Should I do a short sale or a loan modification?

Short Sale Loan Mod
  • Avoid foreclosure and avoid massive credit damage
  • No cost involved in completing a short sale
  • May receive full release of liability from the debt
  • May be able to purchase a home much faster than after a foreclosure
  • Avoid the humiliation of a foreclosure – a short sale looks like a traditional real estate sale
  • Very difficult to qualify
  • Negative Equity – May still take quite a few years to break even to the purchase price of your property
  • Companies charge up-front fees to perform loan modification services on your behalf
  • Very time consuming
  • Still some damage to credit score

What are other homeowners doing?
Many homeowners that are considering a short sale or a loan modification have decided that instead of waiting for the market to come back they are opting to sell their house now.

loan modification vs short sale

Find out how long it will take to break even

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  • Short Sale Specialists
  • No Equity - No Problem
  • CASH For Your Equity
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