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Is a Short Sale an option?
Upside down in your home?              
  Does the current economy have you caught between a rock and a hard place?  If you owe more than the current value of your home, it may be possible to negotiate a lower payoff amount with your lender in order to get your home to a price range where it will sell in this market.  Do you meet any of these qualifications for a short sale?
•·         Is your mortgage balance greater than the market value of your home?
•·         Are you behind on your mortgage, facing   default, or foreclosure?
•·         Are you in financial hardship of any kind?
•·         Are recently divorced, have loss of job/income, illness, have a death in the family, increased bills or expenses?
•·         Do you own a home in need of major repairs?
•·         Or have had a rate increase or an adjustable rate mtg?
Currently, if you are an owner occupant of a property, the tax code may allow you to avoid paying taxes on the Short Sale shortfall.   
Also the Short Sale option will have much less negative effect on your credit than a foreclosure would.  Know your options!It's imperative that you know all your options before walking ... more

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