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Each month AR runs numerous contests as a way for our members to engage in activities
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These state pages or hyper-local pages provide content directly related to a specific geographical location.
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St. Michael, MN home owners going through financial difficulties due to loss of job, health or other hardship may be eligible to short sale their home. A short sale simply means to sell the home for less than what is owed on the property. If you have multiple loans against the home, a short sale agreement will be needed with all of the lenders.
When considering a short sale, you need an expert in negotiating short sales with your lender. Not all real estate agents are trained in handling the complexity of a short sale. As timing is critical in the completion of a short sale, you need to be confident in your real estate agent's abilities. At Edina Realty Buffalo, we have several agents who are certified and trained in negotiating short sales. Please call us before making your decision, we may be able to provide you with information that can help you make the best decision. Our office is only 10 minutes from downtown St. Michael so we are easily available.
To get your short sale package going with your primary lender, you will need the following:
From the REALTOR
• Fully executed listing agreement
From the Homeowner
• Signed and dated financial worksheet listing all monthly
• Signed and dated hardship letter (why they are unable to
pay the mortgage).
• Letter authorizing the REALTOR access to information on
the account. It must be dated and include the last 4 digits
of the borrower's Social Security Number, their signature,
the full account number and the property address.
There are additional options for a distressed home owner such as deed in lieu of foreclosure, loan workouts, etc. If you need a reliable source of advice regarding the short sale of your home, contact the Minnesota Home Ownership Center
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.