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Sacramento Short Sale Specialists

Request a Free Short Sale Information Kit

Carpenter Properties is the short sale specialist for preventing foreclosure in Sacramento. A short sale is the best way to stop foreclosure if you have received a notice of default. We negotiate with your mortgage company to arrange a short-sale, and save your credit from the impact of foreclosure.

Our short sale fees are paid by your bank. There is no cost to you.

A "Short-Sale" occurs when a property is sold and the cash from the sale is not sufficient to pay your lender the entire amount due under the mortgage. Because of declining prices, short sales in Sacramento are becoming very common for homeowners who purchased between 2004-2008.

To complete a short sale, the homeowner must obtain approval from the lender.  It is in the homeowner's interest to have a real estate broker who knows what mortgage banks need in a short-sale offer.

Banks find short sales superior to foreclosure

A Homeowner/borrower with a mortgage can protect their credit score by selling their home, even if the bank will not be fully paid. Short sales allow you to avoid foreclosure and the damage that is done to your credit rating, insurance costs, credit card interest rates, and your ability to rent a home.

When a short-sale is in process most lenders will stop all foreclosure proceedings until the short sale possibilities are exhausted. For this reason, short sales are the best way to avoid foreclosure if all other remedies have been explored.

You can negotiate a short-sale before or after a mortgage default or notice of default.

Carpenter Properties will help you avoid a trustee sale of your home. We will apply our years of short-sale experience to sell your property with very little interruption to your daily life.

Request a Free Short Sale Information Kit

Carpenter Properties is your independent real estate counselor. We do not make loans or represent lenders or banks. We serve only homeowners.

Unsurpassed short-sale Expertise

Carpenter Properties has developed specialized short-sale marketing programs that leverage the unique circumstances of a short-sale listing. These techniques minimize disruption to homeowners during the selling process. Without these special short sale programs, homeowners may have showing appointments for months rather than days. Our shorter time-on-market results in less disruption and more privacy, but does not significantly effect the time you can live in your home. You may actually stay in your home longer because a short-sale stops the foreclosure process from continuing in most cases.

Deficiency Judgment

Mortgage lenders can attempt to win deficiency judgments against borrowers who want a short-sale. This is a complex issue, but it can result in a line item on your credit report showing an unpaid debt. We negotiate with the lender to remove their right to claim a deficiency judgment, and also to have the short-sale mortgage reported as "paid-in-full" to credit reporting agencies.

or, Pick Up the Phone

Call us today for a free review of your mortgage situation and a short overview of our consulting services. We will give you mortgage advice during the call. There is no charge for our services until we complete an agreement in your home.

Call (916) 226-9039
between 8am-6pm to speak to an advisor.