Introduction Into Our Services

If you are experiencing one or more of the following hardships, we may be able to help:

• Behind on your mortgage payments?
• Not late but struggling to keep up with your house payments? 
• Facing foreclosure? Being turned down for a loan modification? 
• Turned down for a refinance? 
• Loss of or reduction in employment? 
• Loss of or reduction in equity? 
• Severely upside down on your mortgage? 
• Need to have a short sale negotiated?

Remedies may include, but are not limited, to the following:

Endeavoring to stop bank auction of your property within days prior to the foreclosure sale. Short selling your home with the least possible credit implications. All attempts will be made to prevent you from having to deal with the consequences of a possible deficiency judgment.

Leonard Scott Realty specializes in Monterey County, San Benito County and Santa Cruz County distressed properties. We also belong to a nationwide network of Realtors® specializing in helping distressed homeowners who are interested in buying or selling distressed pre-foreclosure, foreclosure and/or REO (Bank Owned Properties).

We are a Preferred Partner, in affiliation with the Short Sale Specialist Network with more than 8000 affiliated and licensed Realtors® nationwide. Our goal and field of expertize is simply:

• Avoiding foreclosure by working a short sale or through helping our distressed homeowners with whatever other legal foreclosure prevention options available! Agents in our network work in a fiduciary relationship with their clients to protect their best interests and credit at all times.
• The purpose of our network is to: a) create an outlet to offer uniformed training and membership programs to all our members nationwide, and b) more importantly to provide a resource for licensed likeminded agents around the country to network and blog with each other and discuss tactics and to develop strategies in order to better work short sales for their distressed upside down short sale sellers.
• The Short Sale Specialist Network also present its members with the unique opportunity to cross refer nationwide to proficient experienced and licensed agents who have the same high ethical values and standards when representing their clients whether it’s in a purchase or sales transaction. As a result we can effectively represent our buyers or sellers not only in the counties where we reside and specialize, but in fact we’re able to service them on a nationwide basis through our more than 8000 affiliates throughout the country.

Most importantly because of our professional nationwide referral program and network we are probably the only specialist and distressed real estate property network, with the ability to effectively and legally: represent our buyers and/or negotiate and list distressed and/or short sales in any state throughout the nation!

We are able to keep track of every distressed and non-distressed home for sale in the area. In many instances, we know of homes that aren't yet listed on the area Multiple Listings Service (MLS). If you will fill out the form below with as many details as possible, we will search our data for homes that meet your needs and budget. Then we'll send you the information, free of charge!

Why Use Our Services?

There are a lot of good reasons why you should consider using the Short Sale Center of Leonard Scott Realty group, of which the following may be regarded as some of the most important:

1. We never ever ask for any upfront fees, administration fees, etc. In fact all of our services are completely free to our distressed clients with no obligation or upfront contracts whatsoever, while our clients have the advantage of personal, one-on-one attention, as well as our dynamic web and email resources.

   Our licensed, experienced and seasoned agents are knowledgeable specialists in loss mitigation with specialized skills in negotiating and listing Short Sales.
2. Because most of our agents come from a lending back ground, we have the the edge above most others, since we have established special working relationships with some of the most important short sale lenders, investors and asset management companies, with privileged direct access and contact numbers for negotiators, supervisors and their managers: which translates directly into time saving and positive short sale negotiations with quick approval turn around times for our distressed sellers and buyers alike.
3. Our agents are fulltime real estate agents - anything less and you'd be short changed, because we use our connections throughout the mortgage and banking industry to always get you the best results possible.
4. We are proud of our proven track record, with our many happy distressed short sale sellers, saving them their dignity and avoiding deficiency judgements on behalf of all our satisfied clients.
5. We'll guide you through the complexities of buying and/or selling a distressed property, eliminating costly mistakes, hassles and stress. As a standard business practice we preview homes as they become available, keeping you apprised of market conditions as they evolve, furthermore we won't waste your time - when an offer is made, we'll require acceptance or a counter offer within 24 to 48 hours.
6. Through our Unmatched Commitment we always persists with tenacity until we're able to obtain positive results for our distressed clients, we never give up and neither do we accept NO as an option for our clients. We have developed our unique 14 day short sale program and we use our special relationships throughout the mortgage and banking industry to apply the nesecary unique and niche short sale programs to the advantage of our clients when all els fails.
7. We offer legal help through our attorney assisted loan modification programs, which produces positive results unlike most other upfront fee loan modification scams.
8. We deliver on the toughest deals through flexible negotiation skills with all kinds of financial institutions, while protecting our clients good credit standings - our motto is straight forward:
   

   • Fast Efficient, Courteous, Professional Service.
   • Finding the best solution for every unique mortgage deficiency need.
   • Providing a wide range of solutions to accommodate all needs and budgets.
   • Prompt Response by Phone, Fax or email all through the process.
   • Straight Answers – No double talk!!
9. We belong to a nationwide network of Realtors® specializing in helping distressed homeowners to avoid foreclosure by working a short sale or through helping them with whatever other legal foreclosure prevention methods available! Agents in our network work in a fiduciary relationship with their clients to protect their best interests and credit at all times.

