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Hi, We are Josh Pomerleau and Sarah Willman, Minneapolis/St. Paul’s top short sale team. We are doing well today and we wanted to communicate some information with you at the moment on the topic of deficiencies.
We observe lots of agents struggle with deficiency waivers. It is extremely hard to negotiate that deficiency waiver. Nonetheless, with the short sales that we are completing in Minneapolis/St. Paul we are getting very good at making sure there is no deficiency. In the state of Minnesota you have six months before the sheriff sale is announced and an extra six months before the sheriff sale is supposed to occur. So, with your Minneapolis/St. Paul short sale, you essentially have twelve months before you have to leave your Minneapolis/St. Paul property.
Essentially, if you have a first lien on your Minneapolis/St. Paul home the deficiency is being waved 90% of the time. If there has been fraud or they recognize you have money they may try to file a deficiency against you. Yet, we frequently send our patrons to attorneys so that they can be sure of what they are getting into. We understand how the procedure works. HOwever, we can not give legal counsel.
When we negotiate your Minneapolis/St. Paul short sale we combat very hard to ensure that you do not have any deficiency. A lot of realtors have trouble dealing with the second lien and getting no deficiency on that. Nonetheless, that is a lengthy discussion. So, we will approach that topic in tomorrow’s video.
If you have more questions on the subject of your Minneapolis/St. Paul short sale, please feel free to get in touch with us. You can get in touch with us through the chat function on our website or give us a phone call or send us an email. We look forward to helping you solve your Minneapolis/St. Paul short sale questions.
Get more help from short sale Realtors, Josh and Sarah, at Short Sale Shift presented by the Short Sale Specialists of Minnesota