Replies to This Discussion

Permalink Reply by Jeff Payne on December 9, 2010 at 7:47am

Whoa, you are making alot of accusations and could be jumping to conclusions. First things first, is the seller required to fill out the sellers disclosures? Has the seller ever lived in the property and does the seller have the first hand knowledge of the issues with the property? I ask this because I have sold MANY properties that the seller has never seen, never been to, and knew nothing about the property because they bought from out of state as an investment. Typically a short sale is sold AS-IS and that really means that you as a buyer should verify everything that is important to you and that you should perform any and all inspections that are necessary to make sure that the house meets your needs. If then the property does not meet your needs, you should have an inspection contingency to protect you.
From Chase's standpoint, the could not care less if the seller disclosed anything to you and counteroffering their approved amount will most likely drag this out more or kill the deal. Even though it was not sold AS-IS and even if you did not agree to AS-IS, Chase will not make any repairs to the home for you and most likely the seller does not have the means to do it so essentially it is AS-IS and your agent should have told you that from the beginning.
You made a low ball offer so why would anyone fix the house for you if you are trying to buy it with a low ball offer, maybe your offer is actually market value now that you know the repairs that it needs. Fair market value is what it takes 99.9% of the time or something very close to FMV.
With ALL due respect, I does not appear that anyone has educated you on how to buy a short sale and how the process really works. You found the right place right here at short sale superstars. ASK AWAY and we will help you through this.
Again, I post this information with all due respect to you so please don't think that I am being arguementative in any way.

Permalink Reply by Janie Booth on December 9, 2010 at 7:52am

Hi, Laura ~ Is the property available for an inspection? If so, why don't you hire a professional inspector to find out the condition and what really is working or not working? Then you will have a more accurate idea of what you are willing to accept or not accept and for what price. Most short sales are sold in As Is condition because the sellers cannot pay for repairs. Also, I would never depend on the seller's disclosures on a short sale. The listing agent will also paint the worst picture possible regarding the condition of the house so that the bank will accept your offer. There is really no way for you to know the condition for sure unless you hire an inspector and do your due dilligence. Best to you!

Permalink Reply by Thom Colby CA Brkr 888-391-5245 on December 9, 2010 at 8:22am

Laura -

You talk about many issues you have with the property but, you still want it. So you have answered many of your own questions. As for being angry at the Listing Agent - I get it - BUT, where is YOUR agent? He/She should be dealing with the issue of disclosures, etc. No matter whether the seller ever lived in the property or not, they are still required to disclose "what they know".

As for Chase - or any short sale lender - they really don't care what repairs are needed. At this point, they are only a "debt settlement company". They want to settle the debt for as much as they can for whomever the investor is who owns the loan. Sometimes the price is unreasonable to the Buyer (and everyone else) BUT, the owner of the loan gets to decide what they will settle for, not the agents or the buyer.

I know you want this house BUT, I think you should really look around more and see if something else may have come on the market that meets 90% of your needs / wants without the issues you are facing.

Best of luck,
Thom Colby
Broker
Newport Beach CA

Permalink Reply by Lissa Uder on December 9, 2010 at 8:29am

Jeff and Janie are both 100% correct here. I'd like to add a couple of comments though. Short sales and foreclosures are entirely different ball games than buying from an individual owner.
1. It could have a very negative effect on your offer if the agent continually hounds the negotiator. Since they don't have to play by the same rules as individual seller's, they can and will take all the time they want to either accept or reject your offer. Most of the time, they aren't trying to be difficult. Especially when the old loan has been sold in the secondary market or the property has more than one mortgage or liens. They have to get approval from everyone involved which sometimes takes time. There is absolutely nothing a listing agent can do to to speed up that process. Trust me when I say the agent wants the deal to close as much as you do. After all, he is out expenses for things such as advertising that he doesn't get paid for until it closes.
2. Please be aware that if you submit a counter due to the "new" findings regarding the condition of the home, expect to go through the process again.
I'm sorry you are finding the purchase of a home to be so stressful. I wish your agent had explained how different and sometimes difficult purchasing a short sale can be. As for the listing agent, I would like to think that he has the knowledge of short sales to do the job correctly as well. Unfortunately though, assumptions aren't necessarily truth. I wish you luck with getting this purchase wrapped up.

