How does the Florida short-sale process work?

Ask the servicer for its current loss-mitigation contact, instructions, required records, and secure delivery method. The CFPB explains mortgage-payment options, and a HUD-approved housing counselor can help the owner prepare questions.

Legal, tax, and credit questions belong with qualified professionals.

Alexandra DuPont holds the SFR® Short Sales and Foreclosure Resource certification.

NAR describes SFR® as a certification for REALTORS® working with distressed-property buyers and sellers, including coordination with finance, tax, and legal professionals. Alexandra’s individual credential is also listed in her named public agent record, verified August 14, 2026.

Organize ownership, loan and lien contacts, income or hardship records requested by the servicer, association accounts, title issues, condition, occupancy, access, market evidence, and the proposed contract.

The seller document checklist and remote-sale workflow help control the property file.

Use the servicer’s current channel. Keep a dated log of delivery, acknowledgements, requests, responses, updated documents, and written decisions. A complete package supports review but does not control the decision.

Review timing separately in the short-sale timing guide.

The lender or servicer decides whether to accept the proposed transaction. Florida counsel should review deficiency and release language under Florida Statutes §702.06.

A qualified tax professional should review any canceled-debt question using IRS Publication 4681. Title and closing professionals control their respective requirements.