Short Sale (We Negotiate Everything)
We manage the lender, buyer, title, and timeline so you can exit cleanly — no out-of-pocket fees from you.
How It Works
Case setup
Authorization, payoff/arrears, valuation, and listing/buyer strategy.
Package & submission
Hardship, net sheet, contract, proof of funds — complete first pass.
Negotiation
Counter lender value, resolve liens/HOA/taxes, investor/MI approval.
Approval & close
Clear to close, relocation assistance (when eligible), smooth handoff.
What You Can Expect
- Postpone auction while file is under review (when eligible)
- Deficiency balance typically waived in approval
- Move-out timeline coordinated with buyer and lender
- No junk fees — we’re paid from closing
Document Checklist
- Hardship letter & financials (bank statements, paystubs, tax returns)
- Mortgage statement(s), NOD/complaints, attorney info (if any)
- Photo ID & occupancy letter
- Purchase contract + buyer proof of funds (if buyer in place)
Tip: If you don’t have everything, send what you do have — we’ll triage and request the rest.
FAQs
How long does a short sale take?
Commonly 60–120 days in NY depending on servicer, investor and title issues.
Can I stay in the home until closing?
Yes, unless there’s a court order saying otherwise — we coordinate a practical move-out.
What if there are HOA or tax liens?
We sequence payoff demands and get lender sign-off in the approval letter.
We’re not a law firm or HUD agency. We coordinate with approved counselors and your chosen attorney. Your situation is unique; timelines and outcomes vary.