NO! There are too many agents, especially here in San Diego, that make it sound like anybody can do one, with very minimal credit consequences, the bank will give you a full release of your debt and you can happily move one and buy your next home in two years. The bottom line is that these agents make it sound like it this to attract more business. This is NOT a one size fits all solution. Every person’s situation has to be assessed by a professional during a consultation. If you call me I can offer you a FREE, NO OBLIGATION 1 hour phone consultation to determine what solution is best for you, and what your likely outcome will be.