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Tag: short sale specialist

Have You Been Told You Won’t Qualify For A Short Sale?

March 27, 2012

Hello everyone Shawn Polston here with Tucson Short Sales, your short sale specialist in the Tucson area, thank you for taking a minute to check out my blog today. I work with Keller Williams in the Tucson area and use my blog to provide valuable information for distressed property owners on their options for avoiding foreclosure. If you are behind on your mortgage, or have seen the value of your home greatly diminished, please give stop by my website or contact me today to learn more about your options.

For my blog today I wanted to talk about getting a second opinion if you have been told you don’t qualify for a short sale. It is not uncommon for a distressed property owner or someone looking over their real estate options to be misinformed by a family member or selling agent. Usually this misinformation is surrounding the short sale process or whether or not their Tucson area lender will even consider completing a short sale. What surprises me the most is when I talk to a homeowner who is behind on their mortgage and has been told they will not qualify for a short sale. It is very rare for a lender in the Tucson area to not allow a short sale when the homeowner is behind on their payments.

So if anyone has told you that a short sale may be difficult or that you may not qualify I urge you to contact me for a second opinion. I have the short sale experience with all of the Tucson area lenders to help get your distressed property sold in a hurry. Feel free to stop by my website or give me a call today to set up a free consultation. Thank you for your time today and I look forward to hearing from you soon at Tucson Short Sales.

Do You Want To Do A Short Sale With Multiple Mortgages? We Can Help You!

March 19, 2012

Shawn Polston here with TucsonShortSale.com at Keller William’s Realty in Tucson. We’re Tucson’s top short sale team. Today I wanted to talk to you about short sales with two loans.

First of all I wanted to let you know that we are more than happy to take these files on. It’s not uncommon that I have a client that has two mortgages on their property. They may have talked to some other real estate agent that has told them they don’t handle those or they gave them the impression that the lender doesn’t allow short sales with more than one mortgage.

We get short sales with multiple mortgages done all the time. Whether the situation entails both mortgages with the same lender or the two mortgages are held by different lenders, we can get these completed for you.

We’ve also dealt with situations where there have been three mortgages on a property and were also successful with that situation. We have experience in dealing with many different types of situations: two mortgages and an HOA lien, two mortgages and a judgment or two mortgages and an IRS tax lien. We are very familiar with how to work out all of these options, who the parties are that we need to speak to in order to get these things resolved and how things work together.

I would love the opportunity to sit down and discuss your situation with you and really explain the options and expectations of going through the short sale process with multiple loans. I’m sure you have more questions, so please feel free to check out the other videos on my website, call me, email me or fill out the Short Sale Request form at the top of my webpage. I look forward to speaking with you about your financial situation and helping you determine if doing a short sale is in your best interest financially.

Is it Ever a Good Idea to Walk Away From Your Mortgage or Are There Other Options?

March 15, 2012

Hi there, I’m Shawn Polston with TucsonShortSales.com, one of Tucson’s top short sale teams. I wanted to talk to you today about walking away from your mortgage. It’s not uncommon that I run into clients that are under the impression that there is a decision that has to be made between completing a short sale or walking away from your mortgage. There is actually this perception out there that if you attempt a short sale, that you can’t walk away from a mortgage, and nothing could be further from the truth. In most cases your lender even when we go to your lender with a short sale, foreclosure is off in the distance. This is true if for any reason those payments not being made, which when someone is walking away from a mortgage they are most likely not making payments.

The lender is going to be running that process at the same time the short sale process is going. So, if you’re walking away, the idea that you’re attempting a short sale will somehow stop that process of walking away or cause you not to have that option, it’s just simply not the case.

It is incredibly rare that I run into a situation where somebody has decided to walk away, they come to me, and it’s very rare that they souldn’t atleast attempt a short sale. It’s better for the credit, you avoid having a foreclosure on your credit report and ultimately what I’ve run into is there’s a perception that the lender is going to force them to do something that walking away that they can avoid. This is simply not the case. If your lender comes back and doesn’t approve your short sale and make some request of you that is just something you’re not willing to do, we just tell them no. In most cases the lender will back off. In a lot of cases the lender doesn’t make requests. So it’s not even a conversation we need to have with them.

I just wanted to get it out there that it would be a very rare situation where there is anything hurt by attempting the short sale when you’re in that situation. I know you have other questions and within my website I have several other videos that might help you.

One of the best things I can do for you if you’re in this situation is meet with you and discuss your situation. Then you can decide from there if it’s something you want to persue. We pass no judgement, if someone decides they want to walk away from their home, we’ll respect that and understand that. Again, I’m Shawn Polston with TucsonShortSales.com, one of Tucson’s premiere short sale teams. If you decide to go with a short sale, we are the best in the business and we’re here to help you. I appreciate your time, thanks a lot.

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About Shawn Polston

Shawn has been a Realtor since 2006. Prior to becoming an agent Shawn and his wife were active real estate investors. Shawn takes his education seriously; he’s taken over 200 hours of continuing education classes, to keep up-to-date on current laws and trends. Shawn is a member of the Arizona Association of Realtors Master of Real Estate Society and a Graduate of the Realtor Institute. He is also a HAFA certified Short Sales and Foreclosure Specialist in addition to being a National Association of Realtors Short Sale and Foreclosure Resource.

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