What Areas in Central Oregon Can We Short Sale Properties In? When it comes to short sales and what areas or cities we cover, it is the same as our traditional sales. We cover the entire Central Oregon area. We have agents that cover Bend OR, Redmond OR,Sisters OR,La Pine OR and Sunriver OR and the surrounding areas. So if a short sale is the next step for you, a friend, or family member, and they are located anywhere in Central Oregon, then do contact me. Our short sale negotiation team covers the entire Central Oregon area and if you are anywhere other than the these cities we can refer you to the right person. We can short sale all residential properties. Whether it is a condo, single family residence, or residential multi unit property, we can take care of it. The housing market is very fragile at the moment and the level of homeowners who are in default has risen and will continue to rise for sometime to come. Not a lot of the homeowners know about the short sale process and they just feel that there only option is to walk away from there home and let it foreclose. We do all we can to educate everyone out there about this process and show them that they can avoid foreclosure and that they don't have to give up and let the bank foreclose. If you know anyone who is in financial hardship and can not make there mortgage payments contact us immediately. The difference between and short sale and a foreclosure is big, and will have a lasting effect one way or another. Do you owe more than your home is currently worth and you need to sell your home? If so a real estate short sale may be the service you need. What is Short Sale? A real estate short sale is when you owe more than your properties currently value but you need to sell. In a typical situation, your mortgage lenders would require you to come in with the difference in the amount owed. A real estate short sale is where we negotiate with you lenders to accept a pay-off that is less than you currently owe and you do not have to pay the difference. What is Required for a Real Estate Short Sale? In order for us to get a real estate short sale accepted for you, we first must list your home for sale. During the listing period, you will need to provide the following documents to us so that we may package a real estate short sale request to your existing mortgage lenders. Documents required for Real Estate Short Sale, to be submitted to your lender once we have an offer!! Please gather the following: Last two years tax returns with W-2's and any tax schedules Most recent two months of paystubs Most recent two months of bank statements for all your accounts, including retirement accounts, 401k. Current mortgage payment coupons for existing mortgages Copy of original mortgage note and deed of trust With these documents we create a package as to why you require a real estate short sale and submit this to the appropriate department at your lender, once we have an accepted purchase offer for your home. Who can Qualify for a Real Estate Short Sale? Typically, the mortgage lenders will only accept a real estate short sale if you are at least one month behind on your mortgage payments, have a ready and willing buyer and you are unable to debt service all of your existing liabilities. Also, if you financial situation has changed and you are currently making less money than before and you have no more savings, you most likely qualify for a real estate short sale. This is the reason why we need to above documents to paint a clear financial picture of your current situation. Do You need a real estate short sale? If you owe more than your home is worth and you need to sell your home, please contact us regarding our short sale services. Contact us via email or phone with any questions....541- 312- 9449 or e-mail: Ruben@RGSOLD.com Please visit our website for a list of Central Oregon foreclosures and \ or short sales: http://www.bendoregonrealestate.com/landing.aspx?guide=FORECLOSURE_and_Short_Sale Ruben Garmyn PC, ABR, GRI, CRS, E-PRO Principal Broker \ Owner Prudential High Desert Realty "Team Birtola ~ Garmyn" # 1 OREGON Prudential Team EXPERIENCE ISN'T MORE EXPENSIVE ...... IT'S PRICELESS !! 541- 312- 9449 or e-mail: Ruben@RGSOLD.com Commissions Starting At 1% For A FULL Marketing Package List With Us ...And SELL BEFORE The Rest !! If you or anybody you know is looking for rental property in Central Oregon, please visit our "ALL OPTIONS PROPERTY MANAGEMENT" website www.Today4Rent.com www.PrudentialHighDesertRealty.com , www.TeamBirtolaGarmyn.com , www.BendOregonRealEstate.com
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