As we are all aware we are in some challenging times, and many are facing foreclosure and don't know where to turn for assistance.  Here is some helpful advice:

Don't wait for the Federal Government to Save you! Take Action ASAP!

1. Call your lender ask if you qualify for a modification
2. Call your local Fair Housing Agency, they have in house counselors that specialize in Foreclosure Intervention. They also have a list of Attorney's that work Pro-Bono (free) and have attorney's who will reduce their rates to individuals and families that are in need.
3. If you have to sell your home, then a Short Sale may be the best viable option. You need to do some research in searching for a Realtor who is experienced and educated in this area.
Ask the following questions;
What is your experience?
Are you Certified in Foreclosure Intervention? Education?
How many successful short sales have you done to date?
How many have not been successful? Why?
How many short sales have you closed this year?
How many short sale listings do you currently have?
Do you have a team of professionals who specialize in this area?
Do you have references of clients you helped?

It is imperative that you hire a professional that is educated and experienced, as your family, and credit are @ stake!  Hiring the wrong Realtor can put your family at risk!

Hope this provides some help for anyone who is facing foreclosure.

If you have any questions, or comments. please feel free to contact me.