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A short sale is when you sell your home for less than what you owe on your. a short sale may have been the best or only option to get out from.
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Short Sale: A term that describes the sale of a property for an amount less than the unpaid mortgage. This happens when a borrower cannot afford to keep making mortgage payments and cannot pay the difference between the sale price and the unpaid mortgage. The borrower gets the bank to agree to.
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There are a few banks who will not do a short sale under normal circumstances, but you can just stay away from PNC Bank and eliminate half the battle. Most banks aggressively pursue short sales and want to approve them.
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In most short sale counteroffers from the lender, the bank calls for a higher sale price. It is important for the seller and buyer to respond to the lender within their time frame, or the bank could close the file. Once the seller is satisfied with the terms of the short sale approval letter, the short sale advances to the Closing Phase.
Since the debt is discharged in the bankruptcy, then there is no incentive for the debtor to work a short sale, as the debtor can walk away without financial repercussions as to the note at any point. It is important to distinguish that the lender only loses its rights as a creditor on the mortgage note when the debtor does not reaffirm.