Phone:
 386-961-0011
Fax:
 386-961-0007
Florida's Premier provider of Title Services
 
 
 
     
 
"With the current market conditions it is very important to have the right team on your side. I like the way Sierra Title responds to my title needs; they are always in time and accurate. "
Humberto Crispin
Loan Officer
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Short Sale Processing and Negotiation Center for Real Estate Agents and Their Clients

What We Do:

  • Successfully negotiate short sale transactions with lenders and/or servicing company's on the behalf of the real estate agent and their client(s)
  • Assist home owners in avoiding foreclosure
  • Preserve agent compensation
  • Forensic Loan Audit and Legal Document Review
  • Imminent foreclosure and toxic listing notification
  • STOP the collection calls your client is receiving
  • Provide ongoing short sale training for real estate agents
  • Reduce your legal liability
  • Free up your valuable time
  • Eliminate stress and pressure

As you may already be aware, selling a property for less than what is owed requires expertise and time. Our full-time team of specialists are experts in short sale processing and negotiation.

This is a *NO COST program for real estate agents and their clients.

Here's How Our Program Works: 

First you will need to have your client fill out and submit all required documents. Once ALL of the forms are completed and mailed, faxed, or emailed back to our office we can open a case file and begin the process of analyzing the clients situation and making contact with the lender and/or servicing company.

Once our licensed negotiators have made contact with the Lender and/or Servicing Company, they will issue a work-out or negotiation package. This is the lenders list of requirements and instructions for considering a short sale.

The lender and/or servicing company will more than likely require additional information throughout the process, which we will collect and review prior to submitting to the lender and/or servicing company. At that time it is very important the real estate agent or the client does not discuss anything with the lender and/or servicing company from file submission forward.

Short Sales
Also known as “Pre-Foreclosure Sale”, a short sale is possible when you owe more money than your home is worth. If you recently purchased or refinanced your home, you may find yourself in this situation where you owe more than what you can sell your home for today.

We work directly with your lender to accept less than what you owe to settle your debt as "paid in full."
 
Loan Modification
A Loan Modification is a re-negotiation of the terms of your loan with your lender to fix your default, restore your credit, and retain possession of your home. It is often possible to add any delinquent amount due to the end to your loan balance, reduce your interest rate and in certain circumstances have your principal balance, what you owe, reduced.
 
Deed in Lieu of Foreclosure
Here you voluntarily agree to return your property to the lender. This saves the bank some of the expenses associated if you were to force them to foreclose. In doing so, you may avoid public announcement of your foreclosure and receive more favorable terms and conditions.
 
Foreclosure
This event occurs when you are unable to afford your home loan payments. Your lender exercises its contractual agreement that you signed when you purchased or refinanced your home, announces your default in a public forum, such as newspaper, and then, if necessary, removes you and your possessions from the property and then sells it to another party.
 
 
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