Does Freedom Mortgage allow short sales?

Freedom Mortgage has a short sale process for eligible borrowers who need to sell their property for less than the amount owed. The requirements that apply can depend on the investor or insurer behind the mortgage.

How do I contact the Freedom Mortgage Short Sale Department?

Freedom Mortgage currently instructs borrowers to call 855-690-5900 and ask for the Short Sale Department. Borrowers should verify current contact information directly with Freedom Mortgage.

How does a Freedom Mortgage short sale work?

A Freedom Mortgage short sale generally involves listing the property, obtaining an offer, submitting the required short sale documentation, property valuation and review, receiving a decision, and completing the closing if the sale is approved.

Who determines the guidelines for a Freedom Mortgage short sale?

The guidelines that apply can depend significantly on the investor or insurer behind the mortgage, such as FHA, VA, Fannie Mae, Freddie Mac or another investor. Freedom Mortgage services and processes the loan and short sale.

Can I complete a Freedom Mortgage short sale in Florida?

Potentially. Florida homeowners who owe more on their Freedom Mortgage loan than their property can sell for may be able to pursue a short sale, subject to the applicable loan, investor or insurer requirements and approval.

Freedom Mortgage Short Sale: Process, Department & Help

Have a Freedom Mortgage loan and need to sell for less than you owe?

Short Sales with Freedom Mortgage can be hit or miss. If you have a Freedom Mortgage loan and owe more than your home could sell for, a short sale can help you sell your home and get your excess mortgage debt forgiven.

Freedom Mortgage can be very time consuming to deal with if you need to complete a full short sale package. You can expect a much quicker response if you qualify for some type of streamline short sale option.

Freedom Mortgage Short Sale Department:

855-690-5900 and ask for the Short Sale Department.

Hours: M-F 8 a.m.–8 p.m. & Sat 9 a.m.–2 p.m. ET

FREE CASE EVALUATION

How Does the Short Sale Process with Freedom Mortgage Work?

Once documentation is deemed complete, Freedom usually picks up the pace. You can expect an uncomplicated short sale with Freedom to take about 4-5 months from list to close.

Will you qualify for a short sale with Freedom? Find out now!

Who Actually Approves The Freedom Mortgage Short Sale?

Freedom may be the one you speak to and send your payments to, but Freedom usually does not actually own your loan. They just service it for another entity - usually FHA, VA, Fannie Mae or Freddie Mac. and they just process your short sale to the investor guidelines. How the process works and what guidelines apply largely depends on the investor or insurer behind your loan, while Freedom Mortgage services and processes the short sale.

A Recent Florida Freedom Mortgage Short Sale

We recently helped a Florida homeowner complete a Freedom Mortgage short sale on an underwater condo and sell with full debt forgiveness!

Read the Freedom Mortgage short-sale success story →

Need to Sell but Owe More on your Freedom Mortgage Than Your Florida Home Is Worth?

Sell your underwater home, avoid foreclosure, and settle your mortgage debt with experienced Florida Short Sale Realtors!

We've specialized in short sales since 2008. Sit back and let us handle all the details!

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Last Updated on September 16, 2026 by Minna Reid

freedom mortgage

September 11, 2025

Freedom Mortgage short sale allows this Florida seller to walk away from her upside down condo debt free!

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about me

Minna Reid

Minna Reid is the Broker-Owner of Reid Real Estate Group, serving FL & CT, specializing in foreclosure prevention and short sales.

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         jmccauley714 
 
 
 
   Verified Minna and her team did a excellent job in helping us short sale our home she was very kind, honest and up front about the process A+++ Communication, Service and knowledgeable highly recommended if you need a realtor.
  
  Posted on Zillow  
 
 
 
        wevschuab13 
 
 
 
   Verified It was a pleasure working with Minna and her team. From the beginning to end, she was there to guide me in the right direction. She does what is best for her clients and will go above and beyond to make sure the whole process is as smooth and it can be. I can't thank her enough for all her help and guidance during the sale of my property.
  
  Posted on Zillow  
 
 
 
        Melissa Case 
 
 
 
   Verified Responsiveness.
Peace of mind.
The feeling that, once and for all, everything was going to be OK.