For Sellers

Why should you consider using the Short Sale Center of Leonard Scott Realty group? There are a lot of good reasons of which we consider the following as probably some of the most important:

1. Our licensed, experienced and seasoned agents are knowledgeable specialists in loss mitigation with specialized skills in negotiating and listing Short Sales.
2. Because most of our agents come from a lending back ground, we have the the edge above most others, since we have established special working relationships with some of the most important short sale lenders, investors and asset management companies, with privileged direct access and contact numbers for negotiators, supervisors and their managers: which translates directly into time saving and positive short sale negotiations with quick approval turn around times for our distressed sellers and buyers alike.
3. Our agents are fulltime real estate agents - anything less and you'd be short changed, because we use our connections throughout the mortgage and banking industry to always get you the best results possible.
4. We are proud of our proven track record, with our many happy distressed short sale sellers, saving them their dignity and avoiding deficiency judgements on behalf of all our satisfied clients.
5. We never ever ask for any upfront fees, administration fees, etc. In fact all of our services are completely free to our distressed clients with no obligation or upfront contracts whatsoever, while our clients 

   have the advantage of personal, one-on-one attention, as well as our dynamic web and email resources.
6. We'll guide you through the complexities of buying and/or selling a distressed property, eliminating costly mistakes, hassles and stress. As a standard business practice we preview homes as they become available, keeping you apprised of market conditions as they evolve, furthermore we won't waste your time - when an offer is made, we'll require acceptance or a counter offer within 24 to 48 hours.
7. Through our Unmatched Commitment we will persist with tenacity until we're able to obtain positive results for our distressed clients, we never give up and we do not accept NO as an option for our clients.
8. We offer legal help through our attorney assisted loan modification programs, which produces positive results unlike most other upfront loan modification scams.
9. We deliver on the toughest deals through flexible negotiation skills with all kinds of financial institutions, while protecting our clients good credit standings - our motto is straight forward:
   

   • Fast Efficient, Courteous, Professional Service.
   • Finding the best solution for every unique mortgage deficiency need.
   • Providing a wide range of solutions to accommodate all needs and budgets.
   • Prompt Response by Phone, Fax or email all through the process.
   • Straight Answers – No double talk!!
10. We belong to a nationwide network of Realtors® specializing in helping distressed homeowners to avoid foreclosure by working a short sale or through helping them with whatever other legal foreclosure prevention methods available! Agents in our network work in a fiduciary relationship with their clients to protect their best interests and credit at all times:

• We are NOT a group of investors, We are NOT a mitigation company and We are NOT a short sale funding company.

The purpose of our network is to not only create an outlet to offer uniformed training and membership programs to our members nationwide, but more importantly to provide a resource for licensed likeminded agents around the country to network and blog with each other and discuss tactics and strategies in order to better work short sales for their distressed upside down short sale clients.

Most importantly we are probably the only Specialist Short Sale Network, with the ability to effectively and legally: negotiate and list short sales in any state throughout the nation!

If you’re interested to find out more about all of our foreclosure prevention programs as well as a short sale: then simply complete the short request form at the bottom of this page, and submit it for a no obligation no fee

consultation. Or if you prefer, e-mail us at: ShortSaleCA@att.net, call us: 831-250-8181, or toll free: 888-476-8975, 0r fax: 888—821-4591.

For distressed home owners who have to short sell their house, we have four very different short sale programs to choose from each with its own distinct benefits depending on the distressed short sellers individual circumstances:

Investor Short Sale Program:

This program is basically an emergency foreclosure prevention program and it is most commonly applied to those distressed pre-foreclosure home owners who have a looming Trustee Sale date around the corner, with no time to attract sufficient purchase offers in order to postpone the foreclosure sale in a timely manner. This program is commonly referred to as an A to B, B to C investor program with back to back closing.

14 Day Short Sale Program:

This unique 14 Day Short Sale Program, aims to obtain sufficient qualified offers in the shortest period of time in order to meet certain deadlines set by the lender or the seller. One such deadline may be the postponement of a looming trustee sale date. With the consent of our client, the program may allow for a second round of bidding after the highest offer obtained during the first round, are disclosed to the participants. This unique program obviously benefits the distressed home owner as well as the short sale lender, although it creates a lot more effort and time for both the listing agent as well as the buyer’s agents. For more information, please click: 14 Day Short Sale Program

We may initiate our unique 14 Day Short Sale Program, if it is in the homeowners best interest and they do not qualify for all of the stringent HAFA eligibility requirements.

