Job loss. Divorce. Medical bills. A PCS transfer that came at the worst possible time. I've helped homeowners through every one of these, and I can tell you two things for certain: you are not the first person in this position, and foreclosure is not your only exit.
A short sale isn't right for everyone, and I'll tell you if it isn't. In our first conversation we'll look at every path:
If your hardship is temporary and you want to keep the home, your lender may restructure the loan. I'll tell you honestly whether your numbers support it.
Catching up the arrears or pausing payments — realistic in some situations, a trap in others.
If you have equity, you may not need a short sale at all. Some homeowners are surprised to learn they can sell normally and walk away clean.
When you owe more than the home is worth and the hardship is real, this is usually the strongest exit: the lender accepts less than the balance, and you move on.
In a short sale, your lender agrees to accept less than the full loan balance so the home can sell at today's market value. Done correctly, the approval letter includes language releasing you from the remaining debt — that's the deficiency waiver, and negotiating it is the single most important thing I do on your file.
Compare that to foreclosure: a public court proceeding, a credit hit that can run 200–300 points, possible pursuit of the leftover debt, and years of waiting before another lender will touch your application. The full side-by-side is here.
No. You pay nothing upfront and nothing at closing. Real estate commissions and fees are paid out of the lender's proceeds as part of the approval. If anyone in this industry asks you for money before helping you, that's a scam — full stop.
Not necessarily. A documented hardship — job loss, income reduction, divorce, medical crisis, required relocation — can qualify you even if you've stayed current so far. Every servicer weighs it differently, which is why the file has to be built right.
The goal is no. Florida allows lenders to pursue deficiency judgments after foreclosure, which is exactly why the short sale approval needs waiver language. I negotiate for a full release on every file, and I'll be straight with you about where your lender stands on it.
A short sale hurts less and heals faster than a foreclosure. Most clients see recovery begin within months of closing, and FHA financing can be available again in as little as two years.
Yes. You remain the owner until closing. No one is putting you out while the sale is negotiated.
You make every decision. I do the fighting.
Fifteen minutes on the phone. I'll ask about your loan, your hardship, and your goals, and I'll give you an honest read on your options.
Mortgage balance, liens, HOA, taxes, market value. Surprises kill short sales — I find them before the lender does.
Priced to attract a real buyer the lender will accept. This is a normal MLS listing, handled professionally.
Complete package, aggressive follow-up, escalation when a file stalls. This is where 20 years of servicer experience earns its keep.
Debt resolved, relocation funds in hand where available, and a plan for what comes next.
The consultation is free, private, and obligation-free. Worst case, you'll understand your options better than you do today.
Request a free consultationOr call: (850) 699-1856