Premier Capital Solutions · Short sale negotiation · Since 2008
When a seller owes more than the house is worth, most agents quietly let the listing go. Bring it to us instead. One signature from your seller opens the file, we take it from there with the bank, and when it closes you get paid in full without ever paying us a dollar.
- $0 to the agent
- $0 to the seller
- 0% commission split
200+ servicers · All 50 states · Handled by humans.
What we do
Every servicer has its own forms, its own departments, and its own ways of losing a file. We run the same intake, the same package, and the same escalation path with all of them, so how your file goes never depends on which bank happens to hold the loan.
One standardized process
Same intake, same package, same escalation path on every file, whatever the servicer.
More →
What that means for you is that the servicer never gets to teach us their process on your file. We already know which department handles it, which forms they'll ask for, and who to call when it stalls.
We carry the entire file
Documents, title, valuation, negotiation with every lienholder, approval, closing terms.
More →
You'll never have to assemble a package, chase down a title order, or sit on hold with a loss mitigation department, because a dedicated team at PCS does all of that for as long as the file is open.
You stay the trusted advisor
We never become the face of the transaction. Your client stays your client.
More →
Your name stays on the sign, on the contract, and on the closing statement, and your seller keeps hearing from you. Think of us as the department working behind you rather than a company standing in front of you.
The engine
Built through the crisis, and through every cycle since.
Seven regional offices · all 50 states
The math
A listing with an underwater mortgage only ends one of two ways, and the difference to you is your entire commission. Drag the sliders to see what's on the line for a listing of yours.
If it forecloses
$0
Your work, your listing, your client and your commission, gone.
If it closes as a short sale
FULL
$10,625
Your entire commission, protected inside the lender's approval.
That’s $10,625 riding on a single listing, and the only thing that decides which way it goes is who handles the bank.
The market
More homeowners are heading into trouble than at any point in the last decade. Here's how fast it's happening, and what each of these numbers actually means.
At this pace
A home enters foreclosure every 69 seconds.
0
homes entered foreclosure so far today
≈ 1,257 a day
nationwide
First half of 2026 vs. first half of 2025
Foreclosure filings
up 21%Counts every foreclosure action taken against a home, whether that's a default notice, a scheduled auction, or the bank taking the property back.
Foreclosure starts
up 18%Homes that got their first foreclosure notice during this period. This is the front of the pipeline, and where a short sale still has time to work.
Bank repossessions
up 33%Homes the lender ended up taking back at auction. This is the end of the pipeline, and nobody earned a commission on any of them.
Source: ATTOM Mid-Year 2026 U.S. Foreclosure Market Report. 2025 figures derived from the reported year-over-year change.
Who these sellers are: peak price, high rate, thin equity.
These are people who bought near the top of the market, are paying a high rate, and now own a house that’s worth less than what they owe on it. Every one of them is a listing that some agent is either about to lose to the bank or about to close as a short sale, and the difference usually comes down to who’s handling the file.
The opportunity
These are the three loudest signals that a seller is in trouble. Tap one to see what it usually means.
Most agents hear them as the end of the conversation.
What almost nobody knows
They don't have to have missed a payment yet.
We can demonstrate imminent default: documented hardship, a payoff the market will not support, income that no longer covers the obligation.
What to tell the seller
The most useful thing you can explain to a homeowner who is stalling.
Short sale
- Reported as a settled account
- Stays off the public record
- Credit may ease in one to two years
- Relocation assistance can be requested
Foreclosure
- Becomes a matter of public record
- Treated like a bankruptcy
- Can follow them roughly seven years
- No commission to anyone
Lenders approve short sales because a foreclosure costs them more.
Why they fail
Only one of these is actually about the house; the rest are administrative. Tap each one to see how we handle it.
Won on follow-up, on knowing who holds authority, and on getting a human to pick up.
The leverage
Anybody can submit a package. Almost nobody can get it looked at.
Direct relationships with 200+ servicers
Including the top five U.S. banks
A reputation built one file at a time
Complete documentation, defensible valuations, real deals
Attorney oversight on every transaction
Reviewed before it ever reaches the bank
A dedicated team on your file
With a name and a direct line, not a queue
Handled by humans.
The division
You
- List it and market it
- Bring the buyer
- Stay the trusted advisor your seller already relies on
PCS
- Intake, documents, title, valuation
- Negotiation with the lender and every lienholder
- Approval letter and closing terms
The process
Your seller always has a real status. Not “it’s in review.” Tap a step.
Step 1 of 5 · Submit
A PCS attorney reviews every package before it goes to the bank, so anything missing or inconsistent gets flagged back to you within a day instead of surfacing after a month in the servicer's queue.
This is not a two-week process and we will not pretend it is.
It is a process you can explain to your seller with confidence.
The economics
$0
to the agent
$0
to the seller
0%
commission split
Our fee is paid by the lender at closing.
No split with the agent. No split with the broker. No retainer.
If it doesn't close, nobody owes us anything.
Getting started
It takes twelve documents to open a file, four from your seller and eight from you, and we supply every form that's ours.
Your file
0 of 12
Tick off what you already have and tap any document to see what it is. Your progress is saved on this device.
From the seller
From the agent
Requirements vary a little by lender, so after the first review we’ll spell out exactly what yours needs in a single list.
The first step
A letter of authorization
It is all we need to begin.
- It does not commit your seller to any terms
- It does not obligate them to anything
- It is permission for us to advocate with the bank and the lienholders
Bring us two things: the seller's payoff amount, and an honest read on how motivated they are.
Your point of contact at PCS
Collin
Client Relations Specialist
Premier Capital Solutions
The best candidates have clean title with no judgments or liens, and every inquiry gets an answer within 48 hours.
In closing
You already have the licenses.
You already have the market.
Bring us the ones nobody else wants. We'll go get them approved.