Top San Diego Short Sale Agents

Experienced Short Sale Help from Dawn Lewis and The Lewis Team

When the amount owed on a San Diego property is greater than its current market value—or when the anticipated proceeds will not cover the mortgage, liens, commissions, closing costs, and other expenses—a traditional sale may not be possible. A short sale could provide another path forward.

A short sale is a real estate transaction in which one or more mortgage lenders agree to accept less than the total amount owed so the property can be sold. The lender must approve the transaction because the sale proceeds are insufficient to pay the debt and other approved expenses in full.

A short sale is not a normal home sale. It requires careful pricing, extensive documentation, persistent lender communication, accurate disclosures, buyer cooperation, and skilled negotiation. Mistakes or delays can place the sale—and potentially the homeowner’s financial future—at risk.

If you are considering a short sale in San Diego, you should not have to navigate the process alone. Dawn Lewis and The Lewis Team at Real Broker help San Diego homeowners evaluate their circumstances, prepare their properties for the market, communicate with mortgage servicers, negotiate short-sale terms, and work toward a successful closing.

With more than 35 years of San Diego real estate experience and thousands of homes sold, Dawn Lewis provides the local knowledge, transaction experience, and steady guidance sellers need during a difficult and time-sensitive situation.

Need San Diego short sale help? Contact Dawn Lewis and The Lewis Team for a confidential consultation about your property, mortgage, timeline, and available selling options.

What Is a Short Sale?

A short sale occurs when a homeowner sells a property for less than the total amount required to pay the mortgage and other obligations associated with the property.

For example, a homeowner might owe $750,000 on a mortgage, but the property’s current market value may be only $700,000. After commissions, escrow charges, title fees, taxes, repairs, HOA obligations, and other expenses are considered, the sale may produce substantially less than the amount needed to satisfy the loan.

The homeowner cannot simply accept an offer and close the sale. Every lender whose lien cannot be paid in full must generally consent to the transaction and approve the amount it will receive.

The Consumer Financial Protection Bureau describes a short sale as an alternative to foreclosure in which a lender or mortgage servicer permits a homeowner to sell for less than the remaining mortgage balance. However, a short sale still requires the homeowner to sell and leave the property. 

When Should a San Diego Homeowner Consider a Short Sale?

A short sale may be worth exploring when all or several of the following circumstances apply:

• The home is worth less than the mortgage and other liens.
• The expected proceeds will not cover the costs necessary to close.
• The homeowner has experienced a financial hardship.
• Mortgage payments are no longer affordable.
• The homeowner is already behind on payments.
• A foreclosure notice has been recorded or a foreclosure sale date may be approaching.
• The property needs repairs the homeowner cannot afford.
• A job loss, income reduction, divorce, illness, relocation, death in the family, or other significant event has affected the homeowner’s finances.
• A loan modification or other home-retention option is unavailable or unaffordable.
• The homeowner needs to sell but does not have sufficient funds to cover the shortage at closing.

A homeowner does not necessarily have to wait until foreclosure is imminent before requesting information. Starting early can provide more time to examine alternatives, assemble documents, market the home, find a qualified buyer, and submit a complete short-sale package.

If a foreclosure sale has already been scheduled, the homeowner should immediately speak with the mortgage servicer and qualified legal counsel. Listing a property or submitting a short-sale application does not automatically stop foreclosure activity.

A Short Sale Should Begin with a Careful Financial Review

The first step is determining whether a short sale is truly necessary.

Dawn Lewis and The Lewis Team can prepare a detailed market analysis to estimate the property’s likely selling price. This analysis should account for:

• The home’s location, size, age, condition, and improvements
• Recent comparable sales
• Competing homes currently for sale
• Current San Diego market conditions
• Deferred maintenance or major repair needs
• Buyer demand in the surrounding neighborhood
• Expected marketing time
• Mortgage balances and other recorded liens
• Property taxes, HOA balances, assessments, and closing expenses
• Estimated commissions and transaction costs

Some homeowners assume they must complete a short sale when a conventional sale may actually be possible. Others focus only on the mortgage balance and overlook commissions, closing expenses, delinquent taxes, HOA liens, solar obligations, judgments, or other amounts that could prevent the transaction from closing.

