Modesto, CA Real Estate Agent | Sally Frampton | CENTURY 21

Sally Frampton

Sally Frampton, Realtor associated with Century 21 M&M knows that buying or selling a home is one of the most important things you will ever do, and to that end, she will help make that experience as smooth and successful as possible.

If you are facing foreclosure, Sally holds the Certified Distressed Property Expert (CDPE) designation and is here to help you through these difficult financial times.

Sally's extensive experience and expertise in the Modesto, Ceres, and Salida real estate market will benefit you whether you are looking to buy or sell a home in the area.

Buying a home?

Let her help you find the home of your dreams by taking the time to listen and understand your needs and desires. Once she knows what you want, she will work tirelessly to find the right home for you, because no one should have to compromise when it comes to buying a home.

Selling Your Home?

Sally’s expertise in the Modesto, Ceres, and Salida real estate market will help ensure that you get the best price for your property. And, if you are looking for an agent to handle a short sale, Sally understands short sales and her finely-tuned marketing program will make sure the right people see your home.

Whether you are looking for homes for sale, remodel, repair or moving sources, or pre-approval  for a home loan, everything you need is right here.

Sally Frampton will always be available for personal service by phone or email, so feel free to contact her with questions any time! Please don't hesitate to contact her for any of your real estate needs. She will always be available to help you buy or sell homes in Modesto, Ceres, and the surrounding area.


A short sale can be an excellent solution for homeowners who need to sell, and who owe more on their homes than they are worth. In the past, it was rare for a bank or lender to accept a short sale. Today, however, due to overwhelming market changes, banks and lenders have become much more negotiable when it comes to these transactions. Recent changes in corporate policy and the Obama administration have also improved the chances of getting a short sale approved.

But to be technical, here's a more official definition:

  • A homeowner is 'short' when the amount owed on his/her property is higher than current market value.
  • A short sale occurs when a negotiation is entered into with the homeowner's mortgage company (or companies) to accept less than the full balance of the loan at closing. A buyer closes on the property, and the property is then 'sold short' of the total value of the mortgage.

For homeowners to qualify for a short sale, they must fall into any or all of the following circumstances:

  • Financial Hardship - There is a situation causing you to have trouble affording your mortgage.
  • Monthly Income Shortfall – In other words: "You have more month than money." A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
  • Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

This seems simple enough, but it is a complicated process that takes the expertise of experienced professionals. Sally Frampton holds the CDPE® Designation and is ready to identify all possible options and, when possible, assist in the quick execution of a short sale transaction.

If you have questions or feel you may qualify for a short sale, please contact Sally for a free consultation at 209-593-6250.

Featured Property

1534 Inyo Ave, Modesto, CA

List Price:



  • 2 Beds
  • 1 Baths
  • 832 Sq. Ft.

2 Units for the price of 1!Home has been rebuilt from the foundation up. Includes 2nd unit 500 sq ft 1/1. call for details.

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CENTURY 21 M&M and Associates

Modesto, CA   -  209.529.6111