MD  Short Sales Expert Specialist


How does a short sale affect my credit rating when compared to a foreclosure?”

FACT: The effects of Short Sale on your Credit Score is definitely a lot less than a foreclosure.
When you miss a payment on your mortgage, obviously this has a definite negative effect on your credit score. . .
In a short sale . . this is exactly what affects your credit directly!
I presume that you maybe behind on your payments already,
the more days you fall behind on your mortgage, the harder the effect on your credit score.

Please watch our video “ How Can a Short Sale Affect Your Credit?”

Please read my eBook about short sales below. .It will answer many more questions about short sales in general.

The Short Sale Option

An important question:

How much a short sale cost me Fernando ?:


Call Fernando Herboso Realtor® Associate Broker

240-426-5754 for a FREE Consultation.

What our clients say about us. .


“Thank you Fernando  and Susan (Team Member)for EVERYTHING!  We are so relieved to be out of this mess and to be able to start over again.
It really has taken a load off of our minds and knocked down the stress level A LOT!  You were both completely on top of your game (and the mountain of paperwork) which made this entire process go so smoothly.  I really cannot believe that it's OVER and everything did work out to our advantage.  We knew we were taking a gamble with the short-sale, but we really owe our success to you and your team.”

Amanda & Eric B


"Herboso & Associates did an excellent job of listing my condo and handling the short-sales process for me.  Fernando is extremely knowledgeable and took the time to answer all my questions and concerns. He was efficient and took care of all the negotiating with the lender and the buyer.
California Client, A. Nguyen"

adioslender ebook cover

Read my latest book here



The information contained in this website is intended to be used for informational purposes only and to provide a general overview of the topics described herein. There may be tax and other legal consequences associated with a short sale.  Herboso & Associates makes no representations or warranties concerning potential tax or legal consequences relating to any final disposition of any property in a short sale.

Homeowners are advised to consult with a tax professional regarding the potential tax consequences for their particular situation. Herboso & Associates are not Advisors and they are not a legal law firm. We strongly encourages all parties, agents, homeowners brokers and mortgage lenders involved in a transaction to seek such advice from a professional advisor.

Fernando is an Associate Broker and  founder of Herboso & Associates for MD, VA and  DC

Call Fernando Herboso Realtor® Associate Broker

240-426-5754 for a FREE Consultation.

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Your Credit and SHORT SALES

How Short Sales Affect Your Credit  Short Sales Expert Specialist