Oceanside CA Homes for Sale

Short Sale Experts

We understand that defaulting on your mortgage can be very stressful and often times a scary situation.  We have counseled many individuals and families in your same situation and have found that many people do not realize that they have options before foreclosure and one of them is a Short Sale.


The Benefits of a short Sale are:


  • You stay in control of your home and it sells Quickly and Easily for Top Market Value
  • You pay absolutely nothing, no commissions, no closing costs
  • Your home is SOLD BY YOU avoiding the stress and sometimes embarrassment of foreclosure
  • Your credit will be saved from the Foreclosure Ding
  • You walk away from your sold home with no debt and no tax consequences
  • You control any future costs.  If your property is sold at an auction, you may owe deficiencies and other expenses to the lender.  Under most short sales we negotiate, the homeowner will be relieved of this possible future headache.


We offer free, discreet consultations over the phone, at our office, or in your home and there is never any obligation.  We never charge you any out of pocket fees.  We are only paid by the bank when your home is sold.  We close 95% of our short sale listings and you will always deal directly with our team from the first phone call. 


What is a Short Sale?


A short sale is a win-win solution for the home owner and the lender.  The lender gets the highest price for a quick sale at a market price.  The borrowers get their credit restored and generally get relief from possible future legal actions and deficiency judgments.


Short Sales occur when borrowers sell their property for a sales price less than the amount owed to their lender(s) after all sales expenses, including brokerage fees, are taken into account.  In order for t his to take place the lender(s) must accept a discounted payoff; meaning the bank(s) get paid less than the full loan amount owed.  In a short sale, the homeowners get complete relief from all of their mortgage debt.


The end result is your home is sold, the mortgage is satisfied (paid off) and you avoid a foreclosure or a bankruptcy in the event of hardship.  Perhaps even better, your credit rating will almost immediately improve because your credit report shows you’re your mortgage was paid in full.


Cherise Zentic
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