Arizona Short Sale Help by Lender
Every lender runs short sales a little differently — different paperwork requirements, timelines, and approval quirks. Pick yours below for specifics on how I'll handle your file.
Wells Fargo
Wells Fargo is one of the largest mortgage servicers in Arizona and one of the most process-driven. Files that move are files that arrive complete on day one — incomplete packages get cycled back to the bottom of the queue.
Bank of America
Bank of America runs one of the more responsive large-servicer short sale programs in the country, and Arizona files generally move on the faster end of the industry once complete.
Chase
Chase services a deep book of conventional and FHA loans across Arizona. Their short sale operation is solid but documentation-heavy — files with any inconsistency tend to bounce back.
Rocket Mortgage
Rocket Mortgage (formerly Quicken Loans) services a fast-growing share of recent-origination Arizona mortgages. Their digital-first model is great for clean files and frustrating for anything unusual.
Mr. Cooper
Mr. Cooper (formerly Nationstar) services one of the largest portfolios in the country, including loans transferred from many other originators. Their short sale process is industrial-scale — predictable when you know how to feed it.
PennyMac
PennyMac is one of the country's largest non-bank mortgage servicers and a major holder of Ginnie Mae (FHA, VA, USDA) loans. Their short sale process is firmly investor-driven.
Freedom Mortgage
Freedom Mortgage is one of the largest VA loan servicers in the country and a major FHA servicer. If you have a VA or FHA loan in Arizona, there's a real chance Freedom Mortgage is your servicer.
NewRez / Shellpoint
NewRez (originator) and Shellpoint (servicer) operate as related entities under the same parent company. Many NewRez-originated loans transfer to Shellpoint for servicing, so your short sale paperwork may carry both names.
Don't see your lender?
I work with every major mortgage servicer in Arizona — including smaller and portfolio lenders not listed here. Reach out and tell me who's on your mortgage statement. I'll walk you through what to expect.
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