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• Short Sale: Convincing Your Bank to Accept Less: With property values in a tailspin, many homeowners who cannot afford their mortgage payments are finding themselves in a precarious position. Their homes are worth less than what they owe on them. They need to sell, but if they sell now, they’ll lose money – money they don’t have. One solution may be to negotiate a short sale with your lender. With a short sale, your lender agrees to…

• Writing Your Own Bailout Plan with a Loan Modification: If you’re currently in default with missed or late payments but are not yet officially in foreclosure, you may be able to write your own ticket, as well, by negotiating a loan modification with your lender.

• Consider All Your Foreclosure Options: When facing foreclosure, homeowners may think they have only two options — pay up or move out. The fact is that you probably have about a dozen options — everything from refinancing to loan modification to selling your home or simply walking away and abandoning the property.