ForeclosuresAs you have seen or heard Foreclosures are at all time high because of the Housing downturn and the loans that the mortgage companies wrote in the last 5 years. I am a Real Estate agent, but I was also personally touched by this crises. I had two homes that I had to short sale to avoid foreclosure. If you are not familiar with a short sale or a pre-foreclosure I will give you some insight. When you are late on your mortgage payments you can actually negotiate with the bank you sell your home for less that what you owe on it to avoid foreclosure. This is one alternative to walk away not owing anyone and not devastating your credit. Your credit will take twice the hit on a foreclosure and it will be twice as long before you can buy a new home. There are some other alternative that can usually be negotiated with the mortgage company if you are wanting to try to stay in the home. Because of the downturn in the market and my personal experience I have become very good at negotiating with these mortgage companies and would love to help you or your family and friends that are in trouble. Please feel free to contact me at firstname.lastname@example.org. I am a Full time Real Estate agent and not an investor. Because of the wide spread problems you must be cautious of companies that say they can help you for a fee or in the transfer of your deed to them. My service are 100% free to you. I will negotiate my fees from the bank on a sale and I will never charge you or ask you to transfer your deed. Please let me know if I can be of assistance.Thank you Sean RenoSeptember 13 2007 - Arlington00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.