IF YOU WANT TO STAY
Explore ways to keep your home
Ask about a loan modification or temporary forbearance. A modification changes loan terms; forbearance pauses or reduces payments temporarily, but does not erase them.
Explore CFPB guidance ↗Brevard County · Homeowner guidance
Need to sell but owe more than your home is worth?
You don’t have to figure out the next step alone. Jesse Griffith and his local real estate team can help you understand the selling side of a short sale and the questions to ask before you decide.
A no-obligation first conversation. No financial documents needed to get started.
Begin with the bigger picture
More than one possible path.
A short sale isn’t the right fit for every homeowner. Start with your goals, then ask your servicer which options apply to your loan.
IF YOU’RE CONSIDERING SELLING
Understand your selling picture
Compare a realistic sale estimate with mortgage payoffs and selling costs. If proceeds can cover them, a traditional sale may be possible. If not, ask whether a short sale is an option.
See the short-sale process ↓IF YOU’RE UNSURE
Get help weighing your options
A HUD-approved housing counselor can help you consider next steps. Ask your servicer about alternatives, including a deed-in-lieu, and have an attorney explain the terms before transferring ownership.
Find housing counseling ↗Availability and eligibility vary. These are conversation starters, not a recommendation to stop payments or choose a particular option.
How a short sale works
A sale with your lender’s approval.
A short sale means selling for less than the mortgage debt, with lender agreement. Other lienholders may need to approve the sale too.
“Short” describes the payoff, not the timeline.
Talk through the selling side →There is no guaranteed completion date. Lender review, missing information, other liens and the buyer’s closing requirements can affect timing. Ask for current expectations and keep track of every deadline.
- 01
Clarify your goals and deadlines
Would you prefer to stay or sell? Contact your servicer about available options. Keep any notices and deadlines handy; do not wait for an agent conversation if a deadline is close.
- 02
Review the home’s market position
Jesse or a local agent can discuss comparable sales, property condition and likely selling costs. A market review is not an appraisal or lender approval.
- 03
Follow the servicer’s application process
Request its current checklist and secure submission instructions. Confirm what is missing, who your contact is and how to check the status.
- 04
Market the home and seek approval
If you choose this route, work with your agent on the listing and offer. The proposed sale and payoff terms go through the required lender and lienholder review.
- 05
Review written terms, then plan closing
Have a Florida attorney and tax professional review remaining-debt and tax implications before you commit. Coordinate closing and your move only with the required approvals and contract terms in place.
A little preparation helpsStart with questions.
Start with questions.
Gather documents later.
You don’t need to upload financial paperwork to start a conversation here. Your servicer sets the requirements for any assistance application.
CFPB: Working with your servicer ↗For your own preparation
- Your goals: whether you’d prefer to stay, sell or explore both.
- Your questions: what the review involves, who to contact and when to follow up.
- Your records: locate mortgage statements, correspondence and any notices with deadlines.
- Later, if requested: use the servicer’s checklist for income, expense or hardship documentation and its verified secure delivery method.
Keep sensitive records private. This page only asks for contact details, not loan numbers, balances, income or documents.
Jesse Griffith & local agents
Jesse Griffith · The House Hunters Group · Real Broker LLC
Let’s start with a conversation.
Serving homeowners across Brevard County, including Palm Bay, Melbourne, Viera, Rockledge, Cocoa, Titusville and the beachside communities.
We can discuss the local market, the sale process and next steps to explore with your servicer. You decide whether to move forward.
Have a foreclosure notice or sale date?
Contact your mortgage servicer and a Florida attorney promptly. A short-sale inquiry does not pause foreclosure or extend deadlines. A HUD-approved housing counselor can also help you explore options.
Lender approval, debt forgiveness and a foreclosure delay are not guaranteed. A short sale can affect your credit and may leave tax or remaining-debt obligations. This page provides general real estate information, not legal or tax advice.
Common questions
A few things worth knowing.
How long does a short sale take?
There is no single timeline. Ask your servicer about its review process and your agent about the sale and closing steps. Additional requests, other lienholders and buyer financing can affect the schedule. Don’t assume an inquiry or pending offer changes a foreclosure deadline.
What happens after I request a conversation?
Your contact details go to Jesse’s PropertyPulse administrative team for local agent follow-up. The first conversation can cover your questions and the selling process. Submitting this form is not a lender application, a listing agreement or a promise of approval.
Do I need to upload paperwork here?
No. This form asks only for contact details and permission to follow up. If your servicer later requests financial records, confirm its requirements and secure delivery method directly. Never send passwords or Social Security numbers through this inquiry form.
Do I need to be behind on payments?
Eligibility depends on your loan, lender and circumstances. Ask your servicer what applies to you. Don’t stop making payments just to try to qualify.
Does lender approval erase the remaining balance?
Not necessarily. Get the lender’s written terms and have a Florida attorney explain whether any remaining balance, often called a deficiency, is being waived. A lien release and release from personal liability are not necessarily the same thing.
Will I owe taxes on canceled debt?
Canceled debt may be taxable, although exclusions can apply in some circumstances. Rules and eligibility depend on your situation and the applicable year. Have a qualified tax professional review your specific facts.
What if I want to stay in my home?
Tell your servicer that keeping your home is your goal and ask about available loss-mitigation options. A HUD-approved housing counselor can help you understand your options. You don’t need to choose a short sale to ask for help.
Can I work with the agent who sent me this page?
Yes, you can request coordination with your referring agent when their name is shown on the form. Requests go through Jesse’s PropertyPulse administrative team. If the name is missing or incorrect, ask your agent for their current referral link before submitting.