KETTERLING GROUP

Minnesota Short Sale Experts

Keep Foreclosure Off Your Credit!

Save your Credit! Sell fast even if you have no equity.*

Eliminate the entire debt forever.*

NO IRS ordinary income tax on shortfall.*

No one else can promise you all that.

How we are Better than other realtors?

1. If we can't get your short sale approved to save your credit, No One could save your credit. We are Short Sale Experts. They're over 50% of our business. We have a top notch team of Short Sale Experts ready to negotiate your Short Sale. We get the bank to say yes to your Short Sale when others get no. We work hard to keep the "F" word off your credit report.

2. We look out for YOU first. Some Realtors will Short Sale your home to earn a commission not knowing or caring what the end results are to you. Others realtors will ignorantly tell you foreclosure is best for you when you should definitely do a Short Sale to help save your credit.

What is a Short Sale?

In a normal sale, if a home is worth less than the loan balance against it, the owner has to bring a check to closing. A Short Sale is when a lender allows the sale of the home for less than the amount the lender is owed so the transfer can close without the owner paying the difference.

Why would a lender accept a short sale?

If a lender rejects the Short Sale, they will wait 6 months to get the property back after te Sheriff sale. Then they will pay an attorney to evict you which will take 30-60 days. Then your property gets listed with a Realtor and they wait several more months till the property gets an offer and closes. During these months the lender has received no payments and the market has likely dropped further. Also, Federal banking rules require lenders to hold a certain amount of cash on hand for each non-performing asset (your home). The more cash on hand, the less they can loan, which lowers their profits. This is why lenders are ECSTATIC when we bring them a Short Sale.

It's a Great Time to Rent

You can probably rent a similar home for about 1/2 to 2/3 or your current house payment. What will you do with this extra money? What can you do for your family? Maybe a vacation and savings for a new home.

Act now

A foreclosure will severely damage your credit for up to 7 years or longer. To keep a foreclosure off your credit, contact us immediately so we have time to find a buyer and get the sale closed before the foreclosure. If you haven't found a way to save your home by the time the Notice of Default has been recorded, you probably won't, so call us right away