With the decline in the housing market and the failing economy, a home owner may have a need to sell but cannot get a contract for more than the pay off of the mortgage.  When that happens, banks may take less than the pay off amount and this is referred to as a short sale.  Many times short sales provide buyers with fantastic opportunities on properties.  A contract for a short sale has to be agreed to by the bank holding the mortgage and the home owner.  I am very knowledgeable about this process and welcome any home owner wishing to offer his/her property for short sale and any buyer who is interested in purchasing properties offered for short sale.

Thank You,

Ruby Spearman

864-230-7210  or  homesbyruby@cs.com