Why a Short Sale Blog?

After earning my CDPE (Certified Distressed Property Expert) designation I was fired up. The landscape in my profession had changed drastically over the preceding 4 years. People were hurting…lots of them.

Our homes are one of the things we tend to take for granted and if there’s one thing this recession has taught us, it’s just how central a role our homes play in our lives.

Not knowing if you can continue to stay in your home, and being worried about where else you could live if you lost it, is a tremendously stressful ordeal to go through.  Add children to the mix, and it is pure misery.

The CDPE training showed me just how many options people had.  The problem was that no one wanted to own up to their situation.  When your security is shaken to the core, the appearance of stability affords you a comfort you are reluctant to give up, even if it is only the appearance and not the reality.

So, I started this blog with some definite standards…

  • Put all this great information from my training out there
  • Be unbiased and present ALL the options (not just Short Sales)
  • Allow people to access it in privacy without having to sign up
  • Be current
  • Give links to helpful sites
  • Alert readers to potential pitfalls

The blog has helped me too.  After months of wading through the morass of a tortured real estate market this blog gave me an outlet to do something positive. Being able to make a difference, even if I don’t know the person I helped, was such a relief

Things are improving, gradually.  First with the Robo Signing settlement, then the refinement and improvement of some government programs, as well as changes in both federal and state laws that protect the homeowner and help to level the playing field between them and their lenders.

I am happy you found your way here, and it is my sincere hope that the information here helps you.

Where Do You Begin?

Like a lot of difficult things in life, the first step is the hardest.

When you’ve come to the inescapable conclusion that there is just no way to keep up with your mortgage payments and that the longer you put off finding out what your options are, the worst things will be and the fewer avenues you will have open, you’re ready to do something, but what?

As a CDPE (Certified Distressed Property Expert), I know where to start and how to proceed and that is one of the biggest advantages I bring to the table on your behalf.   Everyone’s time frame is different and my approach will be different depending on how much time you have.

 CDPEs enjoy a 80% rate of success in Short Sales.

I’d like to see everyone exploring their options the day after they miss the first payment. Sadly, this hardly ever happens because we go into denial over our circumstances.  It’s a common human reaction, but don’t let it stop you from taking a step forward. Really, there should be no foreclosures hitting the market before a loan modification, and if that did not work, a Short Sale was attempted.

Unfortunately we see foreclosures hit the market every day where the home owner gave up because they just didn’t know there was any other way.

Picture a large flow chart with your house at the beginning.  On this chart there are connecting “routes” to the best outcome for you.  What route is taken depends on the amount of time you have, the number of lenders to negotiate with, and even the condition of the property.

The foremost goal is to save your home.  If that can’t be done, then to save your credit by Short Selling  your home.  So, where do you start?  By getting in touch with me by email or phone.  Let’s talk about what you are facing and what options are open to you.

Yes, I do short sales, but what I am after first is the best solution for YOU. I layout the options you may have after the facts of you particular situation are evaluated: loan modification, re-finance, non-profit services, federal programs,…  A short sale is one solution, but you may find a better one.

Foreclosures last approximately 7 years on  credit ratings.  For most families that is almost half the number of years their children live at home with them.

 

What is a CDPE?


What is a CDPE?

A Certified Distressed Property Expert® (CDPE) has a thorough understanding of complex issues in today’s turbulent real estate industry and knowledge of foreclosure avoidance options available to homeowners.

CDPEs can provide solutions, specifically short sales, for homeowners facing market hardships.

Homeowners regularly proceed without guidance of any kind through the often financially and emotionally devastating prospect of foreclosure. Speaking with a well-informed, licensed real estate professional is the best course of action for a homeowner in distress.

Through comprehensive training and experience, CDPEs have the tools to help homeowners find the best solutions for their unique situations and to avoid foreclosure through the efficient execution of a short sale.

CDPEs don’t merely assist in selling properties, they serve and help save their clients in need.

Living through financial difficulties poses a challenge for any family, so why make the process of finding a qualified real estate professional difficult too? Select an agent with the CDPE Designation to ensure you have a trained professional to address your specific needs.

If your circumstances are stressing you out, you need information and help.  Contact me now to arrange for a confidential consultation and let’s get you back on the path to stability.

Sheila Lawrence, Realtor, SRES, CDPE

e: SheilaKLawrence@gmail.com

p: 707.478.7240