“We want to sell our house but we owe more than it is worth”

A “Short-Sale” makes it possible for you to sell your house for less than what you owe, without having to pay anyone the difference. YOU WALK AWAY FROM THE HOUSE AND THE DEBT.

Yes, you can walk away from your house and all the debt without filing bankruptcy. The closing costs, taxes, 2nd mortgages, lines of credit, and other liens are also taken care of at closing.

A Short Sale could save your credit and help you avoid a Deficiency Judgment which could otherwise force you into an even worse situation, such as Bankruptcy or a garnishment of wages. While it is always best to sell your house for exactly what you owe, for most people that is not an option, and for them the Short Sales system has been created.

Requirements for a Short Sale (Set by your Mortgage Company):

1) You must be behind on your mortgage payments

2) You cannot have any assets or excessive cash funds to pay the mortgage company back. (such as a retirement account or $10,000 in the bank)

3) There must have been an unplanned Hardship to cause you to fall behind on your payments (Divorce, job loss, relocation, death in family, etc.)

4) You must fill-out the required paperwork as requested by your Mortgage Company. (email us for a copy)

Note: The more repairs the house needs, the better.

What does it cost?

There is NO COST to do a short sale!    Our program makes it possible for families in Kentucky, no matter what their financial circumstances may be, to avoid foreclosure.  We enjoy helping families live better and happier lives by serving them.  In addition, Kentucky Solutions makes money after we successfully negotiate your short sale, and after we resell the property to another family or individual seeking to buy a home.  We are very motivated to help you succeed.

If you wish to maximize your chances of your Short Sale being successful, we highly recommend that you pay for a repair estimate, title report, and for an estimate to repair mold or structural damage (if any). The average cost for these optional estimates is $400.  Short sales will typically delay a foreclosure auction for 3 months or more, which means most people will actually SAVE an average of $1,800-$2,700 in rent payments making the optional repair estimate cost seem insignificant.

I Live in Jefferson County, Kentucky and Want to Proceed with a Short Sale:

1) Fill out our contact form below

2) We will email you the paperwork your lender requires that you fill out.

3) We will call you to schedule a time to meet you (or someone with the key) at the property and answer any questions about the paperwork.

4) We submit everything to the mortgage company and once approved, you walk away free from the house and the debt!

TO ANSWER ALL YOUR QUESTIONS ABOUT SHORT SALES, VISIT OUR F.A.Q.

(Louisville Metro & Lexington Only)

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Please consult your tax, real estate and legal advisor prior to entering into any real estate transaction or for any legal or financial advice. The information contained on this website is not a substitute for legal advice and should not be considered as such. Our foreclosure services are offered to everyone in Jefferson County Kentucky and surrounding areas. We can help you save your house with a loan modification or by buying it. Kentucky Solutions is located at 4012 Dupont Circle, Suite 405, Louisville, KY 40207. Phone: 502.212.2482. IMPORTANT DISCLOSURE: Kentucky Solutions, LLC is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our services, your lender may not agree to change your loan. You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender or servicer. If you reject the offer, you do not have to pay us. If you accept the offer, you will have to pay us $0.00 for our services; and if you stop paying your mortgage, you could lose your home and damage your credit rating.