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Short Sale Agents Dedicated to Serving You

Listed below are Real Estate Agents serving Ohio. These Agents Represent many of the Major Real Estate Companies of the World. Our Agents are Full Time Professionals, dedicated to ensuring Your Best Interests are Represented every step of the way!

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Big Hill GMAC - Maria Rogers

Contact:
Maria Rogers

Title: Realtor
License Type: Real Estate Salesperson
Years in Business:5

Company Address:
Big Hill GMAC
4492 Marie Dr
Middletown, OH 45044
US

Cities / Areas Served:
Greater Cincinnati and Dayton areas including Butler, Warren, Montgomery, Preble, Clermont and Hamilton counties and beyond.

Professional/Personal Distinctions:
e-Pro certified, BA from Miami University, Middletown Board of Realtors member. Trained under national short sale and foreclosure experts

Specialties:
short sales, REO and foreclosed homes, Broker Price Opinions and internet marketing

Website:
www.mariarogers.com

Bio:
I have been a full time Realtor for more than five years and specialized in short sales from my first day in the business. I chose to focus on short sales before other agents in my area because I saw an opportunity to help people get a fresh start. My clients often have experienced job loss, divorce, illness, etc and need someone who cares for them to be an advocate for their needs as a homeowner and a listening ear. Many of my clients have been able to repair their credit and buy again after I negotiated a short sale for them. Take action now to be my next success story!

Avoid Foreclosure. Get FREE Short Sale Help!

What is a Short Sale?

In real estate, a short sale is when a bank or mortgage lender agrees to discount a balance due to an economic hardship on the part of the mortgagor. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender in full satisfaction of the debt. In such instances, the lender would have the right to approve or disapprove of a proposed sale. Extenuating circumstances influence whether or not banks will discount a loan balance. These circumstances are usually related to the current real estate market climate and the individual borrower's financial situation.

A short sale typically is executed to prevent a home foreclosure. Often a bank will choose to allow a short sale if they believe that it will result in a smaller financial loss than foreclosing. For the home owner, the advantages include avoidance of having a foreclosure on their credit history. Additionally, a short sale is typically faster and less expensive than a foreclosure. In short, a short sale is nothing more than negotiating with lien holders a payoff for less than what they are owed, or rather a sale of a debt, generally on a piece of real estate, short of the full debt amount.

Lenders have a department (typically called a loss mitigation department) which processes potential short sale transactions. Typically, lenders do not accept short sale offers or requests for short sales until a Notice of Default has been issued or recorded with the locality where the property is located. Lenders have to approve of any buyer's or listing agent's commission in advance, a primary reason for non-brokered short sales with a specialist or facilitator to save on the margin. Many of these facilitators work with a private lending party for their financing, such as a partner or syndicate. Lenders have a varying tolerance for short sales and mitigated losses.

Frequent objectors to short sales include tax lieners (income, estate or corporate franchise tax - as opposed to real property taxes, which have priority even unrecorded) and mechanic's lien holders. It is possible for junior lien holders to prevent the short sale. While it is frequent if not common for a lender to forgive the balance of the loan in question, it is unlikely that a lien holder that is not a mortgagee will forgive any of their balance. Further, it is common for a lender to omit updating the zero balance and settlement option on the mortgagor's credit report, or even flat refuse to do so "due to their financial loss."

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