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**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. We are a homeowner advocacy group with more than a decade of helping homeowners and professionals with mortgage assistance negotiations. The information found on this page is for educational and convenience purposes only. The information found on this page should be considered as opinion and not fact based on our experience with lenders over 10+ years. Consult your mortgage servicer directly or a professional before using any of the information found on this site. If you are seeking an intermediary to assist you in getting help with your mortgage you may contact us at 888-934-3444 or via email at [email protected] for further review for a no fee, no obligation, consultation. If required you may be referred to a local professional or legal counsel for additional assistance with your mortgage. Please read through our Disclaimer page for additional details. We do not represent in any way any financial institution named on this page. If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

CCO Mortgage Short Sale Application, Forms And Packages

Short Sale Package PDF

Take the first step to getting started on your short sale. Download Forms Here.

Next Steps

Find out what’s next. Make sure you cross every ‘T’ and dot every ‘I’.  No Mistakes!

Other Mortgage Programs

It may not be too late to try other options. We can review what’s out there.

Get CCO Mortgage Forms

Take the first step to getting started on your short sale. Download Forms Here.

Next Steps

Find out what’s next. Make sure you cross every ‘T’ and dot every ‘I’.  No Mistakes!

Other Mortgage Programs

It may not be too late to try other options. We can review what’s out there.

Are You Still Dealing With CCO Mortgage By Yourself?!

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?Are You Still Dealing With CCO Mortgage By Yourself?!?

Click To Be Connected To A Pro Near You.
CCO Mortgage RMA Short Sale Package Forms

Limited Time Offer Coupon!

FREE  Custom CCO Mortgage Strategy Session With A CCO Mortgage Experienced Team Member.
CCO Mortgage RMA Short Sale Package Forms

Limited Time Offer Coupon!

FREE  Custom CCO Mortgage Strategy Session With A CCO Mortgage Experienced Team Member.

Step 1: CCO Mortgage Short Sale Experts

Find out why no one knows more than we do.

Get The Short Sale Listing On The Market

Get The Property Listed!

One of the first things you will have to do in order to start your short sale process is to get your property listed for sale. In order to get a fair review about your property you will have to do this while working with a lender. Just bringing an offer to the lender will not be allowed. Documents such as the MLS Listing and MLS History will be demanded as a proof to ensure that a property has been properly listed. You have completed this process inorder to move forward to the next step and the First of the documents that you will need for the process to go forward will be the listing agreement.

Pro Tip: Many lenders will require you to list for a minimum of 5 days and a weekend before accepting an offer.
NOTE:  Sometimes CCO Mortgage may prequalify you to do a short sale. They may even tell you to how much to list the home as. Know that all of this is misleading because when you get an offer they will still need to do a full and standard short sale review.

Step 2: The Short Sale Offer

Making an offer on a CCO Mortgage Short Sale is more than just a number!

Real Estate Short Sale Definition

What is a short sale?

According to real estate a sale in which the offered amount is not enough to pay off all the liens taken against the property is called a short sale. CCO Mortgage will not be able to review your application unless you have an offer. They will need to check that once all the closing costs have been deducted from the amount what will be the net amount that you will be making them. Past due taxes, non-recurring closing costs, attorney fees, settlement fees, title fees, and anything else that may apply are all included in it.

Best Short Sale Buyer

Find The Right Buyer For Your Short Sale

Strong Short Sale Buyers

A buyer should have the quality of patience as it is the most important quality as a buyer. A buyer who knows how to wait is always better than all cash buyer and even the buyer whose offer is better. Candidates are required to interview in order to make sure that offer is solid. Broker is as important as the buyer.

Previously Approved Short Sales

Previously Approved CCO Mortgage Short Sale

Some brokers mislead by advertising that their short sale was previously approved by CCO Mortgage. They will need to make a full review of application even if CCO Mortgage had previously approved their short sale and all the terms were met still  .

Pro Tip: lenders can be review on offer at a time . The process can be difficult and can require some effort to go through. Make sure you make the most suited choice. The best offering does not always come at highest price.

Step 3: Submit CCO Mortgage Short Sale Package

Thoroughly review your documents. The wrong information can hurt you!

CCO Mortgage Short Sale Submittal

Submiting Your Short Sale Package to CCO Mortgage To Get The Process Going.

What is in the CCO Mortgage Short Sale Package?

Usually all the lenders must have same kind of documents and CCO Mortgage is also included in those. Following is the list of documents which are usually asked for: a listing agreement, a purchase agreement, proof of the buyer’s ability to perform such as proof of funds or a prequalification letter from the buyer’s lender and that’s only the start. As a short sale seller it will be required to submit your financial information such as a monthly budget, your tax returns for the last two years along with a 4506t to show the returns were actually filed, pay stubs or proof of income like a profit and loss, bank statements, reason for requiring to do a short sale, and a hardship letter.

Pro Tip: In most cases working with a skilled team like ours you should be able to pick out the items that will most likely be asked of by your lender. In case lender has to request items it’s likely they passed over your short sale when it could have been reviewed.

Step 4: CCO Mortgage Short Sale Broker's Price Opinion (BPO) or Appraisal


CCO Mortgage Short Sale Value

Getting The Right Value Goes A Long Way.

We can qualify you for short sale by one way and that is by completing a value. An agent compares similar properties which are either currently listed or have been sold within 3 to 6 months In order to complete a value. He has to consider many conditions like home’s perceived condition, the size of the living space, the size of the lot, how many stories it has and whether or not it has a pool. Market conditions and how fast homes are selling in the area are also taken into count. Many other factors are also considered.

