David & Kim Norberg - El Cajon Realtor
David & Kim Norberg in El Cajon serving all of San Diego County

San Diego Short Sale Experts!

The Norberg Group Serving All Of San Diego's Short Sale Needs.


SEE San Diego Short Sale Form Below To Get More Information!

Short Sale vs. Foreclosure?


The truth is it is almost always going to depend on your circumstances. The best option for your credit is to hang on to your home; however doing that can make the rest of your life unbearable. If you talk to mortgage professionals around the nation most will agree that short sales are better than foreclosures. Here in California it is no different.

When it comes down to it there are several reasons to consider a short sale. First you can do a short sale before you fall behind in your payments. In this case your credit will look significantly better than if you let it go to foreclosure. A short sale will mean you can buy another home sooner. In some cases buying another house may be an option immediately, however if you have late payments you could have to wait two years in order to fit into the guidelines of most lenders. When it comes down to foreclosures you will be able to buy again but the wait may be up to five years, and could have serious conditions attached to the loan.

Regardless of your choice, short sale or foreclosure, you will have to deal with a lot of red tape and your stress level may go up a notch or two. Nevertheless if you have a real estate professional who is skilled with short sales you can negotiate with the lender terms of the short sale. With a foreclosure you will have few options as foreclosure is repossession, where a short sale is an actual sale which the home owner is in control. As for tax liability if the property is a primary residence the federal government has in place mortgage debt relief which will shelter most California residents from liability.

If you are in a situation where you are considering these options finding a real estate professional that is qualified to handle short sales, with a proven track record, is a must. They will know the local, state, and federal laws. The bottom line is a short sale is a sale where you negotiate paying less than what is owed for your home in order to sell the property; a foreclosure is where the lender takes possession of the house. The short sale won’t be easy it takes a considerable amount of time and patience, but in the end you are in control and will have say in your future and that is always a better alternative.


Give us a call and let us help you through the process, we work with these banks every day and are experienced in short sales, you can always reach us at 619-593-4314.


David and Kim Norberg

Keller Williams Realty


San Diego Short Sale Experts | San Diego Short Sales | San Diego Short Sale REALTOR

Please take the time necessary to make the correct decision when facing a San Diego Foreclosure. The best choice is to work with a San Diego Short Sale Expert, and have them walk you through the Short Sale process. If you are considering a Short Sale and you live in any of the cities below, please contact us by filling out the form above.

4S Ranch Short Sale          Mira Mesa Short Sale          Alpine Short Sale       Mission Bay Short Sale
Allied Gardens Short Sale          Mission Beach Short Sale          Bay Park Short Sale          Mission Hills Short Sale
Blossom Valley Short Sale          Mission Valley Short Sale          Bonita Short Sale          North Park Short Sale
Cardiff Short Sale          Ocean Beach Short Sale          Carlsbad Short Sale          Oceanside Short Sale
Carmel Mountain Short Sale          Pacific Beach Short Sale          Carmel Valley Short Sale          
Point Loma Short Sale          Chula Vista Short Sale          Poway Short Sale         
Clairemont Short Sale          Ramona Short Sale          Coronado Short Sale         
Rancho Bernardo Short Sale          Rancho Penasquitos Short Sale          Del Cerro Short Sale
Rancho Santa Fe Short Sale          Del Mar Short Sale          San Carlos Short Sale
Downtown Short Sale          San Elijo Hills Short Sale          East Lake Short Sale
San Marcos Short Sales          El Cajon Short Sale          Santaluz Short Sale          Encinitas Short Sale
Santee Shorts Sales          Escondido Short Sales          Scripps Ranch Short Sale          Golden Hill Short Sale
Solana Beach Short Sale          Hillcrest Short Sale          Sorrento Mesa Short Sell
Imperial Beach Short Sale          South Park Short Sale          Kensington Short Sale          Spring Valley Short Sale
La Jolla Short Sale          Talmadge Short Sale          La Costa Short Sale          Tierrasanta Short Sale
La Mesa Short Sale          UTC Short Sale            

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