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.
Behind on your mortgage in Duval County? This guide walks through every path: refinance, loan modification, selling, short sale, and deed-in-lieu, so you can compare before deciding. The worst thing you can do is nothing.
Jacksonville Area Legal Aid partners with the City of Jacksonville on a Foreclosure Intervention Program offering mortgage counseling, catch-up assistance, and legal support, and sometimes as little as $1,500 saves a family's home. Free help, right here in Duval County.
HUD-approved counselors give free or low-cost advice on foreclosure avoidance and short sales, and Jacksonville has a HUD field office right downtown on West Bay Street. Call (800) 569-4287 or search online for an agency near you.
A directory of HUD-certified nonprofits serving Jacksonville homeowners, including MMI's 24/7 foreclosure prevention line and GreenPath's financial counselors. One-on-one help reviewing your finances and building an action plan, at no cost.
Got a letter from your mortgage servicer full of terms like forbearance, hardship, and NPV? This decoder explains what each one means for Northeast Florida homeowners weighing a short sale against other loss mitigation options.
Timing matters in a short sale: submit your complete application more than 37 days before a scheduled foreclosure sale and your servicer must respond in writing within 30 days. Know the deadlines before they know you.
HUD's deeper reference on foreclosure prevention, including the rule that servicers can't file for foreclosure until you're more than 120 days behind. Useful background for any Duval County homeowner comparing retention options with a pre-foreclosure sale.
Homeowners in distress are prime targets for scams. The Duval Clerk's free fraud alert notifies you whenever a document is recorded under your name, a smart safeguard while navigating a short sale in Jacksonville.
Short sales are paperwork-heavy negotiations with your lender, and experience matters. Yvette Salley brings 14+ years of residential sales and a former FDIC accountant's eye for the numbers to short sales across Jacksonville and Northeast Florida.