in the “fiscal cliff” bill that extends this act.   This is an opportunity to list your home with a real estate agent and do a short sale through this program.  Appointments are being set in Smith County to sign up for this program and call Carolyn Bain, Bain Real Estate at 903-571-2191 to get further details.  This is one opportunity to try to relieve yourself of your mortgage that is choking your family.