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short sales 

If you are struggling with a home because of a divorce situation, a partial loss of income or death in the family that has you carrying an inherited property and you are trying to save the home you are likely only delaying the inevitable. Sadly, sometimes its better to stop the bleeding and just sell the home. Our role is to work with you, your lender and attorney to find the best possible option for you so that you can move on with life without a major set back to your credit that could hurt your chance of buying or renting any time soon.


A short sale is a sale of real estate in which the sale proceeds fall short of the balance owed on the property’s loan. It often occurs when a borrower cannot pay the mortgage loan on their property, but the lender decides that selling the property, even at a moderate loss is better than pressing the current debtor. Both parties consent to the short sale process, because it allows them to avoid foreclosure, which involves hefty fees for the bank and poorer credit report outcomes for the borrowers.

It is a business decision for both lender and borrower and allows both parties to walk away without the greater expense of foreclosure or the huge negative consequences on the borrower's credit report from a foreclosure or bankruptcy.



A foreclosure can impact your credit far more than a short sale. Typically a foreclosure will stay on your credit report for 7-10 years (if you get a judgment, then can even be renewed) and take your credit score down an average of 200 points.

A short sale, depending on your circumstances is drastically different…you may even be able to buy another home within a few months. Also, in the case of certain foreclosures you are not protected from the lender coming back to make up the difference between the auction price and the mortgage but in a short sale we try to make sure you are protected. 

cASH For KeyS


The subject of cash for keys frequently comes up when a homeowner has exhausted other avenues and is facing foreclosure by rental property owners who have a tenant substantially behind in rent. A cash for keys agreement may be one of the most useful tools a lender or real estate investor can use, but it’s oftentimes overlooked.



  • Cash for keys is an agreement involving paying the tenant a certain amount of cash to vacate a rental property and avoid having to go through the process of eviction or foreclosure.

  • Lengthy and costly evictions may be avoided with a Cash for Keys or Deed in Lieu of Foreclosure agreement. 

  • Landlords and Lenders put Cash for Keys or Deed in Lieu of Foreclosure agreements in writing in order to be legally enforceable.

  • Cash for keys agreements can be a win-win for both the landlord and the tenant as the cost and time in obtaining an eviction or foreclosure can be quite long depending on how busy the courts are at the time.


If you have received a Default Notice from your lender or a Notice from your landlord you should call Geni Manning at 469-556-1185 without delay.


There are specific statutory timelines that are started when these letters go out and the more time we have to work on your situation with your lender or landlord the better for you. Online Request Form.

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