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Kim Esposito, Realtor
Kim Esposito, Proud RE/MAX Realtor
Re/Max Advantage Realty
330-807-6858 ~ Contact Me Online

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My Real Estate Listings

Point of Sale Inspections
Inspection Procedures

Short Sales and Foreclosure
Headed for Foreclosure?

What My Clients Say

Helpful Real Estate Resources
Schools, Utilities,...

Short Sale vs. NO Sale

What is a Short Sale?

A short sale is when the bank agrees to take less then what is owed on the property with no penalty to the seller. You pay no money, closing costs, commission or fees. This does affect your credit - but not nearly as bad as a foreclosure.

There are several reasons why someone might fall behind in the mortgage. Today's economy, loss of job, family illness, or the death of someone can all be a part of becoming financially behind. The banks do not want these homes back.

I have extensive background and knowledge of the short sale process. I can handle everything for you, and get your home sold before you lose it. The process for a lender to start foreclosure takes several months, and there is sometimes up to a year before your home will actually go to a Sheriff sale.

I have listed several homes and build a relationship with your lender throughout this process so everything goes smoothly. The majority of my short sale inventory I manage to sell myself which works well with the lender. Another avenue I have is that I also work with several investors.

This process requires a lot of paperwork and phone work that I can handle for you. Let me make it easy for you in this time of hardship and provide for you some peace of mind.

I welcome the opportunity to work with you. If you would like to speak with me directly, feel free to call my cell phone at 330-807-6858. You can also email me from my web site. Everything is strictly confidential.

