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Hello I am Matt Fetick with Sold By Short Sale, Philadelphia’s leading short sale specialist, thank you for joining me today. The weather has been getting pretty hot in Philadelphia and so have short sales. Right now I am seeing more and more people falling behind on their mortgages. Last week I compiled a list of people in the Philadelphia area who were 30, 60, or 90 days late on their mortgage for the first time and found an astonishing 850 people who were behind. The reason I wanted to discuss this today is because for many people time is of the essence. If you are struggling to pay your mortgage for whatever reason we can help you work through a short sale. Whether you have recently become ill, lost your job, or gone through a divorce my team and I can help you avoid foreclosure through a short sale. I spoke with a couple last week who were 120 days behind on their mortgage and only had thirty days until foreclosure. While it is possible to get a foreclosure delayed a month or two, this doesn’t leave much time to successfully negotiate a short sale. The more time a short sale agent has to work on your file the better your chances are of having all deficiencies waved by your bank and finding the best price possible for your property. If you are underwater on your home and late on your payments please contact me right away to discuss your options. Even if I cannot help you I will get you in touch with someone who can. Please visit my website or contact me today to get started. Thank you and have a great day.