Business Details
Trusted Short Sale Solutions
CK Capital Management was founded by Denise and Bill McCormick to provide expert short sale solutions for homeowners facing financial hardship. With Denise's background in critical care nursing and Bill's financial services expertise, we combine empathy and industry knowledge to guide clients through complex short sale processes. Our team specializes in negotiating with mortgage companies to achieve favorable outcomes, ensuring homeowners avoid foreclosure while preserving their credit. We support realtors by managing all aspects of short sale transactions, from paperwork to final negotiations, allowing them to focus on business growth. With decades of combined experience, we maintain affiliations with multiple real estate boards and offer continuing education to enhance industry standards.Our fee-free services for homeowners are funded by mortgage companies, and we guarantee transparency throughout every transaction. By streamlining communication and leveraging proven processes, we consistently deliver higher approval rates and faster turnarounds. Our commitment extends beyond individual clients to community support through real estate board fundraising initiatives. As dedicated short sale specialists, we prioritize client well-being and professional excellence in every case we handle.
Services
Short Sale Assistance
Mortgage Debt Resolution
Realtor Support Services
Lien Negotiation
Foreclosure Prevention
Credit Recovery Guidance
Title Clearance Services
Continuing Education Programs
Homeowner Consultations
Transaction Management
Highlights and features
- We offer free short sale services to homeowners with all closing fees covered by mortgage companies
- Our team has decades of experience negotiating with major mortgage lenders
- We guarantee a pay-for-performance model with payment only upon successful sale closure
- We provide dedicated realtor support with industry-leading communication commitments
- Our processes achieve higher approval rates through specialized short sale expertise
Services
Short Sale Assistance
Our short sale specialists negotiate directly with mortgage companies to resolve debt when home values fall below loan balances. We manage all documentation and communications, ensuring homeowners avoid foreclosure while maintaining eligibility for future mortgages. Our proven processes achieve faster approvals and maximize debt forgiveness.
Realtor Support Services
We handle complete short sale management for realtors, including lender negotiations and paperwork processing. This service increases approval rates while eliminating time-consuming lender communications, allowing agents to focus on business growth. Our dedicated support team maintains transparent updates throughout the transaction lifecycle.
Lien Negotiation
Our team resolves outstanding liens from tax authorities, HOAs, and other entities to ensure clear property titles. We coordinate with multiple creditors to negotiate settlements that facilitate successful short sales. This comprehensive approach prevents transaction delays from unresolved encumbrances.
Homeowner Consultations
We provide personalized guidance to homeowners facing financial hardship, explaining short sale benefits versus foreclosure alternatives. Our consultations cover credit implications, future mortgage timelines, and debt forgiveness possibilities. All services are provided at no cost to the homeowner.
Continuing Education Programs
We offer accredited educational programs for realtors on short sale best practices and mortgage company negotiation strategies. These courses cover current industry regulations, documentation requirements, and case management techniques to improve transaction success rates.
People
Denise McCormick
Co-Founder
Former critical care nurse with specialized expertise in homeowner crisis management. Combines medical background with compassionate client support during short sale processes. Active real estate board affiliate member focused on community education initiatives.
Bill McCormick
Co-Founder
Financial services professional with extensive mortgage industry experience. Develops strategic lender negotiation frameworks and manages complex debt resolution cases. Provides operational leadership for all transactional processes.
Questions
What is a short sale?
A short sale occurs when a mortgage company accepts less than the outstanding loan balance to complete a home sale, helping homeowners avoid foreclosure.
Will I have to repay the mortgage company after a short sale?
Most lenders waive the remaining balance, with no future collection activity required from homeowners following approved short sales.
How does a short sale affect my credit score?
Mortgage companies typically report debt as settled, with most clients seeing credit score improvements within 90 days of sale completion.
Can I buy another home after a short sale?
Homeowners usually qualify for new mortgages within 2.5 to 3 years after completing a successful short sale transaction.
What fees are involved in your services?
We charge no fees to homeowners - all closing costs including realtor commissions are paid by the mortgage company upon sale completion.
How long does the short sale process take?
From contract acceptance to lender approval, the process typically takes 30-90 days depending on mortgage company requirements and documentation completeness.
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