If so, you may be in defualt on your mortgage heading towards a “Notice of Default” (NOD), or one has already been filed on your property. The NOD is filled by the lender when they begin the actual foreclosure process. Once the NOD has been filed, you have 120 days until the “sale date”. You can view the foreclosure timeline here.

The reason you have received a note from us is that we have helped many homeowners in your same situation avoid foreclosure through the process known as a “short sale”.  In helping these individuals, we have been able to help them save their credit and find a resolution to their problems.

A “short sale” is the process of selling your property for market value and negotiating with the lender to take less than what is currently owed on the property. You can begin your search here within our site to learn more about the process of a short sale and what our team does.

Especially now that the Notice of Default (NOD) has been filed and has become public record, you must be extremely cautious of people contacting you offering “quick solutions”.

MAKE SURE to read our section on “What Not To Do”.   It's important to make sure you understand all of your options and the ramifications of each. Did you know that if you let your property go to foreclosure, there is the possibilty of the lender coming back to you AFTER the foreclosure in an attempt to collect? There isn't that chance after a successful short sale.

Here is a list of what we do and don’t do… Anyone offering assistance should be working by these same guidelines.

What We Do

• Listen to you, so we understand how to help
• Provide guidance, so you can move in the right direction quickly
• Put together a great Short Sale file, so your lender will want to work with us
• At all times PUT YOUR INTERESTS FIRST!

What We Don’t Do

• We don’t try and buy your property to take your equity
• We don’t recommend that you deed your property to a third party and give up control of your home
• We won’t lie to a lender to save a loan & more importantly, we won't lie to you or promise anything we can't deliver
• We don’t ask for any upfront fees – ever! Be very wary of any companies that ask for one.

Browse through our site which should answer quite a few of your questions, and please feel free to contact us at any time via email or phone with any questions big or small.

*** Did you receive a note card from us and your property is already listed with another broker? If so, we apologize. Our note cards are not sent out as a solicitation of business. Our mailing list is compiled from the public Notice of Default list and this card was sent to introduce our site and make sure you are fully aware of the options available to you in this difficult time. You can email us any time at info@sdshortsaleexperts.com with remove in the subject and your address in the body to be removed from any future contact. ***