Permalink Reply by Laura Rencher on December 9, 2010 at 8:29am

Jeff, I am not offended. I realize that in a short sale, we are buying the house as is. I have been reading this forum for about three months and am selling my house as a short sale right now. It is my understanding that the seller is supposed to fill out and sign the seller's disclosure which is a statement of everything that he knows that is wrong with property. If the agent knows major things that are wrong and not listed, I thought he was supposed to disclose them and/or get an updated disclosure. This is to avoid the exact situation that we are in. In normal sales, we would negotiate with this info. I have bought and sold a few properties...as far as I know this is standard for residential real estate. We do have an inspection contingency. We were waiting to invest in inspections after we heard back from the bank on the approval. The electricity is turned off now, so that will be part of the process. I don't want to kill the deal or drag it out...which is why I am writing on this forum. If I told you more of the practices of the listing agent, I think you would understand why I believe he completed and signed the disclosure.

I guess what you are saying is there is nothing we can do...and yes, the value is probably right where our offer is.


Jeff Payne said:

Whoa, you are making alot of accusations and could be jumping to conclusions. First things first, is the seller required to fill out the sellers disclosures? Has the seller ever lived in the property and does the seller have the first hand knowledge of the issues with the property? I ask this because I have sold MANY properties that the seller has never seen, never been to, and knew nothing about the property because they bought from out of state as an investment. Typically a short sale is sold AS-IS and that really means that you as a buyer should verify everything that is important to you and that you should perform any and all inspections that are necessary to make sure that the house meets your needs. If then the property does not meet your needs, you should have an inspection contingency to protect you.
From Chase's standpoint, the could not care less if the seller disclosed anything to you and counteroffering their approved amount will most likely drag this out more or kill the deal. Even though it was not sold AS-IS and even if you did not agree to AS-IS, Chase will not make any repairs to the home for you and most likely the seller does not have the means to do it so essentially it is AS-IS and your agent should have told you that from the beginning.
You made a low ball offer so why would anyone fix the house for you if you are trying to buy it with a low ball offer, maybe your offer is actually market value now that you know the repairs that it needs. Fair market value is what it takes 99.9% of the time or something very close to FMV.
With ALL due respect, I does not appear that anyone has educated you on how to buy a short sale and how the process really works. You found the right place right here at short sale superstars. ASK AWAY and we will help you through this.
Again, I post this information with all due respect to you so please don't think that I am being arguementative in any way.

Permalink Reply by Thom Colby CA Brkr 888-391-5245 on December 9, 2010 at 8:35am

Laura -

You said "and am selling my house as a short sale right now" - Let me make sure I understand.... you are selling your current home as a short sale, but buying another home at the same time?

If so, that's called a "Buy and Bail" and quite frankly, that's Fraud - and - Chase will figure that out.




Laura Rencher said:

Jeff, I am not offended. I realize that in a short sale, we are buying the house as is. I have been reading this forum for about three months and am selling my house as a short sale right now. It is my understanding that the seller is supposed to fill out and sign the seller's disclosure which is a statement of everything that he knows that is wrong with property. If the agent knows major things that are wrong and not listed, I thought he was supposed to disclose them and/or get an updated disclosure. This is to avoid the exact situation that we are in. In normal sales, we would negotiate with this info. I have bought and sold a few properties...as far as I know this is standard for residential real estate. We do have an inspection contingency. We were waiting to invest in inspections after we heard back from the bank on the approval. The electricity is turned off now, so that will be part of the process. I don't want to kill the deal or drag it out...which is why I am writing on this forum. If I told you more of the practices of the listing agent, I think you would understand why I believe he completed and signed the disclosure.

I guess what you are saying is there is nothing we can do...and yes, the value is probably right where our offer is.


Jeff Payne said:

