Mortgage Loan Process Flow Chart for Short Sale vs Foreclosure

Real estate infographic titled "Short Sale vs Foreclosure for Upgrading Homeowners". HOME-BUYING TIMELINE archetype, designed for existing homeowners upgrading, comparing how short sale vs foreclosure can affect the path from pre-approval to closing. Editorial real-estate magazine illustration, soft pastel palette, clean layouts, subtle shadows, modern typography, friendly professional tone, no real bank / brokerage / lender logos, no watermarks. Include 6 numbered stages arranged in a clear left-to-right or top-to-bottom timeline, each stage with a short heading in English, a time estimate, an illustrative cost example in SEK labeled as example, and a small property or document icon. Stage 1: "Pre-Approval Review" — time estimate: "1–7 days" — example cost: "example: 0–500 kr" — icon: mortgage document. Stage 2: "Sell Current Home Status" — time estimate: "2–12 weeks" — example cost: "example: 5,000 kr" — icon: house with status tag, visually compare short sale path vs foreclosure path. Stage 3: "Home Search" — time estimate: "2–8 weeks" — example cost: "example: 3,000 kr" — icon: magnifying glass over house. Stage 4: "Offer and Negotiation" — time estimate: "3–10 days" — example cost: "example: 10,000 kr deposit" — icon: signed offer document. Stage 5: "Inspection and Loan Approval" — time estimate: "1–3 weeks" — example cost: "example: 7,500 kr" — icon: checklist clipboard and small house. Stage 6: "Closing and Move" — time estimate: "1–2 weeks" — example cost: "example: 25,000 kr" — icon: keys and contract. Add subtle side-by-side visual cues within stages 2–5 showing short sale as more negotiated and foreclosure as more credit-damaging and restrictive, using neutral educational iconography only, no legal scare tactics. Emphasize upgrade homeowner concerns such as timing, credit impact, eligibility, down payment planning, and transition to next home, but keep all visible text concise. Add small legends and callouts only in English. All text MUST be written in English (array). Every heading, label, caption, legend and metric name in the image must be in English — not English. Spell each English word correctly using English characters and diacritics. Numbers stay as digits, illustrative numbers labeled "example", no specific real-bank or brokerage logos, no watermarks No real bank / brokerage / lender logos. Illustrative numbers labeled as example. No specific listing prices or city-specific guarantees.