National Short Sale Help - Powered by Weichert - Generations

05/29/2026

According to the U.S. Department of Housing and Urban Development FHA Backed homes represent 58% of all short sale listings.

05/29/2026

🚨 Short Sale Myth: The Seller Will Always Owe the Deficiency 🚨

This is probably the most common myth I hear from agents.

A client mentions they're behind on payments, facing foreclosure, or owe more than the house is worth, and the question becomes: "Will I still owe that Money?"

🚨 Short Sale Myth: The Seller Will Always Owe the Deficiency 🚨

This is probably the most common myth I hear from agents.

A client mentions they're behind on payments, facing foreclosure, or owe more than the house is worth, and the conversation immediately turns into, "Well, they'll still owe all that money anyway."

Not necessarily.

Many lenders waive the deficiency as part of the short sale approval process. Some may request a contribution, and some situations are more complex, but the assumption that every seller will walk away owing the full deficiency simply isn't true.

The problem is that this myth causes some agents to dismiss the short sale conversation before it even starts.

When a client is facing foreclosure, they need options. They need facts. They need someone willing to dig deeper than what they've heard around the office.

Every lender, investor, loan type, and hardship situation is different. That's why it's so important to understand the basics before advising a homeowner on their next steps.

If you have a client facing foreclosure, don't let myths keep you from exploring solutions that could help them move forward.

05/26/2026

Short Sales on their own will not ruin your credit. The missed payments will! Often times my clients are able to purchase a new home around three years from the short sale. Will a short sale work for you? Call today - 816-405-4866

04/15/2026

We would love to give a great big Hello Yellow to the Lumos Team! A great group of people with a background in investment real estate that will help investors, or other clients alike. Reach out and see if they can help you with your real estate needs! Mark Andrew ColombattoJenny Olson-Paden

01/26/2026

💡 Things you might not know about partial claims:

They’re more common than you think.

They can affect your mortgage for years.

They don’t go away on their own.

Understanding them can make a big difference in your options.

If you’re unsure how a partial claim might impact you or your clients, let’s talk. Knowledge is power—and you don’t have to navigate it alone.

📞 Call today to discuss your options!

01/21/2026

Did you know Missouri is a non-judicial foreclosure state? That means the process doesn’t go through the courts, which can make it faster than in judicial states.

On average, a foreclosure in Missouri can take about 120 days from start to finish but every situation is different. If you’re facing foreclosure or just want to understand your options, let’s talk. You don’t have to navigate this alone.

📞 Call today to discuss your next steps. 816-405-4866

01/19/2026

Not all distress is created the same,
And knowing the difference can change the whole game.
Don’t rush, don’t guess, don’t promise too fast
Lead with clarity. That’s how trust lasts.
Because when agents know which road to take,
Families land softer and fewer hearts break.

01/12/2026

Partial claims are more common than you might think and they can have a big impact on your mortgage down the road. If you have questions about how a partial claim might affect you or your clients, don’t wait to get answers.

📞 Reach out today 816-405-4866

01/11/2026

01/08/2026

Falling behind on your mortgage even after a loan modification? You’re not alone. Many homeowners are finding themselves back in a tough spot, and it can feel overwhelming.
The good news? There are options—and you don’t have to figure it out alone. Let’s talk about your situation and what steps you can take to get back on track.
📞 Call today to discuss your options and take the first step toward relief. - Jenny Olson-Paden - 816-405-4866