I got all these things and more the first time I spoke with Minna Reid. I was dealing with a home sale that, at first, had seemed uncomplicated and simple, but then was anything but. I needed help, and I needed it badly. 

From that first moment, Minna jumped immediately into action. She was thorough in her explanation of the things we needed to do and why, and took charge of the whole situation. I was able to take a breath and unclench my shoulders for the first time in weeks. I needed solutions, and she had them. I could not have asked for a better, stronger advocate. On top of that, she’s funny, personable, and knows how to relate to people (this is helpful not just when dealing with stressed-out clients—ME—but also with attorneys, other REALTORS, and difficult buyers).

If you have a tricky home sale situation, I could not recommend Minna highly enough. And she was right: she said everything would be OK, and it was.
  
  Posted on Zillow  
 
 
 
        Kelly Turnage 
 
 
 
   Verified I was about to give up and just turn my back on my home and walk away. However, I found Minna and she was a lifesaver! Other realtors tried to help me but made the situation worse and wasted my time. If you are in the unfortunate place of having to short sale your home, then you know it can be embarrassing and difficult, especially if you don't have real estate experience. Minna knew exactly what to do, and was very professional, knowledgeable, and, kind. Minna was on my side and handled all the challenges we faced with selling a house that at times seemed like it didn't want to be sold! I appreciate Minna and know that you will love her.
  
  Posted on Zillow  
 
 
 
        Tony Guglielmi 
 
 
 
   Verified We are grateful to Minna for her knowledge, professionalism and expertise in shortsales. She truly cares about her clients and it is evident in the manner she represents them. She has a strong work ethic and keen negotiation skills when dealing with financial institutions and buyers. We strongly recommend Minna and her company if u want immediate results.
  
  Posted on Zillow  
 
 
 
        Elizabeth Smith 
 
 
 
   Verified I inherited my father's head and was completely in over my head. Minna was amazing in getting things straightened out with the mortgage company (which had been giving me issues for years) and was so responsive to my emails. I had a lot of questions, as this was my first time going through the selling process, and she was able to answer them all quickly. The selling process was so much easier than I expected it to be, thanks to Minna and her team!
  
  Posted on Zillow  
 
 
 
        qr8k4tscxx 
 
 
 
   Verified My husband and I worked with Minna to sell my father-in laws house after my father-in law-died. 
Minna is highly knowledgeable in regards to selling estate properties. She took the time to explain the process to us and she was very responsive to our needs. Minna was also highly motived to assist us in selling the house quickly. We listened to Minna’s advice in regards to selling the house (during the bidding process) and the house sold for well over what we expected. 
My experience with Minna was very positive and I highly recommend her to anyone who is looking to sell a property. Thanks again for everything Minna!
  
  Posted on Zillow  
 
 
 
        DanLing8 
 
 
 
   Verified Minna has been a fantastic partner in selling our home. She was patient with us in explaining the differences between a short sale and conventional sale and helped us think through the pros and cons of each. During the process of the sale she was strategic and got us the best price for our sale. The process was painless and quick and every step of the way she managed each and every detail flawlessly.
  
  Posted on Zillow  
 
 
 
        Anthony DeLuca 
 
 
 
   Verified Minna helped witha  dificult short sale. It was a process that went on for several months. Minna was professional and attentitive to the process. She worked diligently with the bank to get the deal done. I don't think we could have done it without her!
  
  Posted on Zillow  
 
 
 
        Marcin Rafalowicz 
 
 
 
   Verified Minna was the best thing that happened to us in a very long time. We’ve been planning on moving from on house and on with our lives and the house was simply an anchor. We’ve had two liens on the house that would take a long time to cure and we were forced to sell the house to settle with the bank. I’ve looked around for someone who specializes in short sales, not just an agent that did 2-3. The process took a while, but Minna was super persistent, and her strategic approach was close to none. We have lost two buyers, got a push backs from the back and lean holders and she was able to stay on top of it and at the same time, she kept us afloat emotionally. Because of her, we were able to leave CT and move to FL where we are currently waiting for our new place. Warm thank you to Minna and her team for doing what they do best. Marcin with family.
  
  Posted on Zillow  
 
 
 
  
  
 
 
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Short Sales with Freedom Mortgage