Stop foreclosure.
Talk to someone who's been there.
Kim Stephens has helped hundreds of Omaha-area homeowners navigate a short sale. She went through one herself. She knows exactly what you're facing — and she knows how to help you move forward.
If any of this sounds familiar,
you're not alone.
These situations happen to good people. A short sale may be an option — and understanding your options now gives you more control over what happens next.
- Job loss or income drop
- Divorce or separation
- Medical bills or health crisis
- Mortgage payment increased
- Rental property issues
- Behind on payments and not sure what to do next
What exactly is
a short sale?
A short sale is when your lender agrees to let you sell your home for less than what you owe on the mortgage. Instead of losing everything to foreclosure, you negotiate an exit that closes the chapter — often with less damage to your credit and more control over the outcome.
It's not automatic and it's not simple. But with the right help, it's very doable.
See full explanationWhy homeowners trust Kim with their most difficult situation
Several Hundred Short Sales Closed
Kim has more short sale closings in this market than almost any agent in the region. That experience means fewer surprises, faster lender communication, and better outcomes.
She's Been in Your Shoes
Kim went through her own short sale in 2008 when the market crashed. She knows what it feels like to sit where you're sitting — and that changes how she works with you.
Licensed in Nebraska and Iowa
Kim holds a Nebraska Broker License and an Iowa Broker's License. She serves the entire Omaha/Council Bluffs metro directly — no handoff, no middleman.
Start with a free review.
No pressure, no obligation.
Tell us a little about your situation. Kim's team reviews every submission personally. If your situation is a fit, you'll hear from us within one business day.
Questions people ask before they reach out
Can I still sell my house if I'm behind on payments?
Yes, in many cases. Being behind on payments does not automatically close off your options. The key is understanding your situation quickly — the earlier you start, the more options you have.
Will a short sale stop foreclosure?
It can, depending on timing and where the lender is in the process. It's not automatic, but acting early gives you more leverage. This is one of the first things we review when you reach out.
How long does a short sale take?
Most take several weeks to a few months. The timeline depends on the lender, the strength of your file, and the buyer. Kim's experience with lender processes in this market helps keep things moving.
Will this destroy my credit?
A short sale does affect your credit, but the impact is often different — and in many cases less severe — than a completed foreclosure. Every situation is different, which is why the first step is a review.
Do I have to talk to my lender myself?
No. Once your file is in process, Kim and her team handle lender communication. That's one of the most stressful parts of this process, and it's where experience makes the biggest difference.
What does this cost me?
The initial review is free. In a short sale, the agent commission is typically paid by the lender as part of the approval — not by you out of pocket. We'll explain exactly how the structure works when we connect.
The earlier you start,
the more options you have.
Are you a licensed agent with a client who needs short sale help?
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