A Florida short sale practice
When you're out of options on your home, you still have recourse.
For Florida homeowners who can no longer afford their mortgage. Statewide service. Bilingual / Servicio en Español.
No fee to enter. No commitment. No spam.
Marie I. Sanjurjo
Broker of record
CDPE
Certified Distressed Property Expert
20+ years
in Florida real estate
Statewide
Florida service
Bilingual
Servicio en Español
What we do
A short sale practice, not a sales machine.
Recourse is a Florida short sale practice. We work with homeowners who can no longer afford their mortgage and need a way out that isn't foreclosure.
What we do: We list properties for short sale and negotiate with mortgage servicers on the homeowner's behalf. We handle the lender package, the back-and-forth, and the procedural complexity that makes short sales difficult. Our work is paid by your lender at closing, not by you.
What we don't do: We don't process loan modifications. We don't provide legal advice. We don't promise outcomes. If your situation calls for a foreclosure defense attorney, a bankruptcy attorney, or a HUD-approved housing counselor, we'll tell you and point you to the right resources.
We work statewide. We're based in Florida and serve homeowners in every Florida county.
How it works
Three steps. No surprises along the way.
01
You enter your address.
We pull what's publicly available about your property — who the loan servicer is, whether a foreclosure case has been filed, where the case stands procedurally, and what the typical timeline looks like in your county. You see your situation clearly, often for the first time.
02
We open a private portal for your situation.
You get a private space where you can see your case status, your document checklist, and direct communication with us. Everything is in one place. You don't have to chase information; updates come to you.
03
We list your home and negotiate with your lender.
We handle the short sale package, the lender review process, the negotiations, and the closing coordination. We get paid by your lender at closing — not by you. If a short sale doesn't proceed, we're not paid. That's the structural commitment that keeps our work aligned with your interests.
The honest framing
Most homeowners want to save their home, not sell it.
We understand that. Short sale isn't always the right answer.
Sometimes during the short sale process, your lender determines that a modification works better for your situation and offers one. If that happens and you accept it, you keep your home — and our work on your file ends. We're not paid when a modification happens.
If your situation looks like modification might work before any short sale work begins, we'll say so. We'll point you toward HUD-approved housing counselors, your servicer's loss mitigation team, or — when appropriate — a foreclosure defense attorney. We only list short sales when short sale is genuinely the right path.
Other resources
Recourse is one option among several.
If your situation calls for something else, these resources can help.
HUD-Approved Housing Counselors (Free)
Federally certified counselors who help with foreclosure prevention and loan modification at no cost to you.
Florida Bar Lawyer Referral Service
Referral to a Florida-licensed attorney for an initial consultation, typically discounted.
Florida Legal Aid
Free civil legal help for low-income Floridians, including foreclosure defense in many counties.
Where Recourse operates
Statewide Florida.
We're licensed throughout the state and serve homeowners in every Florida county. When a listing comes up in a market where we don't yet hold MLS membership, we join the appropriate MLS so we can list there.
We have particular operational depth in the counties experiencing the highest concentration of 2022-2024 vintage distress — Lee, Hillsborough, Polk, Pinellas, Orange, Duval — alongside the southeast Florida markets where our parent brokerage has been operating for years.
When you're ready
See what recourse you have.
Or, if you're not ready yet, you can read about how the Florida foreclosure process works — that's where most people start.