The Jacksonville Short Sale Process

Your Jacksonville Short Sale Specialist Realtor

My name is Barbara Cockrell, and I am a lifetime area resident and local Realtor. Over the years that I have gained knowledge and experience in handling short sales in Jacksonville and Northeast Florida. I understand this is a stressful time in your life and am here to help make the short sale process as stress free and as easy on you as possible. With myself and my team of experts by your side, I am confident that we will be able to get your home approved for a short sale and sold quickly, and help you get you through this difficult season of your life in a timely manor. I will arm you with all the information you need before the sale, guide you through the process of the sale, and be here for you even after the sale. The best part about a short sale is that there is usually no expense in any way to you as a homeowner, as all traditional closing costs are typically covered by your lender.  This is a personal matter, and requires personal attention. Please contact me personally to talk about your situation in detail and how I may be able to serve you.  Below are the basic steps of the Jacksonville short sale process.

Steps to a Jacksonville Short Sale

Step 1First, Contact me or call me personally at 904-210-5117 to talk about your current situation and I will immediately determine whether or not you may qualify for a Jacksonville fl short sale. If it seems as if you have all of the qualifications, I will provide you with the documents you will need to fill out and submit to your lender in order to be approved to short sale your home. This includes examples of actual hardship letters you can use as a guide to write your own.

Step 2: I will then come to your property and assess its value.  A lender will typically accept close to the current market value of a property in a short sale. The property will then be listed for sale and aggressively marketed to bring forth a quick sale.

Step 3: Once an offer is received on the home, I will submit it along with all required documents to your lender. This starts the negotiating process which at times can be lengthy. The good news is, banks are getting much quicker at replying to an offer!

Step 4: Your lender can then choose to accept, deny or counter the offer made on your home. If accepted, a closing date will be set.  After approval, the buyer will start the traditional process of getting a loan, which will take usually 4-6 weeks. This is the time that you will have to move out and find another place if you are still living in the property.  Our average time from listing to closing is 3-4 months, and we have a success rate of around 90%.

Step 5: Closing. Remember, your lender will pay all of your closing costs, including my commission. Also, I will work with your lender to ensure you are fully forgiven from any deficiency that may remain after the sale. Now you can move on with your life, debt free! Congratulations!

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Barbara is a Realtor at One Realty Corp, covering the greater Northeast Florida area including Jacksonville, Ponte Vedra, Jacksonville Beaches, St. Augustine, Orange Park and Green Cove Springs. I work Jacksonville FL short sales as well as short sales.
Phone: 904-210-5117
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Helping Jacksonville Florida home owners avoid foreclosure with a short sale.
I specialize in short sales in Jacksonville, St. Augustine, Ponte Vedra, Jacksonville Beaches, Orange Park and Green Cove Springs and I am your Jacksonville Short Sale Specialist Realtor and distressed property expert. My job is to guide you through this process and help you get a fresh start. With the right short sale broker, you can avoid Jacksonville foreclosure of your home. I am also a Jacksonville new construction home specialist, and will help you rebuild after a short sale and be eligible to purchase a new home in no time. Short sales are difficult and should only be handled by agents with experience. This article and content is for general informational purposes and may not be accurate. This should not be taken as legal advice, technical or tax advice under any circumstance. Seek legal advise and representation in all legal matters.