Mortgage Loan After a Short Sale

If you’re one of the millions of individuals that faced a short sale or a foreclosure in the last couple of years, there are many programs available today to get you back into a home.


While millions of Americans were struggling to resolve their mortgage issues, many weren’t able to do so and ended up Short Selling or having their home foreclosed upon.     Many federally insured programs allow for a person to buy a home 1-3 years after a short sale, we’d like to help expedite that process. There are many factors that will effect   your ability to qualify after a short sale.  Like most loan scenarios, credit, down payment and Debt to Income Ratios are looked at.

Over the years, we’ve qualified thousands of people, and we’d like to help you get back in to a home.  Like most loans, we’ll focus upon the major underwriting guidelines to make sure you’re getting the best rates possible.  Whether you’re looking for a VA loan, an FHA, or a Conventional loan, with over 110 lenders, we have the program that’s right for you.


Our FREE 10 step process to get you back into a home:


-Pull and Monitor Credit Report.  We can help you Improve your credit score. We’ve increased credit scores as much as 100 points in 9 days.

-Collect and Scan all necessary documentation to qualify for a loan.

-Council you on any unpaid charge offs/discuss the statute of limitations on bad debt, develop a strategy to get creditors paid off.

– Remove other blemishes on your credit report through a Rapid Rescore.

Prequalify you with full approval from one of our 110+ lenders.

-Establish a Debt to Income Ratio in order for you to understand what you can and can’t afford.

-Set you up on an automatic daily drip mail that will send you properties that you are qualified to buy.

-Send out a prequalification letter on your behalf, and a letter of endorsement stating that you have an AUS approval.

-Set you up on an automatic home search designed to show you properties in your area that you are qualified for.

-Refer you to a qualified Realtor when you’re ready.

Get back in to a home with a Federally Insured Loan from California’s largest wholesale lender.


If you’re interested in learning more, please call today.









Nick Vaccaro                                        Stephen Smith

Mortgage Banker                                                      Loss Mitigation

858-217-5363                                                          858-218-6232





Work with a Mortgage Broker who is personally ranked by the BBB.

Dear Nick –

I can’t even begin to tell you how much you have helped me over the last 6 months.  I know that you can see from my financials, and tax returns and hardship letter that the last 6 years haven’t been the easiest for me.  Quite frankly, I didn’t think that I could ever pull myself back to a situation where I was financially stable and could provide a home .. . . all by myself. . .for me and my 2 girls.  When you looked at my 570 credit score and didn’t immediately hang up the phone, I suddenly didn’t feel quite so ashamed about the past few years. For me, this house is much less about four walls, and so much about  regaining my self-respect and my independence.

I can’t tell you how much I appreciate your patience, and explaining things 15 times over and understanding how anxious I was about every decision and not getting frustrated with me. . . well at least not that I could see.. . .I’m sure Melissa knows different. (Ha). . .

I appreciate you working at 10pm last night when you could have easily said you would take care of it tomorrow.

In an industry that probably doesn’t have the greatest reputation for caring about the little people, you have been  an incredible  example of what it’s like to really invest in your clients. . . not just for the commission, but because you really seem to take an interest in people.  So , if you ever wonder if you have the power to change peoples’ lives. . you really do . . .because you did for me.

Thanks so much

Have an awesome weekend! I know I will:)

Nicole E

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