CARMEL VALLEY SHORT SALE INFORMATION     Do you owe more on your home than it is worth?       Are you having trouble making your mortgage payments?       Are you already behind on your mortgage payments?       Has your interest rate adjusted to make it unaffordable now?       Do you need to refinance but can't because your house won't appraise for more than your loan amount?       Do you need to sell your house, but owe more than it can be sold for?       Do you think that you may enter into foreclosure on your home?       If you are possibly facing foreclosure, do you know the possible consequences if you have recourse loans?               If you answered YES to any of the above questions, it is likely that you are in danger of foreclosure. You are not alone and THERE ARE SOLUTIONS. Wh... 11/19/2011