Elizabeth Kayser, Esq.
St. Louis,  MO  63011
Ph: 636.220.2218

Short Sale Approvals  

We work closely with sellers, buyers, and real estate agents as well as title companies to facilitate, negotiate and finalize the short sale transaction. The firm also works with the sellers and the agent to obtain, process, and furnish short sale packages and other required information to the seller's lender(s). Our St Louis area firm's dedicated professionals of lawyers and file managers handle, coordinate, and work all required lender approvals to finalize your short sale transaction.  Kayser & Associates Short Sale Law Firm is a team of legal, tax and real estate professionals who have joined forces.  We provide you with the most experienced short sale professionals.  Individuals who have made it their focus to help you eliminate your mortgage debt as fast as possible and minimize any impact to your credit.


Avoid foreclosure at all costs.  Know your alternatives. 

AVOID foreclosure on your record. Avoiding foreclosure should be your absolute top priority. By saving your credit, you won't have to experience the frustration of trying to get a future mortgage, rent a nice house or apartment, or even get a fair insurance quote when you have severely damaged credit. Damaged credit will limit where you can move. Landlords and lenders will look closely at your ability to keep up with your financial obligations.

Your lender retains the right to come after you for any balance still owed should the proceeds of the foreclosure sale fail to satisfy the debt in full!


Mortgage applications currently ask if you've EVER had a foreclosure.

You'll have to say "YES" for the rest of your life… unless you avoid it right now by discovering your options and taking positive action today. Contact Kayser and Associates now, and let a local St Louis short sale attorney give you a better option. Don't file bankruptcy just to stop a foreclosure. Bankruptcy does not stop a foreclosure. It only delays it. You cannot avoid foreclosure by filing bankruptcy.


Beware of These Serious Red-Flag Situations

  • You are asked to sign over the title to your property
  • You are told there is a fee for the service
  • You are told there is a buyer for your property, even though it isn't listed yet

These are all signs that someone isn't looking out for your best interests.  You want to work with professionals who are in business to serve you.


Dear Agents,


At Kayser & Associates Law Group, we have 14 years in negotiating and vast experience in negotiating short sales with numerous lending institutions across the country.  If you are considering a short sale, please complete our Short Sale Worksheet without delay as earlier communications with the lender increase the likelihood of a successful negotiation.


Is short sale negotiation the practice of law?


There are 2 negotiations in a short sale. The 1st negotiation is between the buyer and seller in coming to an agreement on completing the blanks on the Offer to Purchase and Contract which is exactly what real estate agents do best. The 2nd negotiation is getting the lien holder(s) to agree to settle for less than what is owed and what will happen with the loss (deficiency judgments, 1099, and credit reporting) which generates stacks of legal documents that must be signed by the seller and therefore is considered to be the practice of law.


What will happen to the defaulting homeowner's credit and will they be responsible for the deficiency?


As you may already be aware, this particular type of transaction requires an attorney with the patience and knowledge necessary to persevere in the continual, and often times frustrating, discussions with the lender. Including one of our St Louis area short sale attorneys from the beginning will facilitate matters toward a quicker, successful short sale.


When should an attorney get involved and what is the fee?


A qualified attorney should be involved in the transaction immediately! On a daily basis we receive numerous Sales Agreements from real estate agents who have spent a lot of time and money on their listing only to become frustrated when we inform them that the transaction cannot be negotiated!   Wouldn't it be nice to find out if the deal will go through before you even take a listing and spend your precious time and hard earned money?  Now you can, by referring the client to this firm.  The reason you hear horror stories of Short Sales taking forever only to have your commission cut is because the real estate agent failed to qualify the transaction through an experienced attorney.  Do not end up like one of the daily agents we speak to who has wasted their time and money on a hopeless sale!  There is no consultation fee whatsoever; we'll speak to whomever you'd like in order to ensure you concentrate your effort towards worthy endeavors. You should not be answering these questions!  The questions above are best answered by an attorney who answers these questions on a daily basis! You do not want to make any representations whatsoever unless they're 100% accurate; the last thing you want is for your clients to mistakenly hold you accountable after the closing due  to something they misunderstood.  At Kayser & Associates we make your job as easy as possible by asking you do one thing: sell the home as close to the "fair market value" as possible. That's it. Do not answer any legal questions asked by your clients.  Simply refer them to this firm and we will handle everything.


What is the average offer percentage a Short Sale lender will reduce the oustanding principal when considering a Short Sale offer?


The answer is it does not matter whatsoever! It may initially seem counterintuitive; however, this is the reason why it is a reality.  When deciding whether to accept a short sale offer the lender will compare the offer to the alternative: simply letting the home go to foreclosure.  At a foreclosure auction potential bidders will take the "fair market value" into consideration; not the outstanding principal balance owed by the defaulting homeowner.  The short sale lender is aware of this fact and will apply the same principle to the offer that is presented. As long as the offer reflects the current appraised value the lender will ignore how much of a cut the deficiency is because that is what will happen at a foreclosure sale!

Lenders we work with include (but are not limited to):

Aurora Loan Services * Bank of America * Carrington Financial * CCO Mortgage *CitiFinancial * CitiMortgage * Dovenmuehle * EMC Mortgage * Flagstar * First Horizon * GMAC * Green Tree Financial * Heartland Bank * Home Eq * Horizon Bank * HSBC * IBM Lender Business Processing (LBPS) * IndyMac * JPMorgan Chase * LCS * Litton Loan Servicing * Met Life * National City Bank  * Nationstar * Ocwen Financial * OneWest Bank * PHH * PNC Bank * Paleco Credit Union * Pulaski Bank *Regions Mortgage * Saxon Mortgage * Select Servicing Portfolio * Seterus * Sun Trust * US Bank * United Bank * United Guaranty * Vericrest * Wells Fargo Bank. 


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The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship



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