A preliminary estimated settlement statement can help identify the anticipated shortage and establish whether lender approval will be required.

Explore the Alternatives Before Making a Decision

A short sale is one possible loss-mitigation option, but it is not automatically the right choice for every homeowner.

Depending on the homeowner’s objectives, income, equity position, loan type, hardship, and mortgage-servicer programs, alternatives may include:

• Selling the property through a traditional sale
• Bringing cash to closing to cover a manageable shortage
• Refinancing
• Requesting a repayment plan
• Requesting a temporary forbearance
• Applying for a loan modification
• Seeking a payment deferral or other retention program
• Renting the property, when financially and legally practical
• Completing a deed in lieu of foreclosure
• Consulting a bankruptcy attorney
• Allowing foreclosure to proceed

The Consumer Financial Protection Bureau recommends contacting the mortgage servicer promptly because available loss-mitigation options can include repayment plans, forbearance, loan modifications, short sales, and deeds in lieu of foreclosure. 

Dawn Lewis and The Lewis Team can explain the real estate side of these options and provide an assessment of the property’s marketability. Homeowners should also consult an attorney, CPA, or qualified tax professional about the legal and tax consequences of each alternative.

The San Diego Short Sale Process

Although every lender and transaction is different, most San Diego short sales follow several major stages.

1. Initial Consultation and Property Evaluation

The process begins with a confidential conversation about the homeowner’s situation.

Dawn and The Lewis Team will want to understand:

• Why the homeowner needs or wants to sell
• Whether mortgage payments are current or delinquent
• Whether a Notice of Default or Notice of Trustee’s Sale has been received
• How many loans or liens affect the property
• Whether the home is owner-occupied, vacant, rented, or used as an investment
• Whether bankruptcy, probate, divorce, or litigation is involved
• Whether the property belongs to an individual, trust, estate, corporation, partnership, or LLC
• Whether solar financing, HERO/PACE financing, HOA debt, judgments, tax liens, or mechanic’s liens exist
• The seller’s desired moving schedule
• The home’s condition and repair needs

This information helps determine the transaction’s complexity and whether enough time may remain to pursue a short sale.

2. Identify Every Loan and Lien

A short sale cannot close unless title can be transferred to the buyer.

The preliminary title report may reveal obligations such as:

• A first mortgage
• A second mortgage
• A home equity line of credit
• Property-tax liens
• IRS or California tax liens
• HOA liens
• Judgments
• Child-support liens
• Solar liens or financing agreements
• Mechanic’s liens
• Municipal assessments
• Recorded legal claims

Each unresolved lien can affect the closing. Junior lienholders may need to approve a reduced payoff, and some liens may require separate negotiation or professional legal assistance.

Finding these issues early gives the team more time to pursue appropriate solutions.

3. Contact the Mortgage Servicer

The homeowner should contact the mortgage servicer and ask about its short-sale or loss-mitigation requirements.

The lender may require the seller to authorize Dawn Lewis, The Lewis Team, the closing agent, and other representatives to communicate about the loan. A written third-party authorization does not allow the real estate agent to make legal or financial decisions for the seller, but it can permit the agent or transaction team to request information and help track the file.

The servicer may use its own short-sale application, online portal, document checklist, deadlines, valuation procedures, and review process.

4. Assemble the Short-Sale Package

A complete and well-organized package is one of the most important parts of the process. Missing, expired, unsigned, or inconsistent documents can result in delays or rejection.