Individual Point of Sale Requirements - City & Township - Northeast Ohio
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City/Address
Phone Number
Required
Fee
City of Akron
166 South High St.
Akron, OH 44308
330-375-2220
Occupancy permit for commercial
$20.00
City of Aurora
130 South Chillicothe Rd
Aurora, OH 44202
New construction only. Point
of sale only if requested by buyer
(visual inspection only)
$15.00
City of Avon
36774 Detroit Road
Avon, OH 44011
440-937-7800
For existing homes occupied
City of Avon Lake
150 Avon Belden Road
Avon Lake, OH 44012
For existing homes occupied,
new construction only
City of Bainbridge
470 Center Street #8-C
Chardon, OH 44024
440-279-1780
New construction only.
$50 returned when
occupancy is issued.
$150.00
City of Bay Village
350 Dover Center Road
Bay Village, OH 44140
440-899-3400
No point of sale.
New construction for
brand new homes only.
City of Beachwood
2700 Richmond Road
Beachwood, OH 44122
Occupancy application and final inspections only for new construction. No point of sale.
$50.00
City of Bedford
65 Columbus Road
Bedford, OH 44146
440-232-1600
Point of sale inspection $25 each additional rental, commercial buildings minimum fee $75 - maximum $200
$50.00
single family
City of Bedford Heights
5665 Perkins Road
Bedford Hts, OH 44146
440-439-1600
Point of sale inspection. Property cannot transfer until occupancy permit is issued, if not complete funds will be escrowed.
$50.00
exterior
$75.00
interior and exterior
City of Bentleyville
6253 Chagrin River Rd.
Bentleyville, OH 44022
440-248-1188
NONE
City of Berea
11 Berea Commons
Berea, OH 44017
440-826-5800
Exterior only, good for one year
$75.00
City of Bratenahl
411 Bratenahl Road
Bratenahl, OH 44108
216-681-4266
Point of sale inspection and occupancy permit varies. Any questions, call.
City of Brecksville
9069 Brecksville Road
Brecksville, OH 44141
NONE
City of Broadview Heights
9543 Broadview Road
Broadview Hts, OH 44147
NONE
City of Brooklyn
7619 Memphis Avenue
Brooklyn, OH 44144
216-749-4300
New construction only.
Any questions, please call.
City of Brooklyn Heights
345 Tuxedo Avenue
Brooklyn Hts, OH 44131
Point of sale inspection
$50.00
City of Brookpark
6288 Kolthoff Road
Brookpark, OH 44142
234-1636
Point of sale and occupancy
inspections required.
24-hr. NOTICE required
Village of Burton
PO Box B 408
Burton, OH 44021
834-4474
Final water and sewer meter readings and final payment required.
Village of Chagrin Falls
21 W. Washington Street
Chagrin Falls, OH 44022
440-247-3156
New construction only.
Any questions, please call.
Village of Chardon
111 Water Street
Chardon, OH 44024
440-286-2600
Occupancy permits only. Remodeling fee and reconstruction fee varies
$100.00
single
City of Cleveland
601 Lakeside Ave. #517
Cleveland, OH 44024
216-664-2825
Point of sale inspection and disclosure
$60.00
City of Cleveland Heights
40 Severance Circle
Cleveland Hts, OH 44118
216-291-4444
Point of sale inspection
with signed acknowledgement
form. Escrow hold letter for
Class "A" violations. Each
additional unit $50.
No occupancy permit
required prior to transfer.
$100.00
Single Family
City of East Cleveland
13601 Euclid Avenue
East Cleveland, OH 44113
216-681-2415
NONE
$50.00
and up
City of Eastlake
25150 Lakeshore Blvd.
Eastlake, OH 44094
440-951-1416
Point of sale required
$100.00
City of Elyria
131 Court Street
Elyria, OH 44035
NONE
City of Euclid
585 East 22nd Street
Euclid, OH 44123
216-289-2700
Ext 3904
Point of sale. Prices also vary.
Any questions, please call.
$225.00
Single Family
City of Fairport Harbor
223rd Street
Fairport Harbor, OH 44077
Point of sale varies.
Any questions, please call.
Final water and sewer.
City of Fairview Park
20777 Lorain Road
Fairview Park, OH 44126
NONE
City of Garfield Heights
5555 Turney Road
Garfield Hts, OH 44125
Point of sale
$75 single
$95 double
City of Gates Mills
Chagrin River Road
Gates Mills, OH 44040
423-4405
Point of sale, septic system
evaluation by County
Board of Health
City of Geneva on the Lake
4964 South Spencer Rd.
Geneva on the Lake, OH 44041
466-8197
NONE
City of Highland Heights
5827 Highland Road
Highland Hts, OH 44143
461-2440
New construction only
City of Hudson
20 East Main Street
Hudson, OH 44236
650-1799
New construction only
City of Independence
6800 Brecksville Road
Independence, OH 44131
216-542-4131
No point of sale, but
do have occupancy permits.
Any questions, please call.
City of Kent
930 Overholt Road
Kent, OH 44240
330-678-8107
NONE
City of Lakewood
12650 Detroit Avenue
Lakewood, OH 44017
216-529-6280
Furnishing certificates to
purchaser of multiple,
certificates of one or
more rental units (varies)
Any questions, please call.
City of Lyndhurst
5301 Mayfield Road
Lyndhurst, OH 44124
440-442-5777
No point of sale. Occupancy
for new houses ONLY
$20.00
City of Macedonia
9699 Valley View Road
Macedonia, OH 44056
330-468-1300
Point of sale inspections on all
properties over one year. Any
questions, please call.
City of Maple Heights
5353 Lee Road
Maple Hts, OH 44137
216-663-4094
Point of sale inspection
$75.00
City of Mayfield Heights
6154 Mayfield Road
Mayfield Hts, OH 44124
440-442-2626
Point of sale inspection
City of Mentor on the Lake
5860 Andrews Road
Mentor on the Lake, OH 44060
257-7216
Applications available at
Mentor on the Lake City Hall.
City of Middleburg Heights
15700 East Bagley Road
Middleburg Hts, OH 44130
440-234-2216
NONE
City of Middlefield
PO Box 1019
Middlefield, OH 44062
NONE
City of Monroe Falls
43 Monroe Falls Avenue
Monroe Falls, OH 44262
No point of sale or
occupancy permits
City of Moreland Hills
4350 SOM Center Road
Morland Hills, OH 44022
248-1188
Septic inspection contact
Cuyahoga County
Board of Health
City of Newburgh Heights
4071 East 49th Street
Newburgh Hts, OH 44105
216-641-4650
City inspection and
certificates of occupancy
$25.00 single
$40.00 double
City of Newburgh Township
PO Box 257
Newbury Township, OH 44065
NONE
City of Newton Falls
19 N. Canal Street
Newton Falls, OH 44444
OCC Permit

