Short Sale Solutions In Arizona When You Owe More Than Your Home Is Worth

A Negotiated Sale With A Real Plan For What’s Next

A short sale lets you sell your home for less than the loan balance with lender approval. Lancer Law builds the package, coordinates with your agent and escrow, and pushes for written releases so you can move on. We explain timelines, buyer demands, and how second liens or HOA arrears affect approvals in Tucson, Oro Valley, and across Pima County.

Complete Hardship Files And A Serious Buyer

We prepare financials, a market-based valuation, and a clean purchase contract with short-sale addenda. If multiple liens exist, we negotiate allocation of proceeds and secure payoffs. We also manage appraisal or BPO challenges that can stall approvals and keep buyers engaged when banks request updates.

Aim For A True Fresh Start

Where possible, we pursue a written deficiency waiver so the lender won’t seek the difference post-closing. We’ll explain how Arizona law, loan type, and occupancy can affect deficiency exposure and coordinate with your tax professional regarding potential 1099-C issues. Clear expectations now prevent surprises later.

Choose The Least Disruptive Exit

For many homeowners, a loan modification can stabilize payments and avoid selling. Others may consider a deed in lieu for a faster handoff when marketing isn’t realistic. If timelines are compressed, understanding foreclosure law helps you protect rights while you decide. We lay out each route so you can pick the best fit.

Common Questions About Short Sale