Behind on the mortgage? You still have a way out.
If the payments have gotten away from you, you are not out of options — and you don’t have to hand your home to the bank. There’s a path most homeowners are never told about, and it costs you nothing.
Life happens. A job ends, a marriage ends, a health problem hits, or the payment simply grew past the paycheck. Thousands of Pennsylvania homeowners fall behind every year — and the ones who come out okay are the ones who act before the bank decides for them.
Do nothing
Missed payments, late fees, and interest keep piling up while the letters get scarier. This path ends in foreclosure anyway — just with more debt and less time to plan.
Let it foreclose
The bank takes the home and sells it at a public sheriff sale. Your credit takes the biggest hit possible, and buying again can take up to seven years.
Sell it as a short sale
We sell your home like a normal listing — even though you owe more than it’s worth — and a professional team gets your lender to agree. No sheriff sale, and no cost to you.
| Foreclosure | Short sale | |
|---|---|---|
| Your credit | The most severe hit there is; follows you for years | Noticeably softer; recovery starts sooner |
| Buying again | Up to 7 years before most lenders say yes | Possible again in as little as 2 years |
| Cost to you | Legal costs and fees | $0 — the bank and buyer pay the fees |
| How it looks | A public sheriff sale on the courthouse steps | A normal home sale with a sign in the yard |
| Who’s in control | The bank and the court | You, with a team working for you |
| Moving money | None | Some lenders pay relocation help at closing |
You sell your home for what it’s actually worth today — even if that’s less than what you still owe — and your mortgage company agrees to accept it and close out the loan.
A private conversation
You reach out. We talk through your situation — no judgment, no obligation, and nothing goes on a sign or a website. If a short sale isn’t your best move, we’ll tell you that too.
We list and sell your home
That’s our job. Your home goes on the market like any other listing — professional photos, real marketing, real buyers. To the neighborhood, it’s simply a home for sale.
Abba negotiates with your lender
We partner with Abba Loss Mitigation, attorney-backed short-sale specialists right here in South Central PA. Short sales are all they do — they deal with your bank, the paperwork, and any other liens, and they can often postpone a scheduled sheriff sale while they work.
The bank approves the sale
Once an offer is in, Abba pushes it through the lender’s approval process and negotiates the terms of the settlement in writing.
You close, and you move forward
The home sells, the mortgage is settled, and the foreclosure never happens. Some lenders even pay relocation money at closing — and in as little as two years you could own again.
Abba Loss Mitigation has been doing this — and only this — since 2007. They meet every homeowner personally, they’re backed by attorneys, and they don’t get paid unless your short sale actually settles. Neither do we.
Homeowners who choose a short sale don’t spend years digging out from a foreclosure. They close, hand over the keys on their terms, and start over — often owning again in about two years.
One quiet conversation could change everything.
No pressure, no obligation, and completely confidential. Even if you just want to understand your options, that’s exactly what this call is for.