Short Sales for Military Families in Eastern North Carolina
We help military families in Onslow County navigate VA Short Sales, avoid foreclosure, and move forward with confidence.
100% Confidential.
No Upfront Fees.
Short Sales for Military Families in Eastern North Carolina
We help military families in Onslow County navigate VA Short Sales, avoid foreclosure, and move forward with confidence.
100% Confidential.
No Upfront Fees.
What is Short Sale?
A short sale is when someone sells their house for less money than they still owe on their mortgage. Typically there needs to be a documented hardship for the mortgage company to approve the short sale. Hardship examples include: PCS orders, discharge from the military, divorce, medical issues, injury, or death. Seller Owe More on the House than the House Can Sell For
When Does a Short Sale Make Sense:
Experience
What Sets Us Apart
Widely Trusted & Local Experts for VA Short Sales
Seller Owes More on the House than the House Can Sell For
Market Rent Will Not Cover the Mortgage
How it Works
We walk you through each stage of the short sale process. No guessing, no delays—just a clear path forward with a team that knows what lenders need to say yes.
How it Works
We walk you through each stage of the short sale process. No guessing, no delays—just a clear path forward with a team that knows what lenders need to say yes.
1. Hire an Experience Agent
Short sales are not standard listings. You need a team that understands lender timelines, required documents, and how to avoid costly mistakes from the start.
2. List the House
We price and list your home strategically to attract qualified buyers who understand the short sale process and are prepared to move forward.
3. Prepare and Build Your File
First we gather your financial documents, hardship letter, and supporting hardship information for the bank. A complete package from the start prevents delays and costly restarts.
4. Submit and Coordinate
We present your case to the lender with a strong offer and clean documentation. We manage appraisals, inspections, and lender conditions while pushing for approval without slowing the process.
5. Close and Move On
Once approved, we coordinate the final steps and guide you through closing. You’re finished with the lender process and free to start your next chapter.
How it Works
We walk you through each stage of the short sale process. No guessing, no delays—just a clear path forward with a team that knows what lenders need to say yes.
Hire an Experience Agent
Short sales are not standard listings. You need a team that understands lender timelines, required documents, and how to avoid costly mistakes from the start.
Enlist the House
We price and list your home strategically to attract qualified buyers who understand the short sale process and are prepared to move forward.
Prepare and Build Your File
First we gather your financial documents, hardship letter, and supporting hardship information for the bank. A complete package from the start prevents delays and costly restarts.
Submit and Coordinate
We present your case to the lender with a strong offer and clean documentation. We manage appraisals, inspections, and lender conditions while pushing for approval without slowing the process.
Close and Move On
Once approved, we coordinate the final steps and guide you through closing. You’re finished with the lender process and free to start your next chapter.
What Sets Us Apart
Widely Trusted & Local Experts for VA Short Sales
What Sets Us Apart
Widely Trusted & Local Experts for VA Short Sales
Specialized VA Expertise
We know how lenders think and what they need
Clear Process Guidance
No surprises, just straight answers
Local Military Expertise
We understand Camp Lejeune and Eastern North Carolina
Dealing with a Hardship is Stressful.
Your Real Estate Representation Should Not be.
Dealing with a Hardship is Stressful.
Your Real Estate Representation Should Not be.
Time Saved
Months instead of years waiting for approval
Credit Protected
Faster resolution means less damage to your score
Stress Reduced
We handle the lender process so you don't have to
Time Saved
Months instead of years waiting for approval
Credit Protected
Faster resolution means less damage to your score
Stress Reduced
We handle the lender process so you don't have to
Frequently Asked Questions
Can I do a short sale if my loan is a VA loan?
Yes. A VA loan can be short sold, but your servicer (and often the Department of Veterans Affairs) must approve it, and sometimes the VA has a role depending on how the loss is handled.
Does the VA have to approve the short sale too, or just the lender?
Usually the servicer is the primary decision-maker while following guidelines set forth by the investor (in the case of a VA loan, the Department of Veterans Affairs is the investor). The VA may become involved depending on the case, especially when deficiency/claim issues come into play.
Do VA short sales take longer than a normal short sale?
Not in our experience, the VA is clear in their approval guidelines and the pace of the approval is driven by the servicer not by the VA. The biggest time driver is almost always how complete the package is and how quickly valuations/conditions are resolved.
