Seller Situations
A short sale, done before it becomes a foreclosure.
When you owe more than the house is worth, a short sale can end the burden without the foreclosure hammer. Garland negotiates with the lender's loss-mitigation team, prices the home against real Dallas-area comparables, and keeps you informed the whole way.
What a short sale actually is
A short sale happens when the mortgage is larger than the sale price, and the lender agrees to accept less than the balance to avoid a foreclosure. It is a negotiation, not a giveaway, and the lender has to approve the price, the contract, and the close. Garland brings the lender a defensible case: real comparables, a real buyer, and a real reason to take the settlement.
The price the market supports
Lenders approve short sales when the price is defensible. Garland builds it from current Dallas and Collin County comparables, so the lender's review favors you.
The file lenders need
Financial hardship letters, pay stubs, tax returns. Garland runs the paperwork so the lender's team gets a complete, prompt submission instead of excuses.
Protecting the exit
A short sale is usually a softer landing than a foreclosure on a credit report and a much softer one on the family. Garland keeps the goal in view: close it, cleanly.
Call before the notices pile up
The earlier you start, the more options you keep. If you are a payment behind or two, Garland can lay out the timeline: what the short-sale path requires, what the foreclosure timeline looks like, and where the alternatives fit. Acting early is the single biggest advantage a struggling Dallas-area homeowner has.
The honest boundaries
Garland is a realtor, not a foreclosure counselor, and a short sale is not always the right door. If a workout, a modification, or another route serves you better, he will name it and point you to the people who handle it. What he guarantees is a straight answer about your house and your options.
Always go with the Best!
Your plan, in writing, before you sign.
Book a free 30-minute call and Garland will walk through your situation, the numbers behind each option, and the timeline, with no pressure. If the numbers do not work for you, he tells you that straight.