I have been in the Real Estate for 21 years , and real estate is my passion. The way I see it, most people are forced to do a short sale simply because the banks won’t modify their existing loan. I have seen several instances in which struggling borrowers try to work with the banks, only to learn the banks won’t even consider a loan mod request until the mortgagee is three months behind. People who have pride in their home just need a little help and don’t want to go delinquent. You would think the banks would want to help a borrower who truly have a hardship and who actually wants to pay their mortgage. The government is helping banks cover their losses, so taxpayers should have a voice.