Depending on the lender and program, the package may include:

• A hardship letter
• A financial worksheet
• Recent bank statements
• Recent pay stubs or other proof of income
• Federal tax returns
• Profit-and-loss statements for self-employed borrowers
• Unemployment, disability, retirement, or benefit statements
• Mortgage statements
• HOA statements
• Property-tax information
• A preliminary title report
• The listing agreement
• The signed purchase agreement
• Estimated closing statements
• Comparable sales and market information
• Repair estimates or inspection reports
• Photographs documenting the property’s condition
• Buyer qualification or proof of funds
• Affidavits confirming that the transaction is conducted at arm’s length
• Occupancy or relocation information
• Forms required by an investor, insurer, government agency, or loan program

Financial documents frequently expire. The seller may need to supply updated bank statements, pay records, or other information while the file is under review.

5. Prepare the Property for the Market

A short sale should still be marketed professionally. The lender will want evidence that the offer reflects the property’s reasonable market value.

Dawn Lewis and The Lewis Team can help determine which preparations are realistic and financially sensible. Depending on the property, this may involve:

• Cleaning and decluttering
• Improving curb appeal
• Completing inexpensive safety or presentation repairs
• Arranging professional photography
• Preparing accurate property descriptions
• Creating online and social-media marketing
• Making the property reasonably accessible for showings
• Clearly communicating that lender approval is required

Expensive improvements are not always appropriate in a short sale. The goal is to present the home effectively without asking a financially distressed seller to invest money that may not produce a meaningful return.

6. Establish a Defensible List Price

Pricing a short sale requires balance.

A price that is too high may discourage buyers and waste valuable time. A price that is unrealistically low may attract attention, but the lender may reject the offer after completing its own valuation.

Dawn Lewis uses local sales, active competition, property condition, neighborhood trends, and buyer response to recommend a price that can be supported with evidence.

The lender may order:

• A broker price opinion
• An automated valuation
• An exterior inspection
• A full appraisal
• An interior property evaluation

The lender’s valuation may influence the minimum net proceeds it is willing to accept. If the valuation appears inaccurate, The Lewis Team can assemble relevant comparable sales, photographs, contractor estimates, inspection findings, and other evidence to request reconsideration.

7. Market the Home and Evaluate Offers

The strongest short-sale offer is not always the one with the highest headline price.

Important considerations include:

• Buyer financing
• Down-payment amount
• Proof of funds
• Appraisal risk
• Inspection terms
• Requested credits
• Repair requests
• Closing-cost requests
• Contingency periods
• Proposed closing date
• Buyer flexibility
• Willingness to wait for lender approval
• Net proceeds to the lender
• Probability that the buyer will remain committed

An experienced short-sale agent should explain the process to prospective buyers and their agents before an offer is accepted. A buyer who understands the likely timeline and uncertainty is less likely to cancel prematurely.

8. Submit the Offer and Complete Package

After the seller accepts an offer, the contract and short-sale package are submitted to the lender.

The seller’s acceptance does not mean the lender has approved the short sale. The agreement should contain the appropriate short-sale terms and make the transaction subject to the necessary lender approvals.

The lender will typically evaluate:

• The seller’s hardship and financial information
• The property’s market value
• The proposed purchase price
• The lender’s anticipated net proceeds
• Commissions
• Closing costs
• Tax and HOA amounts
• Payments requested by junior lienholders
• Seller credits or buyer concessions
• Repair requests
• Whether the transaction is conducted at arm’s length
• Any relocation assistance
• The investor’s or mortgage insurer’s guidelines

9. Negotiate with the Lender and Other Lienholders

The negotiation stage may involve multiple parties, including:

• The mortgage servicer
• The owner or investor behind the loan
• A mortgage insurer
• A first-lien lender
• A second-lien lender
• A home equity lender
• Tax authorities
• An HOA
• Attorneys
• Escrow and title representatives
• The buyer and buyer’s agent

The lender may approve the offer, reject it, counter the price, modify permitted expenses, reduce commissions, restrict credits, require updated documents, or impose a closing deadline.

