Is a short sale right for you?

Did you know that foreclosure is not your only option? In many cases a short sale, agreeing to sell your home for less than what is owed, is a better alternative. But there is a lot to consider before you decide. We can help guide you through the maze of questions and recommend steps that will help you avoid foreclosure and in many cases, help you stay in your home longer during the short sale process.

Getting the most out of your short sale.

Although it may seem hopeless now, a short sale, if managed expertly, can help you move on to a new chapter of your life without having to foreclose. And because the bank is responsible for the compensation of listing services, it generally costs you nothing to list your home.

The advantages of working with Toma Partners on your short sale.

• EXPERT NEGOTIATION – Unlike some foreclosures, we negotiate short sales as final settlements so the bank can no longer come after you.
• COMPLIMENTARY HOME STAGING – Our in-house designer provides lighting, furniture arrangement and decorating that shows your home at its best.
• AGGRESSIVE ADVERTISING – Professional photography, custom designed marketing materials and key placement in publications and popular sites, generate interest from potential buyers.

Once the short sale is completed, we will help you find a new home. But most important, we can help you through a complicated process, reduce your potential for loss and move on to a better future.

Questions we can help you answer: Is a short sale a good option for me? What does the process entail? How long does a short sale normally take? How long will it take my home’s value to recover? Will it be difficult to find a new home? Is a loan modification a good idea? Are my chances of getting a loan modification realistic?

Know your options: Over 51% of all Arizona homeowners are currently upside-down on their home, making it unlikely that home values will recover soon. Unfortunately, this means that most homes are worth significantly less than what they were purchased for, and it will take a while for that to change.

Many homeowners have turned to expensive loan modification companies as a possible solution, but 95% are denied and fraud is rampant. Some hire expensive attorneys to negotiate on their behalf and the outcome is not guaranteed to be successful. 70% of homeowners who have already been through a foreclosure did not know that they had the option of a short sale.

Learn if a short sale settlement with your lender can get your financial life back on track. Start now.

Need more information about the short sales? Find it here.

*According to HomeGain’s 2007 national survey