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Ready to purchase a short sale?

A short sale is when the homeowner's lender consents to receive a reduced amount to release a mortgage. For more information, simply contact me through my site or e-mail me. I'm glad to address any questions you have about real estate short sales.

Purchasing a short sale in Stockton, California on your own is risky. Contact Provident Realty Group for expert advice.

Are short sales bargains?

Every now and then a good deal will come along. Often times people hear the phrase "short sale" and instinctively think of a seller that is insolvent and must sell their property quickly to avert further financial problems. This is occasionally the case and can be an opportunity for a buyer to cash in on another's misfortune. Alternatively, a lender may consider a short sale even if the seller is current with their mortgage, but property values have declined. In these cases the reduced price may in fact be consistent with true market values, not below.

Are you ready to buy a short sale property?

Always do your homework before making any offers. Using an experienced real estate agent from Provident Realty Group to help you research a property can help you make informed decisions. We can help discover to whom the property is titled, the balance still owed to the lender, and whether or not a foreclosure notice has been filed. Getting this info can help you decide how much to offer.
Get a real estate agent with short sale experience. Provident Realty Group can aid you in expediting the transaction and make sure you're protected. Don't let inexperience hold up the closing process. Let my experience and knowledge work for you.
Even with an experienced real estate agent and under the best circumstances, buying a short sale property will probably take longer than a typical real estate transaction. Be informed that many short sales will not close in less than 30 days. Remember that you're not only having to satisfy the seller, but the lender must also agree to the sale terms. A lot of the time your offer will go before a committee to approve, which will add time - sometimes even 2 to 3 months.
Home protection warranties, buyer credits and allowances, and closing cost concessions are typically not negotiable when working with a short sale. The lender is selling the property as seen which means the lender won't be paying for repairs. Be sure you reserve the right to have inspections for pests, HVAC, electrical, and other critical areas. At Provident Realty Group, when I write an offer, I will be looking out for your interests first and foremost and will always recommend that you make your offer contingent upon the outcome of the inspections.

When it is time to buy, whether it's a short sale or a typical home sale, Provident Realty Group can help you. Use my experience and knowledge of real estate to feel confident that you are getting a fair deal and remain protected during the full transaction.