Dawn Lewis and The Lewis Team help organize communications, respond to document requests, provide market evidence, track deadlines, and keep the buyer’s side informed. Persistence matters because short-sale files can move between departments, negotiators, servicers, investors, and reviewers.

No real estate agent can force a lender to approve a short sale. Experienced representation can, however, improve the organization, presentation, communication, marketing, and overall execution of the transaction.

10. Carefully Review the Short-Sale Approval Letter

A verbal statement that the short sale is approved is not enough. The written approval letter must be reviewed carefully before the seller proceeds.

Important terms may include:

• The approved purchase price
• Minimum proceeds required by the lender
• Approved commissions
• Approved closing costs
• Amounts permitted for junior liens
• Whether the seller must contribute money
• Whether a promissory note is required
• Whether relocation assistance is approved
• The required closing deadline
• Restrictions on resale
• Whether the lien will be released
• How the remaining debt will be treated
• Required affidavits and certifications
• Prohibited payments or concessions

A lien release and a release of personal liability are not necessarily the same thing. Sellers should never assume that all debt-related issues have been resolved without carefully reviewing the written approval and obtaining legal advice when appropriate.

11. Inspections, Appraisal, and Final Buyer Approval

After short-sale approval, the buyer may still need to complete inspections, obtain an appraisal, satisfy underwriting requirements, and receive final loan approval.

Many short-sale properties are sold in their present condition, but California sellers must still comply with applicable disclosure obligations. The California Department of Real Estate explains that California residential transactions can involve statutory and contractual disclosure requirements. 

Selling “as is” does not give a seller permission to conceal known material facts. Dawn Lewis and The Lewis Team help sellers complete transaction documents and coordinate disclosures within the scope of licensed real estate services.

12. Closing the Short Sale

Before closing, escrow and title will confirm that:

• All required approvals remain valid
• The transaction will close before the approval deadline
• The lender will receive at least the approved net proceeds
• Approved lien payments are correct
• The buyer’s funds and financing are ready
• Required affidavits have been signed
• No unauthorized payment or credit has been added
• Title can be transferred
• The seller has completed required documents
• Possession and moving arrangements are confirmed

If the buyer, price, closing date, costs, credits, commissions, or settlement figures change, the lender may need to approve the revision before closing.

How Long Does a San Diego Short Sale Take?

There is no universal short-sale timeline.

Some files may receive a response relatively quickly, while others can take several months. The timing can be affected by:

• Whether the seller submits a complete package
• The mortgage servicer’s workload
• The type of loan
• Investor or mortgage-insurance requirements
• The number of liens
• The need for an appraisal or broker price opinion
• Disputed property value
• HOA or tax issues
• Buyer financing
• Bankruptcy, probate, divorce, or litigation
• Repeated requests for updated documents
• A scheduled foreclosure sale
• Changes in the purchase agreement
• Negotiations with junior lienholders

Sellers should prepare for a process that may require patience and frequent document updates. At the same time, deadlines cannot be ignored. If foreclosure activity has begun, timing becomes particularly important.

Can a Homeowner Complete a Short Sale Without Missing Payments?

Possibly. A homeowner does not always have to be delinquent before applying for a short sale. Some servicers may consider an imminent or documented hardship even when the loan is current.

Eligibility depends on the loan, investor, servicer, financial information, and applicable program. A homeowner should not intentionally stop making mortgage payments based solely on general advice from a real estate agent or another unqualified person.

Before changing payment behavior, the homeowner should consult the mortgage servicer and appropriate legal, tax, and financial professionals.

Will the Seller Receive Money at Closing?

In a conventional short sale, the lender generally controls the distribution of sale proceeds. Sellers typically cannot receive undisclosed funds outside the approved settlement.

However, certain programs or lenders may authorize relocation assistance. Any payment to the seller must be disclosed and approved in writing as part of the transaction.

