When you short sell your house, it is a difficult decision; however, it is reassuring to know that this process is better, compared to facing foreclosure. Besides the process of a short sale, the closing could also be difficult for you. Below are some difficulties you have to undergo to be successful in your short sale.

1. The right package of your proposal must be presented clearly to the bank or your mortgage lender.  You have to submit all the necessary documents such as a hardship letter, complete documentation of your financial status, the appraisal of your property and a legitimate offer to purchase your home. Bear in mind, that some lenders would not want to take your house. You must be patient in dealing with them. Make sure that you are able to submit all the needed requirements of else they will put your proposal at the bottom of their file and you may lose your opportunity to convince them.

2. You should be able to sell your house at least eighty-percent of its market value. This could be quite difficult for you since your home’s value may be lesser than the prevailing prices in the market. It is harder to sell if a government guarantee loan is not possible.

3. This process could take a lot of your determination in order to get your lender to agree on doing a short sale on your home. You must exercise friendliness and exert effort to make then like you. You have to accept that this process could also mean a longer waiting period and being passed on from one person to another and explaining your situation repeatedly. They could tell you that files got lost and that the last person you talked to has made some error.

4. Since you have to negotiate with your lender, this could take much longer than the typical selling process. This could also mean twice the work for you. The amount of waiting could be exhausting. Normally, lenders could take a month or more to respond to your proposal. Many buyers backed out from a short sale because of the waiting and red tape involved.

5. If the lender questions and disagrees with your presented value, this is another delay to the short sale process. You could lose a prospective buyer because your transactions are considered invalid without the lenders’ go signal.

6. An approval could pose a difficulty since a lender normally wants to recoup as much of their money as possible. They will determine whether the amount they get from the short sale is more than what they could get from an auction. If they believe that a foreclosure could give them more gain, they will reject your short sale offer.

            These difficulties in the short sale process usually discourage buyers from looking at short sale properties. However, for those who have enough patience, this sale could mean a considerable amount of money saved on a property and a relief to the seller.

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