Your mortgage lender will be considering a number of factors in deciding whether to approve a short sale. A review of your circumstance, whether you deserve a break due to financial hardship caused by uncontrollable circumstances such as death, divorce, layoffs or illness. They will also take a hard look at whether it would be cheaper (or more profitable to them) to simply proceed with the foreclosure process on the house, make any necessary repairs and sell it through an agent. How many other real estate owned (REO) properties they have in their portfolio would affect their decisions as well.

The Process
 when a borrower falls behind on their payments the loan is usually sent to the lender’s loan loss mitigation department. Most lenders also consider short loan payoff sale requests in their loss mitigation departments. 

Your chances of success with your lender improve if your communications with them is organized and complete. Your contact with your mortgage lender’s loss mitigation department should be professional. You’ll want to send them the appropriate documentation and provide them with any additional information that they may require.

Keep in mind that lenders will approve a short sale as a last resort to avoid foreclosure.

If a home was purchased at the height of the market and has depreciated considerably, the home may be “upside down”, or is worth less than is owed. The lender may consider a short sale. 

The same is true for a property was recently refinanced at 100% or on an option arm leaving the property without equity. 

Keep in mind that lender is not in a position to manage property they are in the lending business. A home, while it’s sitting vacant waiting for sale, is accruing costly insurance premiums, taxes, repairs and bringing in nothing. The lender is losing even more because the lost interest they could be receiving on their asset. They have their money invested, but are making nothing from the investment until the property sells.

If a short sale can be accomplished, their money is returned and they are no longer losing money on the investment. In a short sale the bank may even be willing to finance a new owner, making it a win/win for all parties.

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42 Photos 107 Wynfield Forest Drive Summerville, SC 29485

107 Wynfield Forest Drive
Summerville, SC 29485

MLS# 19017570 / Active
5 br, 3 ba, 2600 Sqft

This beautiful home is located in Wynfield Forest, the new subsection of Buckshire and loaded with upgrades. The kitchen has granite countertops, s... 

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Provided courtesy of Keller Williams Realty Charleston
22 Photos 488 Saint Andrews Boulevard Charleston, SC 29407

488 Saint Andrews Boulevard
Charleston, SC 29407

MLS# 19016840 / Active
3 br, 2 ba, 1492 Sqft

Perfect investor opportunity located a stone's throw from downtown Charleston. This property is graced with 2 beautiful Live Oaks and is essentiall... 

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Provided courtesy of Marshall Walker Real Estate
13 Photos 1295 White Tail Path Charleston, SC 29414

1295 White Tail Path
Charleston, SC 29414
Hunt Club Phase II

MLS# 19015773 / Active
4 br, 2 ba, 1 Half Bath, 2643 Sqft

Gorgeous home on a pond lot adjacent to a wooded area in the prestigious Hunt Club subdivision. The lot is configured to provide extra space from t... 

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Provided courtesy of Carolina One Real Estate
20 Photos 164 Balsam Circle Summerville, SC 29485

164 Balsam Circle
Summerville, SC 29485
Madison Ridge

MLS# 19014708 / Active
5 br, 2 ba, 1 Half Bath, 2310 Sqft

A 5-Bedroom Gem with spacious sought after Master Bedroom with separate shower/tub with dual vanities on the main level. Upgraded Kitchen with a w... 

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Provided courtesy of The Elite Realty Group of SC, LLC
37 Photos 5452 Clairmont Lane North Charleston, SC 29420

5452 Clairmont Lane
North Charleston, SC 29420
Cedar Grove

MLS# 19013340 / Active
4 br, 2 ba, 1 Half Bath, 2477 Sqft

Located in Cedar Grove, you will be close to schools, shopping, and restaurants! NEW CARPET!! Walking in you are greeted by a cozy foyer, hardwood ... 

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Provided courtesy of RE/MAX Alliance
32 Photos 453 Foxbank Plantation Boulevard Moncks Corner, SC 29461

453 Foxbank Plantation Boulevard
Moncks Corner, SC 29461
Foxbank Plantation

MLS# 19010000 / Active
3 br, 2 ba, 1 Half Bath, 2016 Sqft

Welcome to Foxbank Plantation. This two-story home features an open living space with fireplace and separate flex room/dining room. The kitchen boa... 

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Provided courtesy of RE/MAX Cornerstone Realty
60 Photos 1906 Park Rd Moncks Corner, SC 29461

1906 Park Rd
Moncks Corner, SC 29461

MLS# 19005531 / Active
6 br, 4 ba, 4695 Sqft

**Amazing opportunity** This unique 6 bedroom, 4 bathroom home is nestled on a large 0.76-acre lot in the quiet and historic neighborhood of Pimli... 

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Provided courtesy of Jeff Cook Real Estate LLC
23 Photos 5886 Ryans Bluff Road North Charleston, SC 29418

5886 Ryans Bluff Road
North Charleston, SC 29418
Covington Hills

MLS# 18027738 / Active
3 br, 3 ba, 3312 Sqft

3 bedroom, 3 bathroom, 1 story home. Spacious eat-in kitchen with breakfast bar, walk-in pantry and wet bar. LARGE formal dining room and family... 

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Provided courtesy of Carolina One Real Estate
17 Photos 164 Palm Cove Way Mount Pleasant, SC 29466

164 Palm Cove Way
Mount Pleasant, SC 29466
Dunes West

MLS# 18027640 / Active
2 br, 2 ba, 1 Half Bath, 2175 Sqft

This exquisitely upgraded townhome, located in the exclusive Dunes West gated community has MARSH VIEWS from nearly every window making it a privat... 

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Reduced -$20,000
Provided courtesy of Coldwell Banker Residential Brokerage
35 Photos 1704 Hopeman Lane Mount Pleasant, SC 29466

1704 Hopeman Lane
Mount Pleasant, SC 29466
Charleston National

MLS# 18022328 / Active
2 br, 2 ba, 1 Half Bath, 1920 Sqft

This is a Short Sale, subject to 3rd party approval and being sold ''As Is''. Home is no longer staged; however, it is a beautiful townhome tucked ... 

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Provided courtesy of Carolina One Real Estate
1 Photos 2465 The Haul Over Johns Island, SC 29455

2465 The Haul Over
Johns Island, SC 29455
Seabrook Island

MLS# 18018610 / Active
3 br, 2 ba, 1 Half Bath, 2514 Sqft

Easy to show! Home needs updates, but in a great location in Seabrook Island. Back porch looks over an Egret estuary and has views of the golf cour... 

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Provided courtesy of Harbins Two, Inc
30 Photos 5804 Palmetto Drive Isle Of Palms, SC 29451

5804 Palmetto Drive
Isle Of Palms, SC 29451
Wild Dunes

MLS# 16012207 / Active
2 br, 2 ba, 1231 Sqft


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Provided courtesy of Carroll Realty
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Broker Reciprocity The data relating to real estate for sale on this web site comes in part from the Broker ReciprocitySM Program of the Charleston Trident Multiple Listing Service. Real estate listings held by brokerage firms other than Carolina One Real Estate are marked with the Broker ReciprocitySM logo or the Broker ReciprocitySM thumbnail logo (a little black house) and detailed information about them includes the name of the listing brokers. Last updated on 06-16-2019 11:02 PM EST . The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision. Copyright 2019 Charleston Trident Multiple Listing Service, Inc. All rights reserved.
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