No participant should make a side agreement, hidden payment, or undisclosed transfer that conflicts with the lender’s approval.

What Happens to the Unpaid Mortgage Balance?

This is one of the most important questions in any short sale.

California Code of Civil Procedure Section 580e provides significant anti-deficiency protection for qualifying short sales involving dwellings of not more than four units when the transaction occurs with the lender’s written consent. The law contains conditions and exceptions, so sellers should obtain legal advice about how it applies to their property, loan, ownership structure, liens, and transaction. 

A seller should confirm in writing how each lender will treat the unpaid balance. Approval letters should be reviewed by an attorney when the language is unclear or the financial exposure is significant.

Special circumstances—including fraud, waste, nonstandard obligations, guaranties, certain business debts, or liens not covered by the statute—may require separate analysis.

Are There Tax Consequences After a Short Sale?

There can be.

Canceled mortgage debt may be treated as taxable income unless an exclusion or exception applies. The federal exclusion that previously applied to certain qualified principal-residence debt generally does not cover discharges completed after December 31, 2025, unless the discharge resulted from a qualifying written agreement entered into before January 1, 2026. Other possible exclusions, including insolvency or bankruptcy, may apply depending on the homeowner’s circumstances. 

A lender may issue Form 1099-C when qualifying debt of $600 or more is canceled. Receiving—or not receiving—a tax form does not by itself determine the homeowner’s final tax liability. 

California tax treatment and federal tax treatment should both be reviewed. Dawn Lewis and The Lewis Team do not provide tax advice, but they encourage every short-sale seller to consult a qualified CPA, enrolled agent, or tax attorney before approving a transaction.

How Can a Short Sale Affect Credit?

A short sale may affect a homeowner’s credit score and future ability to qualify for financing. The effect depends on numerous factors, including:

• Whether payments were missed
• How the lender reports the account
• The amount of delinquency
• Other credit history
• The type of future mortgage
• Underwriting requirements in effect at that time
• The circumstances that caused the hardship

A real estate agent should not promise a specific score reduction, recovery period, or date when the seller will qualify to buy again. Homeowners should obtain individualized guidance from their lender, housing counselor, or credit professional.

Short Sale Versus Foreclosure

A short sale and foreclosure both involve serious consequences, but they are different processes.

In a short sale, the homeowner participates in marketing and selling the property, subject to lender approval. In foreclosure, the lender uses the applicable legal process to take or sell the property after default.

A short sale may offer potential advantages:

• Greater participation in the sale
• More control over showings and moving preparations
• A market-based sale to a buyer
• The possibility of avoiding a completed foreclosure
• The possibility of negotiated relocation assistance
• A more orderly transition from the property

However, a short sale is not guaranteed to stop foreclosure, eliminate every debt, prevent tax consequences, protect credit, or receive lender approval.

A homeowner facing foreclosure may also receive free assistance from a HUD-approved housing counselor. The CFPB recommends contacting the servicer promptly and notes that foreclosure and loss-mitigation timelines can be complicated. 

Common Short-Sale Mistakes to Avoid

Waiting Too Long

A short sale requires time to market the property, secure an offer, obtain valuations, negotiate liens, receive approval, and close. Waiting until immediately before a foreclosure sale can sharply reduce the available options.

Submitting an Incomplete Package

Missing signatures, expired statements, unexplained deposits, incomplete financial forms, or absent supporting documents can delay review.

Selecting an Unrealistic List Price

An unsupported low price may be rejected by the lender. An excessive price may prevent the property from receiving serious offers.

Choosing an Uncommitted Buyer

A buyer who does not understand short sales may become impatient, fail to update financing, or cancel before approval.

Ignoring Junior Liens

A second mortgage, HELOC, HOA lien, tax lien, judgment, or solar obligation can stop the closing even when the first lender has approved the sale.

Assuming Foreclosure Has Stopped

The homeowner must verify the status directly with the mortgage servicer and seek legal advice when necessary. A pending short sale does not automatically postpone every foreclosure action.

