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Valley Short Sale Expert
Lauren Nemeschansky
Remax of Santa Clarita short sale
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 REMAX of santa Clarita realtor

Valley Short Sale Expert

I am a certified short sale negotiator, certified distressed property expert (CDPE) and HAFA specialist. I know how to get short sales approved by all of the different lenders and banks including: GMAC, Bank of America, Chase, Wells Fargo, Indymac, Citi, HSBC, PNC, US Bank and more. I have also worked with almost all of them, successfully approving short sales and stopping foreclosures sometimes only days or hours away from the Trust Deed foreclosure sale. I do my own negotiations with the lenders; I don’t “farm it out” as many other “experts” claim to do. My services are provided 100% free to the homeowner, the lender pays all fees and costs, and all consultations are absolutely confidential.

What is a short sale ?

A short sale is a preferable alternative to a foreclosure by a homeowner who owes more mortgage debt than the value of the home or what is called “upside down”. The goal of the short sale is to be released from the mortgage debt for the first and second mortgage, Heloc, or equity line. If the short sale is approved, then the equity debt on the second is also released. In a foreclosure this is not necessarily the case. In many situations the homeowner my still be responsible, especially if the second mortgage was not purchase money or was refinanced, to the lender for the equity line.

Santa Clarita Remax realtor: When you are drowning have faith in G-d above. But when he throwe you a rope you better know to grab it.(my  Dad)

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Is a short sale for me?

Do you need to sell your home but owe much more than it’s worth?

Do you want to sell your home quickly AND get released from your mortgage debt ?

Do you want to save your credit and avoid foreclosure so that you can buy another home, possibly in as little as 24 months?

Do you want to avoid having a foreclosure on your record and its many consequences?

Do you want a short sale expert to handle all the paperwork and the hours of negotiations with your lender and the marketing and sale of your home free of charge to you, all expenses paid by your lender?

If the answer to any of these questions is yes, please sign up for a free no obligation consultation about the short sale process.

How do I get debt forgivness ?

Debt forgiveness is provided by the properly negotiated short sale a certified short sale specialist. This forgiveness is what makes it in the best interest of the homeowner to short sale a property rather than allow it to go into foreclosure where the holder of the second mortgage may still pursue a claim against the owner who no longer even owns the house. In a foreclosure, the holder of the second mortgage may pursue a deficiency judgment for the unpaid balance of the equity line that is not considered purchase money. However in a short sale where debt forgiveness has been approved the lender the second lien holder would have signed papers releasing any claims and consider your debt as paid off as settled.

How does short sale affect your credit score?

Short selling a home will cause less damage to a home seller’s credit score, FICO, than will a foreclosure. Usually the short seller will be able to secure a new mortgage loan to buy another home in about two years. A foreclosure on the other hand usually has a severe impact on a person’s credit score usually lasting and locking them out of home ownership for 5-7 years. While both the short sale and the foreclosure process will negatively affect the homeowner’s credit score, a short sale will cause extremely less damage to a person’s FICO score than would a foreclosure.

Comparing Bankruptcy, Foreclosure and Short Sale

Bankruptcy can often be avoided by doing a short sale since the equity mortgage debt on the second mortgage note can be forgiven, often hundreds of thousands of dollars worth of non purchase money. In a short sale this debt is forgiven in writing from the lender. A foreclosure has a very similar effect on your credit report as a bankruptcy and is in fact stamped on the credit report. Whereas a short sale is not stamped on the credit report but is only reported as “settled” by the bank so the short seller can quickly improve his or her credit and purchase a new home usually within 24 months.

Benefits of a Short Sale

A postponement of the foreclosure or Trust Deed sale (TD sale) and possible financial relocation assistance from the lender are some of the benefits of short sale. The banks and lenders will often give the short sale homeowner time to sell the house thus allowing them to remain in the home for several more months until the short sale is approved and the home is sold. This can take anywhere from three months to a year depending on the individual homeowner’s situation, the lender, and how quickly the short sale is approved. The homeowner is given ample time to relocate and knows well in advance of when the close of escrow date will occur. Sometimes the homeowner is provided with a moving allowance of several thousand dollars by the lender. A good short sale negotiator will find out what the needs are of the home seller and will work to negotiate to meet those needs. Certain home sellers have their own reasons and desires for a faster or slower short sale process, although some lenders do work faster than others in granting approvals, a good short sale negotiator will discuss the situation and what needs to be done with the home seller and then do his or her best to speed up or slow down the process to meet the needs of the home seller and the family needs to be done with the home seller and then do his or her best to speed up or slow down the process to meet the needs of the home seller and the family.

Santa Clarita Valley short sale information

If you are considering selling your home in the Santa Clarita valley you might find the following statics and trends of Santa Clarita Valley shorts sales interesting .

Contact Information

ReMAX of Santa Clarita
Valley Short Sale Expert
25101 The Old Road #232
Santa Clarita, Ca 91381

Phone: 661-310-8215
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About Lauren

REmax real estate agent
Lauren Nemeschansky is a REMAX
Real Estate agent serving
all of Santa Clarita,
Valencia, Stevenson Ranch,
Saugus, Canyon Country,
Newhall and Castaic.
San Fernando Valley and Los Angeles
HAFA short Sale Expert
CDPE certified real estate agent
M.S. Degree from California State University, Northridge
Real Estate License DRE#0172935:

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Short Sale Realtor Serving: Santa Clarita, Valencia, Stevenson Ranch, Saugus, Canyon Country, Castaic, Newhall
Copyright © 2013 All Rights Reserved. Valley Short Sale Expert, Lauren Nemeschansky
Lauren Nemeschansky is a Licensed REMAX Real Estate Agent DRE#0172935       Google
All information provided is deemed reliable but not necessarily accurate, neither Lauren Nemeschansky nor REMAX of Valencia shall be held liable for any inaccuracies or results thereof. This website and the information provided herein is for general educational purposes and is not meant to provide solutions for debt or mortgage problems or substitute for the counsel of a professional. Distressed homeowners are recommended to seek the advice of an attorney and tax professional. All rights to the content of this website are reserved and shall not be sold, duplicated, used or published in any manner without the express and written permission of Lauren Nemeschansky