Short Sale (the financial choice) | Loan Modification (the emotional choice) |
| JLive Free 12 months on average | LFree living must be paid back |
| JEquity in 5 years because you can buy again in 2 just years! | LNo equity in 5 years. You still owe more than home is worth. |
| JNo cost to you | LHigh cost, unless you do it yourself |
| J75% Success Rate with me | L50% fall behind again in 6 months |
| JLower monthly payment afterward | LHigher monthly payment afterward |
| JLandlord pays repairs for 2 years | LYou pay for all home repairs |
| JPlenty of flexibility. Move where and when you need to. | LNo flexibility. You can't move. You owe more than home is worth. |
| LYou have to move | JYou don't have to move for now |