Underwater? Behind on payments? Let's talk.

What's a short sale, and is it right for me?

A short sale is when you sell your home for less than what you owe on the mortgage. The lender agrees to accept the lower payoff to avoid the time and cost of foreclosure. It's a structured, lender-approved process. Done right, it lets you walk away without the foreclosure on your credit.

When a short sale makes sense

• You owe more than the home is currently worth
• You're behind on payments, or you can see it coming
• You've experienced a hardship (job loss, divorce, illness, military relocation, etc.)
• You can no longer afford the property and don't want to walk away
• You want to avoid foreclosure on your credit report

What I do as your short sale agent

• Run the numbers and confirm a short sale is your best path
• Help you assemble the hardship package the lender requires
• List, market, and find a qualified buyer at fair market value
• Negotiate directly with your lender on the reduced payoff
• Coordinate the closing once the lender approves
• Make sure the deficiency (if any) is properly addressed in the approval

Other options I'll walk you through

• Loan modification · I'll refer you to a HUD-approved counselor if it might fit better
• Forbearance / refinance · If income has stabilized and you want to keep the home
• Traditional sale · If you actually have enough equity, we'd sell normally
• Deed in lieu · A last-resort handover to the lender (still impacts credit, but less than foreclosure)

"Most people who think they're stuck have more options than they realize. They just need someone who knows the playbook to walk them through it."

Confidentiality

Every conversation is confidential. I don't share your situation with anyone (not even other agents at my own brokerage) without your written permission. Call or text 904-554-8560 anytime.