San Antonio Texas 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: San Antonio
• 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. [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Loan Service Name] [Loan Service Address] [City, State, ZIP Code] Subject: Short Sale Request for [Property Address] Dear [Loan Service Name], I hope this letter finds you well. I am writing to request your assistance with a short sale for the property located at [Property Address] in San Antonio, Texas. Due to unforeseen financial circumstances, I find myself unable to continue making mortgage payments and believe that a short sale would be the best solution for all parties involved. Firstly, I would like to provide you with a detailed overview of my current financial situation. As a resident of San Antonio, Texas, I have experienced significant financial hardships, including [briefly mention the main reasons contributing to your financial difficulties, such as job loss, medical expenses, or divorce]. Despite my persistent efforts to manage my finances responsibly and seek alternative solutions, I have reached a point where I am unable to sustain the mortgage on the aforementioned property. Understanding the potential impact a foreclosure could have on both my credit score and your institution, I firmly believe that a short sale offers a more favorable resolution. By accepting a short sale, both parties can minimize their losses, avoid the lengthy foreclosure process, and expedite the property's sale, thus benefiting the local real estate market in San Antonio. As I explore this option of a short sale, I aim to work collaboratively with your institution to ensure a smooth process. I have already taken the liberty of engaging a qualified real estate agent specializing in short sales who possesses extensive knowledge of the local San Antonio market. This agent will work diligently in marketing and obtaining the highest possible offer for the property. I am confident this approach will yield a fair market value and substantially decrease the potential loss your institution may face in the event of a foreclosure. To facilitate the short sale process, I have included the following documents as required by your institution: 1. Hardship letter: A detailed explanation of my financial difficulties and how they have impacted my ability to pay the mortgage. 2. Financial statements: Including bank statements, pay stubs, and tax returns, to provide a comprehensive picture of my current financial status. 3. Comparative market analysis (CMA): Provided by the real estate agent, this analysis will showcase the property's current market value in San Antonio. 4. Purchase offer: Once an interested buyer is identified, their purchase offer will be forwarded to your institution promptly for consideration. I kindly request that you review these documents expeditiously and provide me with the necessary guidelines and requirements to proceed with the short sale. I understand that this process involves negotiation, due diligence, and fulfilling necessary legal obligations. However, I believe that by working together, we can find a mutually beneficial resolution. I acknowledge my responsibility to cooperate fully and disclose any significant developments relevant to the short sale process promptly. Additionally, I assure you that all proceeds from the sale will be directed towards repaying the mortgage debt, as agreed upon by both parties. I genuinely appreciate your attention to this matter and look forward to a favorable response. If you require any additional information or documentation, please do not hesitate to contact me. I am available at [Your Phone Number] or via email at [Your Email Address]. Thank you for your understanding and cooperation during this challenging time. I trust that with your assistance, we can navigate through this process smoothly and find a successful resolution to the financial hardship I am facing. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP Code] [Date] [Loan Service Name] [Loan Service Address] [City, State, ZIP Code] Subject: Short Sale Request for [Property Address] Dear [Loan Service Name], I hope this letter finds you well. I am writing to request your assistance with a short sale for the property located at [Property Address] in San Antonio, Texas. Due to unforeseen financial circumstances, I find myself unable to continue making mortgage payments and believe that a short sale would be the best solution for all parties involved. Firstly, I would like to provide you with a detailed overview of my current financial situation. As a resident of San Antonio, Texas, I have experienced significant financial hardships, including [briefly mention the main reasons contributing to your financial difficulties, such as job loss, medical expenses, or divorce]. Despite my persistent efforts to manage my finances responsibly and seek alternative solutions, I have reached a point where I am unable to sustain the mortgage on the aforementioned property. Understanding the potential impact a foreclosure could have on both my credit score and your institution, I firmly believe that a short sale offers a more favorable resolution. By accepting a short sale, both parties can minimize their losses, avoid the lengthy foreclosure process, and expedite the property's sale, thus benefiting the local real estate market in San Antonio. As I explore this option of a short sale, I aim to work collaboratively with your institution to ensure a smooth process. I have already taken the liberty of engaging a qualified real estate agent specializing in short sales who possesses extensive knowledge of the local San Antonio market. This agent will work diligently in marketing and obtaining the highest possible offer for the property. I am confident this approach will yield a fair market value and substantially decrease the potential loss your institution may face in the event of a foreclosure. To facilitate the short sale process, I have included the following documents as required by your institution: 1. Hardship letter: A detailed explanation of my financial difficulties and how they have impacted my ability to pay the mortgage. 2. Financial statements: Including bank statements, pay stubs, and tax returns, to provide a comprehensive picture of my current financial status. 3. Comparative market analysis (CMA): Provided by the real estate agent, this analysis will showcase the property's current market value in San Antonio. 4. Purchase offer: Once an interested buyer is identified, their purchase offer will be forwarded to your institution promptly for consideration. I kindly request that you review these documents expeditiously and provide me with the necessary guidelines and requirements to proceed with the short sale. I understand that this process involves negotiation, due diligence, and fulfilling necessary legal obligations. However, I believe that by working together, we can find a mutually beneficial resolution. I acknowledge my responsibility to cooperate fully and disclose any significant developments relevant to the short sale process promptly. Additionally, I assure you that all proceeds from the sale will be directed towards repaying the mortgage debt, as agreed upon by both parties. I genuinely appreciate your attention to this matter and look forward to a favorable response. If you require any additional information or documentation, please do not hesitate to contact me. I am available at [Your Phone Number] or via email at [Your Email Address]. Thank you for your understanding and cooperation during this challenging time. I trust that with your assistance, we can navigate through this process smoothly and find a successful resolution to the financial hardship I am facing. Sincerely, [Your Name]

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.