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At Team Kristen Schramme we specialize in helping people and families with short sale selling. Whether you find yourself in a new job, relocating to another city, going through divorce and separation or maybe you are facing foreclosure; regardless of the situation we understand that this is a stressful period. We have your safe way out! Short sales take time and you may need to sale your home fast.
Below are the top reasons you should consider performing a short sell with Team Kristen Schramme.
1. Avoid foreclosure stigma- There is no “seven year limit” on a home foreclosure. You can’t hide this situation during any future mortgage application and must disclose this during credit inquiries.
2. Protect your credit score- On average with a foreclosure you should expect your credit score to drop by 300 plus points. This will devastate any future of current credit applications you have at the time. A short sale will only impact your credit score by half as much.
3. Government insured loans are more likely- By having your home foreclosed on will certainly prevent you from obtaining any government insured loan for 5-7 years but in a short sale you will shorten this period to only two years. A foreclosure is one credit report item that is nearly impossible to repair.
4. Protect employment opportunities- Today many companies run credit checks on potential employees as a way to find the most responsible workers. Foreclosure can be a quick red flag that prevents you from getting hired. Prevent putting your job search in jeopardy by initiating a short sale selling.