cost, so that the seller can make an informed decision.

In the current Las Vegas real estate market, we are literally trying to settle hundreds of thousands of dollars of debt per property, so in some cases, the sellers may have to contribute something and should not automatically expect that they will not have to contribute in some fashion. When you look at what is often asked from sellers as compared to how much debt is being settled, the amounts are often staggeringly meager.

Some of the easier banks to work with on a Las Vegas short sale: Aurora, Nationstar, Wells Fargo, GMAC, Wilshire, HSBC, OCWEN, Specialized Loan Servicing

If you have mortgages with one of the above institutions and believe that you may qualify to do a short sale of your Las Vegas Home; then help may be easier than you think. The number one threat to successfully selling your home via a short sale (assuming you have a legitimate hardship and need to sell for less than you owe your bank) is the name of the bank on your mortgage statement.

I’ve found the above institutions understand the value of approving a short sale in an upside-down market such as Las Vegas is currently experiencing. The alternative is foreclosure, period. Foreclosed homes usually net less for the banks, so not approving the short sale is simply illogical. Lenders can get the homes off their books without ever having to take possession of the home—less liability, lower exposure to loss.

Banks that can make a decision on approving a short sale inside of 6 weeks will give those sellers a far better chance to complete a short sale as the end buyer will not get impatient and bail on the deal.

Sellers who can no longer make their mortgage or who will soon arrive at that point, give us a call to see if your lending institution has a reputation for really working with borrowers.  We can be reached at 702.376.0088 or you can complete the form to the right.  You can also read our most Frequently Asked Short Sale Questions.

Buying a short sale in Las Vegas is becoming a much more attractive option for home buyers as our currently inventory has been slashed in recent months. Of the 11,760 homes for sale right now in the Las Vegas valley, only 2,575 are bank owned foreclosures. As a buyer, if you factor in homes that will not be in your price range, reside in areas that do not interest you, as well as the condition of the home not being to your liking, that 2500 figure quickly gets whittled down. Of those few homes that may draw your attention, we are frequently seeing multiple offer situations and your chances of being the winning bidder are further reduced! Buyers get worn down with this process. Imagine having to go out and look at 25 homes a week in the heat of Las Vegas, put in offers on the couple you actually like, only to get shot down. This process can continue for weeks.

As an alternative, buyers have begun to turn to homes being offered on short sale terms. There are advantages to buying short sales vs bank owned.

1. You get to lock up your home under contract right away. A good agent, proficient in short sales, will know how to get that seller to commit to you as a buyer. Remember, sellers can still forward additional offers to the bank even if you have a contract, so having a strong agent, who can keep the seller committed to you is essential.
2. The real estate industry has becoming more adept at processing short sales in this market saturated with distressed sellers. Short sales have always existed, but never has the industry been forced to deal with the volume of foreclosures and short sales. Although not perfect, it is easier than a year ago, and getting better.
3. You often get to see how the home is being treated. With many short sales, they are often occupied, giving you insight into how they home is being maintained, something not available when you are making offers on vacant foreclosures. Also, the landscaping can also be saved, since all utilities are on at the property. Foreclosures usually take at least a couple of months to bring to market, and by that time the hot temperatures may mean you will have to schedule a trip to the local nursery once you move in to replace your burned out landscaping.
4. Sellers are usually very cooperative. They rarely fight you on seller contributions for closing costs, because they don’t care. They are not getting any money from the proceeds of the sale anyway. They are very appreciative of you as the buyer, because you (and your money!) are their ticket out of an impossible situation.

Most of the information out there about short sales is all negative; the pitfalls, drawbacks, etc., and very little about the upside. That is the purpose of this article, to show the benefits. To understand more about the short sales, continue to read through our blog as many topics regarding short sales here in the Las Vegas valley are covered. For immediate assistance, please give us a call at 702-376-0088.

Recently, I was very pleasantly surprised to receive a call from Countrywide (now known as Bank of America since the acquisition) regarding one of my Las Vegas Short Sale files. Usually, the communications goes in one direction, with me doing all the calling. The bank negotiator needed some updated information on the file, namely, a 2008 tax return and an updated worksheet detailing the monthly financial obligations of the sellers.  The negotiator gave me a deadline of 6 days to get her the information.

I left a voicemail and emailed my sellers about the information the bank needed and if they could fax it to me as soon as possible. It so happens that my sellers have moved out of State, so communication is anything but immediate. Knowing this might be a problem, I emailed the negotiator that I would do my best to get the info but we might need a couple more days to get them everything as a weekend was going to fall within the 6 day period.  As a show of good faith, I emailed all the information I had on hand to the bank and explained I was working on the balance.

On the following Monday, my assistant received an email from the negotiator stating she was missing some items. It was obvious that she did not read my previous email, so we fired off another message stating we were working on getting the info and would need a couple of more days. We also sought clarification of one item in particular, and asked her to explain it, and of course, help gain a delay in the deadline.

The next day, we get an email stating she cancelled the file and we would now have to start all over. Luckily, I complained to a supervisor that is was ridiculous to cancel the file when we were actively working to get the requested info. Sure, that negotiator gets a file off her desk, but now it goes on to someone else’s, only this time, a lot of work which was previously done will have to be needlessly repeated.

I could rant all day about this bank and person (the negotiator) who should have employed some common sense when evaluating a deadline, but this simply illustrates the challenges Las Vegas short sale agents have to overcome on a daily basis. I will not let this setback stop me, but it is a very stark reminder that we cannot get these deals closed without the cooperation of our sellers. The banks make us wait around for weeks and than out of the blue we have gather time sensitive information. Failure to do say may have significant consequences. As this situation demonstrated, sellers must stay in contact with us at all times and be ready to produce information as needed.

I am sure you hear many Las Vegas Real Estate Agents calling themselves a Short Sale Specialist.  Short Sales have become very prevalent in the Las Vegas Real Estate Market as many homeowners now owe more than their home is worth.  With the rapid decrease in home values, Las Vegas Real Estate Agents are trying to capitalize on this niche by calling themselves a Short Sale Specialist.  So what makes a real estate agent a short sale specialist?  Is it a few successful short sale transactions or maybe listing a few short sales?

Unfortunately that’s not the case.  Short Sales require a real estate agent that is experienced in marketing the home, obtaining an offer at or near market value, negotiating with the lender or lenders on the sellers behalf, coordinating with other lien holders and at the same time, keeping the buyer’s agent informed so their buyer doesn’t walk away due to the length of the transaction.  Some might say it isn’t necessary to obtain an offer at market value but if you are representing the seller, it is definitely in their best interest to get the highest offer possible.  This could be the difference in the Lender requiring the seller to hold an unsecured note or not.

Knowing the intricacy of the short sale process, Paul Rowe with Team Sena can be definitely called a Las Vegas Short Sale Specialist.  Paul’s entire responsibility is to represent our clients on the sale of their homes even though they owe more on the home than it’s worth.  He explains the entire short sale process and the importance of consulting with an Accountant and/or Real Estate Attorney in regards to the legal and tax implications of a short sale transaction.  He has been handling short sales for Team Sena for over a year now and has had great success.

If you are thinking of selling your Las Vegas Home and you owe more than it is worth, give Paul Rowe with Team Sena a call at 702.376.0088 or complete the contact form to the right.  If you have questions about the short sale process, check out our “Frequently Asked Questions on Short Sales”. Don’t wait till it’s too late, call us today!