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You may be thinking of just letting your home foreclose, however, your bank has a program that allows you to sell your home at a significant reduced payoff. This program is called a SHORT SALE and it's a great way to minimize the harm to your credit as your credit will recover much faster from a short sale than a foreclosure allowing you to purchase a new home again. Also, you don't have to pay anything to do a short sale with us! Your bank pays us to SHORT SALE your home.