{"version":"1.0","type":"card","id":"568d73ba-1f46-4edf-8e33-d480ab850a58","url":"https://stacklist.com/card/568d73ba-1f46-4edf-8e33-d480ab850a58","title":"What Is a Short Sale? (CFPB)","source_url":"https://www.consumerfinance.gov/ask-cfpb/what-is-a-short-sale-en-290/","note":"The plain-English government explainer every Jacksonville homeowner should read first. It covers what a short sale actually is, plus the deficiency waiver you'll want in writing before closing, something an experienced short sale agent will insist on.","image":{"url":"https://ucarecdn.com/b05eba52-3c4e-47dc-a15a-ab2a33612743/","alt":"What Is a Short Sale? (CFPB)","width":1061,"height":707},"stack":{"id":"1fd2d972-b0dd-491a-9c6d-6384039957d1","title":"Short Sale Help in Jacksonville","url":"https://stacklist.com/c/finance/stack/1fd2d972-b0dd-491a-9c6d-6384039957d1"},"created_at":"2026-07-16T05:04:30.127Z","updated_at":null,"aco":{"summary":"A short sale is a type of loss mitigation that allows homeowners to sell their property for less than the remaining mortgage balance as an alternative to foreclosure. Borrowers should seek HUD-approved housing counselor assistance and request a deficiency waiver in writing to protect themselves from potential lender lawsuits for the remaining debt.","tags":["short-sale","mortgage","foreclosure","loss-mitigation","housing-counseling","deficiency","real-estate"],"key_entities":[{"name":"U.S. Department of Housing and Urban Development (HUD)","type":"organization","confidence":0.99},{"name":"Consumer Financial Protection Bureau (CFPB)","type":"organization","confidence":0.99},{"name":"short sale","type":"concept","confidence":1},{"name":"loss mitigation","type":"concept","confidence":0.95},{"name":"deficiency waiver","type":"concept","confidence":0.95},{"name":"cash-for-keys","type":"concept","confidence":0.9},{"name":"HOPE Hotline","type":"technology","confidence":0.85}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-07-16T05:04:40.574Z"},"token_counts":{"approximate":503,"cl100k":441},"content_hash":"sha256:f380015eaa67540c651a45af29525f30acc5721af4e443ea38136879e94f4a74","acp_version":"0.2","body_available":true,"body_tokens":503,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/568d73ba-1f46-4edf-8e33-d480ab850a58.json","html":"https://stacklist.com/card/568d73ba-1f46-4edf-8e33-d480ab850a58","md":"/api/public/card/568d73ba-1f46-4edf-8e33-d480ab850a58.md","stack_json":"/api/public/stack/1fd2d972-b0dd-491a-9c6d-6384039957d1.json"}}