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I am upside down in my mortgage by about 45,000. (the last sale in my park was 18,000 for a comparable home). I am considering listing the home for sale and asking the lender if they will work with a short sale . I have written them and they will not say "yes or no" if they will work with it. If they DON"T, and I am forced to surrender to them, do you know if there are any of the homeowner debt relief programs in place for manufactured homes? The circumstance as to WHY one would have to do a short sale or surrender are the same (declining market, no equity, too high of payments, economy, etc) and the mobiles are USED as primary residences...yet I can't find anything in writing that would help me. can you assist? thank you.
You should look for a realtor who specializes in Short Sales, he/she will be more knowledgeable.
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