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Pacita has written a great article about short sales. On more than one occasion, I have seen the deal fall apart because of any one of these issues. The best advice is to consult with a professional about your short sale.
Seller decides to do a short sale....what shouldn’t he stop paying?
We’ve seen sellers walk with their tails between their legs, feeling defeated. What we can do for them, besides offer empathy, is to advise them on what they can and cannot do to make the short sale move forward.
Part of that counseling is to ensure they don’t do anything to jeopardize the sale.
Please note, no one will or should tell the seller to stop making their home mortgage to qualify for a short sale
Seller is financially strapped and would like to stop paying for several things. So what can he stop paying? Rather, what shouldn’t he stop paying?
Insurance. By all means, do NOT stop insurance coverage. This is still the bank’s property, and they need to protect their investment. There must be adequate coverage. Otherwise, the seller is at risk should anything happen to the property before it sells.
If and when the bank finds out the property is not insured, it will put a forced place insurance which is a higher cost than regular insurance the seller would pay for. Further, the bank will charge the seller for the cost of that insurance.
According to Money magazine, Forced place insurance is defined as “an insurance policy taken out by a lender or creditor when a customer does not carry insurance on an asset. The charges for this insurance are passed on to the customer.”
HOA fees. In case of properties where there are Homeowners Association Dues, the sellers are counseled NOT to stop paying these expenses because HOAs can file liens, too. Further, HOA can foreclose on the properties!
Utilities. Some sellers elect to vacate. This is not a good idea to totally vacate the property but if they absolutely have to, sellers should leave some utilities on: electricity and water. Leave some furniture in the house and put lights on a timer. And when agents show the property, they can turn on the lights, run the water
If there’s a refrigerator, it’s important to have electricity on because without it, that fridge will look like a gigantic Petri dish. When mold and mildew form in a closed fridge, cleaning it can be a real challenge. People will get an idea that it’s worse than it really is.
The opinions and general information in this blog are soley those of Kathy Sheehan. Specifics regarding an individual case should be discussed in detail with a loan professional. For a confidential consultation, please feel free to contact me via phone or email. All terms and conditions are subject to change.
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.