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Across the country millions of home owners are underwater on their mortgages, which means they owe more than their home is worth.

Due to the economy, many families are unable to keep up on their home loan payments. You most likely, know of someone that has experienced a short sale/foreclosure, is in the process or will experience one in the future.

We have come across a paper written by Brent T. White, Professor at the University of Arizona, College of Law, he explains that a short sale or foreclosure may be the best financial move to make if your family is behind on your home loan.

For a free copy of his report email us at or call 480-515-1395.