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Our Testimonials

“Thanks to you and your company. Your hard work and dedication had made it all possible to short sale 3 of my properties over a 6 month period! I was impressed how expeditiously you dealt with the mortgage companies and successfully negotiated the transactions. I appreciated your constant communication with me during the whole process and making me understand what was needed. You always responded to my questions and eased my concerns. You have earned my trust”

Amanda, Rancho Bernardo

“Hey Brian, thanks again for all of your help. I can’t even thank you enough for such a phenomenal performance. You were able to tackle EVERY issue (and there were many) with poise, confidence, and professionalism. Your short sale services are top notch and as good as they come.”

Daniel, Chula Vista

“Brian and his team (primarily Skip) helped me through a very difficult short sale. They located an all cash buyer and worked hard to negotiate a resolution with a very challenging lender. I’m very grateful for their expertise and diligence in making this sale happen. Thanks!”

Tyler, Seller

“Tremendous help throughout the ordeal of a short sale. Knows what he is doing and very responsive to any questions. Highly recommend to anyone.”

Dennis, Seller

“Did a short sale with a very difficult mortgage company, but his team got the job done. Good experience, good people, would use them again, and recommend to family and friends.”

Andrea, Seller

“Brian Ruhl’s team made my short sale seamless. They exceeded our expectations. We highly recommend Brian Ruhl and his team.”

Bill, Seller

“I owned a rental property which required a short sale. I had never been in this position before and it was intimidating to say the least. From the first conversation with Brian and later his associate, Skip Adams, their team helped me feel relaxed about the process, guided me through each step with courtesy and professionalism and never gave up. It took several months wrangling with the lender and finding the right buyer but Brian and Skip hung in there with me. I would recommend them for any transaction you may be considering. I feel as though they are my friends as well as real estate professionals.”

Kevin, Seller

What are the Benefits of a Short Sale?

We live in a world of difficult, unpredictable financial situations. You may start out on a high note, perhaps purchasing a home and enjoy the benefits of it. When a financial or significant life event occurs, however, you may be facing the possibility of foreclosure. This is a difficult situation that can impact you and your financial life for many years.

Sometimes, the best option that is available is to cut your losses and sell the home. If the home is worth less than the mortgage, however, you may be facing the possibility of making some hard choices. The one decision that many people in this situation make is a short sale. When you learn the benefits of a short sale, you may decide that it is the best choice for you as well. Here are a few of the benefits for your consideration:

Pricing – Why would your lender allow you to sell the home for less than what you owe them on the mortgage? It is because the lender is responsible for paying the foreclosure costs and the upkeep of the home while it is sitting vacant. It may be to their benefit to allow the short sale to go through, even if they lose a little money in the process. The alternative could be foreclosure and that is much more expensive to your lender. A huge benefit for homeowners in California is that there are state laws in place to protect them against having to pay the difference between what the property sells for and what was owed on the mortgage. In almost all cases it is forgiven by the bank.

Cooperation – This is a benefit for both the homeowner and the owner of the mortgage. Unfortunately, many former homeowners are not going to leave the property in good condition when it is in foreclosure. This results in a lot of extra expense for the lender, including repairs and even the possibility of the home being unlivable. On the other hand, allowing the short sale to go through likely results in the former homeowner taking good care of the property and leaving it in excellent condition.

No Costs and No Repairs: In most traditional sales there can be tens of thousands of dollars in real estate fees, closing costs, and repairs that need to be completed. These are the responsibility of the homeowner.  In a Short Sale, there are no costs associated with the sale and the property is sold as-is.

Cash Incentive to move: Moving can be one of the most stressful and expensive events that a homeowner can go through. Your bank knows this and most of them will offer a cash incentive at the closing of the short sale to help with move expenses. This amount can range from $3,000 to $30,000.

These are just a few of the benefits you may experience when short selling a property. It is important to note that you must work with a Realtor that understands the mortgage company closely. Not all Realtors know how to successfully work with banks to complete a short sale and it’s important to interview 2-3 Realtors to learn who has the most experience and can talk you through the process clearly.

Why Choose The Ruhl Team Short Sale Group?

The Ruhl Team Short Sale Group has over 50 years of Short Sale negotiation experience. We are the premier Riverside CA Short Sale Group and one of the only brokerages still specializing in Short Sales in Riverside, CA. With over 1000 successful short sales and counting, we have experience working with every major mortgage lender out there. Contact our CA Short Sale agency today to get the process started. Call us today for a free consultation!

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The Ruhl Team and Exp Realty of CA are not associated with the government or your lender.  Even if you accept this offer and use our service, your lender may not agree to change your loan or accept a short sale.  Total cost to you will be zero dollars. Your lender will pay for our services.  You can stop using our service a any time. It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer.  You may call your lender directly to ask for a change in your loan terms.  Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting

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