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Short Sales >5. What If My Lender Refuses My Short Sale Request?

The most common reason for a lender to refuse a short sale request is loss. That is, the lender will refuse a short sale if their calculations suggest that they will lose less via a foreclosure. If this happens to you:

Step 1: Demand a written letter from the loan servicer explaining exactly why the request has been denied.
Step 2: Figure out and write down the projected losses youll experience if the home is foreclosed on as opposed to sold as a short sale.
Step 3: Notify the company handling the loan that if the house is foreclosed on, you will be suing them for the damages you documented in Step 2.

If you follow this procedure, you should be in the clear either way. Either your home will be sold as a short sale like you previously wanted, or you will have the potential to regain your losses after foreclosure from the lawsuit. Your best strategy for navigating the short sale process is to work with a qualified agent who can assist you. The agent will help you work through the process and/or any contingency plans.

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Q	Where is the world's tallest apartment block?
A	The 100-story John Hancock Center in Chicago, Illinois is 1,127 feet high; floors 44 through 92 are residential.
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Judy Hirshburg, REALTORŽ, real estate agent and broker for Caldwell, Verona, and Essex Fells New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Hirshburg
Coldwell Banker Residential Brokerage
484 Bloomfield Avenue
Caldwell, NJ 07006
Direct Line: 973-201-321-5735
Eves: 973-575-1394
Text To : 201-321-5735
Email: realtorjudyh@juno.com
Email: JudyHirshburg@NJHomePro.com
Judy Hirshburg is your top selling Essex County expert ranking among the elite sales associates of all Coldwell Banker agents, nationwide. She specializes in Caldwell, North Caldwell, West Caldwell, Essex Fells, Verona, Livingston, Montclair, Cedar Grove, West Orange and Roseland and belongs to both GSMLS and NJMLS. For more than 30 years, Judy Hirshburg has been consistently named a top agent in the West Essex area and has been a recipient of the National Association of Realtors' Distinguished Sales Award (10 years or more in the Million Dollar Sales Club). Her strong principles, vivacious personality and keen negotiating/marketing skills, combined with her extensive knowledge of the schools, transportation and shopping in her area, make her the most valuable realtor to have on your side. Judy's proven track record enables her to service either side of your transaction, whether buying or selling. She is DEDICATED TO MEETING YOUR NEEDS and is PASSIONATE ABOUT HER WORK, and it is this dedication that delivers optimal results for her clients and achieves their highest expectations. Read the recommendations from past customers and see for yourself.

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