Rising forclosure rates thru-out Massachusetts and the rest of the country signal the seriousness of the problem. To request a short sale, the owners typically present the lender with evidence of financial hardship and a current market estimate of the home's value. Any potential sale is contingent on the lenders approval. Short sale processes work, but are complicated, time-consuming & uncertain. If you can start - before you are actually in default - you will be ahead of the game.
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