Miami Short Sales, Done Right
If you've found this page, your house in Miami is probably underwater, behind on payments, or already facing a foreclosure date. A short sale lets you sell for less than what's owed on the mortgage, with your lender's approval — and it's one of the most effective ways to avoid foreclosure while protecting what's left of your credit.
Short sale negotiations and paperwork can be intimidating to take on alone. As a dedicated short sale specialist, Antlop Investment Properties manages the lender negotiation, required documents, and timeline on your behalf, so you're not doing it by yourself.
As the leading short sale specialist serving Miami-Dade County, we work with homeowners across:
If you'd like to know more about how a short sale works and whether it fits your situation, you'll find a full list of frequently asked questions further down this page.
What Is a Short Sale?
Short sale, defined: selling your house for less than what's owed on the mortgage, with your lender's written approval, in order to avoid foreclosure.
We'll Short Sale Your House in Miami, No Matter the Condition
The condition of your home doesn't disqualify you from a short sale. Whether it needs major repairs or just needs a buyer, we can help you list and negotiate the sale with your lender — without spending money on repairs first.
A Short Sale Lets You Repay Your Loan in Full
Some homeowners qualify to repay their loan in full through a short sale, especially when there's enough equity to satisfy the lender. If you're not sure where you stand, we'll walk through the numbers with you at no charge.
You Can Get Money From the Bank for a Short Sale
Many lenders offer relocation assistance — sometimes several thousand dollars — to homeowners who complete a short sale instead of going through foreclosure. Eligibility depends on your loan, lender, and program, but it's worth exploring before you assume there's no benefit to selling this way.
Want to know if a short sale fits your situation?
Get a Free Short Sale ReviewShort Sale vs Foreclosure Miami — What's the Real Difference?
Homeowners often assume the outcome is the same either way. It isn't. Here's how a short sale and a foreclosure actually compare for a Miami homeowner:
| Factor | Short Sale | Foreclosure |
|---|---|---|
| Who controls the sale | You do, with lender approval | The court and the bank |
| Credit impact | Lower, shorter recovery time | Severe, can last 7+ years |
| Public court record | Typically none | Yes, public filing |
| Remaining loan balance | Often forgiven by agreement | May pursue a deficiency judgment |
| Time in the home | Until the sale closes | Until the court sets a sale date |
How Do I Know If a Short Sale Is Right for Me?
If you're behind on mortgage payments, owe more than the home is worth, or know foreclosure is coming and you'd rather sell on your own terms, a short sale is worth exploring. The earlier you reach out, the more time we have to negotiate with your lender on your behalf.
How a Short Sale Helps You Sell House Short Sale Miami-Style
Credit Impact
A short sale generally affects your credit far less than a completed foreclosure, with a faster path to rebuilding once it closes.
No Foreclosure Filing
Once a short sale is approved and closes, the foreclosure process tied to that mortgage typically ends — no court process, no public record.
Deficiency Relief
Depending on your lender, the remaining loan balance may be forgiven as part of the agreement — far less common after a foreclosure.
Why You Need a Miami Short Sale Expert
Lenders have their own internal process for reviewing and approving short sales, and a single missing document can delay your file by weeks. Having worked with sellers across Miami-Dade County since 2012, we know what each lender typically asks for, how to package a hardship file correctly, and how to keep your sale moving instead of sitting in a queue.
Short Sale Specialist South Florida — Beyond Miami-Dade
While Miami-Dade is our home base, we work as a short sale specialist across South Florida, including Broward County. If your property sits outside Miami-Dade, our Broward short sale team follows the same process: free consultation, direct lender negotiation, and no cost to you.
Talk to a short sale specialist before your foreclosure date moves forward.
Call (305) 501-0457Frequently Asked Questions — Short Sale Specialist Miami
Q. What disqualifies a homeowner from a Miami short sale?
The most common issue is missing or incomplete financial documentation, not the condition of the home or the amount owed. We help you build a complete hardship file before it's submitted to the lender.
Q. Does a short sale require a real estate agent?
Yes, lenders generally require the home to be listed and marketed by a licensed agent as part of the approval process — which is included in our service at no extra cost to you.
Q. Can I do a short sale on a second mortgage or HELOC?
Yes. Homes with a second mortgage or home equity line require approval from each lienholder, which adds steps but doesn't rule out a short sale.
Q. What happens to my HOA dues during a short sale?
Outstanding HOA dues are typically settled at closing as part of the sale, though this depends on the specific approval and your lender's terms.
Q. Is a short sale reported differently to credit bureaus than a foreclosure?
Lenders report short sales in different ways, but most report it as "settled for less than owed" rather than "foreclosure," which lenders generally view as a smaller red flag.
Q. Will I get a 1099 after a short sale?
You may receive a 1099-C for forgiven debt. We recommend speaking with a tax professional about your specific situation once the sale closes.