Upside down in your house and can’t afford to sell?  Think a short sale might be an option?  Here’s someone who can help!  My preferred mortgage broker Cindy Hall from Mortgage Solutions is working with a local company that specializes in loan modifications and short sales.  She says they are excellent – and able to complete short sales in a fraction of the ‘normal’ time.  There is a small upfront fee ($895 if you have one mortgage or $1295 if you have a second) but for short sales, that’s all you pay!  You pay no closing costs – not even a Realtor commission!  (Those costs are rolled into the short sale.)  While more banks are requiring greater seller contribution in a short sale – for instance, a no-interest or very low interest promissory note – the terms are amazing!  And most sellers in a short sale are able to buy within 2 years.  Let me know if you want to know more!