Can I Stay Current On My Mortgage And Still Short Sale?

Hello, Kelly Cook here with the Cook & Associates Real Estate Advisors, your :k1: short sale specialist. We can be found online at; we’re part of The Real Brokerage here in :k1:. We specialize in helping homeowners find alternatives to foreclosure through the means of a short sale.

The topic we’re discussing today is a pretty interesting one because it has quite a few misconceptions about it. It’s a question asked frequently and that is, “If I’m current on my mortgage can I still short sale?” The quick answer is yes, you absolutely can. We have completed short sales for clients while they have stayed current throughout the entire process, however, it’s a challenging battle to fight with the banks; this is unfortunately the reality of the situation. A small percentage of all the short sales we’ve ever done have involved the client staying current on their mortgage. It’s something that we’re more than happy to take on and attempt the short sale because we can’t advise a homeowner to either miss a payment or remain current. That’s not our job; our job is to do the very best to try and short sale your home. If you are behind on your mortgage, that does motivate the bank to work a little bit harder to get your short sale approved.

So, yes, you can remain current on your home and still do a short sale, but it depends on a few specific scenarios. Give us a call today because we’d love to talk to you about it and your specific situation. Give us a call or email us at You can also go to and it will instantly tell you what your home is worth. If you’re underwater, you can determine from there if a short sale is right for you. Thanks again for joining me; I look forward to helping you with your situation and determining if a short sale is right for you.