Behind on payments? You still have options.
Avoid foreclosure. Sell your home before it's too late. Free, confidential help from a San Diego, CA short sale specialist.
- No upfront cost — your lender pays the fees
- Stop the foreclosure clock and protect your credit
- Walk away with no remaining mortgage debt (in most cases)
20+
Years Active
92%
Success Rate
$0
Cost to You
Get Your Free Options Report
Confidential. No obligation. Usually a same-day reply from Michael.
Six ways out — let's find the right one for you
Short Sale
Sell for less than you owe with lender approval. Walk away clean.
Learn more about Short SaleLoan Modification
Restructure your existing loan terms with your lender.
Learn more about Loan ModificationSell with Equity
If your home is worth more than you owe, a traditional sale.
Learn more about Sell with EquityThree steps. No pressure. No cost to you.
We talk confidentially
Quick call to understand your situation. No sales pitch.
I list and negotiate
I price the home, market it, and handle every conversation with your lender.
You close and move on
Sign the docs, walk away clean — typically 60–120 days.
The difference is bigger than most people realize
| Short Sale | Foreclosure | |
|---|---|---|
| Credit score drop | ~50–150 points | ~200–300 points |
| Years before next mortgage | ~2 years (often less) | ~7 years |
| Out-of-pocket cost | $0 — lender pays fees | Possible legal & fees |
| Public record | Closed sale | Foreclosure record |
| Control of process | You + your Realtor | Lender / trustee |
| Deficiency / leftover debt | Usually waived in CA | Possible (varies) |
Time matters more than you think.
Once a foreclosure auction date is set, your options shrink fast.
Hi, I'm Michael.
I'm a California-licensed real estate Realtor with 15+ years of experience and over 200 short sales closed. I specialize exclusively in distressed properties and have negotiated directly with every major lender — BofA, Chase, Wells Fargo, Rocket, US Bank. I push files daily and you'll always deal with me directly.
- 200+ California short sales personally closed
- Direct relationships at every major servicer
- You work with me — never an assistant
- Daily file pushes, weekly status updates
- No upfront fees, ever
"After several frustrating months of working with a 'Short Sale Specialist,' it was recommended that we contact Michael Perry. From the beginning, he put us at ease with his knowledge and expertise of the short sale process. He assisted with completing the paperwork correctly and ensured all of our documentation was in order before submitting to the bank. He negotiated, on our behalf, with the bank and was successful in getting the bank to approve the sale. My only regret is that I did not contact Michael sooner."
— Past client, California
Know what you're walking into
Short Sale 101: How It Actually Works in California
The 5 stages of a CA short sale, from listing to keys-handed-over.
NOD, NOS, Auction: Understanding California's Foreclosure Timeline
What each notice means and how much time you really have.
Short Sale vs. Foreclosure: The Real Credit Impact
Hard numbers on score recovery and future mortgage eligibility.
California Anti-Deficiency Laws: 580b, 580d, 580e Explained
Why most California homeowners walk away owing nothing.