Whoa, you are making alot of accusations and could be jumping to conclusions. First things first, is the seller required to fill out the sellers disclosures? Has the seller ever lived in the property and does the seller have the first hand knowledge of the issues with the property? I ask this because I have sold MANY properties that the seller has never seen, never been to, and knew nothing about the property because they bought from out of state as an investment. Typically a short sale is sold AS-IS and that really means that you as a buyer should verify everything that is important to you and that you should perform any and all inspections that are necessary to make sure that the house meets your needs. If then the property does not meet your needs, you should have an inspection contingency to protect you.
From Chase's standpoint, the could not care less if the seller disclosed anything to you and counteroffering their approved amount will most likely drag this out more or kill the deal. Even though it was not sold AS-IS and even if you did not agree to AS-IS, Chase will not make any repairs to the home for you and most likely the seller does not have the means to do it so essentially it is AS-IS and your agent should have told you that from the beginning.
You made a low ball offer so why would anyone fix the house for you if you are trying to buy it with a low ball offer, maybe your offer is actually market value now that you know the repairs that it needs. Fair market value is what it takes 99.9% of the time or something very close to FMV.
With ALL due respect, I does not appear that anyone has educated you on how to buy a short sale and how the process really works. You found the right place right here at short sale superstars. ASK AWAY and we will help you through this.
Again, I post this information with all due respect to you so please don't think that I am being arguementative in any way.

Permalink Reply by Jeff Payne on December 9, 2010 at 8:40am

Laura, again I think that you are assuming many things, you are assuming that the listing agent knows first hand of problems with the house that should be disclosed and that the seller knows of these problems too. I do not believe that they are required to fill out the sellers disclosures however they are required to disclose any KNOWN defects that materially affect the value of the property.
Quick question, how do you intend to sell your home as a short sale and buy another right away? Just curious.

Laura Rencher said:

Jeff, I am not offended. I realize that in a short sale, we are buying the house as is. I have been reading this forum for about three months and am selling my house as a short sale right now. It is my understanding that the seller is supposed to fill out and sign the seller's disclosure which is a statement of everything that he knows that is wrong with property. If the agent knows major things that are wrong and not listed, I thought he was supposed to disclose them and/or get an updated disclosure. This is to avoid the exact situation that we are in. In normal sales, we would negotiate with this info. I have bought and sold a few properties...as far as I know this is standard for residential real estate. We do have an inspection contingency. We were waiting to invest in inspections after we heard back from the bank on the approval. The electricity is turned off now, so that will be part of the process. I don't want to kill the deal or drag it out...which is why I am writing on this forum. If I told you more of the practices of the listing agent, I think you would understand why I believe he completed and signed the disclosure.

I guess what you are saying is there is nothing we can do...and yes, the value is probably right where our offer is.


Jeff Payne said:

Whoa, you are making alot of accusations and could be jumping to conclusions. First things first, is the seller required to fill out the sellers disclosures? Has the seller ever lived in the property and does the seller have the first hand knowledge of the issues with the property? I ask this because I have sold MANY properties that the seller has never seen, never been to, and knew nothing about the property because they bought from out of state as an investment. Typically a short sale is sold AS-IS and that really means that you as a buyer should verify everything that is important to you and that you should perform any and all inspections that are necessary to make sure that the house meets your needs. If then the property does not meet your needs, you should have an inspection contingency to protect you.
From Chase's standpoint, the could not care less if the seller disclosed anything to you and counteroffering their approved amount will most likely drag this out more or kill the deal. Even though it was not sold AS-IS and even if you did not agree to AS-IS, Chase will not make any repairs to the home for you and most likely the seller does not have the means to do it so essentially it is AS-IS and your agent should have told you that from the beginning.
You made a low ball offer so why would anyone fix the house for you if you are trying to buy it with a low ball offer, maybe your offer is actually market value now that you know the repairs that it needs. Fair market value is what it takes 99.9% of the time or something very close to FMV.
With ALL due respect, I does not appear that anyone has educated you on how to buy a short sale and how the process really works. You found the right place right here at short sale superstars. ASK AWAY and we will help you through this.
Again, I post this information with all due respect to you so please don't think that I am being arguementative in any way.

Permalink Reply by Lissa Uder on December 9, 2010 at 8:48am

Laura where in the world is your agent? Forgive me for saying but it really sounds to me like you aren't receiving adequate education. Thank goodness you posted on Short Sale Superstars before you find yourself in a world of trouble. Please be open minded and listen to what these professionals are saying.

Oh, one other thing. Seller's are required to disclose any problems they know of pertaining to the property. If it has been rented, the seller may not have had any knowledge of heating and air issues. The listing agent may not have either, and may have assumed there was a problem if the renter was using a wood stove to heat with. I personally use a wood burning fireplace just to cut down on heating costs.



