Most importantly, a Short Sale relieves the stress of dealing with foreclosure and it allows the homeowner to get rid of their big mortgage and move on with their lives. On the credit side, a Short Sale is arguably the lessor of two evils. A completed foreclosure does more damage to your credit than a Short Sale agreed to by the lender. We can sell your home now under a Short Sale program with your bank no matter what you owe or if you are behind in payments. The seller has no out-of-pocket expenses, including repairs, closing costs, or real estate commissions. These are all included in the negotiated sale price that the lender accepts.