We work closely with sellers, buyers, and Realtors^® as well as title companies to facilitate, negotiate and finalize the short sale transaction. The firm also works with the sellers and the Realtor^® to obtain, process, and furnish short sale packages and other required information to the seller's lender(s).

Our St Louis area firm's dedicated professionals of attorneys, lawyers, and negotiators handle, coordinate, and work all required lender approvals to finalize your short sale transaction.  Kayser & Associates Short Sale Law Firm is a team of legal, tax and real estate professionals who have joined forces.  We provide you with the most experienced short sale professionals.  Individuals who have made it their focus to help you eliminate your mortgage debt as fast as possible and minimize any impact to your credit.

AVOID foreclosure on your record. Avoiding foreclosure should be your absolute top priority. By saving your credit, you won't have to experience the frustration of trying to get a future mortgage, rent a nice house or apartment, or even get a fair insurance quote when you have severely damaged credit. Damaged credit will limit where you can move. Landlords and lenders will look closely at your ability to keep up with your financial obligations.

Your lender retains the right to come after you for any balance still owed should the proceeds of the foreclosure sale fail to satisfy the debt in full!

You'll have to say "YES" for the rest of your life… unless you avoid it right now by discovering your options and taking positive action today. Contact Kayser and Associates now, and let a local St Louis short sale attorney give you a better option. Don't file bankruptcy just to stop a foreclosure. Bankruptcy does not stop a foreclosure. It only delays it. You cannot avoid foreclosure by filing bankruptcy.

At Kayser & Associates Law Group, we have 14 years in negotiating and vast experience in negotiating short sales with numerous lending institutions across the country.  If you are considering a short sale, please complete our Short Sale Worksheet without delay as earlier communications with the lender increase the likelihood of a successful negotiation.

As you may already be aware, this particular type of transaction requires an attorney with the patience and knowledge necessary to persevere in the continual, and often times frustrating, discussions with the lender. Including one of our St Louis area short sale attorneys from the beginning will facilitate matters toward a quicker, successful short sale.

Kayser and Associates short sale law firm frequently advises real estate agents and brokers on how to best market and sell a property being sold as a short sale.  We are available to provide free seminars and presentations for real estate agents and brokers interested in learning more about the short sale process.

Our information is based on the experience gained in successfully closing countless short sale transactions thus rendering it efficient and reliable.

If you are interested in expediting the short sale process, in the St Louis area, as well as preserving your full commissions, we suggest you Contact Us immediately so that we may arrange a free presentation for your company in your office.

The answer is it does not matter whatsoever! It may initially seem counterintuitive; however, this is the reason why it is a reality.  When deciding whether to accept a short sale offer the lender will compare the offer to the alternative: simply letting the home go to foreclosure.  At a foreclosure auction potential bidders will take the "fair market value" into consideration; not the outstanding principal balance owed by the defaulting homeowner.  The short sale lender is aware of this fact and will apply the same principle to the offer that is presented. As long as the offer reflects the current appraised value the lender will ignore how much of a cut the deficiency is because that is what will happen at a foreclosure sale!

Lenders we work with include (but are not limited to):

Aurora Loan Services * Bank of America * Carrington Financial * CCO Mortgage *CitiFinancial * CitiMortgage * Dovenmuehle * EMC Mortgage * Flagstar * First Horizon * GMAC * Green Tree Financial * Heartland Bank * Home Eq * Horizon Bank * HSBC * IBM Lender Business Processing (LBPS) * IndyMac * JPMorgan Chase * LCS * Litton Loan Servicing * Met Life * National City Bank  * Nationstar * Ocwen Financial * OneWest Bank * PHH * PNC Bank * Paleco Credit Union * Pulaski Bank *Regions Mortgage * Saxon Mortgage * Select Servicing Portfolio * Seterus * Sun Trust * US Bank * United Bank * United Guaranty * Vericrest * Wells Fargo Bank. 

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The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

American Banker Article:"The More Short Sales Done in Mortgage Settlement, the Better"

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