Someone to Listen
A real conversation about what happened and what you want, before anything else.
The numbers first. The person always.
You did nothing wrong. And you may have more options than you think.
Job loss. Medical bills. A divorce. A payment that kept climbing. A house worth less than you owe. Life happened and the loan stopped fitting. We listen first, then show your lender the numbers on why a short payoff may make sense for everyone.
Private. Confidential. No judgment. Serving homeowners in CA, AZ and NM.
800+
short sales completed
3 States
CA, AZ, NM
11 Steps
every time
First, where do you fit?
Two starting points, one steady team. Pick the one that's you.
This isn’t a character flaw. It’s math that stopped working.
Most of the people we talk to did everything right. They paid on time for years. They cut spending, used their savings, borrowed from family, and kept the payments going. Then prices fell, or the income stopped, or a health crisis hit, or a marriage ended, or the loan terms changed. None of that is a moral failing. Shame keeps people quiet, and staying quiet gets expensive. You can talk to us without being judged.
You’re in the right place if…
- The payments no longer fit your life.
- You owe more than the house is worth.
- You're using savings just to keep up.
- You're getting letters or calls you're afraid to open.
Not sure? That's what the first conversation is for.
They’ll take your money until you run out. Then they’ll take your house.
The bank has a choice. Most people never hear that.
As long as you keep paying, the lender keeps collecting: your savings, your retirement account, money borrowed from people who love you. When there’s nothing left to take, the loan goes to foreclosure, the bank takes the house, and then it sells that house at a discount anyway. Banks write off bad loans as a routine cost of doing business. Homeowners are told to feel ashamed. That double standard is real, and it is not yours to carry.
The bank is not your enemy and it is not your friend. It is a business deciding which loss is smaller. Our job is to make the short payoff the easy choice.
If the bank forecloses
- Takes the property back (REO).
- Carries the costs and the risk.
- Sells it later, often at a loss.
If the bank approves a short sale
- Takes a payoff now.
- Avoids the carrying costs.
- The house sells to a real buyer.
Every file is different. The bank decides, and we show them the numbers.
Homeowner
Relief and a fresh start.
The bank
Choosing the smaller loss.
Short Sale Group
Listens, runs the numbers, negotiates, and keeps the file on track.
I’ve done more than 800 short sales. Every one started with someone afraid they’d failed. They hadn’t. I listen first, because the person comes before the paperwork. Then we build the numbers and make the case to the bank. If you’re not sure whether this is possible, call me before you pour more money into a loan that isn’t working.
Richard
800+ short sales · Short Sale Group
You don’t have to figure this out alone.
One disciplined process behind every file — and a real person on the other end of the phone. We hold the whole thing so you don’t have to.
- We listen to your whole story first.
- We do the paperwork and the phone calls with the bank.
- We build the numbers the bank needs to say yes.
- We stay with you until it closes.
Someone to Negotiate
We deal with the lender, servicer or note holder so you don't have to.
A Plan You Can Understand
The numbers in plain English, and an honest answer on whether this fits.
Someone Until the End
From first call to closing, with a clear next step at every stage.
How it works
Five steps, in plain English. We do the heavy lifting; you stay informed.
- 1
We talk
You tell us what happened. We listen, write down the facts, and tell you honestly whether this looks workable.
- 2
We agree on the plan
Everything in writing: who we are, what we do, and what we can't promise.
- 3
We build the case
We gather the documents and prepare the numbers the bank needs to see.
- 4
We negotiate
We deal with the lender, servicer or note holder and work toward written terms.
- 5
You move on
We keep the sale on track through closing so you can walk away with a clear record and a fresh start.
Every file is different. A foreclosure date can make us move faster. It never makes us skip a step.
Before you drain your 401(k), your savings, or money borrowed from family, talk to us first. Don’t put one more dollar into a loan whose numbers don’t work until you’ve seen the options.
FOR REAL ESTATE AGENTS
Got an underwater seller? Bring us the file.
You already have the relationship. We bring 800+ short sales of experience, a complete package for the bank, and the negotiation, so you can focus on your seller and your buyer.
When to refer
- Your seller owes more than the home is worth.
- Your seller is behind on payments.
- A sale date is set or may be coming.
- The lender is slow, unresponsive, or keeps asking for the same paperwork.
- You need the file done right and don't have the time.
How a referral works
- 1Send us the basics: property address, the seller's contact, any known deadlines.
- 2We do a fast screen and call the seller. We listen first.
- 3We build and negotiate the file and keep you updated through closing.
A referral is not a guarantee of approval. The lender decides.
Videos
Short, plain-English answers, for homeowners and agents.
Video
Is a short sale really possible, and when should I call?
What a short sale is, when it may help, and the first talk.
Watch video
Video
What the bank's math looks like
How a lender may weigh a short payoff next to taking the home back.
Watch video
Video
What an approval letter does and does not mean
What an approval may cover, what it may not, and what to check.
Watch videoQuestions, answered straight.
Plain answers. No promises.
Tell us what's going on. We'll listen.
No scripts and no judgment. A real person will reach out to talk it through. This is a private conversation, not a long application.