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If you feel like you are being forced into foreclosure and all seems lost ...
Help is only a few clicks away.
We are the leading St. Louis company in helping homeowners stop the foreclosure process. We understand that there are a multitude of reasons why homeowners get over their heads and we know that every situation is unique.
At The Claus Schlaefli Real Estate Team we put a team of specialists together to attack the situation and figure out what your best options are based on your personal situation. We can help you save your home or sell your home and avoid foreclosure. We take the time to put together a personalized plan of action based on your situation.
OK, So Now That We Have Your Attention, Here's How It Works.
A short sale is the process through which your mortgage company agrees to settle for less than what is owed to them. They do this as an alternative to the expensive and time consuming process of foreclosure. Each mortgage company has their own set of processes through which they decide whether or not to accept a short sale, and while there are many similarities, each has its own requirements for approval. As a third party mediator, we have a distinct advantage in negotiating with your mortgage company.
First you will need to fill out the application forms that we will provide to you. Once all of the forms are completed and faxed back to our office we can then open a case file and begin the process of analyzing your situation and making contact with the mortgage company.
Once our staff has made contact with the mortgage company, they will issue a "work~out package". This is the lenders list of instructions and requirements for considering a short sale.
Some of the things they will likely require are:
Full disclosure of your current financial situation.
Hardship letter.
Last 2 pay~stubs for all working borrowers (including L&I and unemployment benefit.).
Last 2 years tax returns.
Last 2 bank statements.
Last 6 months of Profit and Loss statement (if self employed)
Authorization to disclose personal information.
The lender will likely require additional information, which we will collect from you, and review before submitting it to the lender. It is very important that you or your client not discuss anything with the lender from here forward. Should you or your client be contacted by one or more of the lien holders, please inform them that "Claus Schlaefli with Realty Executives of STL" will be handling all negotiations, and that you would prefer they not contact you any further.
READY TO TAKE THE NEXT STEP?
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Don't worry. The next part is easy. Just fill out the form below with your contact information and one of our Short Sale specialists will contact you to talk about your specific situation.
Every situation is different and we know that you have questions. We are here to answer your questions and present the options for your individual situation.
No Pressure - If after talking to one of our specialists you feel that you want to move forward we will let you know the steps that are required. If you don't think that we are the right solution to fill your needs ... THAT'S O.K. no high pressure, No arm twisting, no barrage of endless follow up phone calls. Either we are the right solution for you or we're not ... the decision is yours! |
Thank you for inquiring about my services and experience as an agent. Please feel free to contact me so I can forward you details regarding my experience as an agent, referrals to speak with, current listings and any further information you desire. I look forward to speaking with you, so please take a moment to fill out the form below. | 
