With Job layoffs still occurring,reduction in income, and hard times in 2009 with possible glimmers of hope in 2010, the stark reality of today is there are some that need to get out from under an excessive mortgage and regroup for the future. Right now it might appear that your only choice is to face the Sheriff's sale, foreclosure,potential bankruptcy and destruction of your credit.

However With recent legislation by the Obama administration to help many through modification of loans and also incentives for banks to short sale properties at no cost and sometimes no future consequences to the seller. Difficulty however is how do you cut through the bureaucratic red tape to be able to qualify for some of these governmental homeowner bailouts. One educational program and website that I have partnered with is www.program3648.org . I would encourage you if you are facing the dilemma of losing your home and want some advice and counsel to point you in the right direction visit  www.program3648.org or give Mark VanBuskirk a certified program represenative a call at 610-377-9310

The following is one page from the website that might spark some hope:

About Program 3648

The federal government enacted H.R. 3648, the Mortgage Forgiveness Debt Relief Act, to help stem the tide of foreclosures by removing the tax burden resulting from debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with short sales. H.R. 3648 has been extended through 2012 under The Emergency Economic Stabilization Act, H.R. 1424. The Obama Administration has continued to pursue the foreclosure problem with the Financial Stability Plan that helps homeowners and lenders find solutions and alternatives to foreclosure.

Program 3648 is a privately sponsored nation-wide initiative to reach out to homeowners who are struggling with their mortgage payments and provide them with the information, guidance, and actual work that is required to avoid foreclosure. Certified Program 3648 Representatives volunteer their time to assist as many homeowners as possible and all services provided by Program 3648 are always free for every homeowner.

Our website, www.Program3648.org, provides you with the information, tools, and resources you need to understand the programs and options that are available to you. You can also link-up with a local Certified Program 3648 Representative that can discuss your specific situation and work directly with your mortgage company, on their behalf, at no charge.

Our mission at Program 3648 is to help millions of homeowners avoid foreclosure and take advantage of the programs that have been instituted to help them. We realize that the only way that we can accomplish this goal, is though a ground army of volunteers that are willing to go directly to homes, hold homeowners hands, and walk them through the process of working with their lender, and proactively remedying the mortgage problem.