You’re Not Out of Options
Unexpected challenges—job loss, medical bills, divorce, or rising costs—can turn homeownership into a heavy burden. The good news: foreclosure isn’t your only route. Several solutions exist that can help you regain control of your situation and protect your financial future.
Common Options to Discuss
1. Short Sale
If your mortgage balance is higher than your home’s current value, your lender may agree to a sale for less than what’s owed. A properly handled short sale can help you avoid foreclosure and recover your credit faster.
2. Loan Modification
If you’ve had a temporary setback, your lender may adjust your loan terms to make payments more manageable.
3. Deed in Lieu of Foreclosure
This is an agreement to transfer ownership of your property to the lender instead of going through foreclosure proceedings.
4. Forbearance or Payment Plan
If your hardship is temporary, your lender may allow you to pause or reduce payments for a short period.
Every lender and situation is different, but the earlier we talk, the more solutions we can explore together.
How a Short Sale Works
If a short sale is the best option for your situation, here’s what the process typically looks like:
Step 1: Confidential Consultation
We review your mortgage details, your hardship, and your goals to determine the best path forward.
Step 2: Listing & Marketing Your Home
Your home is listed at fair market value to attract serious, qualified buyers—never “fire-sale” pricing.
Step 3: Lender Review & Approval
Once we have an offer, I submit it to your lender along with your financial documentation. I stay in touch with their loss mitigation team every step of the way.
Step 4: Closing & Moving Forward
Once approved, the transaction closes like a traditional sale. You walk away free from the mortgage balance and can start rebuilding immediately.
Did you know? Many homeowners qualify for a new mortgage in as little as two years after completing a short sale.
Real Stories, Real Relief
Over the past 17 years, I’ve worked with many Upstate families who thought foreclosure was their only option. Each one found a way forward with the right plan and support.
“Kristin helped me understand my options when I thought there were none. She handled everything with kindness and professionalism, and I was able to start fresh without a foreclosure on my record.”
“She made an overwhelming situation simple. Kristin stayed in touch with the lender, explained every step, and helped us close on time. We’re back on our feet now, and I’m so grateful.”
These stories are real—and they all began with a confidential, no-pressure conversation.
