Florida Short Sale Specialists

Need to Sell but Owe More 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! 

  • 20 Years of Experience
  • 400+ Closed Short Sales
  • 95% + Approval Rate
  • ZERO Out of Pocket Costs!
Get a Free Short Sale Evaluation Now!

Florida Short Sale Help for Homeowners Who Owe More Than Their Home Is Worth.

You're not alone. Thousands of Florida homeowners have faced this situation, and there are often more options than you may realize.

What is a short sale exactly?

A short sale is the process by which a home is sold for less than is owed on the mortgage balance. We list your home, negotiate the short sale with your lender, get the short sale approval and get you to close smoothly and swiftly!

Minna Reid (860) 416-1255 is a Florida Realtor, SFR certified short sale expert, and Broker-Owner of Reid Real Estate Group. The Reid Group has helped hundreds of clients avoid foreclosure through successful short sales since 2008, and we can help you!

SFR short sales and foreclosure resource

KELLY

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.

WILL YOU QUALIFY? You may qualify for a short sale if YOU:

  • Are facing Florida foreclosure, or wish to stop the foreclosure process.
  • Owe more than your home is worth and lack the funds to make up the difference.
  • Are facing financial trouble or falling behind on your mortgage payments.
  • Are facing a current or future financial hardship such as divorce, retirement, layoff, employment relocation.
  • Have had other workout options such as a forbearance or loan modification declined.
  • Are considering just walking away but want to avoid the consequences of foreclosure and/or a deficiency judgment.
  • Have been caught in a housing market downturn and lost your equity.
  • Have a probate home to sell, but owe more than it's worth.
  • Have a HUD Partial Claim in excess of the value of your home.
Will you qualify for a short sale? Find out now!

The Short Sale Process:

5 STEPS TO THE SHORT SALE PROCESS

The Florida short sale process doesn't have to be overwhelming!

With an experienced Florida short sale Realtor by your side, your short sale doesn't have to be complicated! 

GET THE DETAILS ON THE SHORT SALE PROCESS.

Stop Worrying About Your Mortgage! 

HOW LONG WILL THE SHORT SALE TAKE?

How long will a short sale take?
WE CLOSE OVER 95% of OUR SHORT SALES! IF WE CAN'T SHORT SELL YOUR HOME YOU OWE US NOTHING!

DAVID

"When it comes to short sales, Minna is an expert. We had no idea that finding a buyer would be the "easy" part. Getting the bank's approval for the sale was a challenge. Our bank constantly made mistakes, even denying us at one point. The whole process was routine for Minna and she reassured us that we would work through the hiccups and eventually get approved. And she was right. What a relief! We hired Minna based on all of the positive feedback we found online and are glad we did. She's smart, responsive, knowledgeable and shows an overall level of professionalism that puts her in a different league than the rest. She regularly exceeded our expectations and we would recommend her to anyone looking to sell their home."

our Florida Short Sale Services:

  • Pre-listing services including market analysis, property preparation advice and pricing strategy
  • Full scale property marketing
  • Showing management and feedback reports
  • Expert sales negotiations and contract review
  • Short sale document preparation, review, and regular follow up with lender
  • BPO / Valuation management, and value dispute services
  • Short sale processing, including assistance with negotiating favorable terms of approval, obtaining lien releases, and regular follow up with lender loss mitigation department.
  • Regular homeowner updates
  • Coordinating with foreclosure and/or probate attorneys  and vendors (as required).
  • Closing document review
  • Post closing support
We provide full scale Florida short sale services with zero out of pocket costs!

FLORIDA SHORT SALE FREQUENTLY ASKED QUESTIONS:

What is a short sale?

A short sale is the a sale of real estate for an amount less than the balance owed on the mortgage. The lender must approve the sale. Short sale approvals are gained through a specialized documentation and negotiation process with the lender. 

How does the short sale process work?

After we've had a quick conversation to determine whether you qualify, we will meet at your home to evaluate the property and discuss the short sale in more detail. The home will then go on market. After securing a buyer, we will negotiate the sale with the lender on your behalf, get the approval and close the sale like any other. 

Do I need to make my mortgage payments?

Most homeowners are already behind on the mortgage payments, or choose not to make them any longer during their short sale, but in some instances you can still be approved while current. 

Do I have to move out to do a short sale?

You do not have to move out of the home until closing. In fact your sale may be easier if you are occupying the home during the process, and you may even qualify for relocation assistance. 

Do I need to hire a Realtor for the short sale?

YES! In virtually all short sales, your lender will require that a real estate agent is involved and that home was listed in MLS for a period of time.

How do the Realtor commissions get paid?

Nearly 100% of the time short sales are FREE! Most sellers have zero out of pocket costs. Commissions and closing costs get paid out of the proceeds of the sale as allowed by the lender. 

I am already in pre-foreclosure. Is it too late?

You can still sell if you are already in the foreclosure process. You have until the day your home forecloses to do a short sale. 

I just failed a loan modification. Can I still do a short sale?

Yes you can still sell after a forbearance, loan modification or any other failed loan workout attempt.

How long will the short sale take?

Most short sales take 4-5 months total from the day you list your home, to the day the home closes. 

