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If you're confused as to how does a short sale work Cheap Nike Air Max 720 Triple Black Men's Online , you're not alone. Much confusion surrounds this issue because the process varies by lender and state. Prior to Obama's Making Home Affordable program there was no specific protocol and banks were floundering about as they developed policies.

To accurately answer the question of how does a short sale work would require a book. The only way to determine exact policies is by contacting the servicing lender. However, most banks follow similar protocol to Making Home Affordable.

It can be helpful to visit the Making Home Affordable website to determine if your lender participates in the program. Participating lenders are required to respond to MHA short sale requests in a more expedient fashion.

The Short Sale Act of 2011 is up for legislative review and if passed would require banks to respond within 45 days of homeowners' written request. For now, homeowners will have to patiently wait out the approval process.

Under Making Home Affordable Foreclosure Alternatives Program (HAFA) Cheap Air Max 2020 Men's Black White Online , homeowners must have their property listed through a realtor for a minimum of 120-days before allowed to apply for short sales.

The term 'short sale' stems from the fact that banks allow homeowners to sell their home 'short' of the balance owed on the loan. Some lenders write-off remaining balances while others hold borrowers responsible for restitution.

It's important to determine which method is used by your lender. If held responsible for deficiency amounts, you might qualify for deed in lieu of foreclosure instead. Deed in lieu involves returning the property to the bank.

It can be advantageous to hire a real estate attorney to negotiate a 'Payment in Full without Pursuit of Deficiency Judgment' for either short sales or deed in lieu transactions. This document releases borrowers from owing deficiency amounts.

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Most lenders require homeowners to present a letter of hardship which outlines events leading to financial hardship or mortgage default. As a real estate investor who specializes in distressed properties, I can tell you hardship letters are an important element in obtaining approval.

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