Laura Rencher said:

Jeff, I am not offended. I realize that in a short sale, we are buying the house as is. I have been reading this forum for about three months and am selling my house as a short sale right now. It is my understanding that the seller is supposed to fill out and sign the seller's disclosure which is a statement of everything that he knows that is wrong with property. If the agent knows major things that are wrong and not listed, I thought he was supposed to disclose them and/or get an updated disclosure. This is to avoid the exact situation that we are in. In normal sales, we would negotiate with this info. I have bought and sold a few properties...as far as I know this is standard for residential real estate. We do have an inspection contingency. We were waiting to invest in inspections after we heard back from the bank on the approval. The electricity is turned off now, so that will be part of the process. I don't want to kill the deal or drag it out...which is why I am writing on this forum. If I told you more of the practices of the listing agent, I think you would understand why I believe he completed and signed the disclosure.

I guess what you are saying is there is nothing we can do...and yes, the value is probably right where our offer is.


Jeff Payne said:

Whoa, you are making alot of accusations and could be jumping to conclusions. First things first, is the seller required to fill out the sellers disclosures? Has the seller ever lived in the property and does the seller have the first hand knowledge of the issues with the property? I ask this because I have sold MANY properties that the seller has never seen, never been to, and knew nothing about the property because they bought from out of state as an investment. Typically a short sale is sold AS-IS and that really means that you as a buyer should verify everything that is important to you and that you should perform any and all inspections that are necessary to make sure that the house meets your needs. If then the property does not meet your needs, you should have an inspection contingency to protect you.
From Chase's standpoint, the could not care less if the seller disclosed anything to you and counteroffering their approved amount will most likely drag this out more or kill the deal. Even though it was not sold AS-IS and even if you did not agree to AS-IS, Chase will not make any repairs to the home for you and most likely the seller does not have the means to do it so essentially it is AS-IS and your agent should have told you that from the beginning.
You made a low ball offer so why would anyone fix the house for you if you are trying to buy it with a low ball offer, maybe your offer is actually market value now that you know the repairs that it needs. Fair market value is what it takes 99.9% of the time or something very close to FMV.
With ALL due respect, I does not appear that anyone has educated you on how to buy a short sale and how the process really works. You found the right place right here at short sale superstars. ASK AWAY and we will help you through this.
Again, I post this information with all due respect to you so please don't think that I am being arguementative in any way.

Permalink Reply by Jeff Payne on December 9, 2010 at 8:51am

+1 Lissa, Great advice for sure.

Lissa Uder said:

Laura where in the world is your agent? Forgive me for saying but it really sounds to me like you aren't receiving adequate education. Thank goodness you posted on Short Sale Superstars before you find yourself in a world of trouble. Please be open minded and listen to what these professionals are saying.

Oh, one other thing. Seller's are required to disclose any problems they know of pertaining to the property. If it has been rented, the seller may not have had any knowledge of heating and air issues. The listing agent may not have either, and may have assumed there was a problem if the renter was using a wood stove to heat with. I personally use a wood burning fireplace just to cut down on heating costs.



Laura Rencher said:

Jeff, I am not offended. I realize that in a short sale, we are buying the house as is. I have been reading this forum for about three months and am selling my house as a short sale right now. It is my understanding that the seller is supposed to fill out and sign the seller's disclosure which is a statement of everything that he knows that is wrong with property. If the agent knows major things that are wrong and not listed, I thought he was supposed to disclose them and/or get an updated disclosure. This is to avoid the exact situation that we are in. In normal sales, we would negotiate with this info. I have bought and sold a few properties...as far as I know this is standard for residential real estate. We do have an inspection contingency. We were waiting to invest in inspections after we heard back from the bank on the approval. The electricity is turned off now, so that will be part of the process. I don't want to kill the deal or drag it out...which is why I am writing on this forum. If I told you more of the practices of the listing agent, I think you would understand why I believe he completed and signed the disclosure.

I guess what you are saying is there is nothing we can do...and yes, the value is probably right where our offer is.