Can I receive any funds from my short sale?

While sellers may not receive proceeds from the sale of their short sale home, many lenders are offering relocation assistance to qualifying owner occupant short sellers.

What happens if I just walk away and let the home foreclose?

Not only will you end up with a foreclosure on your credit, but Florida is a deficiency state. If a Florida home forecloses, the lender can be granted a deficiency judgement and pursue you for their losses.

I was already declined. Can I try again?

Yes. We regularly get short sales approved for homeowners that were previously rejected by their lender.

What are my responsibilities in a short sale as the seller?

While seller fees are covered, in order to have a successful short sale, sellers do have some key responsibilities including property maintenance and keeping up with documents.

short sale evaluation

WHAT WILL THE SHORT SALE COST ?

Considering a Florida short sale but wondering how much it will cost? How will all the fees get paid if there is no equity in the home? In a short sale, all closing costs are paid out of the proceeds of the sale, with the lenders agreement. FIND OUT HOW IT WORKS!

FREE SHORT SALE

Nearly 100% of the time short sellers have no out of pocket costs in a short sale!

JEROME

Minna was a God send! I was being told by everyone I couldn't short sell my home because I was current on my mortgage. My fiance found Minna's page and I contacted her the next day. She responded quickly and came out to view the home faster than expected. She told me she could get it sold and if all goes well it should be done by July. Well we closed on Friday May 18th. Jaime and Minna made this transaction work so smoothly and explained everything every step of the way. I can't thank her and Jaime enough! I will be recommending her to anyone that needs help with selling a home. Thank you Minna! You are the best!

The Benefits of a Short Sale vs. Foreclosure:
  • Control over the sale of your home.
  • Minimize credit repercussions.
  • Eliminate or minimize the chances your lender will pursue you for a deficiency judgment.
  • Avoid the stress of foreclosure.
  • Know you are doing the right thing and minimize the damages.
picture of lady pondering questions
Maybe you are in over your head like millions of others. You have the opportunity to try to make the best of this bad situation for everyone involved. Selling short can help protect your financial future, improve your bottom line, salvage your credit report, and save your dignity.
FREE SHORT SALE SURVIVAL GUIDE! 
A STEP BY STEP MANUAL FOR GETTING THROUGH THE SHORT SALE PROCESS!

Short Sale Lenders, Servicers AND Investors we have experience with:

AmeriHome

ASC

Bayview Loan Servicing

Caliber Home Loans

CCM

Cenlar

CitiMortgage

Countrywide

Ditech 

Fifth Third Bank

Flagstar

Guaranteed Rate

Guild Mortgage 

Home Point

HomeBridge

HomeEq

HSBC

IndyMac

Lakeview Loan Servicing

LoanCare

loanDepot

M&T Bank

OCWEN

OneWest Bank 

PHH Mortgage Services

Planet Home Lending

PNC Bank

Provident

RoundPoint Mortgage Servicing

ServiceMac

Shellpoint Mortgage Servicing

SLS (Specialized Loan Servicing)

SPS (Select Portfolio Servicing)

TD Bank 

Truist Mortgage

U.S. Bank

Webster Bank

We have experience with FHA, VA, USDA, Fannie Mae, Freddie Mac and Portfolio Loans. 

We assist homeowners with short sales throughout Northeast and East Central Florida, including:

Nassau County, Duval County, Clay County, St. Johns County, Putnam County, Flagler County, Volusia County, Brevard County, Indian River County, St. Lucie County, Martin County, and Palm Beach County, including the cities of Fernandina Beach, Yulee, Callahan, Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach, Orange Park, Fleming Island, Middleburg, Green Cove Springs, St. Augustine, St. Augustine Beach, Ponte Vedra Beach, Palatka, Palm Coast, Flagler Beach, Daytona Beach, Ormond Beach, Port Orange, New Smyrna Beach, Deltona, DeLand, Titusville, Cocoa, Cocoa Beach, Rockledge, Melbourne, Satellite Beach, Indian Harbour Beach, Palm Bay, Sebastian, Vero Beach, Fort Pierce, Port St. Lucie, Jensen Beach, Stuart, Palm City, Hobe Sound, Tequesta, Jupiter, Palm Beach Gardens, North Palm Beach, Lake Worth Beach, Wellington, Greenacres, Boynton Beach, Delray Beach, Boca Raton, West Palm Beach, Royal Palm Beach, and surrounding Florida communities.

FL county map
Sell Your Home Without Bringing Cash to Closing! 

Fill out this quick form to see if a short sale can help you move on - free, confidential, and stress-free. We’ll guide you step by step! 

Free. Confidential. No out of pocket costs. Your info is always 100% private & secure.

