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• Merri, I'm so very happy to have met you.  You've made my transaction in Las Vegas go so quickly and efficiently. You've made a difference in my life.  I love my golf course home, and cant wait to start golfing. We both appreciate you.  --Bob and Laura Kurth Steel Engineers incorporated.

• For the past few years, Merri has been an acquaintance; a friend of a friend.  For the past few months, she has been my realtor.  Now I can honestly say that she is an advisor and a friend.  Knowing her as a professional realtor shed a different light on personality traits that I have never seen before.  She is aggressive without being offensive, enthusiastic without being reckless, empathetic without being overbearing.  And most important, she is exactly the negotiator I want on my side.  I joke and call her my personal bulldog!!!
  I never felt like she would ever take advantage of me as a client which is difficult to find in today’s world.  I knew that no matter what she had the best interests of me and my family in front of everything else.  It was actually quite an experience witnessing the bargaining and transactions where Merri always appeared to have total control without relinquishing any charm.  Simple put, she is grace under fire. To answer the really important question, “Would I ever recommend her?”  My answer is, “I already have many times over!”  --Deborah

• Merri is an incredible realtor.  I don’t think we ever would have found the home of our dreams without her.  The thing we liked about Merri was she wasn’t in it to make money.  She cared more about finding us a house in our price range that we would love.  She wasn’t worried about losing sleep. She was often up at all hours of the night, including weekends, showing us homes and writing up offers.  I don’t know of any other realtor that would work that hard for a client.  She never let us get frustrated in our search.  She had absolute faith that we would find a home we could afford and was perfect for us.  Merri was absolutely wonderful.  There is no other realtor out there like her!  --January 2009 / Chris and Krystle Gallegos.
  

• I would like to thank you for all your hard work to get this house sold… I know so many people who are just walking away from the homes that are just to much to carry. I do believe that you came into my life so that I could get thu the other side of this… I will always remember how well you treated me without judging me. May you be  blessed in every thing that you do in your life...  May you keep laughing, dancing and living …. Because I will… --March 2009 / Adell
  

• Thanks Merri, you are one of the very best agents I have worked with over my 10 years in this business. Thanks again, Travis Hook, REALTOR

A short sale in real estate is not always a pleasant transaction. But using me and my team of experts gets the job done quickly, and easily.

There are many ways to lose a home but signing away ownership in a manner that destroys credit, embarrasses the family and strips an owner of dignity is one of the hardest. For owners who can no longer afford to keep mortgage payments current, there are alternatives to bankruptcy or foreclosure proceedings. One of those options is called a "short sale."

When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales.

If you are considering buying a short sale, there could be drawbacks. For your protection, I suggest that all borrowers:

• Call the Lender
  You may need to make a half dozen phone calls before you find the person responsible for handling short sales. You do not want to talk to the "real estate short sale" or "work out" department, you want the supervisor's name, the name of the individual capable of making a decision.

   

• Submit Letter of Authorization
  Lenders typically do not want to disclose any of your personal information without written authorization to do so. If you are working with a real estate agent, closing agent, title company or lawyer, you will receive better cooperation if you write a letter to the lender giving the lender permission to talk with those specific interested parties about your loan. The letter should include the following:
  
  
  • Property Address
  • Loan Reference Number
  • Your Name
  • The Date
  • Your Agent's Name & Contact Information

   

• Preliminary Net Sheet
  This is an estimated closing statement that shows the sales price you expect to receive and all the costs of sale, unpaid loan balances, outstanding payments due and late fees, including real estate commissions, if any. Your closing agent or lawyer should be able to prepare this for you, if you do not know how to calculate any of these fees. If the bottom line shows cash to the seller, you will probably not need a short sale.

   

• Hardship Letter
  The sadder, the better. This statement of facts describes how you got into this financial bind and makes a plea to the lender to accept less than full payment. Lenders are not inhumane and can understand if you lost your job, were hospitalized or a truck ran over your entire family, but lenders are not particularly empathetic to situations involving dishonesty or criminal behavior.

   

• Proof of Income and Assets
  It is best to be truthful and honest about your financial situation and disclose assets. Lenders will want to know if you have savings accounts, money market accounts, stocks or bonds, negotiable instruments, cash or other real estate or anything of tangible value. Lenders are not in the charity business and often require assurance that the debtor cannot pay back any of the debt that it is forgiving.

   

• Copies of Bank Statements
  If your bank statements reflect unaccountable deposits, large cash withdrawals or an unusual number of checks, it's probably a good idea to explain each of those line items to the lender. In addition, the lender might want you to account for each and every deposit so it can determine whether deposits will continue.

   

• Comparative Market Analysis
  Sometimes markets decline and property values fall. If this is part of the reason that you cannot sell your home for enough to pay off the lender, this fact should be substantiated for the lender through a comparative market analysis (CMA). Your real estate agent can prepare a CMA for you, which will show prices of similar homes:
  
  
  • Active on the market
  • Pending sales
  • Solds from the past six months.

   

• Purchase Agreement & Listing Agreement
  When you reach an agreement to sell with a prospective purchaser, the lender will want a copy of the offer, along with a copy of your listing agreement. Be prepared for the lender to renegotiate commissions and to refuse to pay for certain items such as home protection plans or termite inspections.