As I gain valuable education in becoming a debt relief negotiator for my sellers who are upside down on their home, I've learned some amazing information that can help people who may not want to move but feel saddled with a massive second mortgage. The National Assocation of Realtors has only recently acknowledged that short pay offs of mortgage loans exist (even thought we have been helping our clients with this for years) and consider that service to be a real estate transaction. Our goal is to help home owners improve thier financial situation and support property values in the area. Many lenders freely gave out huge 2nd mortgages to pay off unsecured debt, knowing the home may not have supported the value of all that debt. Some lenders provided 100% financing with an 80% first mortgage and a 20% second mortgage so people could buy homes in any price range with no money down and with very little verification of ability to pay back the loans. Even if the lender received fully documentation on those loans, the market values in Monument, Colorado Springs and Woodland Park have plummetted to nearly 2001 levels. With 1 in 4 borrowwers having trouble keeping up that huge debt servicing, it may be a while before market values return to positive in the area. I have a great solution to the mountain debt for those borrowers that may need some relief. As a Certified Default Advocate, I am trained to help home owners make thier 2nd mortgage just dissappear, even if you want to stay in your home. For a free, no-obligation consultation to make your 2nd mortgage disappear call: 1-877-457-5544.