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Welcome to Short Sale Shift. We are Minneapolis/St. Paul’s leading short sale realtors. It is our purpose to bring you factual details on the topic of Minneapolis/St. Paul short sales. If you have any questions on the subject of short sales, please take a glimpse at our videos or feel free to email us or give us a call.
We’ve been doing these videos for roughly half a year. So, we wanted to go to the critical questions again. A lot of people call us and ask if they qualify for a short sale. They speak about how their section has lost lots of value or how the homes on all sides of them are being foreclosed on. We have discovered that nearly all people can find a way to meet the criteria. The most significant thing to demonstrate to the bank is that you have a high debit to income ratio.
When all’s said and done, you simply need to show the bank that you have more cash going out than you do coming in. Now and then people have a tough time figuring out how much money they actually spend. It is uncomplicated to add up the cable bill and the mortgage and the electric bill, but frequently they forget about the hundreds of dollars that are lost. Lots of times we see people underestimate their expenses, for instance, spending $30 per month on gas. We own a document that we can forward you to figure this out.
Also, keep in mind that once you have missed a payment, the lender has the hardship. The lender doesn’t want to own your Minneapolis/St. Paul home. If they can work with a good quality short sale realtor, they will always take the short sale over foreclosure since it saves them money. If you have a house in or around Minneapolis/St. Paul, give us a call. We can help you find out if you meet the criteria or solve any questions you might have on the subject of a Minneapolis/St. Paul short sale.
Get more help from short sale Realtors, Josh and Sarah, at Short Sale Shift presented by the Short Sale Specialists of Minnesota