What if I’m current right now, will the lender/VA still consider it?
According to VA Guidelines, you do not have to be delinquent on your mortgage to qualify for a short sale. It is possible the lender may suggest something different, however that is not a VA Guideline. You still need a documented hardship and numbers that show the home can’t sell for enough to pay off the loan.
What if I already have a foreclosure notice or sale date, can we still do a VA short sale in time?
Sometimes, yes—but it’s a time-sensitive situation. The key is getting a complete package + a strong offer submitted quickly and pushing for a postponement when possible.
If I used my VA entitlement on this home, what happens to my entitlement if I short sell?
It depends on the final outcome of the loan claim/repayment situation and your VA history. Many people can use VA again, but available entitlement and timing can vary.
Will the VA pursue me for the deficiency?
It depends. Some short sales end with a clean release; others can result in a remaining balance/claim issue depending on the approval terms and how the loss is handled. The borrower can always negotiate a full release with the lender during the process. The North Carolina Real Estate Commission does not allow real estate agents, who are not attorneys, to negotiate with banks on behalf of the borrower.
Is there a way to get a full release so I’m not held responsible later?
That’s the goal. The important part is making sure the approval letter clearly states the terms, including whether there’s a deficiency waiver/release, before you close.
Real Stories From Families
Who Found Their Way Forward
This seller contacted us when they received orders to go to the drill field. They contacted us very early in the process and we were able to get them listed, under contact, short sale approval, and closed without them ever missing a mortgage payment. Their due diligence in contacting us early was one of the smartest decisions these sellers make in the listing process.
Life took an unexpected turn for this seller when he was discharged from the service. We were able to keep the home from going into foreclosure with a buzzer beater closing just before the New Year, and just before the short sale approval expired. The house was sold to a new family who brought it back to it's original glory!
The seller contacted us after he completed his loss mitigation package with his bank. He needed someone to get him an offer quickly to continue the short sale process. The day of listing we were able to secure an all cash investor offer for him and we got short sale approval in 22 days. This house remains our record for the fastest days from offer to approval.
This family contacted us after having their house as a rental for a while with another property management company. The condition of the home was poor and the sellers were in need of a short sale and an investor buyer due to condition. We were able to quickly get an offer from one of our trusted investors who was willing to go through the short sale process with us and get them closed quickly to avoid excessive damage to the seller's credit.
Life took an unexpected turn for this seller when he was discharged from the service. We were able to keep the home from going into foreclosure with a buzzer beater closing just before the New Year, and just before the short sale approval expired. The house was sold to a new family who brought it back to it's original glory!
Life took an unexpected turn for this seller when he was discharged from the service. We were able to keep the home from going into foreclosure with a buzzer beater closing just before the New Year, and just before the short sale approval expired. The house was sold to a new family who brought it back to it's original glory!
Real Stories From Families
Who Found Their Way Forward
This seller contacted us when they received orders to go to the drill field. They contacted us very early in the process and we were able to get them listed, under contact, short sale approval, and closed without them ever missing a mortgage payment. Their due diligence in contacting us early was one of the smartest decisions these sellers make in the listing process.
Life took an unexpected turn for this seller when he was discharged from the service. We were able to keep the home from going into foreclosure with a buzzer beater closing just before the New Year, and just before the short sale approval expired. The house was sold to a new family who brought it back to it's original glory!
The seller contacted us after he completed his loss mitigation package with his bank. He needed someone to get him an offer quickly to continue the short sale process. The day of listing we were able to secure an all cash investor offer for him and we got short sale approval in 22 days. This house remains our record for the fastest days from offer to approval.
Request a Consultation Now
We specialize in short sales and foreclosure avoidance when timelines are tight and mistakes are costly. Our team has handled hundreds of VA short sale and foreclosure transactions and understands lender-driven processes. We help homeowners facing PCS orders, medical hardships, and sudden market shifts move forward with a clear plan and confidence.
We specialize in short sales and foreclosure avoidance when timelines are tight and mistakes are costly. Our team has handled hundreds of VA short sale and foreclosure transactions and understands lender-driven processes. We help homeowners facing PCS orders, medical hardships, and sudden market shifts move forward with a clear plan and confidence.
(910) 939-4905
Jacksonville, NC 28546
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