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Our Mission at Heefner Nelson Law is to complete successful short sales for homeowners, Realtors®, brokers, and investors. We handle each case specifically based on the client’s individual needs and requirements—always using care and a personal touch. We want our clients to feel that we are doing everything possible to complete the process with minimal complications while maintaining confidentiality, integrity, and honesty. It is our goal to provide a successful close to all of our transactions.

Heefner Nelson Law has experts trained in loss mitigation procedures. Our experts are committed in negotiations and processing of the short sale and will do their utmost to accomplish the most beneficial results possible.

Unlike other loss mitigation companies, our primary focus is on the successful completion of a short sale. We attempt to maintain a modicum of neutrality and objectivity throughout the course of the transaction. Our contact with lenders is effective because they know we are working for both the seller and the buyer as a third party negotiator.

Our trained staff works to analyze, negotiate, and assist in the closing of short sales. We service all transactions that will be closed in the state of Minnesota by working with major lending institutions, local credit unions, and private lenders.

Heefner Nelson Law has partnered with The Holara Group, LLC in the negotiations of short sales.  For over nineteen years, Deanna Lara, Realtor in the Twin Cities and owner of The Holara Group, LLC, has built a solid reputation in the real estate market. The Holara Group, LLC was established in 2009 in an effort to assist homeowners and Realtors struggling in today's market. The Holara Group, LLC is committed to providing quality service to the community and homeowners in need of assistance with any hardship they may be having with a real estate transaction. The Holara Group, LLC has been negotiating short sales for more than 4 years and has dealt with distressed properties for more than 18 years.    (For additional information and required forms, please see www.theholaragroup.com.)

What is a Short Sale?

Instead of accepting foreclosure and surrendering your home, a Minnesota short sale allows you to make a deal with your lender so you can avoid foreclosure and the other pitfalls that come with it.

A short sale occurs when your home is sold for less than what you currently owe on the house. If the short sale is close to the market value and, with the right short sale agent, it is possible that the lending company will allow a short sale to happen.

You are able to sell your home and the bank may let the difference slide, allowing you to benefit from the debt forgiveness.

Why do lenders allow Short Sales?

It’s simple really. Often a short sale has a far better return on an investment to the lender than a foreclosure. The average savings a lender sees from a short sale property is far higher than the savings of a foreclosed property. Not only does the lender receive higher savings when they allow a short sale, they also get paid on the loan 6 months earlier than in the foreclosure process. This allows them to collect and cash-out earlier than they would if they foreclosed on the property. In addition, in a foreclosure, the lender will have to pay their attorneys to complete the process. Lenders created the short sale process as an alternative to foreclosure for those reasons. It is a win-win situation for the banks to allow short sales. They do not look at this as helping a borrower; they look at it as a positive solution to a very costly and time consuming process.

How long does the Short Sale process usually take?

The entire process of a short sale generally takes 30 to 90 days (1 to 3 months). All situations are unique, and each lender has its own policies and processing times. Therefore, we cannot guarantee a specific time frame for the processing of a short sale.

Can you guarantee that my Short Sale will be successful?

We can guarantee that we will do all that is required to complete a successful short sale. Unfortunately, we cannot guarantee that the lending institution will approve the short sale. At Heefner Nelson Law, we know what the lenders require and are looking for as a discounted price. This makes our success level much higher.

Contact our firm for a free initial consultation today and get the experienced legal defense team of Heefner Nelson Law on your side! Call us at 1-651-289-5577 or e-mail us at to set up an appointment.

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Heefner Nelson Law
Attorneys At Law

   Trust & Integrity...the Key to a Successful Client Relationship

155 South Wabasha Street, Suite 125
St. Paul, Minnesota  55107
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Heefner Nelson Law represents clients within the state of Minnesota, which includes all seven Metro Counties and Greater Minnesota.

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