Dear Friends, When faced with the unfortunate reality of losing your home you’ll probably find yourself asking some difficult questions – “What do I tell my family?” “What will the neighbors think?” “How do I make the next payment when I do not have it?” “Will the bank foreclose on what I have worked so hard to keep?” “Will I have to file bankruptcy?” The stress, the hardship and the anxiety of not knowing what is going to take place takes a serious toll on you both physically and mentally. Which action to take is probably the most difficult financial decision that you have ever had to make. What are your real options? One option that you should consider is called a Short Sale. What is a short sale? Put simply, a short sale occurs when the lending institution agrees to accept less than the full value of their note in order to facilitate the sale of the property. Why would a bank do this? The reason is simple. In today’s difficult market, banks do not want to have to deal with a foreclosed property and all of the costs associated with a foreclosure. What are the benefits of a Short Sale to you? There are several! Your neighbors don’t have to know what is happening. To all outsiders it appears as if you are merely selling your home. There is no foreclosure listed on the credit report which will allow you the possibility to get back your piece of the “American Dream”. If you allow us to, we can help you reclaim that dream through the Short Sale process. Most sincerely and best wishes, Michael H. Noreski President/CEO Solutions