Behind on your Arizona mortgage? You have more options than you think.
If the payments have gotten ahead of you, you are not out of choices, and you are not alone. There is a calm, legal way through this, and it often costs you little or nothing.
Read on at your own pace, or talk to Ryan whenever you are ready.
Foreclosure is one door. It is not the only one.
A notice of default can feel like the end of the story. In Arizona, it usually is not. A bank-approved short sale lets you sell the home for less than what is owed, with your lender's agreement, so you step away on your terms instead of the bank's.
Foreclosure is the path most people fear. The short sale is the path most people do not know they have.
What a short sale actually is, in three steps.
A plain path, handled for you. No forms to prepare before the first call.
We review where you stand
A short, private conversation about your loan, your timeline, and what you owe. Nothing to prepare, and nothing shared without your say so.
We bring the offer to your lender
Ryan lists the home, finds a qualified buyer, and negotiates directly with your bank for approval of the short payoff. You are kept in the loop at every step.
You close, and move forward
When the lender approves, you sell and walk away. In many approved short sales the seller pays little or nothing at closing, which helps protect your credit and your next chapter.
Educational information only. Not legal, tax, or financial advice.
Why homeowners call Ryan first.
- Arizona short sale specialist
- A licensed REALTOR who does this work every week. AZ License #SA584392000.
- A bank-approved process
- Ryan negotiates the short payoff directly with your lender, so the sale is approved before you close.
- Often little to no cost to you
- In many approved short sales the seller pays nothing at closing. Ryan will tell you plainly what to expect in your case.
- Confidential from the first call
- Your situation stays between you and Ryan. No pressure, and no obligation to move forward.
- Keller Williams Realty Phoenix
- Serving the Phoenix Metro area and Pinal County, from Scottsdale and Mesa to Queen Creek and Casa Grande.
You do not have to wait until the notice is on the door.
The earlier we start, the more options you keep. A short, confidential call today can change how this ends.
When you are ready, talk to Ryan. The call is free, confidential, and there is no obligation.
Ryan Melville, REALTOR® · AZ License #SA584392000 · Keller Williams Realty Phoenix · 2077 E. Warner Rd., Ste. 110, Tempe, AZ 85284
Equal Housing Opportunity. Each Keller Williams® office is independently owned and operated. A short sale is subject to your lender's approval and your individual circumstances. Nothing on this page is a guarantee of any particular result. Educational information only, not legal, tax, or financial advice.