Jeff Payne said:

Whoa, you are making alot of accusations and could be jumping to conclusions. First things first, is the seller required to fill out the sellers disclosures? Has the seller ever lived in the property and does the seller have the first hand knowledge of the issues with the property? I ask this because I have sold MANY properties that the seller has never seen, never been to, and knew nothing about the property because they bought from out of state as an investment. Typically a short sale is sold AS-IS and that really means that you as a buyer should verify everything that is important to you and that you should perform any and all inspections that are necessary to make sure that the house meets your needs. If then the property does not meet your needs, you should have an inspection contingency to protect you.
From Chase's standpoint, the could not care less if the seller disclosed anything to you and counteroffering their approved amount will most likely drag this out more or kill the deal. Even though it was not sold AS-IS and even if you did not agree to AS-IS, Chase will not make any repairs to the home for you and most likely the seller does not have the means to do it so essentially it is AS-IS and your agent should have told you that from the beginning.
You made a low ball offer so why would anyone fix the house for you if you are trying to buy it with a low ball offer, maybe your offer is actually market value now that you know the repairs that it needs. Fair market value is what it takes 99.9% of the time or something very close to FMV.
With ALL due respect, I does not appear that anyone has educated you on how to buy a short sale and how the process really works. You found the right place right here at short sale superstars. ASK AWAY and we will help you through this.
Again, I post this information with all due respect to you so please don't think that I am being arguementative in any way.

Permalink Reply by Laura Rencher on December 9, 2010 at 8:52am

Jeff, If you read my initial post, you will see that how I found out about the problems is that the listing agent sent the list in his letter to the bank's negotiator and forwarded it to my agent.
We have gone in great detail to disclose the problems with our property to the potential buyers so that this situation does not happen.

Regarding buying and selling a short sale, We are not "buying and bailing" and I don't believe we are committing fraud....Please ask a few questions before saying something like that...

My father is actually buying the new property and renting it to us.
Our monthly payment will be cut in half. We are extremely thankful that he is willing to help us out as our current property has been very expensive to repair and maintain and we are financially in tremendous amounts of debt, our credit is shot, and we certainly have no down payment.



Jeff Payne said:

Laura, again I think that you are assuming many things, you are assuming that the listing agent knows first hand of problems with the house that should be disclosed and that the seller knows of these problems too. I do not believe that they are required to fill out the sellers disclosures however they are required to disclose any KNOWN defects that materially affect the value of the property.
Quick question, how do you intend to sell your home as a short sale and buy another right away? Just curious.

Laura Rencher said:

Jeff, I am not offended. I realize that in a short sale, we are buying the house as is. I have been reading this forum for about three months and am selling my house as a short sale right now. It is my understanding that the seller is supposed to fill out and sign the seller's disclosure which is a statement of everything that he knows that is wrong with property. If the agent knows major things that are wrong and not listed, I thought he was supposed to disclose them and/or get an updated disclosure. This is to avoid the exact situation that we are in. In normal sales, we would negotiate with this info. I have bought and sold a few properties...as far as I know this is standard for residential real estate. We do have an inspection contingency. We were waiting to invest in inspections after we heard back from the bank on the approval. The electricity is turned off now, so that will be part of the process. I don't want to kill the deal or drag it out...which is why I am writing on this forum. If I told you more of the practices of the listing agent, I think you would understand why I believe he completed and signed the disclosure.

I guess what you are saying is there is nothing we can do...and yes, the value is probably right where our offer is.


Jeff Payne said:

Whoa, you are making alot of accusations and could be jumping to conclusions. First things first, is the seller required to fill out the sellers disclosures? Has the seller ever lived in the property and does the seller have the first hand knowledge of the issues with the property? I ask this because I have sold MANY properties that the seller has never seen, never been to, and knew nothing about the property because they bought from out of state as an investment. Typically a short sale is sold AS-IS and that really means that you as a buyer should verify everything that is important to you and that you should perform any and all inspections that are necessary to make sure that the house meets your needs. If then the property does not meet your needs, you should have an inspection contingency to protect you.
From Chase's standpoint, the could not care less if the seller disclosed anything to you and counteroffering their approved amount will most likely drag this out more or kill the deal. Even though it was not sold AS-IS and even if you did not agree to AS-IS, Chase will not make any repairs to the home for you and most likely the seller does not have the means to do it so essentially it is AS-IS and your agent should have told you that from the beginning.
You made a low ball offer so why would anyone fix the house for you if you are trying to buy it with a low ball offer, maybe your offer is actually market value now that you know the repairs that it needs. Fair market value is what it takes 99.9% of the time or something very close to FMV.
With ALL due respect, I does not appear that anyone has educated you on how to buy a short sale and how the process really works. You found the right place right here at short sale superstars. ASK AWAY and we will help you through this.
Again, I post this information with all due respect to you so please don't think that I am being arguementative in any way.

