Infinite Realty — Orlando, FL real estate brokerage (321) 394-8696
Home › Short Sales
Central Florida · Short sale specialists since 2007

Owe more than your home is worth? A short sale erases the difference — and costs you nothing.

We've negotiated more than $12 million in mortgage debt forgiveness for Central Florida homeowners since 2007. If you're underwater on your mortgage, a short sale lets you sell, have the remaining debt forgiven by your lender, and avoid foreclosure — all at no cost to you.

Step 2 of 2 — how should we reach you?
✓ Thanks. We'll review your situation and reach out — confidentially — within 24 hours.
★★★★★ 5.0 rated on Google · Confidential · No obligation · $12M+ in debt forgiven
(321) 394-8696Call or text — confidential, no pressure
5.0 ★Google rating · 19 reviews
Since 2007Licensed FL brokerage · CQ1044344
100+Homeowners saved from foreclosure
$12M+Mortgage debt forgiven
What is a short sale?

Your lender accepts less than what you owe — and forgives the rest.

A short sale happens when your home's market value has fallen below your mortgage balance — you're "underwater" — and you can no longer afford to keep paying. Rather than go through a full foreclosure, your lender agrees to let you sell the home for what it's currently worth. The difference between the sale price and what you owe is forgiven. You walk away with a clean slate.

For Central Florida homeowners, this has been a real lifeline. Market cycles, job changes, divorce, medical events — any of these can leave you with a home worth less than you paid. Since 2007, we've negotiated directly with lenders on behalf of over 100 homeowners here and secured more than $12 million in forgiven mortgage debt. We know how these negotiations work, which lenders respond to which arguments, and how to document your case to maximize approval chances.

Short sale vs. foreclosure

The difference is significant.

Short sale

  • You control the sale and timeline
  • Lender forgives remaining balance
  • No foreclosure on your credit report
  • Credit impact is smaller and shorter-lived
  • Eligible to buy again in 2–4 years
  • Possible relocation funds up to $10,000
  • Zero cost to you — lender pays our fee
  • Resolved in 2–4 months typically
Start your free consultation →

Foreclosure

  • Lender controls the process and timeline
  • You may still owe a deficiency balance
  • Foreclosure on your credit for 7 years
  • Larger credit score drop (100–150 points)
  • Wait 5–7 years to buy again (most loans)
  • No relocation assistance
  • Court costs and attorney fees may apply
  • Can drag on 12–18 months in Florida courts
Learn more about foreclosure options →
How it works

From first call to debt-free close — step by step.

1Free consultation

We review your situation — mortgage balance, home value, lender, and how far along the foreclosure process is. We tell you honestly if a short sale makes sense.

2We list and find a buyer

We list your home on the MLS at fair market value. Once we have an offer, we submit it to your lender along with your hardship package.

3We negotiate with your lender

We handle all lender communication — submitting documentation, following up, escalating when needed. This is where experience matters most.

4Approval and close

Once your lender approves the short sale, we close. Your debt is forgiven, you may receive relocation funds, and you move on with a clean slate.

Who qualifies

You may be a candidate if any of these apply.

Financial situation

  • Owe more than the home is worth
  • Behind on mortgage payments
  • Can no longer afford the payment
  • Facing foreclosure lawsuit
  • Job loss or income reduction

Life circumstances

  • Divorce or separation
  • Medical hardship or disability
  • Relocation for work
  • Death of a co-borrower
  • Adjustable rate increase you can't absorb

Property situation

  • Home value has dropped significantly
  • Home needs major repairs you can't fund
  • Inherited property with mortgage
  • Investment property you can't carry
  • Behind on HOA fees or property taxes
Why homeowners trust us with this

Short sales are all we've done since 2007.

✓
$12M+ in debt forgivenReal numbers from real negotiations. We know how to document a hardship case and what each major lender's approval process looks like.
✓
100+ homeowners helpedEvery major servicer — Chase, Wells Fargo, Bank of America, Nationstar, Ocwen, and more. We know their timelines and their requirements.
✓
Zero cost to youYour lender pays our commission at closing. You never write a check for our services, regardless of outcome.
✓
Attorneys on our teamLegal expertise at every step — especially valuable when lenders push back or foreclosure proceedings are already underway.
✓
Licensed Florida brokerage since 2007CQ1044344. Accountable to the Florida DBPR — not a fly-by-night "foreclosure consultant."
✓
5.0-star rated on GoogleTransparent, patient, and honest with every homeowner — even when the news isn't what they hoped for.
A local broker, not a national algorithm

The Infinite Realty difference.

A real local teamYou speak directly with people who know Central Florida courts, lenders, and local market values — not a distant call center reading from a playbook.
Licensed & accountableA Florida-licensed brokerage (CQ1044344) with attorneys on the team. Held to a professional standard most cash buyers and foreclosure consultants aren't.
Honest from the startIf a short sale isn't your best option, we'll say so — and explain what is. We'd rather lose a deal than steer you wrong.
Reviews

Real sellers. Real closings.

Read all our reviews on Google →

Areas we serve

Short sale help across Central Florida.

OrlandoKissimmeeSanfordAltamonte SpringsWinter GardenApopkaSt. CloudOviedoLake MaryPoinciana

We serve all of Orange County, Osceola County, and Seminole County.

Frequently asked questions

Short sales in Florida — straight answers.

A short sale is when your lender agrees to let you sell your home for less than what you owe on the mortgage, and forgives the remaining balance. It's used when the home's market value has fallen below what you owe — you can't pay off the mortgage from the sale proceeds, so the lender accepts the shortfall and cancels the rest of the debt.
To qualify you generally need to owe more than your home is currently worth (be "underwater"), have a legitimate financial hardship (job loss, divorce, illness, reduced income), and be behind on payments or at risk of falling behind. Most major lenders have a formal short sale program and will consider reasonable requests when these conditions are met.
A short sale does affect your credit, but significantly less than a foreclosure. A foreclosure can drop your score by 100–150 points and stays on your report for 7 years. A short sale is typically reported as "settled for less than full amount" and the impact is smaller. After a short sale, most homeowners can qualify for a new mortgage in 2–4 years depending on the loan type.
Most short sales in Central Florida take 2–4 months from accepted offer to closing. The main variable is the lender's review timeline — some move in 30 days, others take 90+. We manage the lender communication throughout so you're not chasing paperwork.
Nothing. Your lender pays our commission at closing out of the sale proceeds — the same way they'd pay an agent's commission in any sale. You pay zero in fees, commissions, or closing costs. Many lenders also provide relocation assistance of up to $10,000 to help you move on.
In most cases, yes — if you qualify and the paperwork is done correctly. Lenders generally prefer an approved short sale over a full foreclosure because the foreclosure process costs them more time and money. Approval isn't guaranteed, but we've navigated this with 100+ homeowners and every major lender that services Florida mortgages. Proper documentation and an experienced negotiator make a significant difference.
The lender forgives the remaining balance and issues you a 1099-C (Cancellation of Debt) form. Whether the forgiven amount is taxable depends on your situation — the Mortgage Forgiveness Debt Relief Act has provided exclusions for primary residences in many cases. We strongly recommend speaking with a tax professional about your specific circumstances before closing.

Find out if a short sale is right for your situation — free, confidential, no pressure.

Get my free consultation
📞 Call or text (321) 394-8696