Vallejo CA Short Sales Messina Realty Vallejo

Tim Garton Messina Realty Vallejo Realtor has been helping Vallejo family's for over 16 years with selling there short sale home. A short sale is a sales transaction were the borrowers lender voluntarily agrees to accept a loan payoff of less money that is owed. A Vallejo short sale that goes through in most cases is a better option than foreclosure for both the borrower and the lender.

Documents usually needed for a short sale from the borrower are Hardship Letter which explains why the borrower can not pay back the loan, A Financial Statement showing the borrowers income, assets and liabilities. 2 months of most recent bank statements and 2 most recent pay stubs.  Finally last 2 years of the borrowers tax returns. 

Tim Garton's job is to get the requested documents above to the lender, market the property for sale, providing a executed contract to the lender/servicer. Provide any additional or supporting  documentation requested by the lender. Work with the buyers lender and homeowner to facilitate the closing, coordinate the home transfer with the buyers and there Realtor.

The short sale process can be longer than a traditional sale because of more paper work invlolved. Tim Garton will try to make the process as smooth as possible, Tim also has all the training necessary for a short  sale with a "Short Sale Foreclosure Resource Designation"  "Certified Distressed Property Expert Certificate" & "Home Affordable Foreclosure Alternative Designation" Call Tim Garton a Vallejo California  Messina Realty Vallejo Realtor 707-315-5555.