Avoid foreclosure. Walk away clean.
If you owe more than your home is worth or you've fallen behind, a short sale lets your lender accept less than the balance — so you can move on without a foreclosure or bankruptcy following you for years.
A sale date in days isn't the end — but you have to move now.
When a foreclosure auction is only days away, most lenders won't postpone it. There is still a way to stop the sale: an emergency bankruptcy filing, coordinated with a bankruptcy attorney, can halt the auction and buy the weeks we need to complete your short sale.
- We work fast to assemble a complete, lender-ready package
- We coordinate with a bankruptcy attorney who can file to stop a scheduled sale
- Filing pauses the auction — it doesn't mean you have to go through bankruptcy
- That pause gives us the runway to negotiate your short sale
Dr. Short Sale is not a law firm and does not provide legal advice. Whether to file for bankruptcy is a legal decision to make with a licensed attorney — we simply coordinate with one when timing requires it.
Why allow a foreclosure when we can short sell your home?
Our success rate is over 90%, and we often have an immediate offer ready for your property — so we can begin negotiating with your lender and end the uncertainty quickly.
There are buyers who don't care how worn down a house may be; they're ready to invest cash to fix it up. Sometimes the more distressed the property, the better it is for them. Sellers benefit most by avoiding a stressful, costly foreclosure and moving on with life.
Creditors with liens against your real estate — primary mortgages, second mortgages, HELOCs, HOA assessment liens — all need to approve a short sale. Large lenders run dedicated loss-mitigation departments that evaluate each application, usually ordering a Broker's Price Opinion (BPO) to establish market value. One of the most important pieces is a properly assembled short-sale package, including a hardship letter — and that's exactly what we build for you.
The process can involve many parties and several levels of approval, which is why experience matters. We've done this hundreds of times.
Start with a free case review
Confidential. No upfront fees. We'll tell you honestly what's possible.
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.
A short sale is about relief — not losing everything
The biggest fear we hear is that a short sale or foreclosure will wipe you out. For most homeowners we help, that's not how it works.
Your retirement is protected
Retirement accounts like a 401(k), IRA, or federal TSP are generally shielded — a short sale doesn't touch them.
You pay $0
Every short-sale fee is covered by the bank or the buyer. There's never an upfront cost to you.
We aim to erase the balance
Our goal is a full release of the deficiency, so the bank can't pursue you for the difference after closing.
A faster path back
Compared with a foreclosure, a completed short sale can let you qualify for a new mortgage far sooner.
General information, not legal, tax, or financial advice. What's protected depends on your situation — confirm specifics with a licensed attorney or CPA.
Are you a short-sale candidate?
Enter rough numbers to see whether your home is “underwater.” Nothing is saved or sent — this is just for you.
Estimates only — not an appraisal, tax, or legal advice. Lenders order their own valuation (a Broker's Price Opinion) during a short sale.
Not sure how much time you have?
Florida's foreclosure process runs through the courts in clear stages — from a first missed payment all the way to the auction. Knowing exactly where you are tells you how much room there is to act.
See the Florida foreclosure timeline →Four steps from stuck to settled
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.
Seller FAQs
Often, no. If we can assemble your paperwork within about 10 days of the sale date, there's a better-than-even chance we can have it postponed. We have to move fast to submit a complete package and ask the lender to cancel the sale — but it's almost always worth the effort.
Yes, absolutely. Second lien holders are part of the negotiation and get settled as we work the deal. Multiple loans make a short sale more complex, not impossible.
Usually, yes. Divorces, quit-claim deeds, and a spouse listed on the deed or the loan are all common — we sort out who's on the title versus who's on the mortgage and build the short sale around it. Bring whatever paperwork you have; untangling this is routine for us.
We work to negotiate your short sale so there is no deficiency or promissory note left over. Primary residences with one loan and a genuine hardship are usually forgiven the remaining balance entirely.
Possibly — it depends on the property type and how the loan was written. We strongly recommend you consult your tax professional or CPA, who can advise on your specific situation.
Our formula closes in roughly 8 to 12 weeks — far faster than the six-month wait that's become the industry standard. The exact timetable depends on your lender and whether there are other loans or liens involved.
Yes. You can occupy the home throughout, and because we're often able to postpone foreclosure sale dates, the process can actually extend the time you stay in the house.
Our investors buy homes to repair and resell, and typically offer a percentage of retail value. Either way, the contract is contingent on full satisfaction of your loans — so you get off the hook as long as the lender approves, regardless of the exact price.
Nothing. We ensure every short-sale fee a homeowner might face is paid by the bank or mortgage company. There is never a cost or fee to you.
Some of the short-sale fees are paid to us by the bank or mortgage company — never by you. We do this to earn a living by offering homeowners the very solution we needed when we were in their shoes.
If a sale date is set, every day counts.
We've postponed foreclosures with as little as 10 days' notice. Reach out now for a free, confidential review of your options.