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无法偿还每月房屋贷款?
Having Trouble Paying Your Monthly Mortgage Payment?
SHORT SALE可能是你的最佳选择
A SHORT SALE may be an option for you

如果你正面临以下问题:
If you are experiencing all of the following:
• 失业, 离婚, 昂贵的医疗
A hardship, such as a job loss, divorce or medical emergency
• 房屋欠债额超过您房屋的目前市值
Owe more than your house is worth
• 无法负担您现在的房屋贷款
Unable to afford your current home loan
• 无法重组或调整您现在的房屋贷款情况
Unable to modify your current home loan

压力重重的您可以有以下选择:
Options for distressed homeowners
• 重新借贷
Refinance
• 赔售
Short Sale
• 重组或调整目前的房屋贷款计画
Lender workout
• 银行收屋及拍卖,等
Deed in lien of foreclosure, etc

 自2009年末以来, 50%的房屋转售涉及到SHORT SALE及Foreclosure
By the end of 2009, 50%of the resale transactions closed involved with short sale and foreclosures.

Q: 什麽是SHORT SALE赔售?
What is a SHORT SALE?
A: SHORT SALE赔售是指seller和lender 达成协议,seller按市值折价出售房屋,卖房以还清债 务。如果房屋拥有者无法在规定时间内卖出房屋,Lender(通常情况下为银行)将会开始法拍程式,进行收屋并拍卖。在此情况下,seller为了脱离债务,将被迫宣布破产。然而,有时即使宣布破产,也未必可以脱债。
A Short Sale means the seller’s lender is accepting a discounted payoff to release an existing mortgage. If the owner failed to sell the property within a certain period of time, the property will go into Foreclosure.

Avoid Foreclosure and Protect Your Credit。Discover Your Options！

Q: 在SHORT SALE这段时间里,我该注意什麽?
What should I expect during a short sale?
A: SHORT SALE是个很好的选择,但一些信用上的负面影响仍旧是不可避免的。虽然如此,SHORT SALE比银行法拍仍有利很多。根据Faddi Mac的政策,现今,如果进行SHORT SALE,凭信用您可能在2到3年后依旧可以重新贷款买房。然而,如果您选择了银行法拍,那麽您的信用将在7到10年后才可能恢复。
There are still some negative impacts on your credit even with the short sale option. However, the negative impact may be less than you would have with a foreclosure. Under current Fannie Mae regulations, a short sale may enable you to qualify to buy a house again sooner, in as little as 2 to 3 years, than if you had gone through a foreclosure, which would be 7 to 10 years before you would be eligible again.

Q: 为什麽SHORT SALE可能会失败?
Why Short Sale Fail?
A: SHORT SALE的失败可能会有很多原因造成。 其中包括:
There are many reasons why short sales fail, including, but not limited the following:
不充分的SHORT SALE材料
Incomplete short-sale package
无法在指定时间内达成合约
No reasonable chance of closing
Agent关於short sale方面 经验不足
Inexperienced listing agent
屋主补足贷款,有能力偿还
Release of deficiency
屋主没有充分证明以证实其有财务困难
No hardship
与非第一顺位债权人无法达成协议折扣金额
Junior liens
第一顺位lender要求的条件高出买家出价, 等。
Lender， etc.

时间就是制胜关键!!!
Time is Essential!!!

Q: 我该如何开始SHORT SALE?
How do I get started with a short sale?
A: 尽快联系您附近的SHORT SALE专家来説明您。因为时间有限,越及时的决定会带给您越大的先机!
Contact your short sale and neighborhood specialist to help you. Because the sooner you make a decision, the better position you will get.
良好的信用几乎是您在美国的第二生命,它几乎是您创业冶业必不可少的条件。
如果你面临还贷问题并且有意short sale,赶快给柏瑞雅打电话吧!她会説明您准备好short-sale package lists,和您一起马上开始SHORT SALE !!!
Call Rhea Bai today and she will give you the short sale package list to help you start your short-sale right now!!!