What Happens AFTER a Roseville Short Sale?
What Happens AFTER a Roseville Short Sale? 
I often get asked, “What happens to my credit after a short sale?” I got a message this morning from a past Roseville short sale client. Here’s her take:
Hey Allan! I just wanted to send you a message and let you know that after the whole house ordeal, with the house in Roseville, less than 2 years later our credit it perfect. When we were at the car dealership on Friday buying our car we asked to see our credit report. All of the delinquent payments from the Roseville house were reported “settled” instead of “delinquent” and our credit scores were in the high 600′s and low 700′s. Anyway, I thought you should know since others may be in the same boat we were, wondering about their credit!
A short sale can be a scary thing, but it is used as a tool to make you more financially stable in the near future. Short sales have helped a lot of my clients get a clean slate!
Find out more about Roseville short sales.
What Happens AFTER a Roseville Short Sale?
How Much Do Short Sales Cost – Roseville Short Sale Agent
How Much Do Short Sales Cost – Roseville Short Sale Agent 
If someone offers to short sale your Roseville home for an upfront fee, don’t WALK…RUN away! Short sales shouldn’t cost you any money. In fact, in many cases, your lender will actually pay YOU to short sale your home ($3,000 is typical but I’ve personally had a client get $25,000 after a short sale). Roseville short sales are truly a way to rid yourself of debt and a draining asset without making your financial situation worse.
You’re probably wondering how Roseville Short Sale Agents get paid. Your short sale agent will sign a regular listing agreement with you which lists the agreed upon commission. The commission gets negotiated with the bank, as well as all the other traditional sales fees like escrow, title, HOA, etc. The bank will approve any and all fees within the short sale approval and those fees, including short sale agent’s commissions, are paid out of the buyer’s proceeds at the close of escrow. No money ever comes out of pocket!
If you are considering selling your Roseville home as a short sale, make sure you work with an experienced short sale agent. All real estate agents are not qualified to sell short sales as they are a special area of expertise. Short sale agents should be able to negotiate with the bank on your behalf, provide weekly updates, and navigate around the short sale hurdles that often arise. Using a qualified Roseville short sale agent is your best chance for short sale success.
See if you qualify to sell your home as a short sale.
Read more about short sales – What is a Hardship and How to Write a Hardship Letter.
How Much Do Short Sales Cost – Roseville Short Sale Agent
Seller Cooperation is KEY For Roseville Short Sales
Seller Cooperation is KEY For Roseville Short Sales 
As a Roseville short sale agent for years, I know that banks will drive you crazy with requests: They’ll need a BPO, a financial breakdown, updated pay-stubs, hardship letters, and sometimes letters of explanation. For most real estate agents it’s enough to drive them bonkers and go back to selling only traditional, equity sales!
Experienced short sale agents understand how to keep the bank’s requests organized and how best to prepare short sale sellers. Roseville short sale sellers must be prepared to provide the bank (in a timely manner) with the paperwork necessary to get their short sale approved. I’d be lying if I said it didn’t take a bit of effort on behalf of the short sale seller, but without seller cooperation, a short sale isn’t going to happen!
If you are too busy to spend a couple hours gathering paperwork or updated your short sale agent, then a short sale may not be right for you! Most people however, are willing to put up with a little inconvenience to avoid foreclosure. Choose a Roseville short sale specialist to help navigate the way to your short sale approval, assist you with the banks requests, and relieve some of the financial pressure you are under.
Short sales come with endless questions. Don’t be afraid to ask. I’m here to help! See if you qualify to sell your Roseville home as a short sale.
Seller Cooperation is KEY For Roseville Short Sales
Crocker Ranch Real Estate Agent – Sold in Roseville
Crocker Ranch Real Estate Agent – Sold in Roseville 
Here is my lastest home sold in Crocker Ranch, Roseville. 1817 San Esteban Circle is a fabulous home with 5 bedrooms, 3 baths, lots of upgrades, and close to 2,800 square feet…all for $365,900! With Crocker Ranch’s gated entry, close proximity to good schools and Roseville’s premiere shopping, along with a great neighborhood park, Crocker Ranch is one of Roseville’s best neighborhoods!
Amazingly, this Crocker Ranch home was NOT a short sale! As a Crocker Ranch real estate agent specializing in short sales, about 70% of my homes are short sales. As wonderful as Crocker Ranch is, most of the neighborhood was built at the peak of the real estate market. Unfortunately that means that many of the homes are underwater. Short sales allow underwater home owners to sell their home for less than their loan but more importantly, it allows them a fresh start with repaired credit in much less time than a foreclosure.
If you are thinking about selling your Crocker Ranch home as a short sale, it’s important to pick an experienced short sale agent. There is a lot that goes into convincing the bank to approve a short sale. They will sometimes decline the first attempt to short sale. You must have a real estate agent on your team to talk to the bank on your behalf, prepare a complete short sale package, and negotiate the best short sale possible. See if you qualify to sell your Crocker Ranch home as a short sale.
Crocker Ranch Real Estate Agent – Sold in Roseville
Short Sale Granite Bay – 7575 Auburn Folsom Rd.
Short Sale Granite Bay – 7575 Auburn Folsom Rd. 
My newest Granite Bay short sale is quite an opportunity! 7575 Auburn Folsom Rd. has 2,856 square feet, 5 bedrooms, 3 baths, .79 acres, built-in pool, and lots of recent updating. It’s a great home for entertaining with an outdoor fireplace and kitchen, views of the lake, lots of mature trees, and privacy! Inside features Brazilian cherry wood floors, 2 fireplaces, updated fixtures, and a lovely kitchen which includes granite counter tops, stainless appliances, and a built-in refrigerator. This Granite Bay short sale just needs your personal touches and some landscaping to make it SHINE! Priced at $400,000.
Granite Bay short sales are not like traditional sales. In a short sale, the bank is involved. Dealing with the bank takes an experienced short sale agent who understands the bank’s strict short sale time-lines, the paperwork required, and how to negotiate on behalf of the seller. Granite Bay short sales can be successful, alleviate the seller from their mortgage payments, and prevent foreclosure. If you must sell and you owe more than your home is worth, a short sale is a good option. See if you qualify to sell your Granite Bay home as a short sale.
Short Sale Granite Bay – 7575 Auburn Folsom Rd.