Loganville.Georgia Short Sale Help.com
This is a FREE SERVICE available for Georgia Home Owners.




Distressed Homeowners in Georgia are looking for foreclosure alternatives. Families all across America and especially in Georgia have experienced hardships due to many different reasons. Many distressed families have not been successful in getting a loan modification that will allow them to remain in their homes, due to lack of income, reduced income or loss of employment. When the loan modification option has been exhausted, lenders will most likely recommend the home owner consider a Short Sale. Lenders now realize that foreclosure is very costly and now more than ever lenders want to allow home owners to remain in their homes until they are sold. If your short sale is successful, many lenders are offering a cash short sale incentive, that does not have to be repaid.


What is a Short Sale?
A short sale can be an excellent solution for homeowners who need to sell, and who owe more on their homes than they are worth. In the past, it was rare for a bank or lender to accept a short sale. Today, however, due to overwhelming market changes, banks and lenders have become much more negotiable when it comes to these transactions. Recent changes in corporate policy and the Obama administration have also improved the chances of getting a short sale approved

But to be technical, here's a more official definition:
A homeowner is 'short' when the amount owed on his/her property is higher than current market value. A short sale occurs when a negotiation is entered into with the homeowner's mortgage company (or companies) to accept less than the full balance of the loan at closing. A buyer closes on the property, and the property is then 'sold short' of the total value of the mortgage.

Lenders are now more willing to help struggling homeowners with the Short Sale alternative instead of foreclosure. Lenders  currently accepting Short Sales in Georgia are: Bank of America Short Sales, Suntrust Banks Short Sales, Chase/EMC Mortgage Short  Sales,Citi Mortgage Short Sales, Wells Fargo Short Sales, GMAC Short Sales, and BB& T Short Sales. We have a number of clients that have mortgages with each of these lenders. If you need information about the Short Sale process, please contact me to begin the short sale process;the short sale process is FAST and Easy! A Short Sale may be the answer to your housing blues.

How to qualify to do a Short Sale?
For homeowners to qualify for a short sale, the homeowner must have a hardship:
  • Loss of Income, Unemployment, Reduced Income, Death of Spouse, Disability or Illness – The hardship must create a situation causing you to have trouble affording your mortgage.
  • Monthly Income Shortfall – In other words: "You have more month than money." A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
  • Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

Our Short Sale Process
We are Certified Distressed Property Experts. We fully understand the Short Sale process. When doing a Short Sale all lenders have a slightly different process. Therefore, it is imperative that you work with a Real Estate professional that understands the Short Sale process and is committed to helping you avoid foreclosure. We have been successful in getting Short Sale approvals for our clients. We have received approvals from, EMC Mortgage, Bank of America, Suntrust, Chase, Wachovia, BB&T and other well known lenders throughout the country. Many of the Short Sale processors and negotiators are awesome, service oriented professionals that take pride in working with real estate professionals and assisting the homeowners avoid foreclosure. Other lenders that I have worked with are still trying to figure out their internal Short Sale protocols that may sometimes slow down the process and allow important homeowner paperwork to slip through the cracks.

Short Sale Realtors Atlanta
Now more than ever, you need to find an advocate for you and your family's interests, one who is prepared to handle your specific needs. Real estate professionals with the Certified Distressed Property Expert (CDPE) Designation have trained extensively to understand the options, solutions, and effective methods for dealing with homeowners facing hardships. Don't risk your financial future and the potential sale of your home with an agent who does not have all the solutions. Call Lisa Jefferson, 678.480.5054 for immediate results.


Can I Short Sale My Home without a Realtor?
It is advisable that you seek professional help from a Realtor who understands the Short Sale process. There are certain forms that must be submitted with the Short Sale packet that can only be prepared by a licensed real estate agent or broker.

Unfortunately, too many homeowners facing foreclosure proceed without the assistance or advice of real estate professionals. Now more than ever, you need to find an advocate for you and your family's interests, one who is prepared to handle your specific needs.
Real estate professionals with the Certified Distressed Property Expert (CDPE) Designation have trained extensively to understand the options, solutions, and effective methods for dealing with homeowners facing hardships. Don't risk your financial future and the potential sale of your home with an agent who does not have all the solutions.
CDPEs fully understand that saving a home can save a life, which can save a family, which can save a future.

How long does the Short Sale Process take?
The Short Sale process can take up to 120 days or longer. In many cases if you received a foreclosure notice, you should act immediately by calling a real estate professional that can advise you of your options. Many Homeowners are not aware that the foreclosure can be postponed for up to 120 days or longer when working with a realtor who understands the entire Short Sale process.


Will my lender approve my Short Sale?
There is no guarantee that your lender will approve a short sale for your home.  If homeowners have been unsuccessful with a loan modification, chances are your lender may agree to a short sale. Lenders typically do not allow short sales on investment properties.

Will my lender really pay me (homeowner) up to $3,000 if the Short Sale is approved and the home is sold?

Yes, this is absolutely the truth, however the homeowner must qualify and your lender must be participating in the program in order for you to receive up to $3,000 at closing once your home has been sold. This relocation incentive is not a loan and does not have to be repaid. For more details, contact http://www.GeorgiaShortSaleHelp.com, Lisa Jefferson, Broker/Owner/Investor of the Atlanta Homebuyers Realty Group. Consultations are FREE  678.480.5054.























Short Sale Incentive Program
A spokesperson for Wells Fargo explained, short sale incentives are being offered to distressed borrowers in Georgia and other states when the foreclosure process is taking more than six months. The exact amount of the relocation funds provided to individual borrowers varies based on a number of factors.

Wells Fargo noted that this type of additional relocation assistance is only available on first-lien loans that the company itself owns – which represents only about 20 percent of the loans Wells Fargo services. The company must follow investor guidelines for the remaining loans it services.

JPMorgan Chase is also offering a range of incentives to borrowers that agree to a pre-foreclosure sale “because if
we can’t work out a modification, a short sale is a better solution for the borrower, the servicer, the investor, and the neighborhood than a foreclosure".

Chase says the amount of the offer “depends on a number of factors” but declined to share specific details on how much money it’s been providing to short sellers. One agent in Florida confirms that he has indeed received a letter from Chase offering $20,000 to a borrower he’s representing in a short sale transaction.

Citi has confirmed that its average incentive offer is currently $12,000 for borrowers in cases where Citi owns the loan. Call today for Short Sale assistance. Lisa Jefferson, 678.480.5054, Broker/CDPE, Atlanta Homebuyers Realty Group.


Do I have to move before the Short Sale is complete?
No, lenders prefer that you remain in your home until the short sale is complete. As a part of the short sale agreement, lenders require that you keep the home in good showing condition, allow access to real estate agents and maintain the lawn. On the day of closing, it is preferred that the property is vacant, so that the new buyer can take possession on the day of closing. While you wait for a buyer, most lenders do not require that you make a mortgage payment.


How Much Does it Cost to Short Sale My Home?
Georgia Short Sale Help is a FREE service to all home owners is Georgia. Our company is a Certified Short Sale Brokerage firm in Georgia. Our clients never pay a fee for any of our services.







Lisa Jefferson, Broker/Owner/Investor
Contact Us: 678-806-8151/678-480-5054
Atlanta Homebuyers Realty Group, LLC
www.webuyhomescashatl@gmail.com

We Provide Solutions:
  • We Buy Homes Cash
  • We Buy Homes FAST
  • We Take Over Payments
  • We Buy Homes Any Condition
  • We Provide Equity Share
  • We Do Short Sales
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