What is the process to sell my house?

First, complete and submit the Property Information Form. An SSC Homes specialist will contact you within 24 hours to review the information with you and may need to ask you additional questions. Next, an SSC Homes REALTOR® will review and research your property and schedule a time to meet with you to view the property. At that time, your dedicated SSC Homes REALTOR® may be able to deliver a cash offer from our Buyer's Network.

 

What will it cost me to sell my house?

If you are a homeowner who is looking to short sale their property, there is no cost to you. When the lender approves the short sale, they are incurring the fees associated with the transaction, including closing costs, agent commissions, title fees, etc.

 

Will you sell my email and phone number if I fill out your contact form?

Never! SSC Homes does not engage in any type of selling or sharing of your information. We consider your information confidential and everything you provide and discuss with SSC Homes will be kept private. Please review our Privacy Policy.

 

I owe more on my property than what it's worth, what do I do?

The good new is that you have options! All of the options below should be reviewed and considered thoroughly to determind the BEST solution for you. Please contact us to have a better understanding of how each will affect you in more detail.

A Foreclosure is when you stop making payments, and upon being evicted from your home, you walk away. The property is then sold at auction as a way for the lender to recoup the unpaid balance of the loan. This option will hurt your credit the worst since you walked away from your contract with the lender.

Offering the Deee-in-Lieu to the lender is when you give the Title back to the lender and walk away from the property.

A Loan Modification gives you the opportunity to stay in your home by negotiating with your lender to change the terms of your loan. They will generally decrease the interest rate on the loan or extend the life of the loan as a way to offer you a more affordable monthly mortgage rate. It is rare that your lender will reduce the principle amount of the loan. This is a great option if you are able to afford paying a reduced monthly mortgage of a few hundred dollars. These modifications often readjust in 6 months to 2 years, and you may find yourself unable to make the payments again.

Choosing a Short Sale is when the lender will accept a lesser purchase price for the property than what is due on the loan. If you are no longer able to your monthly mortgage every month and a loan modification is not possible or feasible, a short sale may be the best solution.

 

How long does the short sale process take?

From beginning to end, once we have all of the required documents needed to submit to your lender, the short sale process will take between 2-6 months, depending on your lender's approval process. If you are facing foreclosure sooner than that, we can request a postponement from your lender, in addtion to working to expedite the short sale process with your lender.

 

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Please note that each our of clients have unique and individualized needs. These questions represent only some of the situations that we encounter on a daily basis. The information provided here is for educational and informational purposes and does not contitute tax or legal advice.