Making Unauthorized Side Agreements

Payments, credits, repair arrangements, or transfers that are not disclosed to the lender can jeopardize the transaction and may have serious legal consequences.

Relying on Verbal Promises

Material lender terms should be confirmed in writing.

Failing to Seek Legal and Tax Advice

A real estate agent can manage the property sale and help coordinate the short-sale process, but cannot replace an attorney, CPA, bankruptcy attorney, financial adviser, or housing counselor.

Why Experience Matters in a San Diego Short Sale

Short sales require much more than uploading a listing to the MLS.

An experienced short-sale agent must understand how to:

• Evaluate whether a short sale appears necessary
• Identify foreseeable title and lien problems
• Price the home using defensible market evidence
• Explain the process to prospective buyers and agents
• Prepare persuasive property marketing
• Organize lender-required documentation
• Maintain consistent communication
• Track expiration dates and approval deadlines
• Respond to lender valuations
• Coordinate multiple lienholders
• Preserve buyer commitment during a long review
• Work with escrow, title, attorneys, CPAs, and lenders
• Review approval terms with the seller
• Guide the transaction through closing

Experience does not guarantee approval, but it can help prevent avoidable mistakes and keep a complicated transaction moving.

Why Choose Dawn Lewis and The Lewis Team?

More Than 35 Years of San Diego Real Estate Experience

Dawn Lewis brings more than 35 years of real estate experience to each transaction. She has represented clients through changing markets, shifting lending conditions, complex negotiations, and thousands of successful San Diego home sales.

That depth of experience is especially valuable when a homeowner is dealing with financial hardship, limited time, lender requirements, and difficult decisions.

Thousands of Homes Sold

Selling thousands of homes provides perspective that cannot be gained from occasional transactions. Dawn understands how pricing, condition, buyer behavior, financing, appraisal issues, negotiations, disclosures, and closing requirements work together.

Detailed San Diego Market Knowledge

A lender may base its decision partly on a valuation of the property. Strong local market knowledge helps Dawn and The Lewis Team present appropriate comparable sales and explain differences involving condition, location, lot characteristics, community amenities, views, upgrades, and neighborhood demand.

Professional Property Marketing

A short-sale home deserves professional exposure. The Lewis Team can develop a marketing strategy designed to reach serious buyers, generate market activity, and support the property’s value.

Marketing may include:

• Professional photography
• Compelling property descriptions
• MLS exposure
• Major real estate websites
• Digital and social-media promotion
• Direct communication with local agents
• Showing coordination
• Buyer-agent education
• Follow-up with interested parties

Consistent Communication

Short sales can be stressful because multiple parties are involved and answers may not come quickly. Dawn and The Lewis Team keep sellers informed about important developments, requests, deadlines, offers, lender responses, and closing requirements.

Skilled Offer Evaluation and Negotiation

The goal is not merely to obtain an offer. The goal is to secure a realistic offer from a capable buyer and guide it through the lender-approval process.

Dawn evaluates the strength of each offer, the anticipated proceeds, buyer qualifications, contingencies, credits, financing, and probability of closing.

Coordination from Listing Through Closing

The Lewis Team helps coordinate the moving parts of the sale:

• Seller documentation
• Property preparation
• Pricing
• Marketing
• Showings
• Offers
• Buyer communication
• Lender submissions
• Valuations
• Escrow
• Title
• Disclosures
• Inspections
• Appraisal
• Approval conditions
• Closing deadlines

This coordinated approach helps reduce confusion and gives the seller a knowledgeable real estate advocate throughout the transaction.

