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Contact Michelle Almeida - (508) 880-0900 x20, serving Massachusetts and Rhode Island
What Is A Short Sale? 

Foreclosure on a home has consequences for the family, the community, the housing market, and the economy. However, the option for a short sale provides a way for troubled homeowners to prevent foreclosure and many of the dire penalties involved.

A short sale is an agreement in which your mortgage lender agrees to accept a payoff on the loan for less than the balance. Many lenders agree to a short sale because they receive more of the loan balance in comparison to the amount they would gain from selling the property following a foreclosure. This process also aids in maintaining home values in the community the property is located and helps the homeowner maintain a better level of credit compared to a foreclosure. In most instances, homeowners considering a short sale must meet specific criteria to qualify: You don’t necessarily have to be behind on your payments. However, you do have to provide evidence of hardship and have little or no equity in the property.

A short sale is not a typical real estate transaction. Most real estate transactions involve the home seller and their real estate agent, the buyer and their lender, and their real estate agent. In a short sale situation, all of those parties in addition to the seller's loan servicer, a housing counselor, any junior lien holders, mortgage investors, and insurers may be involved too.

With so many parties involved in a short sale, the process can be difficult to complete without Michelle Almeida to help guide you. Michelle is a Certified Default Resolution Specialist and acts as a liaison between all of the parties involved. You will want Michelle's advice and expertise. She has your best interests in mind and can expedite the short sale transaction. Michelle won't allow you to miss a detail that could delay closing the transaction in a timely manner and to the specifics required by all parties involved. Michelle's qualifications and experience in short sales will also assist in finding a buyer to complete the transaction. Homeowners agreeing to a short sale should also consult a tax expert and obtain the services of an attorney to help protect themselves from any future claims by the lender.
The Short Sale 

A homeowner is "short" when he owes more on the property than its current market value

A short sale occurs when the homeowner's mortgage negotiates to accept less than the full balance of the loan at closing. A buyer closes on the property and the property is "sold short."

See if you qualify.

Can't Any Agent 

Handle a Short Sale?

Any real estate agent can list a property for sale. However, most are not educated or certified in the short sale / alternatives to foreclosure process. I am. 
-Michelle Almeida

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Avoid Foreclosure: Help for Homeowners can help at no cost to you. Short sale help in Massachusetts and Rhode Island

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Michelle Almeida, Certified Default Resolution Specialist
Help for Homeowners

174 Dean St. Suite A, Taunton, MA 02780 · direct (508) 880-0900 x20
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Disclaimer: The information provided on this website should not be constituted as legal advice. The content is intended to provide general information about the short sale and foreclosure processes, and should not be acted upon without the counsel of a qualified REALTOR®, attorney, and tax expert.

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1. You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender [or servicer]. If you reject the offer, you do not have to pay us. If you accept the offer, you will have to pay us 6% (subject to bank approval) for our services.
2. MICHELLE ALMEIDA of Help for Homeowners is not associated with the government, and our service is not approved by the government or your lender; and
3. Even if you accept this offer and use our service, your lender may not agree to change your loan.


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