Is Your Home Worth Less Than You Owe On It?

Trouble Making Payments?

VA Loan? Military? PCS Soon?

Welcome to Okaloosa Short Sales. We are local real estate agents that help individuals that are heading into default on their current property loans or may already be in foreclosure. We service all of Okaloosa County, Southern Santa Rosa County and Southern Walton County. Please feel free to browse our site and gather information that may allow you to make an informed decision regarding your particular situation. If at anytime you have further questions about Short Sales or Foreclosure and need additional information about our services, please email or call us anytime and we will be glad to assist.

We understand that defaulting on your mortgage is a difficult situation. In the current market many people see themselves heading into default or may already be in foreclosure. There are options prior to foreclosure and one option is a Short Sale. Short Sales are an alternative to foreclosure and we do offer information and services to assist you.

Negotiating a Short Sale is not a simple "Do it Yourself", quick process. It takes an organized, experienced team of professionals that understands the Short Sale process. That is why it is critical to work with a team that has experience to complete and close the sale.

Do I Qualify For A Short Sale?

• Do you owe more on the property than what you could sell it for?
• Are you having difficulty paying all the bills each month?
• Unforseeable hardship, divorce, loss of employment, relocation, sickness?

Trouble Making The Payments?

• Is the stress increasing with each phone call, letter and missed payment from your lender?
• Are you borrowing money to pay your bills and mortgage?
• Don't know what way to turn?

Do You Have A VA Loan? Are You Military? Are You PCS Soon?

• Is your loan VA backed?
• Are you Active Duty?
• PCS soon?

So What Are The Benefits Of A Short Sale?

• Your home is sold and the mortgage is paid in full. The lender accepts a discounted amount
• The lender pays most of the sales costs involved, includung title costs and our fee's. You pay no out of pocket costs
• A foreclosure doesn't show on your credit report

OK, How Do I Start A Short Sale?

• Together we gather the financial information to support your financial hardship, we prepare the necessary forms and contact the lender to begin the Short Sale process
• We list your home for sale, and begin marketing it, pricing it to attract purchase offers, our goal is to receive an offer within 60 days
• We submit the offer on your property to the lender as a complete package to begin the negotiations on your Short Sale. We coordinate with the Title Company, inspectors, and lenders