The REMERGE Short Sale TEAM 
gives you full disclosure about the property and
the true costs of buying a short sale home and home ownership.

CAshortSaleHOMES PROPERTIES
COME WITH NO SURPRISES!

All homes listed will have the complete Seller's and Agents' disclosures, natural hazard, property tax, and termite inspection reports available for you to review and approve. All CAshortSaleHOMES properties will be free and clear of loans and liens.  A clean title insurance policy will be delivered at the close of escrow.

Have you been waiting for the perfect time to buy a home?
Here it is!

Why buy a Short Sale home?
price! Price!! PRICE!!! 

What else could you be waiting for??
A Short Sale home may be negotiated 10-15%  lower than the current appraised market value in the area. In many cases, that price is up to 50% less than the orginal price of the home. Many short sales are newer homes. 

Why Buy a CAshortsaleHOME?
Full disclosure from Seller and Agent, including termite, environmental and property tax reports are available to the Buyer on acceptance of the offer. The Buyer is entitled and encouraged to get a professional home inspection and to continue his due diligence in accepting the property in "As Is" condition. 

Why use a REMERGE Short Sale TEAMAgent?
We ensure that you are able to get a loan you are comfortable with before you make an offer.  Our Agents will help you locate a great short sale home. Always check out the CAshortsaleHOMES  inventory first. REMERGE Transaction Coordinators is staffed with top notch negotiators and processors. We know what the Banks want and can negotiate a sale for thou$and$ under the last comparable sale!  Your best deal is with us.

How is a Short Sale different than a regular transaction?
The Seller's signed acceptance is a necessary first step but not the final decision in a short sale. The Seller/Homeowner is only concerned that the transaction is closed as fast as possible. The final price, terms, conditions and approval of a short sale is with the Banks and other lien holders.  Incomplete or transactions that otherwise need further attention from the Bank will be put aside. The REMERGE Short Sale TEAM  will structure the original offer and prepare it for immediate negotiation with the Bank.  The cooperation and patience of the Seller, Buyer, Agents and the Bank are required for a succesful close of escrow.

What can I expect from the Banks?
The Banks will reduce their loan pay-off,  substantially in order for the short sale to close. The Holder of the 1st TD will evaluates the offer against current fair market value. The Holder of the 2nd TD generally demands 10% of the outstanding loan amount to provide the Release of Lien.

What closing costs does the bank generally pay?
The 1st TD will pay real estate sales commission, the Seller side of escrow and title services. The bank may or may not pay the natural hazard disclosure reports, county and/or city transfer taxes.

What closing costs does the bank generally NOT pay?
The Buyer should expect a final counter offer when the banks submit their terms and conditions for approval. The bank may counter on price. The Bank may allow a "reasonable" credit to the Buyer for closing costs.  Generally, the bank does NOT pay for termite inspection and repairs, any repairs or upgrading to the property, retrofitting or certifications required by local codes, short sale coordination fees, Home Warranty and HOA past dues, HOA document fee and/or HOA transfer fee and other.

What closing costs, per RPA page 2 that the bank pays depends on the offer and the directives of the investor who owns the loan. Bank terms of approval change from offer to offer.

Can The REMERGE Short Sale TEAM Agent help me with closing costs?
YES!!  Although the closing costs are generally higher in short sale homes because of the bank usually does not pay all typical seller side closing costs, we help you structure your offer so that most of the extraordinary closing costs are covered without digging into YOUR pocket.  Our experience works for you.

What are the disadvantages of buying a Short Sale home?
The time element is unpredictable and uncontrollable. You must have patience to sit out what may be a 2-4 month or more short sale process. Because of the volume of defaults and shortage of Bank Loss Mitigator staff to manage short sale transactions, it may take 90 days or more from submission before a transaction is reviewed. Once approved, close of escrow occurs as soon as the Buyer's loan can close.

Why use Pacific Coast Funding?
The Banks that enter into short sale agreements require that the Buyer has Loan Approval and will be able to close a loan quickly once it is approved. Dave Weiss will collect the documentation from you to provide your Loan Approval Letter based on the loan options that you select and keep you current with news in loans while we are waiting for bank response. The chance that your offer will be accepted are maximized. The chance that you will close the transaction is assured. And, you will love the service.

Can I use my own lender?
Yes. However, all Buyers must contact and obtain Approval from Letwork Lending to assure qualification. No exceptions.

Is there any risk to making an offer on a CAshortsaleHOME? 
Absolutely not. We do not collect an initial deposit or open escrow until the buyer agrees to the bank's terms of approval. Thus, the buyer can cancel a short sale offer at any time prior to Bank approval. So, you risk nothing when you make an offer to buy a short sale home. 

Take advantage of 
the incredible prices of the shortSale Market!

Contact
Shelly Gorenstein
for a Confidential Consultation
Toll Free:  877-473-6374
E-mail: shelly@remerge.com

YOUR LOAN COMES WITH NO SURPRISES!

With the loan industry in such turmoil, it is essential that you have an experienced Loan Broker who has been continuously active in the loan market, from the origin of troubled loans to the present day changing loan options. Pacific Coast Lending educates you in the loan process and offers you loan options that you will live with comfortably, for many years to come.

Get Loan Approval today!
You'll notice the difference in service, immediately!
Contact
Dave Weiss
for a Loan Consultation
Phone: 714-969-3112E-mail: jtcoast@aol.com

The REMERGE Short Sale Team