If you owe more on your mortgage than the value of your home, or can no longer afford your payments, and you need to sell your home there are options other than foreclosure or bankruptcy.

If you owe more on your mortgage than the value of your home, and you want or need to sell we can help.  The process of selling a home for less than what is owed is known as a short sale. With short sale assistance you may be able to sell your home for less than the amount of your mortgage without the disabling credit effects of bankruptcy or the potential long term debt of foreclosure. 

In a short sale, the mortgage lender agrees to discount the loan balance due to an economic or financial hardship on the part of the homeowner. This negotiation can be very difficult without proper guidance and help.  Extenuating circumstances influence whether or not a bank will lower a loan balance. We collaborate with a local Jacksonville real estate law firm to help negotiate with your lender. For more information on how a short sale could benefit you please call  the Jacksonville short sale team at (904) 638-7064 or complete the form for a free consultation.