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Tips for writing a short sale hardship letter…

The topics you need to cover in your hardship letter include:

a. How you got into your present situation

b. What you have done to try to get out of this situation

c. Why this situation is permanent

What to avoid when writing a hardship letter…the simple (and difficult) answer is: hope. Writing a hardship letter can be a daunting task and we all want a rosy outlook, but the risk in being overly optimistic about your situation is that the bank may deny your request or ask for a seller contribution from you to mitigate the loss.

Seller contributions may be requested should the bank identify any of the following:

a.  Disposable income / the bank will likely try to get you to commit this income to offset their losses

b.  A history of refinancing / refinances that were used on what would be considered non-essential items – a boat, say – will encourage the bank to seek seller contributions

c.  State laws that allow for a deficiency judgment / in some states, the banks have the option to  sue the homeowner for damages due to the loss of profits on the home

 Back to Short Sale How-To…

 

 

 

Sonali’s Philosophy

I approach my real estate practice with a commitment to provide superior service. I have a passion for my chosen career and look forward to being your tenacious advocate for all your real estate needs.

Be assured that when you hire me, I will do an exceptional job for you. You can count on my honesty and trustworthiness, which for me is non-negotiable.

I look forward to working with you.

925-525-2569

sonali@sonalisells.com

Client Testimonials

"Sonali is a 1st class agent. My home sold the first day it went on the market. I was travelling out of town during this time and Sonali was exceptionally efficient in taking care of all the details regarding the sale of my house. She took care of all the details in a very professional and efficient manner. She was exceptionally thorough in her service."

- Barbara Usher

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