Short Sale vs Foreclosure Blueprint | Mortgage Loan Process Flow Chart

Real estate infographic titled "Short Sale vs Foreclosure". Create an editorial real-estate magazine illustration in a blueprint architect style with a professional blue & gold palette, designed as an agent client handout. Use a HOME-BUYING TIMELINE adapted to compare short sale vs foreclosure in 6 numbered stages. Clean architectural grid, technical linework, subtle paper texture, professional layout, comparison-friendly structure, no real bank, brokerage, or lender logos, no watermarks. Include two parallel visual tracks where helpful: one for Short Sale and one for Foreclosure. Each stage must contain a short heading in English, a time estimate, an illustrative cost example in CZK labeled as example, and a small property or document icon.

Stage 1: "Owner Distress" — time estimate: "1-4 weeks" — cost example: "example Kč 0-5,000" — icon: house with warning symbol or overdue statement.
Stage 2: "Lender Review" — time estimate: "Short Sale: 30-90 days / Foreclosure: 30-120 days" — cost example: "example Kč 5,000-20,000" — icon: loan file, checklist, stamped document.
Stage 3: "Property Condition Check" — time estimate: "1-2 weeks" — cost example: "example Kč 3,000-15,000" — icon: magnifying glass over house, inspection sheet.
Stage 4: "Offer and Approval" — time estimate: "Short Sale: 30-120 days / Foreclosure: 7-30 days" — cost example: "example Kč 10,000-50,000" — icon: handshake, signed contract, approval stamp.
Stage 5: "Repairs and Renovation Planning" — time estimate: "2-8 weeks" — cost example: "example Kč 50,000-300,000" — icon: blueprint roll, hammer, paint roller, renovation notes.
Stage 6: "Closing and Transfer" — time estimate: "2-6 weeks" — cost example: "example Kč 20,000-80,000" — icon: keys, deed, closing folder.

Add supporting comparison callouts in English only for visual clarity: "Typical timeline", "Approval complexity", "Property condition", "Buyer risk", "Negotiation flexibility", "Closing certainty". Show short sale as slower but potentially more negotiable, foreclosure as faster but often sold as-is. Include subtle visual cues suggesting process flow and decision checkpoints, inspired by mortgage loan process flow chart logic, but do not write that search phrase on the image. Use clean legends, arrows, badges, side notes, and comparison markers. All amounts must be illustrative and labeled as example in CZK (Kč). Avoid city-specific guarantees, specific listing prices, and any claim that implies legal or financial certainty.

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.