Resources

What is a Florida short sale?

A Florida short sale is when you sell your home for less than you owe on your mortgage, with your lender's permission. Marie I. Sanjurjo explains how Florida short sales work, when they make sense, and what to expect.

The Florida foreclosure process

How Florida foreclosure works from missed payments through certificate of title. Florida's judicial foreclosure process, timeline by stage, and where short sale fits. By Marie I. Sanjurjo, Florida Broker.

Short sale vs. foreclosure in Florida

Comparing short sale and foreclosure for Florida homeowners: credit impact, deficiency exposure, timeline, future mortgage eligibility, and how each affects you. Honest analysis by Marie I. Sanjurjo, Florida Broker.

Short sale vs. loan modification: which is right for you?

Comparing short sale and loan modification for Florida homeowners. When modification makes sense, when short sale makes sense, and the honest answer about which is better. By Marie I. Sanjurjo, Florida Broker.

What if your lender offers a modification instead of approving your short sale?

Sometimes during a short sale, your lender offers a loan modification instead. Why this happens, what it means, and why it's often the better outcome. Honest framing by Marie I. Sanjurjo, Florida Broker.

Florida deficiency judgments: what they are and how to protect yourself

Florida lenders can sometimes pursue deficiency judgments after foreclosure or short sale. What Florida Statute § 702.06 says, when deficiency is pursued, and how to protect yourself. By Marie I. Sanjurjo, Florida Broker.

Credit impact of short sale vs. foreclosure

How short sale and foreclosure affect your credit differently. Recovery timelines, future mortgage eligibility, and what to expect. By Marie I. Sanjurjo, Florida Broker.

Tax consequences of short sale in Florida

Florida short sales may have federal tax consequences from forgiven mortgage debt. How the 1099-C works, when exclusions apply, and why you need a tax professional. By Marie I. Sanjurjo, Florida Broker.

The Equator platform: how lenders process short sales

Equator is the technology platform many mortgage servicers use to process short sales. How it works, which servicers use it, and what to expect when your file goes through Equator. By Marie I. Sanjurjo.

The MARS rule: what it means for Florida homeowners

The federal MARS rule protects homeowners from mortgage relief scams. What MARS requires, what it prohibits, and how it shapes legitimate practices like short sale brokerage. By Marie I. Sanjurjo.

The FRFPA and what protects Florida homeowners

The Florida Foreclosure Rescue Fraud Prevention Act (Fla. Stat. § 501.1377) protects Florida homeowners from foreclosure rescue scams. What it prohibits and how to use it. By Marie I. Sanjurjo.

Finding a Florida foreclosure attorney

How to find a qualified Florida foreclosure defense attorney. When you need one, what they do, how they charge, and how to use neutral referral resources. By Marie I. Sanjurjo, Florida Broker.