Government sponsored HAFA Short Sale Program:

We are certified HAFA Specialists with the CSP(Certified Short Sale Professional) designation, if you’re interested to find out more about the new Obama treasury solution HAFA short sale program, with its standardized paperwork, processes and timelines as well as certain distinct advantages and benefits to the distressed short sale seller. Some of the eligibility requirements for the HAFA program include but are not limited to the following:

• Property must be borrower’s principle residence 
• It must be a first lien mortgage originated prior to January1, 2009
• The mortgage is delinquent or delinquency is reasonably foreseeable
• The UPB (unpaid principle balance) must be no more than $729,750.00 for a SFR (Single Family Residence) - higher limits apply for two-to four-unit multifamily properties
• Borrower’s total monthly mortgage payment must exceed 31% of their gross income

Simply click on the hyperlink HAFA Short Sale for some of the highlights of this program.

The Home Affordable Foreclosure Prevention Alternatives Program (HAFA) is a US treasury short sale solution program, which aims to streamline and standardize the complete short sale process for eligible distressed home owners, making short sales less excruciating than they are now for all participants: buyers, sellers, bank and the real estate agents. For a short video please click HAFA Video

COOP Short Sale Program from Bank of America:

Click for detailed explanation: COOP Short Sale

We have access to the asset management companies who negotiate these pre-approved short sale transactions where, Bank of America appoints an outside asset management company like UTLS or AMS or REDC Default Solutions to negotiate the COOP Short Sale on their behalf. This program is basically the banks internal alternative to the government sponsored HAFA short sale program and it is aimed at those distressed home owners who do not qualify for the stringent conditions of the HAFA program. There are many similarities to the HAFA program in terms of timelines and deadlines, and the main purpose of this newly launched pilot program is to cut through the red tape, but more importantly to obtain investor approval, often even before the property gets listed: with clear guidelines to the listing and buyers agents, which is aimed at reducing the typically extended COE times of normal short sale transactions. Highlights of the program include the following:

• The agent’s commission cannot be cut and this program offers full commission (6%) to the agents. This obviously serves as a great motivation for buyer’s agents to participate in the transaction, since lenders often cut their commission in a normal short sale transaction. 
• It also have distinct advantages to the distressed home owner(s) in regards to: a) cash for relocation assistance, b)guaranteed waiver of deficiency judgments and c)guaranteed contributions towards the payoff of junior lien holders in order to make it worth their while to approve of the short sale. 
• Reduced qualifying documentation may be required, making it easier for the distressed home owner to qualify for the short sale.

For Buyers

Foreclosures, pre-foreclosures, short sales and REO’s now represent more than 50% of all real estate transaction in California; unfortunately the MLS service only taps you into half the California market. However since you have discovered The Short Sale Center, we will be happy to share with you the infinite possibilities of exploring and researching this huge untapped market:

• We can offer you every single foreclosure listing in your market. 
• Our unique approach to foreclosure lists and data, adds exclusive information that simply isn't available from most other sources. 
• By updating our foreclosure lists with auction results each day, our data stays fresh.

The housing bubble has burst, and home prices are at an all-time low. NOW is the time to buy: you have a great opportunity to purchase a home for 20%-50% (or more) below market value!

Keep in mind, when buying a distressed or short sale home, it is important to have a Realtor who is experienced with short sales. When using one of our short sale specialist Realtors, you can rest assured that you are dealing with a licensed professional with experience to help you through the process! If you’re interested in buying a distressed property, whether it's a REO (Bank Owned), Pre-Foreclosed, or Short Sale Property, we have the search engines right on our website where you can search every possible distressed property in California at no cost to you!

Unlike every other program on the internet (where you get charged for your searches), our Buyers Assist Program is a COMPLETELY FREE mobile marketing plan, which enables you to reach us anytime during the night or day, and it makes us accessible 24/7 to help you find your dream home, get directions and a map, since our buyers can connect with us in one “click” to get details and or make an appointment. In addition it also has the following advantages:

• See pictures, details, maps, contact information, and more. 
• Find homes 50% (or more) below market value in your area. 
• Explore America's most accurate source of foreclosures and pre-foreclosures in one place. 
• Access great resources and links for homebuyers and investors. 
• Receive free daily email alerts about new properties in your area.

