Hello everyone this is Matt Fetick with Sold By Short Sale, Philadelphia’s leading short sale specialist, thank you so much for joining me today. I am a real estate agent in the Philadelphia area who specializes in short sales and I blog frequently to keep my community informed on options to avoiding foreclosure. While my team and I specialize in short sales there are other options to avoiding foreclosure that we can also suggest to distressed homeowners and today I would like to discuss some of those options. One option that can offer short term relief is a loan modification. A loan modification is an application we submit to your bank in order to reduce your monthly mortgage payment in order to keep you in your house. On my website you can download a loan modification packet for free that will help walk you through the process. Another option to consider is turning your property in to an investment by renting it out for more than what your monthly payments add up to. This is an option we have helped many clients with and we can help you find tenants and set up proper lease agreements in order to turn that property in to income. The most common option that homeowners choose is to do nothing and wait for something to happen. This is an option that will only last for so long and can be avoided by contacting me today or visiting my website to get more information. More and more homeowners in the Philadelphia area are finding themselves with underwater mortgages and reaching out for help has never been easier. Please pick up the phone or send me an e-mail to set up a free consultation so we can design a game plan for your property today. I am Matt Fetick with Sold By Short Sale, thank you and have a wonderful day.