A Foreclosure is a home or property that has been taken back by the Bank/Lender due to non-payment from the Owner.
Some foreclosures are in good shape and can be easily financed but some have many issues and will not qualify for any type of Mortgage. (CASH Only) We will help to determine which type you are looking at.
Bank owned homes normally are great deals for Buyers but they are not as many available as they were during the 2010 -2014 foreclosure dilemma. Just because its a foreclosure does NOT mean that it will be a "good deal" the prices will reflect what the market value will be.
Search foreclosed homes here but don't limit yourself to ONLY foreclosures as you will miss out.
This is a question we heard a lot during 2010-2014... not so much now but there are still specific cases.
A Short Sale is where you are asking the Bank/Lender to accept LESS than what is actually owed on the Mortgage. The reason being - that you are upside down and the house value is just not there for you to be able to sell for what you still owe. There has to be SPECIFIC HARDSHIPS that will allow you to qualify for the Short Sale. Each is a Case-by-Case because each Homeowner and house is different.
Just wanting to move does NOT qualify you for a short sale.
A few Hardships that MAY allow you to qualify for a Short Sale include:
There are some drawbacks to a short sale, so you should talk with your accountant or attorney to fully understand all repercussions. It is a lot easier to recover from a short sale on your credit than it is a foreclosure but knowing all the details will help you to decide the best path for yourself.
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SOLD AS IS WITH NO DISCLOSURE
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