For buyers interested in buying a distressed or short sale property – we can help: We have the most up to date interactive online search program with every single listed and unlisted, pre-foreclosure, foreclosure properties available in your market area:

• Our mobile marketing plan enables you to reach us anytime during the night or day, and it makes us accessible 24/7 to help you find your dream home, get directions and a map, since our buyers can connect with us in one “click” to get details and or make an appointment.  
• Our program saves you time and money: you don’t have to search on 20 different sites, anymore since our “Buyer Assist Program” most conveniently allow you to search for any possible property in one place where you can save your searches and even log on securely to continue your search at a later stage, without losing any of your data or search criteria. 
• All of this 100% secure and we never ever sell your name or personal information to third parties!

It is a fact that almost 90% of home buyers and sellers in this modern age use the internet to search when looking at buying or selling a home. Therefore we’ve spend endless resources (time, effort and money) to provide you with the most up to date interactive online search program with every single listed and unlisted, pre-foreclosure, foreclosure properties available in your market area.

Please remember, that You Do Have Choices, and there are alternatives to foreclosure. A short sale of your house will not only stop the foreclosure process, but you may be able to buy another property within 24 months after the short sale - if you qualify! This is obviously a big advantage over a foreclosure on your home. The Short Sale Center can help you; contact us now for a free and absolutely no obligation consultation to help you make an informed decision of the options available to you:

• We will handle the sale of your house on your behalf including the listing. 
• We will prepare a professional CMA (Comparative Market Analysis), to determine the correct list price for your distressed property. 
• We will prepare the short sale package, present and negotiate it with your investor/lender(s). We will talk to your lender; constantly updating them with the latest information and save you from the everlasting and harassing debt collection phone calls. We will utilize all of our resources to apply pressure to the lender/investor(s), in order to postpone the looming TS (Trustee Sale), if and when necessary. 
• We will conduct all the negotiations with the first and the second lien holders. 
• We will find a qualified buyer in a timely manner and we will facilitate the close of escrow of your sale. 
• Leonard Scott Real Estate utilizes various sources in determining the facts before presenting the property information and or any foreclosure prevention options to our clients.
• Whether you are a potential investor, buyer or seller, we strive to always provide our clients with the true and real answers and options in this very specialized and ever changing field. Our licensed realtors have years of combined experience in this unique niche market! 
• We pledge to always provide: Fast, Efficient, Courteous, and Professional Service, always trying to find the best solution for every unique real estate need. 
• All of our real estate services are completely free with absolutely no obligation to the seller! When we represent you in the purchase transaction – it does not cost you anything, since the seller pays the commission. When representing you in the short sale of your property – it does not cost you anything, since the bank pays the commission.

As you can see, it’s a win - win situation: either way our specialized, professional foreclosure prevention and real estate services won’t cost you a dime out of your pocket!

In closing, if you owe more on your mortgage than the value of your house, or behind on your mortgage payments - we can help: whether you have equity or not, good or bad credit, our team of seasoned loss mitigators and licensed short sale specialists have access to attorneys and programs which can possibly save your home from foreclosure.

We have solutions for most homeowners. Just complete the questionnaire at the bottom of our Home page and we would be honored to assist you with your real estate needs no matter what your unique circumstances or requests may be. Alternatively please feel free to contact us by phone, email or fax and let’s look at your options – we will make it happen!!

Disclaimer: As we are neither attorneys nor certified public accountants, this correspondence obviously does not guarantee any of the sugested remedies, but you will be advised of our opinion as to your best approach during a free consultation with one of our licensed advisors. We always encourage our distressed clients to always consult with a competent real estate attorney and a professional tax consultant regarding any foreclosure prevention options and the possible subsequent tax consequences. If you do not know of a qualified experienced professional then we will gladly provide you with the names of qualified and competent Real Estate Attorney’s and CPA’s

Don’t Quit!

When things go wrong, as they sometimes will,

When the road you’re trudging seems all uphill,

When the funds are low and the debts are high,

And you want to smile, but you have to sigh,

When care is pressing you down a bit,

Rest, if you must, but do not quit.

Life is queer with its twists and turns,

As every one of us sometimes learns,

And many a failure turns about,

When he might have won had he stuck it out;

Don’t give up though the pace seems slow

You may succeed with another blow.

Often the goal is nearer than,

It seems to a faint and faltering man,

Often the struggler has given up,

When he might have captured the victor’s cup,

And he learned too late when the night slipped down,

How close he was to the golden crown.

Success is failure turned inside out

The silver tint of the clouds of doubt,

And you never can tell how close you are,

It may be near when it seems so far,

So stick to the fight when you’re hardest hit

It’s when things seem worst that you must not quit.

Anonymous