Disclaimer For Short Sales & Loan Modifications: Herboso & Associates llc operating: www.Short-Sales-Expert.com, www.ReallyNiceHomes.com, http://ventascortas-shortsales.blogspot.com/, http://activerain.com/blogs/tigreroar ,http://www.trulia.com/blog/fernando_herboso/ is not associated with the government, and its services have not been approved by the government or the consumer’s lender. Your lender may not agree to change your loan and/or agree to a short sale. If you stop paying your mortgage, you could lose your home and damage your credit rating. You can stop doing business with Herboso & Associates llc at any time. You can accept or reject any offer Herboso & Associates llc obtains from your lender. If you reject the offer, you don’t have to pay the company’s real estate commission as outlined in the listing agreement. There is no guarantee you will get the results you seek from a short sale.Herboso & Associates llc does not provide legal advice. Seek legal counsel. Should you hire Herboso & Associates llc, you may still communicate with your own lender. Herboso & Associates llc and any of their representative agents will not charge upfront fees under any circumstances to the homeowner.