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Many homeowners have short sold their home and never missed a payment. The lenders will approve a short sale where the seller has not missed a payment when the following is in place.

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We receive calls all the time that go something like this “I have fought the bank for year and half, and after paying thousands and thousands I have decided to short sale, can you help me”?

Ethan Besser of Keller Williams DTC in Denver Colorado has earned the prestigious Certified Distressed Property Expert (CDPE) designation. This is invaluable expertise to offer at a time when the area is ravaged by homes in the foreclosure process.

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Partnership creates an easy-to-use online tool to assist Minnesota homeowners in postponing their foreclosure sale. For those facing foreclosure, that extra time often means they can save their homes.

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A potential home seller asked me, how do I we get paid on a short sale transaction? Here is the answer to that question.

"I would like to hire you to help me short sale my house. However, I am concerned that if the short sale doesn't go thru, then I will still owe you money. No. There is NO Costs to you, whether we are successful or not short saling your property

We talked to a homeowner recently about a short sales. Her house was close to being foreclosed upon very soon. She had thought about short selling the house. But, she had heard from her friends that banks don't really like short sales.

I see a lot of agents making mistakes on short sales property valuation. Lenders hire a supposedly impartial third party to value the property.

What do you do when the house isn't selling for any more money, but the bank keeps on rejecting the offers? You can give up, but then the seller loses the house to foreclosure.

If your loan qualifies for the HAFA program, then you may be eligible for a number of financial incentives. You can get up to $3,000 to help with moving costs.

"I am trying to buy a short sale. I have been waiting on an answer to my offer for 6 months. The agent tells me we should have an answer any day.

We received the following e-mail a little while ago from another agent that does short sales. It illustrates how the current short sale guidelines hurt the housing market and homeowners short selling their house.

"I have an FHA loan and want to get a loan modification. My bank is playing hardball and won't modify the loan at all. My friend got a loan modification and said it was pretty easy. What can I do to modify my loan?"

Local CDPE-designated agent, Rick Giese of RE/MAX Advisors, has developed a website report providing information regarding the truth about a mortgage trend called “strategic default,” where homeowners walk away from their mortgages.

Most mortgages are sold after they are made. We estimate that around 75-80% of all mortgages were sold before the housing crisis.

Sometimes it seems like short sales are tough. “Don’t try to short sale your house. Short Sales never go thru”, people tell you. “I had a short sale with a large national lender. The loan was owned by Fannie Mae, not the lender.

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The number one reason people short sale is to salvage their credit. After all, a short sale has much less of an impact on your credit than a foreclosure. Despite all this, banks still make short sales tough.

There are two things you must understand if you are doing short sales. They are BPOs and HUD-1s. A BPO is what the short sale lender uses to determine the value of the property.

It always amazes me when I hear the stories of agents who talk about horrible short sales are. "Don't waste your time on a short sale", they tell homeowners. "Not True... if you have been trained and have experience with Short Sales"

According to the Philadelphia Inquirer [1], Patrick Rodgers of West Philadelphia was able to "file a foreclosure action against Wells Fargo

Rick Giese of RE/MAX Advisors, has developed a website report providing information regarding the availability of lender and government programs to avoid foreclosure, including the Home Affordable Foreclosure Alternative Program, or "HAFA."

If you have been reading about short sales, then you have probably heard the term "BPO" and wondered what it meant.

It really gets on my nerves that people who don’t know what they are doing can ruin it for everyone else. If you are thinking about short selling your home, make sure you hire a competent, experienced short sale agent.

“So, you’re telling me that unless I can get you the TPG form filled out, then you will reject this short sale and subject your company to a potential $17,000 loss,?” “Yes, you are right”, she replied.

With The Seattle Times reporting 34.3% of Seattle-Tacoma homeowners are underwater, Tacoma bankruptcy attorney Dave Yando says more foreclosures and bankruptcies are inevitable. But Mr. Yando provides debt solutions and he prevents foreclosures.

A home owner thinking of a short sale recently asked us why they should short sale versus just walking away and letting their lender foreclose on the home. We gave them the normal answer: “It’s much better for your credit.

“I have not been late on any payments but my income will be changing dramatically towards the end of the summer. What is your exact service and what are the fees involved?

Lenders and the federal government, prompted by the sheer volume of loan modification and short sale requests, have overhauled their systems and programs, making the foreclosure avoidance process much easier than in the past.

Have you heard the following myths about short sales? Myth #1: You can buy short sales for dirt cheap and then turn around and resell them for a profit.

Many think that the short sale lender is in charge during a short sale. Not true! The short sale lender can only veto short sale offers. They can’t put the property up for sale or decide who to sell it to. Only the home owner can do that

A home owner thinking of a short sale recently asked us why they should short sale versus just walking away and letting their lender foreclose on the home. We gave them the normal answer: “It’s much better for your credit.”

Should you walk away or should you stay? That's the big question. Here is how I think you should determine whether or not you should walk away from your home.

We often get asked if a short sale is even worth the effort. "Do I need to have my short sale "Approved" by my lender before I put my home on the market?" one seller asked us.

According to data from the National Bankruptcy Research Center, US bankruptcies have reached a 5 year high. The last record was set in 05. That record was set because bankruptcy laws were being tightened up.

“Why don’t I just let the bank have the property”, sellers tell us. “I don’t ever think I’ll be able to fix my credit to be able to buy another house.”

We often get asked if a short sale is even worth the effort. "Why don't I just let the bank have the property", sellers tell us. "I don't ever think I'll be able to fix my credit to be able to buy another house."

"I am working on a loan modification on my home. I just don't want to be upside down. Why should I pay on a mortgage that is twice as much as my home is worth, plus the interest on that mortgage? It just doesn't make sense.

"Is it legal for a short sale seller to buy the house he is selling on short to reduce his mortgage loan?"

"I am a California Resident but have 3 distressed Florida Properties pending foreclosure. Under Florida law a creditor cannot garnish wages. Will investor pursue deficiency? If yes, will they follow FL or CA law? Thanks, Phil.”

The Stop Foreclosure Institute recently received a question from Brent. "If we are not behind on our mortgage but can't sell our home through a normal sale because we don't have any equity, can we still qualify for a short sale?

What most divorcing couples who own property with loans on it are not told until it is to late to save their credit ratings.