Short Sale ~vs~ Foreclosure
7 most dangerous myths about short sales
what is a strategic default?

 LEARN YOUR OPTIONS

Today’s market conditions have caused many families to face really difficult options; attempt a loan modification,  consider strategic default or Avoid Foreclosure via a Short Sale. 
If you or someone you know is among the thousands in San Diego who is experiencing financial difficulty, please contact us, we can and will help.  Please don’t risk your financial future.  It’s better to take action, learn your options…you’ll be glad you did.


Here’s what our short sale clients have to say:

“Before deciding to do a short sale she laid out around 10 different options that were available to me. She didn’t tell me which option to choose, but just instructed me on the pro’s and cons of each option.  I liked that she didn’t tell me what to do.  Instead she gave me the facts and answered my question in a very professional manner.”  

Bryan D (successful short sale client)

“Just to say that Cheryl Bray is an excellent realtor, she is extremely professional always looking at the details and keeping everyone well informed. She has helped me buy, sell and buy a property. Last deal was selling my home as a short sale, Cheryl find a new buyer, within a week, after the original buyers walked away not willing to keep on waiting for the bank short sale approval. Because of her, the bank had all the paper work on time and she took care of all the details that are related to short sales. I walked away from my house without having to pay back any money to the bank including Property Taxes,  After closing, Cheryl recommended a credit agency that is helping me with my credit rating.

Muchas gracias Cheryl”

Edwin M. (Short Sale Client)

We service the north county San Diego coastal real estate market.  Solana BeachDel MarCarmel Valley are our backyard.   Cardiff by the Sea, Encinitas, Leucadia and Carlsbad are our next door neighbors.  Cedros Homes  specializes in starter beach condos. vacation condos walking distance to the beach, townhomes in Carmel Valley or  luxurious ocean view homes right on the water.

Our “CAGE FREE” real estate pledge

  • Hassle Free Listing Policy:  Cancel any time.
  • Transparent:  We represent buyer or seller, not both!
  • Collaborative:  We practice permission based marketing*
  • Creative: Buyer targeted social media marketing plans.
  • Paperless:   After all, we are named after the Cedros tree.
*permission marketing is the privilege (not the right) of delivering relevant messages to people who want to get them.