Mortgage assistance Indianapolis. We can help you short sale even if you are behind on payments

A short sale, which is also known as a pre-foreclosure sale, is when a homeowner decides to sell their home for less than is owed on the mortgage. In order for this to happen, the mortgage company has to agree with the terms. In this day and age, when the financial crisis in the country is at an all-time high, finding mortgage assistance ¬†Indianapolis can be a confusing process, but it doesn’t have to be.

The first step is to find a licensed real estate broker that specializes in short sales. If you are behind on your mortgage payments, and the bank is threatening foreclosure, a short sale may be your best option. There is no cost to you because the bank responsible for your mortgage will be paying the fees for the real estate broker to short sale your home. If you allow your home to be put into foreclosure status, it will negatively affect your credit score, which will in turn keep you from being able to purchase another home for at least 7 years. In addition, the foreclosure will still appear on your credit report affecting any other financed purchases you may make.

By deciding to do a short sale, your privacy and dignity will remain intact, and no one has to know that you are involved other than your real estate broker and the bank. There are no tax consequences, and you can short sell your home even if you are behind on your payments! Just realize that in order to sell your home with a short sale effectively, you need to find a real estate broker that has the expertise to do a short sale, which most real estate agents do not have. By short selling your home, you find the mortgage assistance Indianapolis that you have been looking for, the bank forgives the difference in debt, and you can walk away with pride.

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