[mulhallem]

Hello all, newbie here. Is it better to offer the homeowner loan modification or short sale?

[877YouKeep]

you do not offer either you need to understand loss mitigation and they either fall into a workout (retention) or short sale (liquidation). Consult with the homeowner in foreclosure and make a determination based on their goal and finances. Give them the real deal on the system and how it works and if you can assist do so but if they do not take your advice wish them luck and move on. Do not accept opportunities if you know you can not make whatever the homeowner in foreclosure wishes. Know loss mitigation or no loss mitigation.