Short sale & foreclosure help in Miami
If you own a home in Miami and the mortgage has become more than you can carry, take a breath — you have options. Whether you're behind on payments or simply owe more than the home is worth, a short sale may let you walk away cleanly. There's no cost to you, and your first confidential consultation is free.
The Miami market right now
Miami's market is unlike anywhere else in Florida. Sky-high property insurance, rising Miami-Dade County taxes, and steep condo special assessments — many triggered by post-Surfside 40-year recertification and reserve requirements — have pushed monthly carrying costs to levels that catch even long-time owners off guard. As Florida foreclosure filings climb again, more Miami homeowners find themselves underwater. Florida is a judicial-foreclosure state, so lenders must go through the courts, which usually gives you time and room to arrange a short sale.
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- Lender approval rate
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- Weeks to close, not months
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How we help Miami homeowners
Free Case Review
We review your mortgage, liens, and hardship in a confidential call. No judgment, no obligation — just a clear read on every option available to you.
The Game Plan
We price your home and place it in front of our pool of cash investors immediately, so a qualified offer is ready before we ever approach your lender.
We Negotiate the Bank
We submit a complete, lender-ready package and handle every call, document, and counter — aiming for a full release of your remaining balance.
Your Fresh Start
You close in weeks instead of months, move on with your credit intact relative to foreclosure, and start fresh — often with relocation money in hand.
Neighborhoods we serve in Miami
What a short sale does for you
Avoid foreclosure & its lasting damage
A completed short sale lets you move on without the long-term credit and emotional toll of a foreclosure or bankruptcy on your record.
A cash offer ready on day one
We have private investors lined up to buy your home as-is for cash. Lenders prioritize cash offers, which keeps your sale moving.
Negotiate away the deficiency
Our goal is a full release — so the bank can't come after you for the difference between what's owed and the sale price.
Stay in your home through the process
You can keep living in the house while we work, and we're often able to postpone scheduled foreclosure sale dates.
You pay nothing
Every fee is paid by the bank or the buyer and itemized on the closing statement. There is never an upfront cost to you.
Buy again sooner than you think
Programs exist that let many sellers qualify for a new mortgage in as little as a year or two after a short sale closes.
Short-sale questions from Miami homeowners
- Can a short sale really stop foreclosure in Miami?
- In many cases, yes. Once your Miami-Dade lender approves a short sale, the foreclosure process is typically paused while the sale moves toward closing. Because Florida foreclosures run through the courts, that judicial timeline often gives you the weeks needed to negotiate. Every situation differs, but a short sale frequently ends the threat without a completed foreclosure on your record.
- I have a Brickell condo with a huge special assessment — can you still help?
- Yes. Condo special assessments, common across Brickell and Miami-Dade after post-Surfside safety rules, are exactly the kind of pressure that pushes owners underwater. A short sale can release you from a mortgage you can no longer sustain alongside those assessments. We'll review your situation confidentially and explain your options at no cost — the lender, not you, pays our commission.
- How much does a short sale cost a Miami homeowner?
- Nothing out of pocket, in the typical case. In a short sale, the lender agrees to accept less than the full balance and pays the real estate commissions and most closing costs from the sale proceeds. That's a core reason Miami families choose this path over letting the home go to foreclosure. Your free consultation carries no obligation and no fee.
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Facing foreclosure in Miami? Let's talk.
Reach out today for a free, confidential look at your options — there's no cost and no obligation.