MARS Act Disclosure

1. No Government Affiliation

MD Short Sale Agent is not associated with the government, and our service is not approved by the government or your lender. We are a private company that connects homeowners with licensed real estate professionals who specialize in short sales.

2. No Guarantee of Lender Approval

Even if you accept this offer and use our service, your lender may not agree to change your loan or approve a short sale. Every case is different, and lender approval depends on factors including your financial hardship, property value, outstanding loan balance, and the lender's internal policies.

3. Risks of Non-Payment

If you stop paying your mortgage, you could lose your home and damage your credit rating. We recommend that you continue communicating with your lender throughout the short sale process and consult with a qualified attorney or financial advisor about your specific situation.

4. Your Right to Cancel

You may stop doing business with us at any time. You are under no obligation to continue using our services. You may accept or reject the offer of mortgage assistance we obtain from your lender or servicer. There is no penalty for cancellation.

5. About Our Organization

MD Short Sale Agent is not required to be, and is not, a nonprofit organization. We are a lead generation and referral service that connects homeowners with licensed real estate agents and attorneys experienced in short sales in Maryland. There is no guarantee that all homeowners will qualify for a short sale or that any specific outcome will be achieved.

6. No Upfront Fees

MD Short Sale Agent does not charge homeowners upfront fees for its referral service. Real estate agent commissions in a short sale are typically paid by the lender from the sale proceeds at closing. You will not be asked to pay any fees before services are rendered.

7. What Is the MARS Act?

The Mortgage Assistance Relief Services Rule (MARS Act) is a federal regulation enforced by the Federal Trade Commission. It applies to companies that offer to help homeowners with mortgage modifications, short sales, or other forms of foreclosure prevention.

The rule requires specific disclosures to protect consumers and prohibits misrepresentation of services. For more information, visit the FTC's MARS Rule page.

8. Contact

If you have questions about these disclosures or our services, please contact us: