Learn How to Settle Your Mortgage Debt 

It's possible to walk away from your house, get paid up to $30,000 and get a fresh start today.

tracie brooks

Our short sale negotiation service is free to you.

Our full-service short sale negotiation service is offered for free to homeowners. We are paid by the lender and/or the buyer.

kelly peterson

You get your short sale approved in the fastest time possible.

Every element of our short sale process is designed for speed and efficiency. We know that this is a difficult, challenging time, and we want to help you get through it as fast as possible.

amanda hause

And, we guarantee full settlement of your mortgage debt.

We are able to get a full settlement over 98% of the time. If the lender doesn't give a full settlement, we continue working with you, post-closing, until you have full and final satisfaction.

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"I feel like a huge weight has been lifted from my shoulders."

Thank you for helping myself and my family work out a deal with both our first and second mortgages. Now I owe them nothing and I was able to stay in my house for an additional 10 months past the foreclosure date thanks to Ark Law and your amazing team. I can finally move on with my life

Yon H.(Seller) Lynnwood, WA
"It was such a smooth transaction."

Thank you so much for helping us to sell our home with no problems or difficulties. It was such a smooth transaction. We greatly appreciate everything you have done. Thank you and God Bless!

Ricardo & Luz W.(Sellers) Graham, WA
"She was very responsive to all of my needs."

Amanda was awesome. She was very responsive to all of my needs and I was a demanding customer. She is a bright spot in your company and she deserves credit for hard work. :-)

Jeremy P.(Seller) Palermo, ME
* as of January 2014

Ark Academy

Frequently Asked Questions

Can I get paid to do a short sale?
Yes! The HAFA and FHA programs both pay up to $3,000 to the seller. They call it a "borrower relocation incentive." We've seen Chase pay up to $35,000 to borrowers with old WAMU loans. Bank of America has a co-op program that often pays out $7,000 in addition to the HAFA $3,000.
How does Ark Law Group get paid?
Our full-service short sale negotiation service is offered for free to homeowners. We are paid by the lender and/or the buyer.
How long does a short sale take?
The length of the time depends on who your lender is, the kind of loan you have, and who is negotiating your short sale. The time range is typically between 3-6 months.
Do I need a hardship to do a short sale?
The rules around hardship vary by lender and loan type. In many cases, simply defaulting on your loan is enough to get the lender to agree to a short sale. For example, if you have an FHA loan, are 90 days delinquent, and have a credit score below 620, you are automatically qualified for a short sale.
Why would the lender agree to take a loss?
If the lender is forced to foreclose on your house, they are then responsible for selling it. They already know they are going to lose money if that occurs. They would rather have you sell it now, as it will provide them more money than if they had to sell it themselves, and they will get the money sooner.
Will there be taxes on the forgiven debt?
Typically not. See our insolvency calculator.