Surety Homebuyers ⟫ Property Investment Services ⟫ Short Selling Your Home

SHORT SELLING YOUR HOME

Short Selling Your Home in Florida

Struggling with an Upside-Down Mortgage? We Can Help!

Do you owe more on your mortgage than your home’s current value and need to sell fast before it becomes overwhelming? Don’t stress — Surety Homebuyers is here to assist you. With our expertise in handling short sales, we’ll guide you through the process and make it seamless and stress-free. We understand the challenges of selling a home for less than what’s owed and are here to support you every step of the way.

We buy houses for cash in any condition or situation. With over 10 years of experience, our family-owned business is known for honesty, transparency, and hassle-free service. Contact us today by filling out the form below or calling (863) 250-0837. We’ll provide tailored solutions to help you move forward.

Advantages of a Short Sale in Florida

Pursuing a short sale on your home can provide several key advantages compared to simply going into foreclosure.

You can avoid having a foreclosure on your credit report, which causes severe, long-lasting damage.

Many lenders are also willing to forgive a portion of the remaining mortgage debt in a short sale, helping reduce your overall financial burden.

In a foreclosure, the lender seizes the property in a lengthy process, while a short sale keeps more control in the hands of the homeowner.

Sellers typically have to pay fewer fees and closing costs in a short sale transaction, as the lender often covers many of those expenses to facilitate the sale.

Short Sale Your Florida Home Commonly Asked Questions

Facing the risk of foreclosure and looking to sell your home before the bank takes over? Surety Homebuyers is here to help. As the leading real estate investor in Lakeland, we proudly serve homeowners in Winter Haven, Davenport, Poinciana, Haines City, and throughout Polk County. We specialize in fast; cash offers for homes in any condition or situation.

Let us help you escape debt and regain control of your future with a smooth, hassle-free sale. Call us today at (863) 250-0837 or fill out our Contact Form — we're here to answer any questions and provide your free, no-obligation cash offer!

What is short selling a house?

A: Short selling a house is when a homeowner sells their property for less than the amount they owe on their mortgage. This usually happens when the homeowner is facing financial hardship and cannot afford to keep up with their mortgage payments, or when the market value of the house has dropped significantly.

Why would someone short sell a house?

A: Short selling a house is an option for homeowners who are struggling financially and can no longer pay their mortgage. There are various situations that can lead to this scenario, such as losing income because of job loss, divorce, illness, or death; owing more on the mortgage than the house is worth due to market decline or interest rate changes; needing to move to another location because of work, military, or family obligations; or facing bankruptcy or foreclosure actions from the lender.

How does short selling a house work?

A: Short selling a house is a process that involves several steps. First, you need to contact your lender and request permission to do a short sale. Then, you need to find a buyer who is willing to pay less than what you owe on your mortgage. Next, you need to submit the buyer’s offer to your lender for approval. If your lender agrees, you can proceed with the sale and give the proceeds to your lender.

Can you short sell your home to a family member?

A: Yes, a short sale can be made to any interested buyer, including family, but it still requires lender approval.

Does short selling a home hurt your credit?

A: Yes, but not as severely as a foreclosure. Expect a moderate drop in your credit score.

Short Sale vs Foreclosure

A: A short sale is a voluntary process where the homeowner sells the property for less than the amount owed on the mortgage, while foreclosure is an involuntary process where the lender takes possession of the property after the homeowner has failed to make mortgage payments. Short selling a home can be less damaging to your credit score than foreclosure, but both options have potential downsides.

Have Questions About How Short Sale Your Home? Contact Us!

Break Free from Negative Equity and Mortgage Stress Facing overwhelming mortgage payments or negative equity? Let us lighten the load. As Lakeland’s most trusted cash home buyer, we specialize in purchasing houses in any situation—regardless of condition, liens, or financial challenges. No commissions, no hidden fees– receive a fair cash offer fast. Expert guidance through lender negotiations and the short sale process. Top-rated local investor with proven results and 7-day/week availability. Don’t navigate this alone. Call (863) 250-0837 or fill out the form below to explore your options today. Your fresh start is just a conversation away.

Our services

We buy houses in Florida in all situations no matter your reason for selling!

No hidden fees or commissions. Sell your house in Florida as-is and close on your schedule no matter what your reasons for selling are.

DISTRESSED HOMES

Looking to sell an old home? We can help you.

PROBATE PROPERTIES

property stuck in probate? We'll help.

TAX DEED

We can buy your lien property. No hassle.

SELL YOUR HOME FAST

Let us handle the stress while you relax.

TENANT ISSUES

We can help with the trouble tenants. We can streamline the eviction process.

VACANT LAND

We will give you a cash offer for your vacant land, any location.

Why Homeowners Trust Us

Our main core values & experience

Trusted Local Homebuyer

As a Lakeland based company, we take pride in serving our community with honesty and integrity. Homeowners trust us for fair offers, transparent deals, and a hassle-free selling experience.

We believe in Transparency & Integrity

We believe in making home sales simple and stress-free. No hidden fees, no last-minute surprises - just a simple, straightforward process that puts you in control.

Proven Track Record

With over 15 years of experience buying homes in Lakeland and across Polk County, we’ve helped countless homeowners sell quickly and move forward with confidence.

Fast & Flexible Closings

We understand that every homeowner’s situation is unique, which is why we offer closings in as little as 7 days or on your timeline. You decide when to sell, and we handle the rest.

Get a Cash Offer on Your Polk County Home Today!

We Buy Homes in Polk County in AS-IS CONDITION. No Hidden Fees or Commissions. Sell Your House As-Is and Close on The Day You Choose. Fill Out the Form Below and Get Your Free Offer Today!

“I sold my house to Surety Homebuyers and it was an amazing experience. We closed on the property in exactly 2 weeks just what I needed and everything went smoothly. Such a relief! I would recommend them to anyone needing to sell fast with zero hassle”

- Rachel Gallegos.

Surety Homebuyers is a company that buys houses in Polk County, Florida. We specialize in buying houses fast for cash, but sometimes a cash offer isn’t the best fit. We have other solutions to help home sellers beyond a typical cash sale. We are here to help. No realtors and no repairs necessary! You can sell your house as-is and close on the day of your choice.