I’ll say no change or under 50 point hit. It makes sense, shorts cuase less financial damage to the lender than jingle mail or freeloading for 6 months to a year. The back taxes, the back hoa fees, all of that is usually avoided with a short. I personally think banks could have done so much to help themselves if they had not been so against shorts a year ago, they were worthless a year ago, you could never get an answer, on one I never did get an answer. I am biased having made three short offers last year, all rejected and later repo’d, all ended up selling for less than my offer and all stopped getting mortgage checks from the occupant. If they did the math math, the lost twice the money dragging their feet. The only thing to motivate the borrower on a short is credit salvaging, I bet we hear more stories like this going forward, because if there is no difference in the credit hit, they will just stop getting payments from those people.