|* Do You Have A Hardship?
(Things have happened where you find yourself struggling to make your mortgage payment or can't make it at all.)
|* Is your home upside down?
(Your home is worth less than what you may owe on it.)
|* Do you have any money that you can draw on to make your payments?
(Do you have any money you can use towards your mortgage payment?)
|* Do you want to save your credit from a bankruptcy and/or foreclosure?
(Bankruptcy and/or foreclosure will damage your credit for 7 – 10 years)
|* Have you missed any mortgage payments?
(Banks may approve a short sale if missed mortgage payments are inevitable)
|* Did you buy or refinance your home during 2003-2007?