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Sandra Morris

Realtor, CSSS
Keller Williams Realty
M:
434-996-3243
O:
434-220-2296

Sandy is native of Albemarle County, having lived here throughout her lifetime. She has extensive knowledge in the Central VA area including references to restaurants, entertainment, and local attractions. Previously to finding her calling as a real estate agent, Sandy held the Director position of Customer Service at Holtzbrinck Publishing Services and Manager of Customer Service /Order Entry at Lexis Nexis for 20 years. She has worked as a dedicated, full time realtor since 2006. Although her certification is in short sales, her knowledge expands over the entire real estate market ranging from traditional, foreclosures, and land transactions. 

Sandy is known for going above and beyond in the course of business. Her energy and sense of urgency promises that she will work tirelessly for her clients, in the pursuit for the perfect home. She is passionate about real estate and recognizes that the process of buying or selling a home can be emotionally challenging and life-changing. Her patience, motivation, and reliability makes her an ideal real estate agent.

If any left over free time, Sandy enjoys being outdoors tending to her garden or creating and mastering projects around her country side home. She appreciates the warmth of a family atmosphere and is very passionate of cooking.

 Traditional Home Sale

The best way to sell a property at full price, when the property has at least 10% equity or more, is by listing your property with  a licensed real estate agent.   Equity is where the value of your real estate  is not overshadowed by a larger mortgage loan.  The advantage of selling a property through a traditional listing is that it will sell close to full market value.

Of course some agents are much, much better than others, and it's critical to choose the best one - namely one that has EXTENSIVE experience like my team.  When things go wrong, having the right one will save thousands of dollars.   

There are many benefits associated with a traditional home sale.  The current real estate market is booming with purchase offers.   Call or email me to sell your home today.

Short Sales

A short sale is a sale of real estate in which the proceeds from selling the property will fall short of the balance of debts secured by liens against the property.  The property owner cannot afford to repay the full amount of their mortgage.   Lien holders agree to release their lien on the real estate and accept less than the amount owed on the debt.  Any unpaid balance owed to the creditors is known as a deficiency.  Short sale agreements do not necessarily release borrowers from their obligations to repay any shortfalls on the loans, unless specifically agreed to between the parties.   Our success rate is over 80% for having deficiencies waived.   A short sale is has less of a negative effect on the Borrower's credit score than a foreclosure.   You can purchase another home in as little as 2 years.

There are several factors that can qualify you for a short sale, such as loss of job, reduction in pay, illness of a borrower, death of a spouse and more.   Call me to see if you qualify.

Foreclosures

With a foreclosure, the deficiency is not waived, so the borrower has to worry about possible collection activity.  The statute of limitations in Virginia gives the foreclosing lender five years after default to pursue the deficiency.  On the other hand, with a short sale, the Borrower has a reasonable chance of negotiating the waiver of the deficiency.    Of the deficiencies not waived, there is very little collection activity.  For the few instances the lender attempts to pursue the deficiency, they will settle for pennies on the dollar.  As a result, short sales are always preferable to a foreclosure, especially if the borrower is simply walking away from the home and pursuing a strategic foreclosure.

 

 

 

 

 

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Updated Sep 22, 2017 2:24:am
Information deemed reliable but not guaranteed. Listing data provided by Metropolitan Regional Information Systems, Inc.
Copyright ©2004-2017 Charlottesville Area Association of REALTORS ®. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the IDX Program of Charlottesville Area Association of REALTORS ®. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. Any use of search facilities of data on this site other than by a consumer interested in the purchase of real estate, is prohibited. Information last updated on Sep 22, 2017 2:19:am.