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Jeffrey B. Tipton
Tipton Group Real Estate
3869 S. Bridal Vail Drive

Gilbert, AZ 85297

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Short Sales

It's hard to sleep when you are worried about your home...even in a room as beautiful and tranquil as this. Over the years, our team has helped many homeowners successfully short sale their home. Rarely is it an easy decision and we've found most people have suffered through several months of sleepless nights before picking up the phone to call us. 

We think knowing your options early can eliminate some sleepless nights. Call us today if you have questions about your options...

Negative Equity

According to CoreLogic, a leading provider of data and analytics, nearly 45% of Arizona homes with a mortgage have negative equity or near negative equity.

Negative equity, or in everyday terms, being “upside down” or “under-water” means that a homeowner owes more on their mortgage than their home is worth.  While Phoenix home prices have demonstrated positive upward momentum since October 2011, there are still many homeowners who are “under-water”.

For these homeowners, a short sale may be a viable option.  Currently 1 out of every 4 homes sold through the Arizona Regional MLS is a short sale.

What is a Short Sale?


Who Can Help Me With a Short Sale?

In Arizona, real estate agents and brokers are permitted by law to help borrowers negotiate short sales.  Attorneys and HUD Approved Housing Counseling Agencies may also provide short sale negotiation assistance.

In almost all cases, a lender will require that a home be listed with a real estate broker in the multiple listing service before they will approve a short sale.  So even if a homeowner elects to use an attorney to negotiate a short sale, a real estate broker will be involved in the short sale.

Why Choose Tipton Group Real Estate to Negotiate My Short Sale?

Tipton Group Real Estate has been helping Phoenix area homeowners with short sales for years.  Back when we started helping homeowners, short sale was still a “dirty word” and we were faxing short sale packages at midnight when everyone else was sleeping and the bank fax lines were not busy.

Today, the word “short sale” is no longer a dirty word and thanks to technology it is rare that we have to resort to late night faxing.

Our Short Sale Process


A short sale is not for everyone.  For a variety of reasons.  In our initial consultation we talk about short sales and talk about alternatives if you want to keep your home.  Sometimes these alternatives are options and sometimes they are not.

We also discuss the foreclosure process.  Which is not as scary as people think.  You will not come home one day and be surprised to find your stuff on the street.  We promise.  It just doesn’t work like that.

Lastly, we encourage you to talk with an attorney and a tax professional.  We are neither lawyers, nor CPAs so we cannot provide legal or tax advice.  Our goal is to give you enough information so you can ask the right questions or those you can give you legal and tax advice.

Due Diligence

This is where you have to do some work and maybe spend a little money.  Talk with an attorney.  Talk with a tax professional.  Unfortunately, they will probably charge you.

Talk with whomever you need to get your questions answered so you can make an informed decision.


If you decide a short sale is right for you, then we will ask you to fill out some form for us and to start gathering the documents required by most servicers.

If you are curious about the next steps go to our Start My Short Sale page.

Our Partners

A Short Sale or Foreclosure may have lingering legal and tax implications so it is important that any borrower facing short sale or foreclosure consult with attorneys and tax professionals who specialize in this area.

Over the years, Tipton Group Real Estate has developed relationships with attorneys, tax professionals, and HUD Approved Housing Counseling Agencies that specialize in issues related to short sale, foreclosure and loan modification.  We are happy to provide referrals to these professionals or to work with your existing attorney or tax professional.

Click Here for A List of Short Sale and Foreclosure Resources

Our Technology

Technology platforms like Short Sale Commander and Equator allow us to process our short sales and interact with lenders like Wells Fargo, Chase, GMAC and Bank of America in a secure and nearly paperless environment.

Here is a video on Short Sale Commander.

Our Team

Negotiating a short sale is not easy.  Experience and skill matter here.  While we can never guarantee results, we can say that we have a strong track record.  We believe this track record is a result of the way we have set up our short sale process and team.

In-House Negotiating and Processing

We handle all short sale negotiation and processing “in house”.  While some agents use third parties to handle this component, we feel that using our own staff ensures that everyone is focused on achieving a positive result for our clients.

In intense, time sensitive, negotiations by having processing and negotiating “in-house” we are able to re-assign staff to handle emergencies.  There are times when we may have 3 people on the phone at the same time working on a foreclosure postponement – one with the trustee, one with the servicer, and one with our client.

Dawn to Dusk

We also staff our team from dawn to dusk across the US time zone.  Many servicers are on the east coast so having staff working the east standard time zone has been beneficial to our short sale clients.

Education & Networks

We think a combination of education and experience is important.  Some of the designations our agents hold:

  • Certified Distressed Property Expert (CDPE)
  • Certified Short Sale Negotiator (CSSN)
  • Masters Certified Negotiation Expert (MCNE)
  • Short Sale & Foreclosure Resource (SFR)

Our firm is also on the Bank of America short sale professional resource lists and is a Chase Short Sale Priority Partner.

What Our Clients Have to Say


Jeffery Tipton | 480-216-9966 | Contact Us 
3869 S. Bridal Vail Drive, Gilbert, AZ 85297


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