Need Help With a Short Sale?
Drowning in Mortgage Debt? We Close Short Sales Fast — So You Can Move On
For Homeowners
Know Your Options
We understand that there are hundreds of thousands of people every year who get hit with one of life's unexpected curve balls, forcing them into a challenging situation. Most have no idea what options are available. We know life can get complicated, that's why we want to arm you with the knowledge to make the best decisions about your property.
Understand ... You Do Have Options!
Our company specializes in helping people solve their mortgage problems and we are here to help you. We facilitate short sales for people who want or need to sell, but we are always available to offer helpful information, or to explain the other options that may be available to you! We never charge a fee to homeowners/borrowers. A brief phone conversation or email could help!
Sell Your Home
If you want to sell your home as fast as possible with the fewest headaches, and it's a short sale then you are in the right place! We handle all aspects of the short sale process.
From arranging to have one of our expert Realtor affiliates list the property to negotiating with your lien holders. We can get the short sale done on any house in any condition, in any area and with any amount of debt.
Fill out your information below and a representative will contact you as quickly as possible, usually the same business day.
Homeowner Assistance
We work with homeowners like you every single day. If you have a question about how a short sale works or how it could affect your credit, give us a call. We have a dedicated, caring staff that's always available to help. We pride ourselves on our knowledge and the experience we have, but we are most proud of being blessed with the ability to help people who've been caught up in the effects of difficult time in their life.
We understand that our sellers didn't create the hardship they suffer with and we don't judge them. Most of our sellers are people just like us...our neighbors, our fellow workers, our friends. We'd be proud to help you.
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About Us
Short Sale Connection LLC is a loss mitigation solution provider. We provide answers to the tough questions facing homeowners in foreclosure. SSC offers solutions for real estate agents & attorneys in need of professional short sale negotiations.
SSC employs some of the most experienced negotiators from around the country. These professionals are highly trained in the intricacies and bureaucracy of lending institutions. We know what strategies to use with each particular lender.
SSC helps close more short sales than any other company in Pennsylvania. We're very good at what we do because we care about people, and about helping them solve their mortgage difficulties.
The Nation’s Trusted Short Sale Experts — Since 2007
Short Sale Connection (SSC) is a REALTOR®-owned and operated loss mitigation provider specializing
exclusively in short sales. Since 2007, we've helped close over 4,000 transactions, making us one of the largest
and most experienced short sale negotiation firms in the country.
We work directly with national lenders and maintain long-standing relationships with the largest mortgage institutions.
We understand their systems, guidelines, and exactly what it takes to get your short sale approved and closed.
Our expertise includes:
Bankruptcy-related short sales
FHA, VA, USDA, and Reverse Mortgage cases
Fannie Mae and Freddie Mac properties
Estate and probate short sales
Handled complex cases? We have.
From federal tax liens, second or third mortgages, HOA balances, municipal liens, credit card judgments, divorces,
to even incarcerated sellers — chances are, we’ve already resolved it.
We don’t just do short sales. We specialize in them.
And we take pride in helping homeowners, agents, attorneys, title companies, and buyers navigate difficult deals
and achieve successful closings.
If it’s a short sale, we’re the team to call.
Blogs
FHA Short Sales: What the Approval to Participate (ATP) Really Means
New Blog Post Description ...more
Shortsale
July 09, 2025•2 min read
6 Critical Questions to Ask the Lender Before Starting a Short Sale
New Blog Post Description ...more
Shortsale
July 09, 2025•1 min read
TESTIMONIALS
What others are saying
''Ross got it done -2 times now for me. Don't do a short sale without him.''
- Kim Marks
''Adding Short Sale Connection to my team was a great decision. I’ve used other Short Sale Companies, however I was impressed with Ross’ negotiations with the lender. I look forward to having SSC on my team when I run into a short sale.''
- Stanard
"I have known Ross for more than 30 years. I trust him.
Ross and the Short Sale Connection Team are awesome.The smartest people in the world are those that know what they DON’T know!"
- Steve Thompson
''Ross did what many said could not be done and sold our Front Street, Harrisburg property quickly and efficiently. He made us realize it could absolutely be done and proved to be the best at doing just that. Ross is truly the "short sale whisperer " and he comes highly recommended!''
- Kelly Rich Bernhard
''Ross works hard and is very on top of things. He kept me in the loop at every step of the transaction. I learned a lot from him. I will definately be working with him again.''
- Tifphani C Johnson
"As a realtor, I was looking for help with one of my listings that was considered a short sale. Ross and his team were very helpful and knowledgeable throughout the entire process. Ross was super responsive and answered any questions I had regarding short sales. I highly recommend Ross at Short Sale Connection to anyone looking for assistance during the short sale process."
- Tim Moore
STILL NOT SURE?
Frequently Asked Questions
What is a short sale?
A short sale occurs when the lender agrees to accept less than the full mortgage payoff to avoid the expense of foreclosure. It's a strategic option when the home's value is below the loan balance
Who qualifies for a short sale?
Typically, borrowers must demonstrate:
Lack of affordability of current mortgage payments
Little or no home equity
Financial hardship (e.g., job loss, divorce, medical bills)
Lenders may consider underwater properties even if payments are current
Do I need to be behind on payments?
Not always—but most lenders require proof of hardship and often prefer the borrower be 60–90 days delinquent
What paperwork is required?
Expect hardship letters, bank statements, income documents, expense worksheets, the purchase contract, and lender-specific short sale forms (UBAF, RMA, etc.)
How long does the process take?
Typically 60–90 days, though complex situations with liens or imminent foreclosure may extend the timeline
How does a short sale affect credit?
It's less damaging than foreclosure—marked “settled for less than full balance” and stays on credit for roughly 3–5 years versus 7 for foreclosure
What if the offer is rejected?
A rejected offer provides insight into the lender’s acceptable price, helping you adjust and re-list the property to eventually close the deal
Short Sale Connection (SSC) is a loss mitigation provider. As one of the largest short sale negotiation companies in the country, we answer questions for sellers burdened with excessive property liens and facing foreclosure.
We provide solutions to Real Estate Agents, Attorneys, and Title Companies.
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