Permalink Reply by Laura Rencher on December 9, 2010 at 9:00am

Sorry to offend the ss agents, I seem to hit a nerve here stating negative things about the listing agent....The point is there is no question he knew about the problems and did not disclose them.
Not all agents are honest...this one isn't. He has been convicted of fraud and had license suspensions in the past. I hope saying that gives me a little more credibility.

That said. I appreciate the feedback...It sounds like there is nothing more that we can do.

Permalink Reply by Jeff Payne on December 9, 2010 at 9:06am

Hi laura, I didn't say that you were buying and bailing, I was just curious how you were going to accomplish it. I have seen it done before but not often. I believe that I did ask and didn't jump to a conclusion. I understand how you found out about the problems but more times than not, the listing agent is trying to paint a picture of the home in BAD condition to help with keeping the value in line with FMV.

Laura Rencher said:

Jeff, If you read my initial post, you will see that how I found out about the problems is that the listing agent sent the list in his letter to the bank's negotiator and forwarded it to my agent.
We have gone in great detail to disclose the problems with our property to the potential buyers so that this situation does not happen.

Regarding buying and selling a short sale, We are not "buying and bailing" and I don't believe we are committing fraud....Please ask a few questions before saying something like that...

My father is actually buying the new property and renting it to us.
Our monthly payment will be cut in half. We are extremely thankful that he is willing to help us out as our current property has been very expensive to repair and maintain and we are financially in tremendous amounts of debt, our credit is shot, and we certainly have no down payment.



Jeff Payne said:

Laura, again I think that you are assuming many things, you are assuming that the listing agent knows first hand of problems with the house that should be disclosed and that the seller knows of these problems too. I do not believe that they are required to fill out the sellers disclosures however they are required to disclose any KNOWN defects that materially affect the value of the property.
Quick question, how do you intend to sell your home as a short sale and buy another right away? Just curious.

Laura Rencher said:

Jeff, I am not offended. I realize that in a short sale, we are buying the house as is. I have been reading this forum for about three months and am selling my house as a short sale right now. It is my understanding that the seller is supposed to fill out and sign the seller's disclosure which is a statement of everything that he knows that is wrong with property. If the agent knows major things that are wrong and not listed, I thought he was supposed to disclose them and/or get an updated disclosure. This is to avoid the exact situation that we are in. In normal sales, we would negotiate with this info. I have bought and sold a few properties...as far as I know this is standard for residential real estate. We do have an inspection contingency. We were waiting to invest in inspections after we heard back from the bank on the approval. The electricity is turned off now, so that will be part of the process. I don't want to kill the deal or drag it out...which is why I am writing on this forum. If I told you more of the practices of the listing agent, I think you would understand why I believe he completed and signed the disclosure.

I guess what you are saying is there is nothing we can do...and yes, the value is probably right where our offer is.


Jeff Payne said:

Whoa, you are making alot of accusations and could be jumping to conclusions. First things first, is the seller required to fill out the sellers disclosures? Has the seller ever lived in the property and does the seller have the first hand knowledge of the issues with the property? I ask this because I have sold MANY properties that the seller has never seen, never been to, and knew nothing about the property because they bought from out of state as an investment. Typically a short sale is sold AS-IS and that really means that you as a buyer should verify everything that is important to you and that you should perform any and all inspections that are necessary to make sure that the house meets your needs. If then the property does not meet your needs, you should have an inspection contingency to protect you.
From Chase's standpoint, the could not care less if the seller disclosed anything to you and counteroffering their approved amount will most likely drag this out more or kill the deal. Even though it was not sold AS-IS and even if you did not agree to AS-IS, Chase will not make any repairs to the home for you and most likely the seller does not have the means to do it so essentially it is AS-IS and your agent should have told you that from the beginning.
You made a low ball offer so why would anyone fix the house for you if you are trying to buy it with a low ball offer, maybe your offer is actually market value now that you know the repairs that it needs. Fair market value is what it takes 99.9% of the time or something very close to FMV.
With ALL due respect, I does not appear that anyone has educated you on how to buy a short sale and how the process really works. You found the right place right here at short sale superstars. ASK AWAY and we will help you through this.
Again, I post this information with all due respect to you so please don't think that I am being arguementative in any way.

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