Questions to Ask a San Diego Short Sale Agent

Before hiring an agent, consider asking:

1. How much experience do you have with short sales?
2. How will you determine whether my property requires lender approval?
3. How will you identify additional liens?
4. Who will communicate with my mortgage servicer?
5. How will you price and market my home?
6. How will you evaluate prospective buyers?
7. How frequently will I receive updates?
8. How will you handle a lender valuation that appears too high?
9. What happens if a foreclosure date is scheduled?
10. How will you coordinate with escrow and title?
11. What should I review in the lender’s approval letter?
12. Which issues require advice from an attorney or tax professional?

Dawn Lewis welcomes these questions. A homeowner should understand the process and feel confident in the real estate team handling the sale.

San Diego Short Sale Frequently Asked Questions

Does a lender have to approve a short sale?

No. A lender is not required to approve a particular short sale or provide a specific loss-mitigation option. Approval depends on the loan, investor, servicer, property value, seller’s circumstances, proposed terms, and other requirements.

Can a lender counter the buyer’s offer?

Yes. A lender may require a higher price, greater net proceeds, reduced costs, different closing terms, or additional documentation.

Can there be more than one lender?

Yes. Every affected lender or lienholder may need to cooperate before clear title can be delivered.

Can the seller choose the buyer?

The seller can evaluate and accept an offer, but the lender must approve the transaction when it will receive less than the amount owed.

Can the seller sell the home to a relative?

Many lenders require an arm’s-length transaction and restrict sales involving relatives, business associates, undisclosed agreements, or continued seller occupancy. All relationships must be truthfully disclosed.

Will the lender pay real estate commissions?

Approved commissions are generally paid from the transaction proceeds, but the lender determines which expenses it will permit. Commission approval should be confirmed in the written short-sale approval.

Can the seller remain in the home after closing?

The seller will ordinarily be required to vacate according to the purchase agreement and lender terms. Undisclosed leasebacks or occupancy arrangements can violate short-sale conditions.

Can a tenant-occupied property be sold through a short sale?

Potentially, but the tenancy must be handled in compliance with applicable lease terms and landlord-tenant law. Sellers should obtain legal advice concerning notices, relocation requirements, access, and possession.

Can a short sale be completed during bankruptcy?

Possibly, but bankruptcy court, trustee, lender, and attorney involvement may be required. The seller should consult a bankruptcy attorney before listing or signing agreements.

Is short-sale approval guaranteed once an offer is received?

No. The lender can approve, reject, counter, delay, or impose conditions on the proposed transaction.

Take the First Step Before Time Becomes Critical

Financial hardship can make homeowners feel overwhelmed, embarrassed, or unsure where to begin. Waiting usually does not make the situation easier. The earlier the facts are reviewed, the more time there may be to understand the property’s value, contact the lender, explore alternatives, resolve title issues, and prepare a strategy.

A confidential consultation does not obligate you to complete a short sale. It provides an opportunity to understand your real estate situation and identify the questions that should be presented to your lender, attorney, accountant, or housing counselor.

Contact Dawn Lewis—A San Diego Short Sale Expert

If you need an experienced short sale agent in San Diego, contact Dawn Lewis and The Lewis Team at Real Broker.

With more than 35 years of experience and thousands of San Diego homes sold, Dawn provides the local expertise, professional marketing, experienced negotiation, and personal guidance homeowners need during a challenging transaction.

The Lewis Team will help you:

• Understand how a short sale works
• Evaluate your property’s current market value
• Estimate the anticipated shortage
• Identify loans and liens that may affect the sale
• Prepare and market your San Diego property
• Find and evaluate qualified buyers
• Coordinate the lender-review process
• Track documents and deadlines
• Communicate with escrow, title, and the buyer’s representatives
• Work toward an approved and successful closing

Do not wait until a foreclosure deadline is near. Contact Dawn Lewis and The Lewis Team today for confidential San Diego short sale help. 619-656-0655

This article provides general real estate information and is not legal, tax, credit, bankruptcy, or financial advice. Short-sale requirements and consequences vary by homeowner, lender, loan, investor, lien, property, and applicable law. Consult the mortgage servicer and appropriately qualified legal and tax professionals before making decisions.