I lost my job last fall, but remained current on my mortgage throughout my job search. I have found a job half way across the country and want to sell my house. Unfortunately, the local housing market will not support asking a high enough price to pay off the mortgage. I expect the house will probably fetch about $15-20K less than what is owed. It looks to me like it will have to be a short sale. I am willing to sign a note with my lender to pay off whatever the amount not covered by the sale is. How will this affect my credit rating?