Short Sale

EVEN IF YOU DON’T HAVE EQUITY WE CAN GET YOU CASH FOR YOUR PROPERTY! 1-800-300-HOME (4663) FLORIDAHOMEOWNERSOLUTIONS.COM

WE HELP YOU KEEP YOUR HOME, SELL YOUR HOME, OR WE BUY YOUR HOME!

THE SIMPLE PROCESS OF SELLING A HOME WITH EQUITY WHEN YOU ARE FACING A FORECLOSURE WITH EQUITY IN YOUR PROPERTY, THE BANK IS GOING TO EVENTUALLY TAKE ALL OF YOUR EQUITY IF THEY CAN. THE EQUITY IS THE MONEY LEFT OVER AFTER YOU SELL YOUR HOUSE AND PAY OFF YOUR MORTGAGE.

HERE IS THE PROBLEM...

THE BANK IS CHARGING YOU LATE FEES, PENALTIES, INTEREST, ADMINISTRATION FEES, AND EVEN THE BANK'S ATTORNEY'S. SO LITERALLY EVERY DAY THEY TAKE SOME OF YOUR EQUITY.

HERE IS THE SOLUTION...

WE WILL HELP YOU NOT ONLY AVOID FORECLOSURE, BUT WE WILL ALSO PAY OFF YOUR MORTGAGE AND ALL OF THE EXTRA FEES SO THAT YOU GET AS MUCH OF THE EQUITY LEFT AS POSSIBLE.

HERE'S HOW IT WORKS...

STEP 1 You order a payoff statement from your bank for the balance of your mortgage.

(This will include all of the extra things your bank is charging you.)

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STEP 2

STEP 3

We make certain you have equity in your property so you can walk with some cash.

We pay off your mortgage and all fees within 30 days.

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If you don't have any equity in your home... then a SHORT SALE is your only option.

A SHORT SALE is FREE! When facing a foreclosure and the bank is not approving your loan modification to keep the house, a SHORT SALE is the ONLY answer. A short sale will protect your credit score and avoid having a foreclosure on your permanent record.

When you are in a short sale, you can continue to live in the property for the 4-6 months that it takes to get the short sale approved, and you don't have to make payments during that time!

A short sale is when a cash buyer makes an offer to your bank to buy the property for less than what is owed on your mortgage. If you don't have equity and if your property needs repairs, the property will not be worth the amount owed on the mortgage.

WE HAVE A TEAM OF IN-HOUSE NEGOTIATORS WITH MORE THAN 20 YEARS EXPERIENCE OF WORKING DIRECTLY WITH THE BANK, DEDICATED TO SUCCESSFULLY NEGOTIATING SHORT SALES FROM BEGINNING TO END.

SHORTSALES WE HAVE HAD A 99% SUCCESS RATE IN GETTING SHORT SALES APPROVED SINCE 2008! i. Stay In Home For 3-6 Months ii. Protect Your Credit iii. Get Relocation Money

1-800-300-HOME (4663)

SHORT SALES FACT SHEET

WHAT IS A SHORT SALE? In simple terms, a short sale is the process of selling a home for less than what is owed on the mortgage with the lender's approval. This is one of the best ways to avoid foreclosure.

HOW MUCH WILL IT COST? We do not charge any fees for our services.

CAN I KEEP MY HOUSE? NO. The purpose of a short sale is to get the house sold to stop foreclosure.

WILL I GET A WAIVER OF DEFICIENCY? YES! The lender will waive their right to garnish your assets or wages for the remaining mortgage balance.

A SHORT SALE TAKES 3-6 MONTHS, AND YOU DO NOT HAVE TO MAKE ANY PAYMENTS DURING THE SHORT SALE! ONCE YOU SUBMIT THE SHORT SALE PACKAGE, WE WILL DO ALL THE WORK!

CAN I STAY IN MY HOME DURING THE PROCESS? YES! You can stay in your home during the short sale process.

DO I NEED TO CLEAN OR MAKE REPAIRS? NO. You do not need to clean or make repairs. It is actually more beneficial to keep the house in its current condition - it may help in the short sale negotiations.

WILL MY INFORMATION BE KEPT CONFIDENTIAL? We know this is a sensitive subject and promise to protect your information with the highest level of care. All of the information will be kept in the strictest of confidence.

WILL I GET ANY MONEY FROM THE SHORT SALE? YES! Our experienced negotiators secure an average of $5,000-$10,000 in relocation money for our homeowners.

HOW LONG WILL THE PROCESS TAKE? On average, the short sale process can take anywhere from 3-6 months.

1-800-300-HOME (4663)

SHORT SALE THE PROCESS

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WE LIST THE PROPERTY FOR THE SHORT SALE. The bank requires us to list the property BUT we will NOT be showing your property.

We already have the buyer.

WE WILL COLLECT SOME DOCUMENTS FROM YOU TO COMPLETE THE SHORT SALE PACKAGE.

WE NEGOTIATE THE PRICE OF THE PROPERTY AND RELOCATION FOR YOU.

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YOU WILL FILL OUT A SHORT SALE APPLICATION THAT WE RECEIVE FROM YOUR BANK.

THE BANK WILL SEND AN APPRAISER TO THE PROPERTY TO DETERMINE THE VALUE.

WE GET YOUR SHORT SALE APPROVED SO YOU CAN MOVE ON AND NEVER HAVE TO PAY ON THE MORTGAGE AGAIN.

1-800-300-HOME (4663)

SHORT SALES WHAT ARE THE BENEFITS OF SHORT SALES?

There are many benefits to a Short Sale. A Short Sale is the best way to protect yourself from having a foreclosure on your record and ruining your credit. A Short Sale also gives what is called a 'waiver of deficiency'. This means that you will NEVER have to pay on your mortgage ever again.

It is important to know that you can start over and someday in the future be able to purchase another property. By doing a Short Sale, you will give yourself the opportunity.

Here are some benefits provided by a Short Sale: + Lowers credit ONLY 50-70 points + Full Waiver of Deficiency Bank will not pursue loan shortage + Affect credit for only 12-18 months + You may be able to purchase a new home immediately + Loan applications do not ask questions about a short sale.

You can report your home as sold. + Will not affect future employment opportunities + You will have another 3-6 months in your home while we negotiate your Short Sale

1-800-300-HOME (4663)

THE SHORT SALE CHECKLIST The bank will require some documentation from the homeowner for the Short Sale.

This information is confidential, so we will not share this information with anyone outside of our team. The documents that are in the list below are everything that the bank will require directly from you, the homeowner. Our team will work with you directly to put the Short Sale together.

Once you have the following information, our team will send everything to the bank and we will start the negotations on your behalf.

Current Statements for All Active Mortgages Must show Loan #, Bank Name and Contact Information

Information on HOA, If Applicable Include name and contact info for management company

Pay Stubs for the Last 30 Days From all parties named on mortgage

Bank Statements for the Last 60 Days PDF version with all pags included - even blank pages

Tax Returns for the Last 2 Years Must be signed

Completed Short Sale Package from Lender We will provide this for you to complete

1-800-300-HOME (4663)

STOP FORECLOSURE A 5 MINUTE CALL COULD CHANGE EVERYTHING. CALL US TODAY! JO COLONNA jo@floridahomeownersolutions.com 954-684-1368 VICTOR CARRERA victor@floridahomeownersolutions.com 305-998-9212

FLORIDAHOMEOWNERSOLUTIONS.COM 1-800-300-HOME (4663) Before using this service, consider the following information.

Florida Homeowner Solutions is not associated with the government, and our service is not approved by the government or your lender.

Even if you accept this offer and use our service, your lender may not agree to change your loan.

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