San Diego Short Sale Attorney & Expert


As a licensed California attorney with decade of real estate experience, Michael Gaddis, J.D. has the in-depth knowledge and expertise needed to effectively negotiate with lenders and banks to assist homeowners with their distressed properties. His successful track record of over 100 successful short sales and nearing 1000 successful loan modifications speaks to his ability to fortuitously handle the many trying obstacles that arise through these transactions. If you have exhausted all other efforts and you know it’s time to short sell your home, Michael Gaddis, J.D. will ensure the process runs as smoothly and timely as possible.

Why trust this difficult time and rigorous, complicated negotiation to a sales agent when you can have an Short Sale Attorney and Expert protecting your interests? Contact Michael Gaddis, J.D. today to schedule a complimentary initial consultation. You may be surprised as what you discover when you get your questioned answered by a professional. It is not uncommon for our clients who are “certain” they must sell their home, to discover they have other options for recourse. Most Realtors’ sole objective is to sell your home, ours is to understand your scenario and give you all your options and to protect your best interests. Find out what all of your short sale options are when you meet with a Real Estate Broker and Attorney.


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                    Successful Short Sales | Short Sale Timeline | When to Short Sell  | How to Find a Short Sale Realtor


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What to Expect from a Short Sale and Timeline of a Short Sale

Friday, October 2nd, 2015 by Michael Gaddis, J.D. Realty Group

Radio host and short sale expert Michael Gaddis, J.D. of Michael Gaddis, J.D. Realty Group recently discussed short sales on his radio show which airs on KCBQ AM1170 The Answer.  On his September 30, 2015 episode of “The Michael Gaddis Show” Michael Gaddis, J.D. began by discussing how to properly select a real estate professional to represent you in a short sale.  Michael Gaddis, J.D. stated that not all real estate agents are created equally and that although every single one of them will tell you they are experts at short sales to be careful.  Short sales can be very difficult and challenging even for the most experienced agents.  Appreciating home values and challenges from HOA liens, junior liens and  judgment liens can create serious problems.  The average real estate agent is simply not equipped to handle the complexities that many short sales present.  Michael Gaddis, J.D.…

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Difficult Short Sale Closed in Roseville, CA

Monday, September 21st, 2015 by Michael Gaddis, J.D. Realty Group

Michael Gaddis, J.D. of Michael Gaddis, J.D. Realty Group recently closed a very difficult short sale in Roseville, CA.  The short sale was difficult for three primary reasons:  1) the first loan was serviced by Select Portfolio Servicing (“SPS”); 2) the borrower had a 2nd loan encumbering the property serviced by Greentree; and 3) the property was a condo and the HOA had issued a pre-litigation “Notice to Builder.”  The Combination of SPS and Greentree can be lethal to most real estate professionals.  SPS continuously challenged the value making every attempt to get more and more money.  Greentree is notorious for being a difficult 2nd lien holder and are known for always asking for more than what the 1st lien holder allocates for the 2nd lien release.  If you have Greentree as a 2nd lien holder and desire to short sell your property you really need to contact Michael Gaddis, J.D.  However, the worse problem was the pre-litigation status of the HOA.  Whenever the property is a condo and there is any type of litigation involving the HOA lenders get extremely hesitant to lend money.  At first Michael Gaddis, J.D.…

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San Diego Short Sale Expert and Radio Host Michael Gaddis Discusses Short Sales

Friday, September 11th, 2015 by Michael Gaddis, J.D. Realty Group

Short sale expert Michael Gaddis, J.D. of Michael Gaddis, J.D. Realty Group discussed the status of the short sale real estate market as of September 9, 2015.  Michael Gaddis, J.D. hosts “The Michael Gaddis Show” on KCBQ AM1170 The Answer discussing anything and everything related to real estate.  Michael Gaddis, J.D. is unique among real estate professionals in that in addition to being a top producing Realtor he is also a licensed CA attorney and the NMLS licensed mortgage broker of Frontier Loan Group, Inc.  During the show Michael Gaddis, J.D.…

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Notice of Default: When To Short Sell

Monday, October 6th, 2014 by Michael Gaddis, J.D. Realty Group

Every month thousands of homeowners located in Orange County, Riverside County and San Diego County receive a Notice of Default from their lender.  A Notice of Default (“NOD”) signals the beginning of the foreclosure process and should be an indicator to the homeowner that they need to try and find a resolution as quickly as possible.  In California, lenders have to wait 90 days from the day the NOD is filed before they can issue a Notice of Trustee Sale (“NOT”).  The sale date indicated in the NOT has to be 21 days from the filing of the NOT.  In effect, once a NOD is filed the clock starts ticking.  While there are ways to delay or prolong the foreclosure deadlines, one thing is for sure, eventually, if the homeowner fails to reinstate the past due amount or refuses to obtain a loan modification or fails to successfully short sell the property their home will be foreclosed on.…

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