Underwater on your mortgage? Facing foreclosure? You need a licensed specialist — not just any agent. Mewawa Group negotiates directly with your lender, secures deficiency waivers, and protects your credit. At zero out-of-pocket cost to you.
A short sale allows you to sell your San Diego home for less than what you owe, with your lender's approval — avoiding foreclosure, protecting your credit, and walking away clean.
Your home's market value is less than your outstanding mortgage balance. This is called being "underwater" or having negative equity. It's the primary qualification for a short sale.
Job loss, divorce, medical expenses, military PCS orders, ARM rate reset, or any legitimate reason you can no longer afford the payments. Lenders accept many types of documented hardship.
With the right specialist negotiating on your behalf, your lender accepts the sale proceeds as full satisfaction of the debt — and in most cases, waives the remaining balance entirely.
This is the most important decision you'll make. The difference in credit impact, future homeownership, and financial freedom is significant.
| Factor | ✅ Short Sale with Mewawa Group |
Foreclosure | Loan Modification |
|---|---|---|---|
| Credit impact duration | 2–4 years | 5–7 years | Minimal |
| Buy a home again (FHA) | 2–3 years | 5–7 years | Immediately possible |
| VA loan eligibility | Faster restoration | Severely impacted | Maintained |
| Deficiency balance owed | Usually waived | May still owe | No deficiency |
| Public record severity | Less severe | Severely damaging | Not public |
| Your out-of-pocket cost | $0 in most cases | Legal fees + costs | $0 |
| Control over timeline | You choose close date | Bank decides everything | Bank controls terms |
| Qualifies if payments current | Sometimes yes | Not applicable | Yes |
| Works with 2nd mortgage/HELOC | Yes, both negotiated | Complicated | Rarely |
Five steps. Transparent communication. A specialist who knows your lender's exact process — not a generalist guessing their way through.
We assess your mortgage balance, home value, loan type, and hardship to determine if a short sale is your best path — within 24 hours.
We prepare and submit your complete hardship package exactly how your specific lender wants it — every servicer has different requirements.
We list your home on the MLS at the right price to attract qualified buyers quickly — speed at this stage is critical.
Direct negotiation for deficiency waiver, fastest possible approval, and relocation assistance where available. Weekly updates guaranteed.
Sign, close, and walk away — typically owing nothing further on the mortgage. A fresh financial start with your credit protected.
San Diego homeowners searching for a short sale specialist near me or short sale company near them find many options — but very few with the licensing, lender relationships, and veteran expertise that actually close them with full deficiency waivers. Very few have the licensing, lender relationships, and military expertise that actually close them — with full deficiency waivers.
Jeffrey Vidal (DRE #01821172) is a licensed California real estate agent with a legal fiduciary duty to act in your best interest at all times. Unlicensed investors and third-party processors have no such obligation. You deserve a licensed professional in your corner.
Legal Fiduciary ProtectionAs a veteran, Jeffrey understands PCS orders, VA loan entitlement, and the VA Compromise Sale program in ways most agents simply don't. If you have a VA loan, work with someone who has lived the same experience.
Military SpecialistBank of America, Wells Fargo, Chase, Navy Federal, Mr. Cooper, Nationstar, Caliber — we know exactly how each servicer's loss mitigation department works, what they need, and how to escalate when needed. This closes deals faster.
Lender Negotiation ExpertCalifornia's anti-deficiency law (CCP §580b) protects many sellers automatically. For those it doesn't cover, we negotiate deficiency waivers as a standard part of every short sale — not an afterthought. You should not owe your lender a dollar after we close.
$0 Balance ProtectionIf a short sale isn't your fastest or best option, we can also buy your home directly for cash — closing in as few as 7 days. No other short sale specialist in San Diego offers this alternative. You always have options with Mewawa Group.
Unique Dual OptionCommission is paid from sale proceeds as part of the lender-approved transaction. There are no hidden fees, no upfront charges, and no surprises at closing. We disclose everything in writing before you commit to a single step.
Complete TransparencyMost agents submit one generic package and wait. We know each servicer's specific submission requirements, escalation paths, and decision timelines — and we use that knowledge to close faster.
Equator platform specialist. HAFA program certified. Direct loss mitigation relationships.
Full BofA guide →Deficiency waiver track record. Relocation assistance negotiation. Direct servicer contacts.
Full Wells Fargo guide →Loss mitigation department navigation. Escalation procedures when approvals stall.
Learn more →Military PCS specialist. VA and conventional loan expertise. Veteran-to-veteran service.
Full Navy Federal guide →VA Compromise Sale program expert. Entitlement protection. PCS orders accepted hardship.
Full VA guide →Smaller servicer expertise. Investor-owned loans. Complex multi-lien situations.
Learn more →Short sales are emotional. Here's what working with a true specialist looks like — honest, efficient, and with your credit protected.
"Jeffrey negotiated a full deficiency waiver with my lender and we closed in 11 days. He saved my credit and gave me a completely clean start. The most honest agent I've ever worked with."
"As a veteran with PCS orders, they understood my situation immediately. Handled the lender in 52 days, got the deficiency waived, and I reported on time. Unbelievable service — veteran helping veterans."
"I had a second mortgage and everyone said it was impossible. Mewawa Group negotiated both lenders simultaneously and we closed clean. No deficiency, no stress, no surprises. Highly recommend."
Honest answers — not sales copy. If a short sale is not right for you, we will tell you that too.
Free, confidential consultation. No pressure. Jeffrey Vidal will personally review your situation and tell you honestly whether a short sale, cash sale, or another option is your best path forward.