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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 info@acgnow.com 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 If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

EverHome 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 EverHome Mortgage Froms

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 EverHome Mortgage By Yourself?!

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?Are You Still Dealing With EverHome By Yourself?!?

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EverHome Mortgage RMA Short Sale Package Forms

Limited Time Offer Coupon!

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

Limited Time Offer Coupon!

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

Step 1: EverHome Mortgage Short Sale Experts

Find out why no one knows more than we do.

Finding The Right Short Sale Agent

Finding The Right Agent

Finding a right professional is the most important thing  while dealing with your short sale . Although it is a commonly occuring thing but still there are very few experts in the market that properly know how to deal with it. We believe that surprises should be kept to a minimum and If at any point you can’t figure out where to turn to, we have got a great team of elite professionals nationwide. Click here to request a call from a short sale pro or call 888-934-3444. 

Get The Short Sale Listing On The Market

Get The Property Listed!

One more step you will have to do before starting short sale process and that is to get your property listed. A broker will work with you so that your property gets a fair review so lender will expect that you do this. 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 that a property has been properly listed. You can not proceed further untill this process has been completed  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:  In some situations EverHome may prequalify you to do a short sale and they may even tell you to how much to list the home as. Keep in mind that all of this is misleading because you will still need to do a full and standard short sale review.

Step 2: The Short Sale Offer

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

Real Estate Short Sale Definition

What is a short sale?

Short sale is when the offered amount for the property is not enough to pay off all the debts taken against the property then in real estate. EverHome will never 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. non-recurring closing costs, settlement fees, past due taxes, attorney 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

Patience is always an important quality of a potential. A buyer who is ready to wait is always better than an all cash buyer and even the buyer whose offer is more. To make sure the offer is solid the broker will need to interview the candidates. Not only the buyer is important but the broker representing is also very important.

Previously Approved Short Sales

Previously Approved EverHome Short Sale

Often some brokers are misleading by advertising that their short sale was previously approved by EverHome. Even if their short sale had previously approved by EverHome and all the terms were met still they will need to make a complete review once you have an offer.

Pro Tip: Lenders can only review one offer at a time. The process can be hard and have a lot of hoops to jump through. Make sure you choose the one most likely to close. The highest offer is not always the best offer.

Step 3: Submit EverHome Short Sale Package

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

EverHome Short Sale Submittal

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

What is in the EverHome Short Sale Package?

Usually all the lenders require the same kind of documents and EverHome 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. That’s only the beginning. As a short sale seller it will be a requirement from you 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 such as ours should be able to pick out the items that will most likely be asked of by your lender. If your lender has to request items it’s likely they passed over your short sale when it could have been reviewed.

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

 

EverHome Short Sale Value

Getting The Right Value Goes A Long Way.

There is only one way of knowing whether you qualify for the short sale or not and that is by completing a value. In order to complete a value the agent compares similar properties which are either currently listed or have been sold within 3 to 6 months. 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 are considered by the agent. Market conditions and how fast homes are selling in the area are taken into consideration. There are many factors that are taken into consideration.

EverHome Short Sale Appraisal

Short Sale Appraisal Values

A lender is always supporting EverHome Mortgage and that lender is already facing a loss so the lender will want to complete a Broker’s Price Opinion (BPO). In case the lender requires a deeper insight they will obtain an appraisal. 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.

EverHome Mortgage Value Disputes and Variances

Filing Value Disputes and Variances

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

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

Step 5: Finalize Short Sale Terms

 

How Long Does A EverHome Mortgage Short Sale Take

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

At that undersigned will have to decide whether you qualify for the short sale or not and whether to forward your file to the management. Usually an auditting process must occur before presenting the file to the management and then there is a another before issuing the approval letter.

EverHome Mortgage Short Sale Counters

EverHome Mortgage Counters Short Sale

Unfortunately this can also prove to be tough time as this is also the time when EverHome Mortgage may challenge your short sale or 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. Easy tasks can be done by anyone 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.

Closing of short sale process is very similar to the closing of typical escrow processes. Once all debt holders have given their approval, you will be allowed to 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

EverHome 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 it. It depends on delinquency 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 EverHome Mortgage’s Management. Results may vary greatly but the best part of our services is we only get paid if the transaction successfully closes (we are generally paid from the real estate comissions awarded to the agents involved and paid out of EverHome 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?

We (Absolute Consultant Group) can work with a local broker to get your property sold. EverHome Mortgage will pay us directly from an account called escrow closing account. We will not get our payment If the transaction fails to close. We get our compensation from the amount that is paid 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 EverHome Short Sale Status

You may have already noticed that the EverHome Package is a fairly difficult and lengthy document. EverHome have still not made the process simpler for the consumer 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 For EverHome

We will be the only people you will have to contact for all your EverHome related challenges. We will be the only stop you need for all the mortgage relief services. We will work with you through the whole short sale process from start to finish.

Call Us 888-934-3444 Today.

EverHome Short Sale Package Breakdown

What is the EverHome Short Sale Package? The first requirement when you apply for EverHome Short sale will be that you will have to submit complete EverHome Request for Mortgage Assistance (RMA) Package. The most important thing to take care of when applying is to always submit the latest paperwork; Before submiting always check with a professional. The paperwork we last found was put up on the Absolute Consultant Group(ACG) Website. ACG helps homeowners with their EverHome Loan Modification and Short Sale process.

There are 5 Sections to the standard EverHome Short Sale Package.

Need Assistance With A EverHome Mortgage?

 

Need Assistance With A EverHome Mortgage?

 

Short Sale RMA Package PDF Breakdown:

Hardship Affidavit Application Check List

  1. Borrower Information This section requires the complete information of the borrower and co-borrower.
  2. Household Assets This section will require that you fill out all the details of all the assets currently owned. You have to explain household income, expenses and debts etc.
  3. Hardship Affidavit  This section requires the details of the hardship which the consumer is facing and the type of hardship.
  4. Borrower acknowledgemet and Agreement This section lists the terms and conditions for your application for mortgage assistance.
  5. 4506T – The final document in the whole page is the 4506-t which is used in order to verify the tax returns that you provided.  Make sure to follow the directions throughly.

EverHome Mortgage Is Difficult. Don't Go It Alone. Professionals Standing By.

 

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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