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Bruce Clark from the Clark Group and Coldwell Banker: 949.285.1207: Orange County's Leading Luxury Home Broker

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NAR Certified Short Sale and Foreclosure Resource

The members of the Clark Group have achieved the National Association of REALTORS® (NAR) Short Sales and Foreclosure Resource certification. This gives us a framework for understanding how to properly work with those sellers and buyers who are going through a short sale.

There are many options available - over a dozen - but not every option may be right for you. We are very experienced at working with Orange County homeowners in distress. If you have missed, or anticipate missing, mortgage payments, the Clark Group can help. Call the Clark Group at 949-285-1207: all information will be held in the strictest of confidence.

Reasons to Avoid Foreclosure:

  • Many current and prospective employers run credit checks: a foreclosure can put a current position in jeopardy. Also, foreclosure is one of the top items that will put a potential new hire in jeopardy.
  • Security clearances, government positions, military and law enforcement, banking, financial services: many employers reconsider security clearances and jobs positions should one be foreclosed on.
  • You could end up with a much higher tax liability in a foreclosure than could result in a properly negotiated short sale since, in most cases, cancelled debt will be higher.
  • Credit: it will be much tougher - and take much longer - to buy a home with a foreclosure on ones record.
  • You may end up with a Deficiency Judgment (the bank may pursue you for the amount you owe less what they received at auction).

More Free Orange County Homeowner Solution Workshops Being Planned:

Not able to attend one of our workshops? Call Bruce Clark at 949-285-1207, email us, or sign-up for our mailing list for notification of all upcoming events, to reserve a seat at one of our free homeowner workshops, or to set-up a private consultation. Always seek legal counsel and a tax opinion before attempting to pursue a short sale, or modify a home loan. A real estate agent cannot give you legal or tax advice.

As of July, 2019, over 10.8% of Orange County homeowners are 'underwater' on their home: their loan balance(s) are greater than the value of their home - and 8% of all homes on the market are considered a distress sale. The Clark Group works with many homeowners on reviewing their options: with so many Orange County homeowners owing more on their home than it is currently valued at, we find that timely, accurate information is most important so that one can make an informed decision. Unfortuneately, for many, their choices become limited by the banks' lack of progress of a loan modification or principal reduction request - and the banks have begun foreclosure proceedings. (Click here for a chart showing the California Foreclosure Process.)

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Wise Words

"Most men lead lives of quiet desperation and go to the grave with the song still in them."

- Henry David Thoreau

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