Whatever words I use in this review won't do Minna justice. She did an absolutely phenomenal job as our agent and shepherded us through the tricky ins and outs of a short sale. Finding a buyer wasn't too hard, but the process with our mortgage lenders was. These transactions are not for the faint of heart, but I always knew we were in good hands. Probably the most important quality for a real estate professional in my opinion is accessibility. Minna always answered our emails, texts and calls. I tried not to abuse the privilege by bombarding her, but even during non-working hours, she was always patient. Kind of related to accessibility is flexibility, and she came to our home late in the evening to accommodate my schedule & my wife's schedule as well. Two other qualities I value highly are integrity and accountability. Towards the end of our odyssey, there was a misunderstanding between us and the seller about an appliance. I emailed Minna about it, and chatted with our Attorney as well. As it turned out, the mistake was essentially mine yet Minna still offered to chip in if it ended up costing us anything. She did not have to do that, and could have easily shrugged her shoulders and put the ball in my court. That gesture spoke volumes to me about the kind of person and professional she is. As it turned out, our attorney who Minna referred to us did an equally phenomenal job and it didn't end up being an issue. The thing to take from this is you can completely put your trust in Minna. In closing, she did something I didn't think was possible. We had to relocate for family reasons, and we were substantially underwater. I didn't think there was any way it would happen for us, but she never gave up. When the banks hemmed or hawed, she kept after them. When one of the lenders issued an initial denial, she demanded an explanation and reopened our submission. In the end, both lenders accepted short payoffs and our family was able to make that move. In my profession, I deal with many real estate agents and sadly, I see many who quite literally "mail it in", and sometimes for astronomical commissions. Minna worked harder than any other real estate agent I've ever seen. I strongly recommend her as a real estate agent, especially if you are considering a short sale.

~L.F.

Minna, My wife and I would like to sincerely thank you for making an impossible situation possible. Your level of expertise is uncommon in any line of business. You truly are an expert in your field. Our recent home sale was the 4th  real estate transaction in the last 6 years and by far the most demanding. Here is what made you stand out and above everyone else we transacted business with.You gave us a dose of reality and removed emotion from the transaction. As I walked through the details of our home and detailed description of the numerous upgrades you simply grinned and moved on to the next room. Bottom line the potential buyers do not care how much money you spent on upgrades as they are looking for the best deal in this market so price it properly. Your level of communication is exceptional. I expected a return call or email the same day when I had questions. You always returned a message within minutes and always with an answer, more importantly the right answer. A big thank you for keeping in touch and actually negotiating our deal while you were on vacation. Could I ask for anything more?Competence and Confidence. I knew I was in good hands when you explained how you planned to sell our house and sell it quickly. I had a list of questions, none of which I had to ask after your proposed plan of action. You gave me a clear and detailed explanation of what to expect from our lender and in hindsight you were spot on. You are not a sales person, you are a results driven professional.  Our prior realtor ( who had our listing for 3 years) was a “yes” person with lofty expectations. He overpromised and under delivered. You were hired to sell our home for the best price in short time frame. You sold our home in 16 days, closed in 45 days from list date, with a cash offer on a jumbo transaction. Not to mention in the midst of the most difficult real estate market our generation experienced. We cannot thank you enough for your flawless execution of our request to sell our home. You absolutely exceeded our expectations. I work with hundreds of high net worth clients and without hesitation would recommend your services to any of my clients, friends and family. Cheers to you and your team!

~b.p.

Recent Short Sale Posts:

July 24, 2026

Will I have to make a cash contribution in a Florida short

Do I Have to Bring Money to Closing in a Florida Short Sale?

July 23, 2026

Considering a short sale but current on the mortgage payments? Will you

Can I do a short sale before I miss payments?

July 5, 2026

Wells Fargo Short Sale Process Considering a short sale and have a

Short Sales with Wells Fargo

July 5, 2026

Clone of Short Sales with Chase Bank

Short Sales with Bank of America

July 1, 2026

Chase Bank Short Sale Process Considering a short sale and have a

Short Sales with Chase Bank

June 30, 2026

The Short Sale Process with Newrez  Newrez, (which is essentially the same

Short Sales with Newrez

June 24, 2026

What are sellers responsible for in a short sale of their home?

Seller Responsibilities & Costs in a Short Sale

June 10, 2026

Cross Country Mortgage Short Sales Considering a short sale and have a

Short Sales with CrossCountry Mortgage

May 26, 2026

Jacksonville, Florida New Construction Home Sales Prices Take a Tumble! New construction

Jacksonville FL New Construction Home Sale Prices Down 10% Since Market Peak!

May 9, 2026

Short Sales with Carrington Mortgage Short Sales with Carrington Mortgage are pretty

Short Sales with Carrington Mortgage

March 23, 2026

Short Sale vs. Foreclosure If you owe more on your home than

TOP 5 BENEFITS OF A SHORT SALE VS. FORECLOSURE

February 24, 2026

How long will the short sale process take? While all short sales are

How long will my Florida short sale take to close?

February 1, 2026

What to expect from your short sale with PennyMac Short Sales with

Short Sales with PennyMac

February 1, 2026

Short Sale Success with a Newrez jumbo mortgage! After losing their restaurant

Short Sales with Newrez – a jumbo loan short sale success!

January 19, 2026

How does VA handle the deficiency in a short sale? VA has

What happens to the deficiency in a VA short sale?

January 6, 2026

Top Tips To Get Through Your Short Sale Smooth And Easy! Facing

TOP 5 TIPS FOR A SMOOTH SHORT SALE!
Free 15-Minute Consultation!