Here are some resources for homeowners facing foreclosure or a short sale.  Note:  As a realtor I see so many people facing this horrible situation, it is at epidemic levels it seems.  My first advice to

you is this: You are not alone in this and there is no shame in where you find yourself.  Many factors led to this mess and there is no easy solution to repair it.  Hang in there, read some of these articles,

they are good resources:

 

                                              Resource for foreclosure and short sales

 

Here is another good one for foreclosure avoidance and/or guidance:

                                              Foreclosure-response.org

 

Another:  Federal Reserve Bank-foreclosure guid

                                              Fedral Reserve foreclosure toolkit

 

Wells Fargo has this Short Sale Guide

                                              Wells Fargo Short Sale Guide

 

If you are facing foreclosure also consider NeighborWorks- it is a $ 360-million dollar program

to help prevent foreclosure:

                                             Foreclosure Help! Neighborworks

 

Hang in there!