CCO Mortgage Short Sale Appraisal

Short Sale Appraisal Values

CCO Mortgage is always supported by a lender and that lender is already facing a loss so the lender will want to complete a Broker’s Price Opinion (BPO). lender will obtain an appraisal If the lender requires a deeper insight . Appraisers have specific licenses for valuing properties. Some investors such as Fannie Mae (FNMA) complete two appraisals. The type of value completed varies from lender to lender and investor to investor.

CCO Mortgage Value Disputes and Variances

Filing Value Disputes and Variances

A value returning too high is something that happens very often and to both the professionals and rookies alike.Sometimes a broker makes a mistake by comparing properties which have nothing in common because he/she is not from the area.

Pro Tip: Short Sale Variance is a good opportunity to apply for a short sale servicer such as CCO Mortgage to vary from their typical practices. Alot of times values are good from the day they are completed for 90 days; Sometimes longer.

Step 5: Finalize Short Sale Terms


How Long Does CCO Mortgage Short Sale Take

CCO Mortgage’s Short Sale Time Line Coming To An End.

At that time undersigned will have to decide whether you meet the requirement for the short sale or not and whether to proceed your file to the management. Before presenting the file to the management, auditing process occurs and then there is an another process before issuing the approval letter.

CCO Mortgage Short Sale Counters

CCO Mortgage Counters Short Sale

Unfortunately, this can also prove to be tough time as this is also the time when CCO Mortgage may give a counter to your short sale of may completely reject it. There is a need for a special set of skills that come only by experience to compete with either of these situations. Anyone can do easy tasks but it is the difficult tasks that are hard and seperate the experts and rookies.

Step 6: Closing A Short Sale


Short Sale Escrow

Short Sale Escrow.

If you know closing typical escrow processes, closing of short sale process is very similar to it. Once all debt holders have given their approval, you can move forward with the typical escrow process. A title search should now have been completed to assure that all the parties affiliated with the property have been addressed.

Short Sale Extensions

CCO Mortgage Issues Short Sale Extension

What happens if the approval letter expires and we are not able to complete the short sale process? This is a question we get all the time and there isn’t a simple answer to this question. It depends on negligence of the mortgage, whether the value they had expired, and many other details. Consult one of our professionals if you need more time to see what we are able to get approved with CCO Mortgage’s Management. We only get paid if the transaction successfully closes,  results may vary(we are generally paid from the real estate comissions awarded to the agents involved and paid out of CCO Mortgage’s net).

Pro Tip: Week one. Strike that. Within a few days of having all the approvals in line you should be able to tell whether or not this buyer is going to really perform. The right professionals apply pressure to all the parties involved to ensure the transaction gets done!

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How Does ACG Get Paid?

Absolute Consultant Group (ACG) has a team of professionals ready to work with the local broker to get your property sold in time . If the transaction closes successfully then we will get our payment directly from CCO Mortgage from the escrow closing account but if the transaction fails to close we will not get our payment. Usually the amount paid to us comes from the amount that is awarded to the brokers involved in the deal. Usually the seller will have to spend nothing for this service. Call for details 888-934-3444.

Understanding The CCO Mortgage Short Sale Status

The CCO Mortgage Short sale package consists of a fairly lengthy document and difficult to complete. CCO Mortgage have not be able to do anything yet to make the short sale process easy for its consumers but that’s why ACG is here to assist you with your application for the short sale process to get mortgage assistance from your servicer.

Assistance CCO Mortgage

For all challenges related to CCO Mortgage you will have to contact ACG. For all of your mortgage relief services we will be a one stop shop. From start to finish we will work with you through the whole short sale process.

Call Us 888-934-3444 Today.

CCO Mortgage Mortgage Short Sale Package Breakdown

What is the CCO Mortgage Short Sale Package? When you are applying for a short sale with CCO Mortgage a package called CCO Mortgage Request for Mortgage Assistance (RMA) is the first thing they will require of you. Always use he most recent paperwork while applying; It will be always better if you check with a professional first. Absolute Consultant Group(ACG) Website always has the most recent paperwork. ACG helps homeowners with their CCO Mortgage Loan Modification and Short Sale process. There are 6 Sections to the standard CCO Mortgage Short Sale Package.

Need Assistance With A CCO Mortgage?


Need Assistance With A CCO Mortgage?


Short Sale RMA Package PDF Breakdown:

Hardship Affidavit Application Check List

  1. Borrower Information In this section you have to put all the details of the borrower and Co Borrower (if any).
  2. Hardship Statement You have to explain the hardsship faced by you in this section
  3. Expense foe household  In this section you are required to put  all details realted to household assets.
  4. Information for Government monitoring purposes In this section you are encouraged to fill out the information like ethnicity and race of borrower and co-borrower.
  5. DODD-FRANK Certification In this section you will have to certify to a certain things like you have not committed any felonies like theft money laundering, tax evasions etc
  6. Acknowledgement and Agreement In this section you have to certify that all of the information in RMA is truthful and hardship idtentified has contrubuted to submission of this request for mortgage assistance.

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Disclaimer: Using The Wrong Form May Lead To A Denial

We provide mortgage servicers mortgage assistance package, forms, and applications to for educational purposes only. This is a sample document used to obtain mortgage assistance relief workout programs with your mortgage servicer. Prior to completing the form contact your (your client's) Mortgage's servicing department OR one of our professionals at 888-934-3444 to make sure they are sending the right loan modification or short sale package. Your home loan servicer, whether dealing with a Home Loan Modification or Short Sale (mortgage settlement, short pay off or discounted payoff) RMA Package offered on this website may not be the correct package depending on your investor. By downloading this RMA (Request for Mortgage Assistance) from our website does not guarantee loan modification assistance or any other mortgage relief programs to try to avoid foreclosure through mortgage servicer, its agents, employees, affiliates or subsidiaries. Prior to the use of any documents you should consult an attorney.

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