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Sonoma County

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Items Needed For Approved Short Sales

Short Sale Proposal Packet Checklist
Include the loan number on the header of every page in the proposal checklist.
Title page
Executive summary that highlights the financial benefits to the lender for accepting the short sale
Table of contents
Written authorization from the homeowner for the Realtor to speak on his or her
behalf
Lender’s short sale application
Listing agreement
Buyer’s contract
Estimated HUD-1
Information about any other liens on the home
Short sale disclosure signed by the seller and the buyer
Hardship letter. Note: The hardship letter must be written by the homeowner
Supporting documentation for the hardship, including financial documentation
Recent Comparative Market Analysis (CMA)
Documentation of any damage to the home and estimates for repairs
Detailed request for the short sale
Cost-benefit analysis that details the financial benefits to the lender of accepting the short sale
All relevant phone numbers and contact information

Compile the following information when creating a short sale proposal packet.

Financial Information
Three most recent bank statements for all checking accounts for all borrowers
Three most recent bank statements for all savings accounts for all borrowers
W2s from the past two years for all borrowers
Income tax returns from the past two years for all borrowers
Past three paycheck stubs for all borrowers
Copies of all bills for all borrowers from the past two months. Will be used to
compile a financial worksheet. Could include:
Automobile loans
Alimony/child support
Child care bills
All credit card bills
Electricity bills
Gas bills
Water/Sewage bills
Home telephone bills
Cell phone bills
Cable bills
Automobile insurance
Health insurance
Life insurance
Doctor bills
Dentist bills
Pharmaceutical drug bills
Food/Groceries
School lunches
Gasoline (auto)
Student loans
Other loans
Other bills


The successful short sale in Sonoma County allows you to avoid foreclosure and minimize your negative consequences, one of which may be the satisfaction of the deficiency created by the short sale.

 

 Call for a personal and confidential analysis,

Sincerely,

Santa Rosa Realtor

Craig Bassignani
REALTOR Lic # 01428827
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Craig Bassignani

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