✅ 1. Short Sale Vs Deed in Lieu Vs Foreclosure

Understand how each option can affect:

- Your remaining liability on the loan

- Potential Cancellation of Debt or capital gains tax issues

- The impact on your credit and how to minimize the damage

A short conversation before you list home for sale or before you begin going late on your mortgage can make a significant difference in the outcome.

✅ 2. CA Foreclosure Timeline and How it Can Be Extended

Many homeowners are surprised to learn that the foreclosure process in California can take close to a year from the time payments stop.

This timeline is important because it gives you leverage.

When you understand how the process works and communicate that to the bank correctly, you can often:

- Slow the process down when needed

- Create time to explore better options

- Reduce pressure that leads to rushed decisions

- Improve the chances of protecting your credit and your finances during a workout

Knowing the timeline is not about delaying the inevitable. It is about using the time available to you to achieve the best possible outcome.

✅ 3. We Provide You our Recourse - Non Recourse Loan Analysis and then Customize your Plan to Reach Your Goals

Before you can determine the best strategy you have to determine which CA Anti-deficiency laws apply to you and your loan workout strategy.

✅ 4. We answer the Four Questions Every Listing Agent Must Answer Before Your List Your Home with Low Equity or for a Short Sale.

1. Which is better for my future a Deed in Lieu or a Short Sale

2. We the bank compare my assets picture now to what it was when I applied for the Loan?

3.If only 40 percent of Realtor negotiated short sale succeed do you have a backup plan for me.

4.Do you provide an attorney to me to analyze the Bank Approval Letter?