YOU HAVE
OPTIONS.
WE KNOW
ALL OF THEM.
Facing foreclosure, missed payments, or an unaffordable mortgage? A short sale may be your fastest path to financial recovery — without the years of damage foreclosure causes.
NEED A SHORT SALE
You don't have to be in foreclosure yet for a short sale to make sense. If any of these apply to you, let's talk immediately.
Behind on Mortgage Payments
One missed payment can start the foreclosure clock. Acting now protects your options and your credit score.
Underwater on Your Home
You owe more than your home is worth. A short sale lets you get out from under the debt — potentially without owing a dime.
Job Loss or Income Drop
Life changes fast. Divorce, illness, job loss — if you can no longer afford your payments, a short sale may be the cleanest exit.
Received a Notice of Default
A NOD is a formal warning. You may still have enough time for a short sale — but you need to move now.
Going Through Divorce
When you need to separate joint assets quickly, a short sale can close the chapter on your shared home without years of legal fights.
Facing Relocation or Medical Crisis
Unexpected life events shouldn't force you into financial ruin. A short sale can provide the fresh start you need to move forward.
SALE WORKS
It's more straightforward than most people think — and with an experienced agent guiding you, every step is handled for you.
Free Consultation
We review your situation — home value, what you owe, your lender, and your goals. No pressure, no judgment. Just honest answers.
Lender Negotiation
We communicate directly with your lender on your behalf, building the case for short sale approval and pushing for deficiency forgiveness.
List & Market
We price and market your home strategically to attract qualified buyers fast — minimizing time, stress, and additional financial damage.
Close & Move Forward
Once approved, we close the sale. You walk away with your debt resolved, your credit protected as much as possible, and a clean slate.
FORECLOSURE
Foreclosure isn't just embarrassing — it causes lasting financial damage that follows you for years. See the difference.
❌ Foreclosure
- ✗Stays on your credit for 7 years
- ✗Credit score drops 200–300+ points
- ✗Can still be pursued for deficiency balance
- ✗Public record — visible to employers & landlords
- ✗Ineligible for new mortgage for 5–7 years
- ✗Emotionally draining & drawn out process
✓ Short Sale
- ✓Much less credit damage than foreclosure
- ✓Credit score drops significantly less
- ✓Lender may forgive remaining balance
- ✓More private — far less stigma
- ✓Can qualify for new mortgage in 2–3 years
- ✓You stay in control of the process
Heather Keays
Real Estate Advisor · Simply Vegas
NV License # S.55442
Licensed Nevada real estate professional with deep expertise in short sales, lender negotiations, and distressed property transactions across the Las Vegas Valley.
CAN DO THIS
Short sales are complex. They require understanding lender guidelines, building compelling hardship cases, managing timelines, and negotiating aggressively on your behalf. Most agents don't have the experience — or the patience — to do it right.
At One Stop Short Sale, this is all we focus on. We know the process inside and out, we know what lenders need, and we know how to get your short sale approved — and your deficiency waived whenever possible.
The consultation is completely free. There is no out-of-pocket cost to you — our commission is paid by the lender at closing.
Speak with an Expert TodayEVERY QUESTION
Here are the answers homeowners ask us most. Don't see yours? Call us — we'll give you a straight answer.
Do I have to be in foreclosure to do a short sale?
No. In fact, starting the short sale process before foreclosure begins gives you the most options and the best outcome. Contact us as early as possible.
Will my lender actually agree to a short sale?
Lenders approve short sales regularly because it costs them less than foreclosure. With proper documentation and an experienced negotiator, approval rates are high.
What does this cost me?
Nothing out of pocket. Our commission is paid by the lender as part of the short sale approval. You pay zero fees — ever.
Will I still owe money after the sale?
We work aggressively to negotiate deficiency forgiveness — meaning the difference between what you owe and what the home sells for is waived by the lender. Results vary, but this is a primary goal.
How long does a short sale take?
Typically 60–120 days from list to close, depending on the lender. It's longer than a traditional sale, but moving quickly saves you from further credit damage and legal exposure.
Can I do a short sale if I have two loans or an HOA lien?
Yes. Multiple lienholders make the process more complex, but we have extensive experience negotiating with second lenders and HOAs to get deals done.
Will this affect my taxes?
Potentially. Forgiven debt can sometimes be treated as taxable income. We strongly recommend speaking with a tax advisor about your specific situation — we can refer you to one.
Can I stay in the home during the process?
In most cases, yes. You remain in your home during the short sale process. This gives you stability while we work to resolve the situation.
CONSULTATION
Tell us a little about your situation. We'll respond within 24 hours — often the same day. Everything is completely confidential.
100% Confidential
Your information is never shared. This consultation is private, judgment-free, and completely without obligation.
Fast Response
We know time matters. You'll hear from us within 24 hours — often within a few hours during business days.
Zero Cost to You
Our services are paid by the lender at closing. You will never receive a bill from us — guaranteed.
25 Years of Experience
You're not talking to a generalist. You're talking to one of the most experienced short sale agents available.
Request Your Free Consultation
Speak directly with Heather Keays — no obligation, no cost, just honest answers from someone who knows short sales inside and out.
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