Here are three homes from across Long Island that can be purchased through a short sale, a process that involves the mortgage holder agreeing to less than what is owed on the mortgage.
81 W. Oakdale St.
Set on a flat .36-acre parcel, this six-room ranch has three bedrooms and two bathrooms. The layout includes a den with a stone wood-burning fireplace, a formal dining room and an eat-in kitchen, which has sliding glass doors that open to the fenced yard. Other features include wood floors and a full, finished basement. Cynthia McKenna, Keller Williams Realty Homes & Estates, Hauppauge, 631-352-3200.
138 Adams St.
Situated north of Long Island Avenue, this 11-room high-ranch sits on a 95-by-113-foot lot in a cul-de-sac. The house offers a few updates, including the kitchen, with white appliances, and 1 1/2 bathrooms. Other features include wood floors and four bedrooms. There is an elevated rear deck and a one-car garage. Roberta McIntyre, Rickey Realty, Wyandanch, 631-491-3756.
1084 N. Broadway
Offering several updates, this six-room ranch has a new roof, siding and Andersen windows. The rear concrete patio and basement carpeting are new as well. Other features include wood floors and French doors. The space includes a living room, a dining room and an eat-in kitchen, as well as three bedrooms and two bathrooms. Mechanical systems include a gas heating system and 150-amp electric service. Amenities include central air-conditioning and a finished basement. The lot is 40 by 100 feet. Mary Preisel, Exit Realty Premier, Massapequa Park, 516-643-3117.