For all the homeowners who are upside down and can no longer make their mortgage payment (because of either a job loss, divorce, or an option ARM that’s resetting higher), up to now the only option was letting the bank foreclose. That’s not a good option since a foreclosure sticks on your credit record for at least 10 years. But some experts are now advocating a “short sale.”

Sell your home, pay nothing and owe nothing to your lender.
If you need to sell your home, but owe more on your home than it is worth, Horizon Real Estate will help you sell for top market value, without ruining your credit, going through foreclosure or declaring bankruptcy.

You do not have to endure a foreclosure or a bankruptcy on your credit, and instead of waiting up to 7 years to buy another home, you may be able to purchase again within the next 24 months or less.

How are you able to buy again so quickly?
A short sale actually saves your credit. It is considered a "settlement of a debt" by your lender and is much easier on your credit than a foreclosure.

You do not want to go through foreclosure.
Your credit will be ruined and your credit score could drop by as much as 300-400 points. You will subject to aggressive pressure and intimidation by your lender.

It may be very difficult to qualify for future credit such as auto loans, credit cards, and renting a home or an apartment for the next 7 years.

Click here to contact us if you have concerns.