Facing foreclosure can be overwhelming and scary, but by taking the right steps you may be able to save your credit and wake up from the nightmare you are experiencing today. .

Behind on your mortgage payments?. .read on. .

The roller coaster ride a short sale starts with the first stop:

Denial:

The events leading to the place where you realize you are in trouble is sometimes met by denial. At that time, you may think that is a temporary problem, a bump on the road and everything should be fine. .. it will take a little time and money and problem solved. . right?

Anger & Irritation:

You can't believe this is happening to you!

So much time and effort creating the perfect nest for your family and now it all seems a wasted effort. . .

You are angry at your loan officer, at your Realtor, at the bank. . and in some cases . . .even at your spouse.

Sadness:

Your self esteem takes a hit after you realize that your home. .your dreams are all vanishing and going away. It is a bitter pill to swallow when you are a proud homeowner. .but you should remember this, it is not your fault, circumstances happened that now are requiring you to change.

Moving on:

Its the simple things in life that really matters.

The culmination of a short sale is like a marriage ending in a divorce. You have to start again, learn from your mistakes and you don't really have no choice. .you simply move on.

Never ever play the blame game with your spouse. I've seen many short sales that ended up in a divorce and their children suffer as consequence of it.

This is an opportunity to a new life for you and your whole family.

Keep it in perspective that a home is not a house of bricks and mortar. Your HOME IS YOUR FAMILY!

Be Real:

It's all business from here, never an emotional decision. Taking control of your future financial life is strongly advisable at this time for you.

Rather than waiting for the Government and the economy to solve this problem for you. .

You need to experience life because every single hour you remain locked in a PRISON HOME with an underwater mortgage with your family is an hour of happiness you will never get back

Hello,

It is my sincere belief that homeowners need to find an advocate to represent them.

Someone to seek the guidance, counsel, and services to make the right decisions based on facts and not emotions.

An advocate that is educated, a licensed distressed property expert, a real estate broker that has the experience, the knowledge and the savvy to simply get you OFF the hook! Someone that will act totally in your best interests to help you find the best solution to the financial crisis you are facing now.

I believe I am that advocate for you for many reasons. .

With my experience and as a broker certified by different organizations to do short sales, I have developed a system that helps homeowners dealing with distressed properties. My team of Realtors, one assistant, an attorney and several supporting staff has developed long lasting relationships with these lenders that allow you to take advantage to short sale your property quickly and remove instantly bad mortgage debt. The strength of our experience and knowledge is invaluable to anyone seeking for a solution.

"How to Short Sale And Never Pay The Bank Another Penny."

We have answered that very clearly for a lot of the homeowners we helped so far. . .

Based on my vast experience in short sales having listed over 160 short sales in the last 4 years. . I have chosen 4 questions homeowners ask almost every time I meet with them.

Here they are:

Is a Short Sale Right For Me?

What is a HAFA Short Sale?

How Does a Short Sale Affects My Credit?

No Deficiency Short Sales

Get the facts from a distressed property expert that has the ability to help you avoid a foreclosure by doing a Short Sale today!

www.Short-Sales-Expert.com

MD DC and VA

What is a Short Sale?

The simplified version. . .

Mortgage Underwater? . .

You are hoping the problem will go away. .

You pay and pay and pay. . .and soon discover. .

You get into deeper debt. .by cashing in your 401K

Bank Savings, Your Kid's College Funds. . "The Great Disappearing Act"

You don't know what to do?

in desperation you start borrowing money from friends and is . . just to pay your bills? . .

Your Visa & MasterCard Get.. .

You then call your lender and ask for a loan modification. . .

You feel you are losing it. . .

You are losing all control. . .

The lender loses your paperwork . . hours on the phone. . . on hold . .

they don't seem to care. .

Nothing can help you now. .

Running out of options. . .

The lender loses your paperwork one more time . . more hours on the phone. . . on hold . .

you finally realize that . . .they don't care . . they are only interested in one way loan modifications. . where they are the only beneficiaries . . not you!

Then a glimpse of hopefulness. . . becomes evident on the distance. .

TO HELP YOU AVOID. . .

We are your safety net. . .

Fernando Herboso

240-426-5754

MD, DC and VA

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Fernando Herboso has completed several certifications about short sales and has himself trained dozens of Realtors in the Maryland, DC and Virginia region about the process in short sales.

Fernando has also authored 3 eBooks about short sales and loan modifications