Short Sale Help - Short Sale Your Home - Show Low AZ, Pinetop AZ, Lakeside AZ Arizona, Arizona Short Sales Agents, Brokers
Bruce & Pam Wachter - 
  Your White Mountains Realtors - Buy, sell White Mountains Arizona Real Estate - 
  Show Low, Pinetop-Lakeside Cabins, Homes, Land

Bruce & Pam Wachter, REALTORS
  928-521-1713     928-205-9115

SHORT SALE HELP NOW! Show Low AZ - Pinetop AZ - Lakeside AZ Short Sale Realtors - Bruce & Pam Wachter have the experience knowledge, and determination to get your Short Sale done!  Call us for White Mountains Arizona Short Sale Help!

Or scroll down and fill out the form below
Why You Should Consider a Short Sale

We List & Sell Short Sales in Show Low Arizona, Lakeside Arizona, Pinetop Arizona - White Mountains AZ Short Sale Agents/Realtors

"Upside Down" or Can't Make Your Payments? WE CAN HELP!

Would you be surprised to know that 1 out of 3 homeowners in Arizona owe more than their home is worth? Many can no longer make their payments in this tough economic times. Are you part of those statistics? Do you own a vacation, second home or investment property in Show Low, Pinetop, Lakeside or anywhere in the White Mountains of Arizona and are facing potential foreclosure? It may be time for you to list your home in an Arizona Short Sale. Call us or EMAIL US - OR FILL OUT THE CONTACT FORM AT THE BOTTOM OF THIS PAGE

We can help you avoid the embarrasment and negative impact of foreclosure, or considering bankruptcy. Depending on your particular situation and hardship circumstances, you may be eligible for an Arizona Short Sale, and we can help you accomplish that. STOP FORECLOSURE NOW!

At its best, an Arizona short sale can be a win-win for both parties. For the seller, a short sale provides the opportunity to avoid foreclosure and the unpleasant implications a foreclosure brings, in addition to being able to return to home ownership sooner. The lender gets most of the value of the loan sooner and avoids additional legal or carrying costs while the foreclosure process plays out.

The decision to do a short sale or foreclosure also affects your credit score. A short sale is not a derogatory mark on your credit because credit bureaus do not show the word "short sale" on your credit report. It may say "pay as agreed" or "paid as less than agreed. Some sellers have reported negative FICO Score drops from 50 points to 130 points. In the case of foreclosure, sources have reported FICO score drops from 200 to 400 points. Generally this credit score will remain on your credit report as a public record for 10 years.

In summary, the short sale will typically leave you in a better situation financially.  If you are eligible, it is definitely a path worth considering. Please call us to talk about your specific situation-- we're ready to help.

Short Sales Explained

A short sale can be an wonderful solution for homeowners who need to sell because they are facing possible foreclosure, and also for those owe more on their homes than they are worth. In the past, it was rare for a bank or lender to accept a short sale. Today, however, due to never-seen-before housing market changes, banks and lenders have become much more open to seriously consider and approve these transactions. Recent changes in banking and lender policies and government oversight and incentives have also improved the chances of getting a short sale approved.

Simply put, the definition of "short sale" is:

  • A homeowner is 'short' when the amount owed on his/her property is higher than current market value. Sometimes commonly referred to as "upside down".
  • A short sale occurs when a negotiation is entered into with the homeowner's lender (or lenders) to accept less than the full payoff amount of the loan at closing. A buyer closes on the property, and the property is then 'sold short' of the total value of the mortgage.

For homeowners to qualify for a short sale, they must fall into any or all of the following circumstances:

  • Financial Hardship – There is a situation causing you to have extreme difficulty affording your mortgage.
  • Monthly Income Shortfall – In other words: "You have more month than money." A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
  • Insolvency – The lender will want to see that you do not have suffficient liquid assets that would allow you to pay down your mortgage.

How We Can Help

While the definition and application appear simple and straightforward, the actual process is not. A short sale requires expertise, exceptional market knowledge and a high degree of professionalism required to successfully negotiate a short sale. Both Pam and Bruce bring that to the table. In fact, Pam holds the National Association of Realtors (NAR) SFR designation - certified Short Sale & Foreclosure Resource.

If feel you may qualify for an Arizona short sale, please contact us for a free and confidential consultation. Stopping a foreclosure is no small matter. If your Show Low Arizoma, Pinetop Arizona, Lakeside Arizona home is threatened by foreclosure, you must act quickly! Don't delay! Please call us today to begin your Arizona Short Sale. OR EMAIL US

IMPORTANT NOTICE: WEST USA REALTY is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit rating.
Please be sure to give us your full contact information!

Be assured.... Your information stays with us!
View Our Privacy Policy Here
Type of Property:
Site Built Manufactured Land
Mortgage Holder (Lender) Name:
Your Name
Address of Property
City or Town State Zip
Home Phone (Required)
Work Phone (Optional)-If better to contact, please fill out
E-mail (Required)

Please feel free to ask questions here or add any other information about your situation.

For Your Security and to Stop "SpamBots", please enter the following security code: 1234  in the box below and click on "Send"

  Security Code:


Stop Foreclosure Now - Short Sale Agents - Sell a Show Low AZ Short Sale - Sell a Pinetop AZ Short Sale - Sell a Lakeside AZ Short Sale - Sell a Show Low AZ Torreon Short Sale - White Mountains Arizona Short Sale Realtors - Short Sale Help - List a Short Sale - Pinetop AZ Arizona Short Sales - Show Low AZ Arizona Short Sales - Lakeside AZ Arizona Short Sales - Short Sale & Foreclosure Resource - Arizona Short Sales Realtors - Arizona Short Sale Agents Specialists - Arizona Short Sale Help - White Mountains Arizona Short Sale Agents - Avoid Foreclosure with an Arizona AZ Short Sale