When a property is sold at less than the amount that is owed on it, it is a short sale. The lender may be willing to accept this loss on a home that they are lending money on because it saves them the expense of foreclosing on the property. The seller of the property, however, walks away with nothing, and they must understand the implications of this before pursuing a short sale. This link  :HeroSOLD.com Short Sale Services

Obtain the help of a real estate agent who is experienced in short sales and can communicate effectively with the lender. Find an agent who is familiar with local market trends and can help you price the property to attract buyers. The lender will also want to see that the property is priced fairly based on current comparable sales.

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Provide the lender with a thorough, compelling hardship letter. This letter should detail all of the debts that are owed on the property, such as unpaid homeowners’ association fees, property taxes, and unsecured loans (e.g., credit cards). This is an important step and the lender is looking for a strong case as to why the property should be considered a short sale. Be as candid and frank as possible and include corroborating material.

Negotiate with the lender to determine a fair payoff amount for the borrower. This is a crucial stage of the process and it can be very time-consuming. The lender will only agree to a short sale if they believe that they are going to get better value on the property than what they would receive in foreclosure.

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