Avoid Foreclosure & Walk Away Debt-Free in Orlando
Free, Confidential Help from Orlando’s Top Short Sale Experts – Realtor Stephens Team
Get Your FREE Short Sale Survival GuideRealtor Stephens Team | 407-603-1664 | stacyann@realtorstephens.com
Our Ironclad Guarantee
IF WE CAN’T SHORT SELL YOUR HOME, YOU OWE US NOTHING! 100% Free Service – No Out-of-Pocket Costs. Commissions Paid from Sale Proceeds Only.
Struggling with Your Orlando Mortgage? A Short Sale May Be Your Best Solution
Thousands of Orlando homeowners are upside-down on their mortgages due to job changes, medical bills, or market shifts. Since 2008, Realtor Stephens Team has successfully closed hundreds of short sales, negotiating with lenders to approve sales quickly and let you walk away debt-free.
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You May Qualify for a Short Sale If…
- You’re behind on payments or facing hardship
- You owe more than your home is worth
- Financial issues like job loss, divorce, or medical bills
- You want to avoid foreclosure’s severe credit impact
- Your home is in Orlando or Central Florida
Client Success Stories
Hear from Orlando homeowners we’ve helped achieve debt-free fresh starts through short sales.
“Realtor Stephens Team was a lifesaver! They handled everything with my lender and got my short sale approved fast. I walked away with no debt and my credit is already recovering.”
– Maria R., Orlando Homeowner“Facing foreclosure was terrifying, but the Stephens Team guided us every step. Professional, compassionate, and experts at negotiation. Highly recommend!”
– John & Lisa T., Central Florida Family“They promised no out-of-pocket costs and delivered. Closed my short sale smoothly and even got relocation assistance. Thank you for the fresh start!”
– David S., Orlando Resident
Short Sale vs. Foreclosure: Key Benefits
- Minimal Credit Impact: 2-3 years vs. 7+ for foreclosure
- Debt-Free Exit: No deficiency judgment in Florida
- You Stay in Control: No auction – choose your timeline
- Relocation Help: Up to $3,000 cash from many lenders
- Zero Cost to You: We only get paid if we succeed
Top Lenders We’ve Successfully Negotiated Short Sales With in Orlando (2025 Rankings)
Based on Yelp, WalletHub, and local expertise, here are expanded details on top lenders/servicers for short sales. We’ve negotiated hundreds with these – let us handle the paperwork and delays for you.
1. FBC Mortgage (Local Orlando Favorite)
Process Details: Submit hardship letter, financial docs, and listing agreement. Local in-house team often approves in 30-60 days. Strong on Orlando valuations and borrower-friendly reviews.
Why We Excel Here: Direct relationships speed approvals – we’ve closed dozens seamlessly.
Visit FBC MortgageLet us negotiate – Call 407-603-1664
2. Navy Federal Credit Union
Process Details: Eligible members submit via HAFA or internal program. Often includes $3K relocation aid. Review 60-90 days; veteran-focused support.
Why We Excel Here: Military family specialists on our team – faster approvals for vets.
Visit Navy Federal3. Fairway Independent Mortgage
Process Details: Hardship packet + BPO/appraisal. Personalized service; in-house processing for 45-75 day approvals. High customer satisfaction.
Why We Excel Here: Proven track record bypassing common delays.
Visit Fairway4. Chase
Process Details: Pre-listing packet submission; assigned negotiator. Streamlined for portfolio loans – 45-60 days typical. Online portal for updates.
Why We Excel Here: We know their “list assist” shortcuts for faster valuations.
Visit Chase5. CrossCountry Mortgage
Process Details: Full financial review + market analysis. Flexible guidelines; often 60 days with strong hardship cases.
Why We Excel Here: Local branches mean quicker responses – we’ve closed many.
Visit CrossCountry6. Wells Fargo (Common Servicer)
Process Details: Equator platform submission; escalation options for delays. HAFA eligible; potential incentives.
Why We Excel Here: Expertise in their system – avoid common rejection pitfalls.
Visit Wells Fargo7. Bank of America
Process Details: Cooperative short sale program; possible cash incentives. Detailed packet required.
Why We Excel Here: High volume experience ensures smooth approvals.
Visit Bank of AmericaOur Proven Short Sale Process
1
Free Consultation & Eligibility Check
2
Accurate Home Pricing & Valuation
3
Aggressive Marketing on MLS
4
Expert Lender Negotiation
5
Close Debt-Free with Possible Cash Aid
Frequently Asked Questions
What is a short sale?
A short sale is when your home is sold for less than the amount owed on the mortgage, with lender approval, to avoid foreclosure.
How long does a short sale take in Orlando?
Typically 4-6 months, depending on the lender and market conditions.
Do I qualify for a short sale?
If you’re facing financial hardship, upside-down on your mortgage, and can’t afford payments, you may qualify. Contact us for a free assessment.
Will a short sale affect my credit?
Less severely than foreclosure; expect a 100-150 point drop, recoverable in 2-3 years with good habits.
Can I stay in my home during the process?
Yes, until closing, which can take 4-5 months.
Claim Your Free Short Sale Survival Guide & Confidential Consultation
Instant email delivery + we’ll call to review your Orlando situation. No obligation.
Call Now: 407-603-1664 | Email: stacyann@realtorstephens.com