Short Sale Help

WE HELP without destroying your credit, and most of our clients can buy a new home immediately after their short sale!

Since 1999 we have had a perfect record of getting all our clients’ 100% deficiency forgiveness!

We have saved more homeowners from foreclosure than any other agent in Utah and the Seller is ALWAYS released from ALL deficiency obligations! We REALLY can help you with your “problem” real estate!

Government Home Owner Assistance Programs

The number of foreclosures in this country is simply too big to ignore. That is why a number of government-backed program have been created that aim to streamline foreclosure avoidance options. Government Programs


A reinstatement is the simplest solution for a foreclosure, but often the most difficult to achieve. The homeowner simply pays the total amount past due (including late fees) to the lender.

Mortgage Modification

A mortgage modification involves the reduction of one of the following: the interest rate on the loan, the principal balance of the loan, the term of the loan, or any combination of these.


Also known as a “friendly foreclosure,” a deed-in-lieu allows the homeowner to return the property to the lender rather than go through the foreclosure process.


A forbearance or repayment plan involves the homeowner negotiating with the mortgage company to allow them to repay back-payments over a period of time.

Rent the Property

This option does not require lender approval, but does require the home owner’s ability to rent the house for enough money to cover the monthly mortgage payment.

Service Members Civil Relief Act

If a member of the military experiences financial distress due to deployment-and their debt was entered into prior to deployment-he or she may qualify for relief under the Service Members Civil Relief Act.


Many believe bankruptcy is a “foreclosure solution,” but this is only true in some states and situations. Entering bankruptcy can be a risky and costly process. Be sure to seek the advice of a qualified bankruptcy attorney when pursuing this as an option.


Refinancing means you will acquire a new loan based on your current credit standing. If you have already missed mortgage payments, your credit score may make it difficult to find a loan with cheaper payments. Knowing that foreclosure can be avoided gives you the ability to develop a realistic strategy to plan for a future that is both financially stable and full of hope

Short Sale

If you owe more on your property than it is currently worth, by negotiating with your lender, you can sell the property for a price less than you owe and have your debt satisfied. This is a common solution and does not have to destroy your credit. In many cases, the homeowner is able to buy another home immediately after the short sale so they can get into a home that better fits their situation, without having to move the family to an apartment or worse, with the in-laws.

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