Seller Info

Moving and need to sell your home? Let our military relocation team help you! 619-248-5484

Screen Shot 2014-07-01 at 11.54.43 AM


San Diego Foreclosure and Short Sales 


***Download Short Sale Package***


Considering a Short Sale?

If you’re a homeowner facing foreclosure there are options. It’s important to know, you are not alone. Over the last few years, thousands of homeowners in San Diego have experienced foreclosure and many more are struggling to stay in their homes.Whether it’s because of divorce, job loss, death, or mortgage interest rate adjustments many homeowners find themselves facing foreclosure. While loosing your home is a difficult situation, doing nothing can cost you more. When the bank takes back your property as a foreclosure there are serious consequences. A foreclosure can greatly impact your credit score for up to seven years.

Call 619-248-5484 or submit a free consultation request on line



Short Sale and Active Duty Military

Recent mortgage servicer guidelines for Freddie Mac and Fannie Mac loans offer relief for military homeowners who have Permanent Change of Station (PCS) orders and are upside down on their mortgages. Military homeowners can sell their home as a short sale without going into default. The PCS move is considered a hardship. More legislation to help relieve the burden of active duty men and women while relocating on orders is pending.If you’re a serving in the military and thinking of doing a short sale, give us a call at 619-248-5484 and our military short sale team will help you.

submit a free consultation request on line 


Have You been denied a loan modification?


It’s fairly common to not receive a loan modification from your lender. That doesn’t mean you should let your home go to foreclosure and get evicted.Call 619-248-5484 or

submit a free consultation request on line


Is a Short Sale right for you?

A viable option instead of foreclosure is a short sale. The term short sale simply means the homeowner gets their lender to take a lesser payment from the sale of the house than what is actually owed on the mortgage. Since one in four homeowners in America are currently upside down on their mortgage, short sales have become more popular. This can be a win win for all parties involved. The seller walks away with a much lesser impact on their credit, the buyer gets a deal, and the lender minimizes their financial loss of not taking back the house after foreclosure.

The time to act if you’re facing foreclosure is now; not tomorrow, the next day or the day after that. To see if you qualify for a shortsale, you must first give me a call to set up a FREE  private consultation. If you qualify, I will list your house for sale and submit offers to the bank for approval. My office will handle all negotiations with the bank including closing.

There is no cost to the homeowner for my service because the lender will pay my fees. The process currently takes about 3-6 months and we will do everything to accomplish a successful short sale. I believe that we have a short sale process that is unmatched in the industry. From our initial consultation with you through and after the closing, we have a process that delivers results and aims to eliminate potential problems. Just give me a call and let us help reduce the stress of loosing your home.

Call 619-248-5484 or

submit a free consultation request below



Home Affordable Foreclosure Alternative (HAFA)

This is a government program and if you choose to sell your home as a HAFA instead of a traditional sale the benefits are:* $3,000 for relocation assistance

* Foreclosure process is temporarily halted

* Deficiency is waived


HAFA was designed to help homeowners short sale their home as a way to settle their debt instead of foreclosure and receive funds for relocation.Call 619-248-5484 or submit a free consultation request on line


Who qualifies for HAFA?

According to the guidelines you may qualify for HAFA if:

* The property is your current principal residence OR the property has been rented or vacant for less than 12 months and you have not brought another property during that time.

* The amount you owe on the property is equal to or less than the following

$729,750 for 1 unit

$ 934,200 for 2 units

$1,129,250 for 3 units

$1,403,400 for 4 units

* The amount you owe is more than the property is worth (Call us to find out how much)

* Your current mortgage was taken out on or before January 1, 2009

* Your first mortgage is past due or you believe that you will miss a payment in the foreseeable future (loan can be current)

* You are experiencing a hardship such as a divorce, job loss, death in the family, interest rate hike, medical difficulties that are creating challenges so that you’re unable to afford your mortgage.

* The property is not condemed

* You have not been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laudering or tax evasion, in connection with a mortgage or real estate transaction.

Call 619-248-5484 or submit a free consultation request below

Will a HAFA short sale affect my credit?

Yes, a short sale in general will affect your credit but the impact should be less than a foreclosure

What to do if you want to learn more about a HAFA short sale?

Contact us by calling 619-248-5484 or complete the online contact form below

* *This information is not intended to be legal advice. If you are facing foreclosure, wish to complete a short sale, has questions regarding bankruptcy please consult the advice of an attorney****

Ten Reasons to Avoid Foreclosure


EL CAJON AREA SHORT SALESZipcode 92019, 92020, 92021  Search the most current available El Cajon short sale listings– this consist of homes for sale from the lowest to the highest price.

Right now, San Diego is experiencing a shortage of inventory of homes for sale and buyers are forced to compete. If you’re interested in viewing any of these properties or need to be preapproved our experienced team is available at 619-248-5484.


If you need to sell your home whether as a traditional/equity sale or short sale we offer a FREE no obligation consultation at 619-248-5484.

Feel free to sign up for our market insider report – The data on this page is consolidated from multiple sources and includes current listings, recent sales, local schools and more. Whether you’re a buyer or seller, the knowledge you gain will help put you in control of your real estate transaction Sale or Foreclosure? What to Consider Before Making the Decision

With distressed properties, including foreclosures (or REOs) and short sales, making up about half of all single-family home sales in California in January, according to the CALIFORNIA ASSOCIATION OF REALTORS®, many underwater sellers will face the tough decision between a foreclosure or a short sale.

Some of the most important factors to consider before making the decision include deficiency judgments, tax implications, credit consequences and timing. 


Deficiency Judgements and Tax Implications

The good news is that California offers some protections for consumers against deficiency judgments after short sales and foreclosures. A homeowner is generally protected against a deficiency judgment after short sale for a one-to-four residential unit property. The instances in which a homeowner is generally protected against a deficiency judgment following foreclosure include, among other things, a non-judicial foreclosure or a loan that is all of the following: 1) owner-occupied, 2) secured by a one-to-four unit dwelling and 3) purchase money. Homeowners are also protected against deficiency judgments after foreclosure of seller financing.


For more information contact our experienced team at 619-248-5484.