Short sale guide
Will my lender approve a short sale?
Lender approval depends on your hardship, the completeness of your file, and the strength of the offer. It is not automatic — but it's also not a coin flip.
What lenders look for
- A documented, ongoing hardship
- A market-priced listing supported by comparable sales
- A qualified buyer with financing in place
- A complete, well-organized hardship package
- A clear paper trail of attempts to resolve the situation
What you can do to improve your odds
Start early, be honest in your hardship letter, respond quickly to document requests, and work with an agent who has done this many times before. Kim's experience with lender processes in this market is one of the biggest factors in approval.
Next step
Get a free review of your situation
Kim's team will read your submission personally and reach out within one business day.