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Real Estate

The difference between a Short-sale and Foreclosure.

Unfortunately, when a homeowner is facing financial hardship and falls behind on mortgage payments or simply owe more on the mortgage than what the house can sell for, we run into a short-sale or foreclosure situation.

Here’s the difference:

A short sale is when a homeowner owes $150,000 on the mortgage but is selling the house for $120,000. The lender must sign off on the decision to short sale the property. An explanation for the short sale is required. No short sale can occur without lenders approval. Short sales are lengthy and requires a lot of paperwork. It can take up to 12 months to complete a short sale purchase.

A foreclosure is when a homeowner stops making mortgage payments and cannot afford to keep the mortgage. The bank will seize the property. Foreclosures are enforced by the lenders. The lenders will put the house up for sale hoping to clear the mortgage. If the homeowner is occupying the home during the foreclosure process, they will be evicted. Unlike short sales, foreclosures do not take long to complete.

For more information on short sales and foreclosures or if you’re interested in purchasing a short sale or foreclosed property, please contact me.

If you or someone you know are in a distressed situation and possibly facing a short sale or foreclosure, please give me a call or send me an email ASAP. I may have a CASH buyer for you.



Hello and welcome to my site! I was born and raised in Huntsville, Alabama. I have spent nearly a decade in the fitness industry as a group fitness instructor, fitness coach, membership director and marketing coordinator. I have managed to change lives of hundreds of people all throughout North Alabama by inspiring, motivating and helping them realize that their fitness goals can become a reality. The fulfillment I received from working directly with customers is what led me to the Real Estate field. After working with real estate investors and being in the fitness industry, I decided to pursue a career as a real estate agent full-time so that I could apply those same skills when helping clients with one of the most important purchases they'll ever make. My goal when it comes to helping others is to be extremely passionate and dedicated. As a former Membership Director, I understand the importance of honesty; integrity and excellence that goes into completing contracts and insuring buyers and sellers receive the best, exciting and memorable experience ever by being a leader and relieving my clients of any duties. With extensive experience in management, team leading and marketing, I am able to utilize those skills when working with buyers and sellers. I have served as a member on the marketing team at the University Fitness Center (University of Alabama in Huntsville) and have attended countless Business Expos and Health Fairs on behalf of the fitness center. I am also a member of the Huntsville Area Association of Realtors (HAAR) and currently serve on the Education Committee, I am also a member of the National Association of Realtors and the North Alabama Multiple Listing Service (NALMLS). Clients choose to work with me because of my personality, knowledge in the market, professionalism and exclusive marketing skills. In my first year of Real Estate, I was named Rookie of Year and sold over $2 million dollars in Real Estate. When I am not working with clients, I enjoy spending time with my family and friends, teaching group fitness classes, baking and blogging! Check out my website to find homes for sale in Huntsville, Al, Madison, Al, Meridianville, etc. I can also provide you with a list of foreclosures and short-sales. I look forward to connecting with you!

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