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The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with bad credit, then hire someone else! If you want a relatively STRESS FREE transaction, Call, email, Txt or visit my website 7 days a week!
REAL ESTATE & MORTGAGE SOLUTIONS WITHOUT THE "BULL".
Find a great bargain at www.SKIPtheBULL.com/FreeHomeSearch
Apply for a loan in Florida www.SKIPtheBULL.com/MortgageApplication
WHAT IS A SHORT SALE?
A “Short Sale” occurs when a Lender agrees to accept less than the amount owed to pay
off a loan as an alternative to foreclosure, if the property is worth less than the amount
owed on the loan. Often a Lender can be convinced that they will do better or as well if
they take less than what is owed NOW rather than taking the property back by
foreclosure and trying to sell it later.
HOW LONG WILL IT TAKE?
The Short Sale negotiation process is a lengthy one. It may take weeks to get an
approval. Lenders have several layers of bureaucracy, insurers, and investors that I will have to maneuver through in order to get a Short Sale approved, so it is important to be
patient during the process.
INSPECTION:
No Seller’s Real Property Disclosure available. Buyer may inspect the property
as Buyer desires, however the utilities may not be on. The Seller has vacated the
property and has given up all hope of returning. It will be up to the Buyers to
Congratulations! You have taken the 1st step in working toward a solution to a stressful issue for you and your family. In order to process your planned short sale transaction, please ensure you have provided us the following documents:
DOCUMENT CHECKLIST
REQUIRED DOCUMENTS
______ Client Info sheet
______ Authorization to Release Information
______ Hardship Letter – written by owner
______ Bank Statements (last 3 months)
______ Correspondence from your lender (if applicable)
______ Legal or court paper (if applicable)
ADDITIONAL DOCUMENTS
______ Purchase contract (if available)
______ Listing agreement (if available)
______ Pay stubs (if available)
______ Tax Returns – last 2 years (if available)
______ Federal tax liens (if applicable)
Great Experience!!
"Richard was everything that I wanted in a realtor!! He listened to what I wanted and delivered. I flew in from Ohio for a weekend in order to buy a house. We went out and in one day had the offer accepted on a wonderful house. He continued to help me throughout the closing process and even set me up with a great insurance agent. I would definitely recommend Richard to anyone that is looking to buy or sell a home with out dealing with all the BULL!! Thank you so much RIchard!!"
Dr. Marian Miller
A Long Enjoyable Relatioship
"Over the year that it took to sell our house in Knoxville and buy a house in Winter Springs I had the opportunity to spend a lot of time with Richard Shuman. From the beginning he understood what we wanted to buy. He took us to a good selection of homes in Winter Springs and we managed to refine what and where we were hoping to buy. When our house in Knoxville finally sold Richard moved into high gear with us to find an excellent house and help us negotiate a good deal. He handled all the transactions, including our mortgage, with a high degree of professional competence and efficiency. Our closing went smoothly and effortlessly and we moved in just 7 days after closing on the sale of our Knoxville house. Perfect timing! My wife and I recommend Richard, especially to "experiened" buyers, because of his ability to quickly learn what the buyers are looking to purchase and then his laser sharp focus on helping them find it."
Dave Wilburn
