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If you are unable to make payments on your home, foreclosure is not the only option. In fact, it should be your last resort. A short sale is when the lender allows you to sell your home for the actual value rather than what is owed to the bank. A short sale is often allowed when the value is close to what's owed on the house.

The first step in short selling your home, which will help you avoid bad credit, bankruptcy and financial ruin, is to hire a qualified short sale agent. Working with the right short sale agent who has experience and is familiar with properties in your area is extremely important.

A short sale agent's role is more than just selling the home; the agent has your best interest at heart and will negotiate with the lender on your behalf. Also, the short sale agent will help you fill out all the necessary paperwork and obtain information that will help you and the agent sell the home and avoid foreclosure. The sales agent will also help you avoid unnecessary and extremely expensive fees.

How to Select the Right Short Sale Agent

Prior to making a decision, it is important that you closely examine the short sale agent's track record and experience. Just like in any relationship, trust is a big factor. You should feel comfortable and confident in your agent's skills and qualifications.

The Short Sale Agent Finder is a great place to start when trying to locate a short sale agent in your area. allows you to search for the closest short sale agent, view his or hers credentials and make an educated decision on who to contact to help you short sell your home.

For more information on short sales, please read our articles on:

Short Sale My Home

What Is a Short Sale?

How to Buy a Short Sale Home