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Gleaner Attorney at law\u003Cbr>\u003Cbr>March 2019 |  |\n| --- | --- |\n|  |  |\n\nWelcome!  \nThank you for choosing the Law Office of Robert Gleaner to help process and negotiate your short sale! We are delighted to begin working with you towards a successful closing! Our goal is to provide real estate professionalsand our clients with exceptional service from start to finish. By working with our team of experts, you have the best possible chance of successfully completing this short sale!  \nFor those unfamiliar with short sales, a short sale is a process whereby a lender, or mortgage company, agrees to allow a property to be sold for less than what is currently owed. Short sales have recently become more common after the housing crisis in 2008.  \nMany different challenges and variables affect the final outcome each time a short sale is attempted. Real estate agents may quickly find themselves overwhelmed with the amount of follow-up and attention which is typically required to successfully reach a closing. This is the reason why our office utilizes a team of experts who negotiate the most favorable terms and manage the entire process from start to finish. We will work hard to ensure your transaction is successful and handled with a superior level of care and professionalism.  \nWhat You’ll Find in this Packet  \nOn the next page you will find a list of documents required in order to begin processing your short sale. We will need the items on this checklist to be completed before we can begin work on your file. Once a complete package is received, and passes an initial review, it is submitted to the lender to begin the short sale process. At this point all communication with each lender will be coordinated though our office. Should you be contacted directly by a lender or mortgage company, simply direct them to contact our office.  \nContact Information  \nRobert A. Gleaner, Esq.  \n415 S. White Horse Pike  \nAudubon, NJ 08106  \nPhone: 856-546-8010  \n[rob@ragpc.com](rob@ragpc.com)  \nShort Sales Direct Phone: 908-838-9729  \nShort Sales Direct Fax: 908-838-9722  \nSHORT SALE CHECKLIST OF REQUIRED DOCUMENTS  \nREAD THIS FIRST:  \nEach lender has a varying set of processes to follow in order to complete a short sale, but many of them have similar items they request. The items below are required by all lenders and there will likely be document requests again in the future. Please have the following documents prepared as soon as possible. Please submit your package in the order listed below. Work will not begin if documents are deemed incomplete or illegible. Please substitute any document you are unable to provide with a separate signed note explaining why it could not be provided. If you have any questions please contact our short sale department at 908-838-9729.  \nPlease submit all documents via FAX, E-MAIL, OR HAND DELIVERY  \nREQUIRED DOCUMENTS FROM HOMEOWNER  \n□ Short Sale Cover Page (included in this package)  \n□ Legal Services Agreement (included in this package)  \n□ Authorization to Release Information (included in this package, one for each mortgage/lien)  \n□ Hardship Letter with Supporting Documents  \nA written explanation of hardship which should include any supporting documentation such as an  \nunemployment letter, medical records, proof of disability, etc. Must be signed and dated by homeowner.  \n□ *2 months of bank statements (checking, savings, mutual funds, etc…)  \n□ *2 most recent pay stubs  \n(one month total, if self-employed please include a current profit and loss statement.)  \n□ *2 years of IRS tax returns (Form 1040, W2, 1099 ONLY)  \n□ 4506-T Form(included in this package)  \n□ Copy of most recent mortgage statement for all loans and any other recent notices of a“servicer change”  \n□ Copy of documents representing any other liens on the property(if applicable)  \n* If there is a co-borrower listed on the mortgage, their documents must be provided in addition to the primary borrower.  \nREQUIRED DOCUMENTS FROM AGENT  \n□ MLS","cbCaipnnW2y3QjqU","https://ap.wps.com/l/cbCaipnnW2y3QjqU","pdf",550076,10,"English","# What You’ll Find in this Packet\n## Contact Information\n## Short Sale Checklist of Required Documents\n### Read This First\n## Required Documents from Homeowner\n## Required Documents from Agent\n## Short Sale Submission Cover Page 1 of 2\n## Short Sale Submission Cover Page 2 of 2","[{\"question\":\"What is a short sale and why does it involve lender approval?\",\"answer\":\"A short sale is a process where a lender agrees to allow the property to be sold for less than the amount currently owed. The lender’s approval is part of the requirement-driven process.\"},{\"question\":\"How should documents be submitted to start the short sale file?\",\"answer\":\"Documents must be submitted via fax, e-mail, or hand delivery. The checklist order must be followed, and work will not begin if documents are incomplete or illegible.\"},{\"question\":\"What documents are required from the homeowner?\",\"answer\":\"The homeowner is required to provide a Short Sale Cover Page, a Legal Services Agreement, an Authorization to Release Information (one per mortgage/lien), and a Hardship Letter with supporting documents. Additional items include two months of bank statements, two recent pay stubs, two years of IRS tax returns (Form 1040, W2, 1099 only), a 4506-T form, a copy of the most recent mortgage statement, and documents covering other liens if applicable.\"}]","Short Sale Instruction Packet - Required Document Checklist | PDF",1789513296]