Captiva Financial Group

CAPTIVA
FINANCIAL GROUP, LLC

1-866-670-6917

Qualifying

We PURCHASE YOUR HOME and do ALL THE NEGOTIATIONS with your lender. However, qualifiying for the short sale does require that you help us meet the lender requirements.

To begin you will be asked the following questions by one of our Negotiators:

1. When did you purchase your home?
2. Have you refinanced since then?
3. What is the current balance of your 1st mortgage?
4. Do you have a second mortgage or a Home Equity Line of Credit?
5. When was the last mortgage payment you made?
6. Are you currently employed?
7. Have you received a foreclosure notice from your lender?

Once we have determined that you qualify under these preliminary guidelines, you will be sent a
package which includes:

A Letter of Authorization
Lenders typically do not want to disclose any of your personal information without written authorization to do so. This form allows us to negotiate on your behalf.

Preliminary Net Sheet
This is an estimated closing statement that shows the sales price you expect to receive and all the costs of sale, unpaid loan balances, outstanding payments due and late fees, including real estate commissions, if any.

Hardship Letter
This is understandably one of the most important documents. This letter describes in your words how you got into this financial situation and makes a plea to the lender to accept less than full payment. Examples of hardship include losing your job, hospitalization, illness or and accident that prevented you from working.

Income and Assets
You need to provide us with your 2 most recent paystubs, W-2's for the last two years, and the first 2 pages of your personal income tax returns, and 2 - 4 months of recent checking accounts, savings accounts, and any other assets statements.

Purchase Agreement
A signed and executed agreement to sell your property at a discounted price that will be presented to the lender.

                                                                 CALL US TODAY TO QUALIFY

                                                                              1-877-214-8580

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