Sometimes Life Just Doesn't Go as Planned. 
Circumstances can change in an instant and sometimes difficult decisions may have to be made. If you think you may have to consider a short sale, the time to act is now. Don't wait for the foreclosure clock to start ticking, know your options now so you can better prepare for what may lay ahead.
A good first step is to visit to see if you may qualify for relocation assistance.
Contact me Today to schedule an appointment to discuss your particular situation and see if a short sale may be right for you.

What is a Short Sale? 
In a nutshell, a short sale occurs when a homeowner's mortgage company or companies, agrees to accept less than the full balance of the loan at closing. 

Do I Qualify? 
A homeowner may qualify for a short sale if:

  • There is a verifiable financial hardship.
  • The homeowner is financially insolvent. 
    (Meaning that they owe more than they have in liquid cash or assets that could be used to pay down their mortgage.)

What is an Acceptable Hardship? 
There are many scenarios that could be considered an acceptable hardship, some of these are:

  • Loss of job
  • Business failure
  • Damage to property
  • Death of a spouse or family member
  • Severe illness
  • Divorce or separation
  • Military service
  • Payment increase or mortgage adjustment
  • Medical bills
  • Incarceration

Options for Homeowners in Distress.

  • Reinstatement
  • Forbearance or Re-Payment Plan
  • Sell the Property
  • Rent the Property
  • Refinance
  • Short-Refi
  • Mortgage Modification
  • Deed-in-Lieu of Foreclosure
  • Service Members Civil Relief Act (SCRA) - More Info
  • Short Sale

Communication is Key 
Communication and cooperation are essential to a successful short sale. Your lender(s) may, and often do, ask for additional and/or updated documents during the approval process. Responding as quickly as possible to requests will help expedite the process. 
Here is a list of important documents that you should begin to gather to submit for a short sale:

  • Last 2 months bank statements for all accounts
  • Last 2 paycheck stubs for all borrowers
  • Last 2 years tax returns (federal) with all schedules
  • Last mortgage statement
  • Last HOA statement (if applicable)

The short sale process can be tedious and emotionally exhausting, I am sensitive and understanding of the toll financial difficulties can take on families and relationships and the need for discretion. I have the knowledge and experience to guide you through the process with the utmost care and efficiency, AT NO COST TO YOU! Don't wait for time to run out, doing nothing is the worst option of all.

Help is Free and Confidential
Contact Me Today to Learn More!

Contact Info
Michael West

CA BRE# 01861187

The Dyson Companies

12707 High Bluff Dr, Ste. 200
San Diego  California 92130


Contact Me

This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by Sandicor®. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation © 2017 Sandicor®, Inc.