Success Story

"Ryan and Dan were extremely helpful and knowledgeable when it came to Short Selling our home. As much as we were saddened to have to sell our house Dan and Ryan were professional, knowledgeable, and compassionate throughout the whole process. They marketed our home aggressively and got the whole process done in under 75 days! I would recommend them to anyone!"

-Jessica L.

Considering a Short Sale?

In today's turbulent marketplace with deflated home values, high unemployment and uncertain future, many people find themselves in difficult positions. One of those causing many people stress is being in a home that isn't worth what is owed on it and you are struggling to make payments.

A Short Sale May help to solve many problems including:

• I can no longer afford our current mortgage due to loss of income / increase in other costs
• Mortgage payment has adjusted to an unaffordable rate
• My home no longer suits our needs due to growth in family etc.
• Need to move for work
• Divorce
• Etc

For many people, foreclosure is the easiest and least (work) to get out of a home you can no longer afford. Some people call it "strategic default" which there really is no such thing. We are here to tell you that it is in your best interest that foreclosure should only be the last alternative after you have exhausted all other options (loan modification, deed-in-lieu, bankruptcy). Foreclosure is the number one worst thing that can happen to your credit, worse than late payments, collections, and even bankruptcy. While the effect on your credit score will repair itself over time, the "marker" of a foreclosure on your record will always be there and you will always have to declare that you went through foreclosure on future applications.

If you have a 2nd loan on your home, that's even more of a reason to disuses how a short sale can benefit you. Through negotiations on a short sale, junior liens may be negotiated that would require you to pay less money or no money at all, than you would otherwise maybe face paying through a foreclosure. Arizona is an "anti deficiency" state on only 1st loans on primary residences.

Foreclosure can not only affect your ability to buy a home again but also:

• Credit Cards
• Car loans
• Business Loans
• Student Loans
• Rental Applications
• Security Clearances
• Current Employment
• Deficiency Judgments on second liens
• Etc…

There are three main professionals that you need to consult with when considering a Short Sale. By consulting with the below references you will know all of your rights and can organize a plan to meet your needs.

• Real Estate Professional - Qualified and has short selling experience
• CPA
• Real Estate Attorney

If you find yourself in this situation, please understand that you are not alone and you have options! There is light at the end of the tunnel and Raintree Properties is here to help. Please take the time to look through the available PDF documents on our website, and feel free to give us a call!

Also, please click the following link to receive a copy of the Short Sale Seller Advisory published by the Arizona Association of Realtors. This document has live links and valuable information available for anyone considering a Short Sale.

IMPORTANT NOTICE: Raintree Properties is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit rating.