About Recourse

Marie I. Sanjurjo

Broker of record, Blue Mar Real Estate Group, Inc. Principal of the Recourse short sale practice Certified Distressed Property Expert (CDPE) MBA

Marie has been a Florida-licensed real estate broker for more than twenty years. She holds an MBA and the Certified Distressed Property Expert designation from the Distressed Property Institute. She is broker and owner of Blue Mar Real Estate Group, Inc., a Florida brokerage covering luxury residential, waterfront, and now — through the Recourse short sale practice — distressed property work for homeowners across the state.

For years, Marie has worked inside Florida's foreclosure system through her practice — reading court dockets daily, following cases through summary judgment and final judgment, watching how Florida's judicial foreclosure process operates from the inside, from the moment a lis pendens is filed to the moment a property changes hands at auction. What she has seen, repeatedly, is homeowners arriving at foreclosure who had earlier options they didn't know about — short sale, modification, deed in lieu, even just an informed conversation with their servicer at the right moment.

Recourse is the response to what she has seen. It exists because too many Florida homeowners reach foreclosure without ever knowing they had earlier options. The practice serves homeowners who can no longer afford their mortgage and need a way out that isn't foreclosure — by listing their home as a short sale and negotiating with their lender on their behalf.

Marie's approach is shaped by two principles. The first is that distressed homeowners deserve to make decisions with the same quality of information that institutional parties bring to the table. The second is that a short sale practice should be honest about when short sale is the right answer and when it isn't — and willing to send a homeowner elsewhere when their situation calls for it.

She is bilingual, working with English- and Spanish-speaking clients across Florida. She lives in Miami-Dade County and works statewide.

How Recourse is structured

Recourse is a short sale service of Blue Mar Real Estate Group, Inc., a Florida-licensed real estate brokerage. Marie is the broker of record and the practitioner who handles every Recourse short sale case personally.

We are paid by your lender, not by you, when a short sale closes. The brokerage commission is paid out of sale proceeds before the lender receives their reduced payoff. You pay no out-of-pocket fee to engage Recourse and no fee at closing.

If a short sale does not close — if the lender offers a modification and you accept it, if the situation resolves differently, if you decide short sale isn't the right path — we are not paid. The economic alignment is structural. We earn only on closed short sales, which means we don't have incentive to push toward short sale when another outcome would serve you better.

When situations call for legal services, we refer to Florida-licensed attorneys. We don't maintain a single affiliated attorney we route everyone to. Instead, we refer to the Florida Bar Lawyer Referral Service, to HUD-approved housing counselors, to Florida legal aid for income-qualified clients, or — when we know a specific attorney whose work fits a client's situation — we make a personal introduction. The choice of attorney is yours; we just help you find one when you need one.

Where we operate

Statewide Florida. Blue Mar Real Estate Group, Inc. is licensed throughout the state, and the Recourse practice serves homeowners in every Florida county.

We have particular operational depth in:

Southwest Florida — Lee County (Cape Coral, Fort Myers), Charlotte County, Collier County
Central Florida — Polk County (Lakeland), Orange County (Orlando), Hillsborough County (Tampa), Pinellas County (St. Petersburg)
Northeast Florida — Duval County (Jacksonville), Clay County, St. Johns County
Southeast Florida — Miami-Dade, Broward, Palm Beach

When a listing comes up in a market where we don't yet hold MLS membership, we join the appropriate MLS so we can serve the homeowner. The administrative work of joining new MLSs is handled quickly so the listing doesn't wait.

Compliance and regulation

Recourse operates as a Florida-licensed real estate brokerage service of Blue Mar Real Estate Group, Inc.

Blue Mar Real Estate Group, Inc. Florida Real Estate Brokerage License: CQ1018554 [Brokerage address]

You can verify our license directly with the Florida Department of Business and Professional Regulation: Verify license at DBPR →

We comply with:

Florida Statute Chapter 475 (Real Estate Brokerage)
Florida Real Estate Commission (FREC) rules
Florida Foreclosure Rescue Fraud Prevention Act (Fla. Stat. § 501.1377)
Federal Mortgage Assistance Relief Services rule (12 CFR Part 1015)
Federal and Florida fair housing law
Federal RESPA, TILA, and related consumer protection law

We carry professional liability insurance (E&O) at appropriate levels for our scope of work. The retained operational attorney advises on regulatory compliance for the practice.

What we publish on this site

The site is intended to be substantively useful to Florida homeowners thinking through their options, whether they end up working with us or not. We publish:

Servicer-specific information about how individual mortgage servicers handle short sales in Florida
Investor program information for FHA, VA, Fannie Mae, Freddie Mac, and USDA short sales
County-specific procedural information about Florida foreclosure timelines
Topic pages on the issues distressed homeowners face — deficiency, credit impact, taxes, the difference between alternatives
Tools to help you understand your situation — find your servicer, see your timeline, draft a hardship letter
A neutral resource page for finding attorneys, HUD counselors, and other support

Every page on the site is reviewed for accuracy and updated as the underlying information changes. Pages display a "Last reviewed" date.

If something on the site is wrong, please tell us. Contact us →

What we don't do

For clarity:

We don't process loan modifications. Modifications are handled between you and your servicer (or a HUD-approved counselor).
We don't provide legal advice. If you need legal counsel, we'll refer you to a Florida-licensed attorney.
We don't represent buyers in short sale transactions. We list properties for the homeowner-seller.
We don't buy houses ourselves. We don't make cash offers. We don't operate as investors looking to acquire properties from distressed sellers. Recourse is a brokerage service, not an investor operation.
We don't promise outcomes. Short sales depend on lender approval, investor guidelines, market conditions, and many factors outside our control. We tell you what to expect; we don't promise what will happen.

Talk to us

If you'd like to start by seeing what your situation looks like, [enter your property address →]

If you'd like to read first, our resources section covers the topics distressed homeowners ask about most.

If you have a specific question, contact us directly.

Recourse is a short sale service of Blue Mar Real Estate Group, Inc.

Blue Mar Real Estate Group, Inc. Licensed Florida Real Estate Broker | License #CQ1018554 [Brokerage business address] [Phone]

Equal Housing Opportunity. We are not attorneys and do not provide legal advice.

Equal Housing Opportunity. We are not attorneys and do not provide legal advice. Modifications are decided by your servicer based on investor guidelines and your specific financial situation. We cannot guarantee any particular outcome.

Blue Mar Real Estate Group, Inc. | Licensed Florida Real Estate Brokerage License | License #CQ1018554.