$25.00 single
$50.00 multi
$100.00 comm

City of Northfield Village
10455 Northfield Rd.
Northfield Village, OH 44067
330-462-7139 Ext. 20
Exterior point of sale inspection required. May take 7-10 working
days to complete. Check to
Village of Northfield
$50.00
City of North Olmsted
5200 Dover Center Road
North Olmsted, OH 44070
NONE
City of North Randall
2193 Miles Road
North Randall, OH 44128
216-587-9281
Occupancy permits. Any questions, please call. Fax # 216-587-9280
$50.00
and up
City of North Ridgeville
7307 Avon Belden Road
North Ridgeville, OH 44039
New construction only.
Require building permits
City of North Royalton
11545 Royalton Road
North Royalton, OH 44133
440-582-3000
Occupancy permit for
new construction only
$40.00
residential
$50.00
comm
Village of Oakwood
24800 Broadway Ave.
Oakwood, OH 44146
440-232-9980
Point of sale and occupancy permit
$50.00
City of Olmsted Falls
26100 Bagley Road
Olmsted Falls, OH 44138
New contruction only
City of Olmsted Township
26908 Cook Road
Olmsted Twp, OH 44138
440-235-4225
New construction only
Village of Orange
4600 Lander Road
Orange, OH 44022
NONE
City of Painesville
7 Richmond Street
PO Box 601
Painesville, OH 44077
352-9301
NONE
City of Painesville
PO Box 547
Painesville, OH 44077
352-1443
NONE
City of Parma
6611 Ridge Road
Parma, OH 44129
440-885-8030
Point of sale for new homes
only and occupancy permit
for new businesses only.
Any questions, please call.
City of Parma Heights
6281 Pearl Road
Parma Hts, OH 44130
440-885-9600
Occupancy permits for new construction only.
$100.00
residential
$250.00
comm.
City of Pepper Pike
28000 Shaker Blvd.
Pepper Pike, OH 44124
No point of sale
City of Ravenna
530 Freedom Street
Ravenna, OH 44266
330-269-5666
NONE
City of Richmond Heights
457 Richmond Hts.
Richmond Hts, OH 44143
New construction only
$15.00
City of Rocky River
21012 Hilliard Blvd.
Rocky River, OH 44116
331-0600
NONE
City of Russell Township
8501 Kinsman Road
PO Box 522
Novelty, OH 44072
440-338-5811
NONE
City of Sagamore Hills Twp
522 E. Cuyahoga Falls Ave.
Sagamore Hills Twp, OH 44067
330-467-0900
New construction only.
Any questions, please call.
City of Seven Hills
7325 Summit View Drive
Seven Hills, OH 44131
524-4427
New construction only.
Any questions, please call.
City of Shaker Heights
3400 Lee Road
Shaker Hts, OH 44120
216-491-1470
Point of sale inspection
$100.00 single and up
City of Sheffield Lake
609 Harris Road
Sheffield Lake, OH 44067
949-5767
Point of sale inspection. Call to
schedule time, they will bring
the paperwork
$40.00
City of Strongsville
18688 Royalton Road
Strongsville, OH 44136
440-238-5720
NONE
City of South Euclid
1349 South Green Road
South Euclid, OH 44121
381-0400
NONE
City of South Russell
21 West Washington Street
South Russell, OH
440-338-1312
Ext. 3
NONE
City of Streetsboro
9184 State Route 43
Streetsboro, OH 44241
330-626-4942
Any questions, please call.
City of Twinsburgh
10075 Ravenna Road
Twinsburgh, OH 44087
330-425-7161
Point of sale
$50.00
City of University Heights
Silsby & Warrensville Center #2300
University Hts, OH 44118
216-932-7800
Point of sale.
Fax # 216-932-5239
$75.00
City of Valley View
6848 Hathaway Road
Valleye View, OH 44125
NONE
City of Walton Hills
7595 Alexander Road
Walton Hills, OH 44146
440-232-7800
NONE
City of Warrensville Heights
4301 Warrensville Center Rd.
Warrensville Hts, OH 44128
662-5858
NONE
City of Warrensville Township
4019 Northfield Road
Warrensville Twp, OH 44122
591-2300
NONE
City of Westlake
Dover Center & Hilliard Rd.
Westlake, OH 44145
440-871-3300
NONE
City of Wickliffe
28730 Ridge Road
Wickliffe, OH 44092
440-943-7115
Has sewer dye test only.
Any questions, please call.
City of Willoughby
4169River Street
Willoughby, OH 44094
440-953-4118
Point of sale.
Any questions, please call
City of Willoughby Hills
33405 Chardon Road
Willoughby Hills, OH 44094
440-975-3550
New construction only
City of Willowick
30435 Lake Shore Blvd
Willowick, OH 44094
585-3700
Has sewer dye, sidewalk, and apron tests. Any questions, please call.
$10.00
residential

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