Phoenix Arizona Ejemplo de carta de solicitud de venta corta al prestamista - Sample Letter for Short Sale Request to Lender

• Category: Bienes Raíces - Ejecución Hipotecaria - Desalojo - California
• State: Multi-State
• City: Phoenix
• Control #: US-FORECL-08
• Format: Word

Description

This is a sample letter that may be sent to a lender to prevent foreclosure by requesting their agreement to a short sale. The letter may be customized to suit your needs. Title: A Guide to Writing a Comprehensive Phoenix, Arizona Sample Letter for Short Sale Request to Lender Introduction: When facing financial difficulties and the risk of foreclosure in Phoenix, Arizona, homeowners sometimes consider a short sale as a viable option. To initiate this process, it's crucial to submit a well-crafted letter to your lender, effectively explaining your circumstances and making a persuasive case for a short sale approval. In this article, we will outline the essential components of a short sale request letter and provide examples of different types for specific situations. Paragraph 1: Addressing the Lender and Introducing the Purpose Begin your letter by formally addressing the lender and introducing yourself as the homeowner seeking a short sale. Clearly state the objective of your letter and express your intent to negotiate a mutually beneficial solution. Paragraph 2: Provide an In-depth Explanation of Financial Hardship In this section, detail the specific reasons for your financial hardship that led you to seek a short sale. Mention any unforeseen circumstances such as job loss, reduction in income, medical expenses, divorce, or relocation. Offer supporting documentation, such as pay stubs, tax returns, medical invoices, or divorce decree, to substantiate your claims. Paragraph 3: Describe Market Conditions in Phoenix, Arizona Highlight the current real estate market conditions in Phoenix, Arizona, indicating declining property values, high foreclosure rates, and increased market inventory. This information will help emphasize the challenges you face in selling your property at a price adequate to cover your outstanding mortgage balance. Paragraph 4: Outline Your Efforts in Attempting to Sell the Property Demonstrate to the lender that you have made genuine efforts to sell the property but with limited success. Mention details about the property's listing period, the number of showings, offers received (if any), and the difficulty in finding qualified buyers. Include the contact information of your real estate agent and encourage the lender to communicate with them for further verification. Paragraph 5: Present a Comparative Market Analysis (CMA) Include a comprehensive comparative market analysis (CMA) prepared by a licensed real estate professional. The CMA should provide a thorough analysis of similar homes in your area, showing the decline in property values and the disparity between your mortgage balance and the current market values. Paragraph 6: Short Sale Proposal Present a clear and concise short sale proposal to the lender. Include the proposed sale price, anticipated closing costs, and any other relevant terms, such as the requirement for full or partial release of deficiency. Mention your willingness to contribute any available funds towards closing costs or provide essential repairs if necessary. Conclusion: In conclusion, stress the importance of considering a short sale as the most viable option for both you as the homeowner and the lender to avoid foreclosure. Express your hope for the lender's understanding and cooperation, requesting a timely reply to expedite the process. Types of Phoenix, Arizona Sample Letter for Short Sale Request to Lender: 1. Sample Letter for Short Sale Request Due to Unemployment 2. Sample Letter for Short Sale Request Due to Divorce 3. Sample Letter for Short Sale Request Due to Medical Emergency 4. Sample Letter for Short Sale Request Due to Relocation 5. Sample Letter for Short Sale Request Due to Financial Hardship 6. Sample Letter for Short Sale Request Due to Adjustable Rate Mortgage Reset Remember to personalize these sample letters to reflect your specific circumstances and adjust them accordingly to best suit your needs.

Title: A Guide to Writing a Comprehensive Phoenix, Arizona Sample Letter for Short Sale Request to Lender Introduction: When facing financial difficulties and the risk of foreclosure in Phoenix, Arizona, homeowners sometimes consider a short sale as a viable option. To initiate this process, it's crucial to submit a well-crafted letter to your lender, effectively explaining your circumstances and making a persuasive case for a short sale approval. In this article, we will outline the essential components of a short sale request letter and provide examples of different types for specific situations. Paragraph 1: Addressing the Lender and Introducing the Purpose Begin your letter by formally addressing the lender and introducing yourself as the homeowner seeking a short sale. Clearly state the objective of your letter and express your intent to negotiate a mutually beneficial solution. Paragraph 2: Provide an In-depth Explanation of Financial Hardship In this section, detail the specific reasons for your financial hardship that led you to seek a short sale. Mention any unforeseen circumstances such as job loss, reduction in income, medical expenses, divorce, or relocation. Offer supporting documentation, such as pay stubs, tax returns, medical invoices, or divorce decree, to substantiate your claims. Paragraph 3: Describe Market Conditions in Phoenix, Arizona Highlight the current real estate market conditions in Phoenix, Arizona, indicating declining property values, high foreclosure rates, and increased market inventory. This information will help emphasize the challenges you face in selling your property at a price adequate to cover your outstanding mortgage balance. Paragraph 4: Outline Your Efforts in Attempting to Sell the Property Demonstrate to the lender that you have made genuine efforts to sell the property but with limited success. Mention details about the property's listing period, the number of showings, offers received (if any), and the difficulty in finding qualified buyers. Include the contact information of your real estate agent and encourage the lender to communicate with them for further verification. Paragraph 5: Present a Comparative Market Analysis (CMA) Include a comprehensive comparative market analysis (CMA) prepared by a licensed real estate professional. The CMA should provide a thorough analysis of similar homes in your area, showing the decline in property values and the disparity between your mortgage balance and the current market values. Paragraph 6: Short Sale Proposal Present a clear and concise short sale proposal to the lender. Include the proposed sale price, anticipated closing costs, and any other relevant terms, such as the requirement for full or partial release of deficiency. Mention your willingness to contribute any available funds towards closing costs or provide essential repairs if necessary. Conclusion: In conclusion, stress the importance of considering a short sale as the most viable option for both you as the homeowner and the lender to avoid foreclosure. Express your hope for the lender's understanding and cooperation, requesting a timely reply to expedite the process. Types of Phoenix, Arizona Sample Letter for Short Sale Request to Lender: 1. Sample Letter for Short Sale Request Due to Unemployment 2. Sample Letter for Short Sale Request Due to Divorce 3. Sample Letter for Short Sale Request Due to Medical Emergency 4. Sample Letter for Short Sale Request Due to Relocation 5. Sample Letter for Short Sale Request Due to Financial Hardship 6. Sample Letter for Short Sale Request Due to Adjustable Rate Mortgage Reset Remember to personalize these sample letters to reflect your specific circumstances and adjust them accordingly to best suit your needs.

Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.