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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

Benefits Of A Short Sale

Foreclosure is something that no homeowner ever wants to think about facing, but it is something that can happen. If you are faced with foreclosure, an increasing mortgage rate, a bad loan, or another hardship, you need to know about a short sale. Many benefits come with a short sale, and you need to know what they are to understand how this type of mortgage solution can help you.

Protecting Your Credit

Your mortgage lender would rather recover a portion of the loan you have than absorb the complete loss. This is why they will often settle for a short sale. This allows both you and the lender to end up in a better position at the end of the process. When you take the short sale option, you will not have as much damage to your credit report.

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One concern that many homeowners have with a short sale is the lender suing for a deficiency judgment. This is when the lender looks to recover the difference between the loan amount and the amount they receive. This will appear on your credit report and could have a negative impact, in the same manner as a complete foreclosure. Good news is that in California banks will forgive the remaining balance after a short sale.  (CA Civil Code 580e enacted by CA Senate Bills 931 & 458)

Saves You Money

The foreclosure process will typically take 4 months once a Notice of Default is placed on your property. If you decide to pursue a Short Sale it will often times stop the foreclosure in its tracks and keep you in your home for an additional 6-8 months to complete the Short Sale process. If you’re not paying your mortgage during this time period that can save you thousands of dollars.

Often times a homeowner will qualify for a moving incentive at closing of the Short Sale. This can range anywhere from $3,000 to $30,000 depending on the lender that services the loan. Moving is expensive and a cash moving incentive of this size can save you a lot of money and headaches.

You Have More Control

The foreclosure process can be arduous and stressful for any homeowner. Your mailbox will start to fill up with confusing documents and demand letters. There will also be the constant exchange with the lender’s legal team. This all takes the control away from you, and this will add more stress to the process.

When it comes to a short sale, there will be negotiations, paperwork, and meetings that you will be involved in and partially in control. This process is more similar to a traditional home sale instead of the foreclosure process. While any real estate sale can be stressful, you will not have the added stress of everything being out of your control.

Some benefits come from a short sale that you need to know about. Understanding the benefits will help you when you are faced with foreclosure because you will be able to determine if a short sale is the right option for you. A short sale will generally be accepted by your mortgage lender because it is good for them as well.

Why ChooseThe Ruhl Team Short Sale Group?

The Ruhl Team Short Sale Group has over 50 years of Short Sale negotiation experience. We are the premier San Bernardino Short Sale Group and one of the only brokerages still specializing in Short Sales in San Bernardino, 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!

Contact Our Award Winning Sales Team

How Can We Help You

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 www.hud.gov

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