Owe more than your home is worth?
Let's look at your options.
If a short sale has come up in your life, you probably have a lot of questions and a lot of worry. Bill and Judy Nazaroff help Fresno, Clovis, Kerman, and Madera homeowners understand what a short sale really means, how lender approval works, and whether it is even the right path, with honesty and zero judgment.
36+
Years in real estate
540+
Homes sold
2
Sides of a short sale: lender and owner
4
Communities we serve
What it is ★ A short sale, explained plainly
The lender agrees to accept less, and we help you get there
A short sale happens when a home sells for less than the amount owed on the mortgage, and the lender agrees to accept the sale proceeds as full or partial settlement. It is not a foreclosure, and it is not something to be ashamed of; it is a negotiation between you, your lender, and a buyer, with real outcomes you can understand before you start.
The honest part we make sure you hear: a short sale is not the right answer for every homeowner who owes more than their home is worth. Sometimes a loan modification, a repayment plan, or another path serves you better. We are real estate professionals, not attorneys or tax advisors, and we will tell you exactly where you need those experts on your side.
If a short sale does fit, the process has a shape: paperwork, a hardship explanation, lender review, and ultimately lender approval of the sale terms. It takes patience, and it takes someone who knows how to communicate with lender teams. That is the experience we bring, alongside the respect you deserve.
- Homeowners who owe more than the home is worth
- Owners facing hardship and wondering what a short sale means
- Homeowners who want to understand options before deciding
- Anyone who wants honest, non-judgmental guidance
How it works ★ Four clear steps
What a short sale involves
Step by step, at your pace, with every step explained before you take it.
An honest review of your situation
We start with the numbers: what your home is worth today, what you owe, and where you stand. You will get a straight read on whether a short sale is even the right path, because sometimes it is not.
Understand every option clearly
We explain the difference between a short sale and the alternatives, in plain language, with the real trade-offs of each. You make the decision from understanding, not fear.
Navigate lender approval together
A short sale requires the lender to accept less than what is owed, which means a detailed approval process. We help you prepare what is needed and communicate with the lender and their team step by step.
Sell and close on approved terms
Once the lender approves, we market the home, negotiate the offer, and guide the paperwork to closing, keeping you informed at every step until it is done.
Bill Nazaroff · RE Broker · CA DRE License 00957752
Why The Nazaroff Team ★ Straight answers when you need them most
You will never be left guessing
Hard situations call for clear communication, and that is our specialty. We will tell you what we know, what we do not know yet, and what happens next, in language that makes sense. You will never get a runaround from us, and you will never be made to feel like this is your fault. It is not.
With 60+ combined years in Fresno-area real estate, including work with lender approval processes, we know how to keep a short sale moving and how to be honest about the parts that depend on others. Your goals come first, and we carry the stress of the details so you do not have to.
- 60+ years of combined real estate experience
- 540+ homes sold across the Fresno area
- Compassionate, non-judgmental guidance
- Experience working through lender approval processes
- Local to Fresno, Clovis, Kerman, and Madera
Free consultation · No pressure · No obligation
Talk it through, with no judgment
Share a little about your situation and where you are in the process. We will listen, explain your options honestly, and tell you plainly what we can do to help. No pressure and no obligation.
Not sure which option fits? Let's talk, no pressure
Every situation is different, and the right path depends on your goals, your timeline, and your home. Call, email, or send a message and we will listen first, then help you see the options clearly. No pressure, ever.
Or call us directly at 559-272-8554 · moreinfo@nazaroff.com