The Workforce Initiative Subsidy for Homeownership (WISH) Program
The WISH program provides first-time homebuyers with matching grants to assist with down payments and closing costs. It is specifically designed to support low- to moderate-income households in achieving homeownership.
A Short Sale occurs when the proceeds from selling your home are insufficient to cover the mortgage balance, commissions, and other closing costs. This situation is common in today’s market, particularly for homeowners who purchased with little to no down payment or financed a significant portion of the purchase price. Many homeowners believe their only options are foreclosure, bankruptcy, or remaining stuck with their property—often because they are unaware of the Short Sale alternative.
In a Short Sale, the lender agrees to accept less than the full amount owed as a “payment in full” to prevent foreclosure. If approved for the lender’s Short Sale program, the lender will “write off” the remaining mortgage balance, allowing the home to be sold at market value while covering standard closing costs.
We guide you through the entire process, handling the necessary paperwork and negotiations. Since Short Sales can be complex and dealing with lenders can be challenging, having an experienced team on your side makes a significant difference. Once the process is complete, your home is sold, you won’t need to bring any money to closing, and a foreclosure won’t appear on your credit report. Our compensation comes from the commission paid by the lender, meaning there are no out-of-pocket costs to you.
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