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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

The Benefits Of A Short Sale

A short sale is a unique arrangement that homeowners who are behind on their mortgage payments can make with their bank. In essence, the bank agrees to allow the seller to sell the home for less than the total amount that they owe on their mortgage. Although there are some drawbacks to this arrangement, there are many benefits, as well. Not only do these benefits affect both the buyer and the seller of the home but they also can positively impact the lender.

House

The primary purpose of a short sale is to help homeowners move on from a bad loan without having to go through a costly foreclosure. Not only are they responsible for paying any administrative and legal fees associated with the foreclosure process but they also may need to pay to evict the current homeowners from their home.

Even after the house is empty, they still are not off the hook. They need to repair the property and put it up for sale to try to recover as much money as possible to help pay off the defaulted mortgage.

A foreclosure can also negatively impact homeowners. Having a foreclosure on their credit report can keep them from being able to borrow money far into the future. It can also make it extremely difficult to find a place to live after they move out or are evicted from their current home.

Short sales help resolve all of these issues. From a lender’s perspective, a short sale allows them to recoup most of the money that they are owed without having to deal with the hassle and expense of a foreclosure.

From a homeowner’s perspective, a short sale is a much better option than going through foreclosure since it helps them avoid having a black mark on their credit report. This can make it much faster and easier to get back on track with their finances, improving the chances that they will be able to repurchase another home in the future. Other benefits include potential for a $3,000 to $30,000 cash incentive for moving, staying in the home during the process, not having to pay the banks back on the shortage, and much more.

From a buyer’s perspective, short sales are also a great option. Typically, homes that are sold this way are priced exceptionally competitively – often at or below their fair market value.

Unlike purchasing a foreclosed property, there are also fewer hassles to deal with. For instance, sometimes when buyers purchase properties after a foreclosure, the family is still living in the house. In those situations, the buyer is responsible for evicting the family from their home. Not only can this be uncomfortable to do but it can also be expensive.

With short sales, those problems generally disappear. Because the homeowners are actively trying to sell their home, they most likely will leave of their own accord without the need to evict them. Additionally, these transactions can usually close more quickly than transactions involving foreclosed homes, meaning that buyers can take possession of the house much sooner.

Hopefully, this gives you a better idea of the benefits of a short sale. Although short sales do have some drawbacks, they are an excellent alternative to going through a foreclosure. Not only can they keep homeowners from winding up with a foreclosure on their credit report but they can also help lenders recoup more of their money. As a bonus, they provide an opportunity for buyers to get a great deal on a home.

Why ChooseThe Ruhl Team Short Sale Group?

The Ruhl Team Short Sale Group has over 50 years of short sale negotiation experience and loan modification. We are the premier San Diego Short Sale Group and one of the only brokerages still specializing in short sales in San Diego. With over 1000 successful short sales and counting, we have experience working with every major mortgage lender out there. Contact our San Diego short sale experts 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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