Instant help if you owe more than your house is worth and you are wondering what to do about your mortgage…

This information may be the most important you will ever read. Because it tells you how to do what is best in your particular situation if you owe more than your house is worth.

My name is Richard Geller and hundreds of homeowners just like you have used this information to get out of bad mortgages and bad debt situations.

In fact, the New York Times wrote a long article and quoted me extensively. They also printed a link to this website.

Okay, so let's get to it then.

 What is a short sale? It's simple

A short sale means that you owe more than your house is worth. And you have to sell. Maybe…

You can't refinance. You've tried, but you just can't. Or…

You need to move. Or…

You can't afford your mortgage payment.

So a short sale is what you do.

In a short sale, you help find a buyer. The buyer brings money in at closing. The buyer's money goes to closing costs and the rest goes to your lender. If you have two lenders, most of the money from the buyer pays the first lender. A little goes to the second lender.

What about credit? Can you keep good credit and still do a short sale?

Yes. You can. Your credit will suffer but not all that much. I have a video I've prepared that answers this and more questions in depth. It's free to watch and I suggest you finish reading this quickly and get to the video.

What are the alternatives to a short sale?

You can do a "deed in lieu of foreclosure." But sometimes the lender won't agree. And if you have two mortgages, it is very hard to do a deed in lieu.

You can simply live rent-free and eventually leave when they come to evict you (or you could leave a little before that happens.) If you are completely on the ropes, this may be your best option. In some states you could have a deficiency judgment filed against you.

And what if you can't sell the house?

You can sell practically any house. In fact you can do so in nine days. I will show you more about this, in a video that you'll watch in just one moment.

I explain how you can sell your house in nine days. When a short sale is do-able and when it isn't.

How you can avoid personal liability, and when you can't.

How the nine day house sale works.

And how to get your lenders to say "YES". So please enter your first name and email and the video will load. You will want to watch this several times because it is packed with information you probably haven't heard before.