Have you considered a short sale?
If you are having mortgage difficulties you may qualify for a short sale.
A short sale is an agreement with your lien holder to allow you to sell
your home for less than the balance on the loan. A short sale is much
more adventageous and the short fall is forgiven. With a foreclosure,
the bank may come back for the deficiancy.
Have you considered a loan modification?
As a certified Home Retention Consultant I assist homeowners in applying
for a loan modification.
Please contact Sheila direct to see if there is an option
for your particular hardship.
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