5 out of 5 stars
Google
“I was scared about losing my home. The team walked me through every step. The bank approved the sale and I walked away with no debt.”
Maria T.
San Jose, CA
YOUR HOME SOLD GUARANTEED FOR 101% MARKET VALUE OR WE'LL PAY THE DIFFERENCE — AND IF IT DOESN'T SELL, WE'LL BUY IT FOR CASH!*™
"Foreclosure is NOT your only option"
Bay Area Short Sale SpecialistsStop Foreclosure.Protect Your Credit. Move Forward.
Bay Area short sale help. San Jose, Santa Clara, Fremont, and beyond. No cost to you.
A short sale in real estate means selling your home for less than you owe on your mortgage — with your lender's approval.
Free Consultation
Get Your Free Short Sale Analysis
200+Short Sales Closed
98%Deficiency Waiver Rate
87 daysAverage Time to Close
$0Out of Pocket to You
Trusted & Verified
Google Reviews110+ reviews
Zillow Reviews190+ reviews
Realtor.com220+ reviews
What are you trying to solve?
Every homeowner's situation is different. Find the path that fits yours.
I owe more than my home is worth
Learn how a short sale lets you sell without covering the difference — and without a deficiency judgment in most California cases.
Explore this solutionI'm behind on my mortgage or facing foreclosure
A short sale can stop the foreclosure process before the auction date and protect your credit from the worst long-term damage.
Explore this solutionI need help getting my short sale approved
Understand what lenders require, how long approval takes, and how an experienced negotiator makes the difference.
Explore this solutionI'm worried about my credit, taxes, or remaining debt
California law provides meaningful protections. Learn what actually happens to your finances — and what you can do to prepare.
Explore this solutionMy short sale situation is complicated
Second mortgages, divorce, inherited property, multiple liens — we specialize in the cases other agents avoid.
Explore this solutionWhy Homeowners Choose Us
We've helped hundreds of Bay Area homeowners find a way out — without foreclosure.
ShortSaleMyHome is a real estate firm. It helps Bay Area home owners do short sales. Broker Sharad Gupta has closed over 200. Counties: Santa Clara, Alameda, and San Joaquin. You pay nothing. The lender pays.
Expert Negotiators
Hundreds of short sales have been negotiated with lenders — with a deep understanding of their requirements and timelines.
Closes in 60–90 Days
Most Bay Area short sales close in 60 to 90 days from the time the package goes to the bank. Some banks move faster.
No Cost to You — Ever
The commission is paid by your lender as part of the short sale approval. You pay nothing upfront, nothing at closing, and nothing if the sale does not go through.
Compassionate Support
Financial hardship is stressful. You get treated with respect and kept informed every step of the way.
What is a short sale?
A short sale lets you sell your home for less than you owe. The bank must say yes first. It is one option that may help California homeowners who can no longer afford their mortgage. It may also help them avoid the full impact of foreclosure.
How a Short Sale Works: 3 Steps
A simple, transparent process to get you relief
1
Free Consultation
Your mortgage balance, home value, and hardship get reviewed. You get a clear picture of your options.
2
Prepare & Submit
Your financial documents get gathered and a compelling short sale package gets prepared for your lender.
3
Negotiate & Close
Your lender gets negotiated with directly. All paperwork gets handled. Written approval comes from the bank. Then closing.
Book My Free 15-Min Call
No cost. No obligation. Get answers in 15 minutes.
Learn More About Your Options
Guides written for Bay Area homeowners — plain language, no jargon.
Learn More About Short Sales
Watch short sale guides and real homeowner stories
Watch on YouTube
What Is a Short Sale?
A clear, plain-language explanation of how short sales work and whether one is right for your situation.
Watch on YouTube
Short Sale vs. Foreclosure
Understand the key differences — credit impact, timelines, and which option protects your future.
Watch on YouTube
The Truth About Taxes
Most homeowners owe zero taxes after a short sale. Here is what you need to know before you close.
What Homeowners Are Saying
Real reviews from real clients. Verified on Google, Zillow, and Realtor.
5 out of 5 stars
Zillow
“We were underwater and did not know where to turn. The team got the bank to agree. We closed in 90 days and owed nothing.”
David & Karen L.
Santa Clara, CA
5 out of 5 stars
Google
“Professional and caring. They handled everything with our lender. We did not have to talk to the bank once.”
James R.
Milpitas, CA
5 out of 5 stars
Google
“After my divorce I was stuck with a mortgage I could not afford alone. The team explained every option clearly and never made me feel judged. The short sale closed in 90 days and I finally have peace of mind.”
Linda C.
Fremont, CA
5 out of 5 stars
Zillow
“I had two missed payments and thought foreclosure was coming. The team moved fast. The bank approved the sale and we closed on time.”
Marcus W.
Gilroy, CA
5 out of 5 stars
Google
“I was skeptical at first. I had heard short sales take forever. This one closed in 75 days. The team kept me informed the whole way.”
Patricia M.
Sunnyvale, CA
5 out of 5 stars
Zillow
“We were facing a job loss and could not keep up with payments. The team treated us with complete respect and walked us through every document. The process was far less painful than we feared.”
Raj & Priya S.
Cupertino, CA
5 out of 5 stars
Google
“The team explained everything in plain language and never rushed me. They got the bank to approve and I walked away clean.”
Rosa G.
Morgan Hill, CA
5 out of 5 stars
Zillow
“I tried to handle the short sale on my own for months and got nowhere. One call and things started moving right away. Their knowledge of lender requirements is unmatched.”
Tom B.
Campbell, CA
5 out of 5 stars
Google
“We were upside down after the market shifted. The team handled everything. The bank approved and we closed without owing a dime.”
Kevin & Amy H.
Tracy, CA
Common Short Sale Questions
Honest answers to the questions Bay Area homeowners ask most.
Ready to Stop Foreclosure?
Get your free short sale review today. Your situation gets looked at and all your options get explained. No cost. No pressure.
Book My Free 15-Min CallNo obligation. No cost to you.
100% private. No obligation. Fees paid by lender.