Facing a Foreclosure or Short Sale in 2022? Here’s How We’re Prepared to Help

The past few years have been rocky and unpredictable at best, leaving many Volusia county homeowners in a vulnerable spot. If you are facing a foreclosure or short sale this year, it’s time to find a real estate agent to stand beside you, so you make the best possible choices for your financial and overall wellbeing.

The experienced team at Southern Exclusive Realty is here to support you every step of the way. Contact us ASAP, 386-279-7244, to determine the best path forward.

Short Sales & Foreclosures Aren’t the End of the World

Despite your current predicament, a short sale or foreclosure is not the end of the world. However, you must align with a local real estate agency that knows exactly what to do to move you through the process with the best possible outcomes.

Choose an SFR Certified Realtor

Short sales and foreclosures are a real estate niche. Therefore, a very specific process must take place – between seller and lender – to ensure you move through the process with minimized negative impacts. As a result, DeLand area homeowners should contact an SFR Certified realtor when it becomes a struggle to make their regular monthly mortgage payment.

SFR Certified realtors give homeowners the edge when moving through the short sale or foreclosure process. Short sales are preferred and have the best short-term outcomes for clients’ futures. If you’ve moved beyond standard, time-sensitive short sale parameters, our team activates may be able to negotiate with the lender to facilitate a short sale on your behalf. Of course, we’ll guide you through the foreclosure process if that isn’t possible.

Short Sale vs. Foreclosure

Once homeowners realize they can’t make their mortgage and that future mortgage payments are also questionable, it’s time to connect with a real estate professional. The sooner you do so, the sooner we can sell your home at the highest possible price, which could forgo the need for a short sale altogether.

Short Sale

If you’ve moved beyond the point where a lender is willing to support a new repayment plan, a short sale is the next step. A short sale is an agreement between the seller and the lender. The lender approves the client to sell the home for less than is owed on the house. In other words, the lender takes the financial hit.

This requires specific paperwork and agreements, which should be facilitated by a short-sale real estate professional. However, the benefits of a short sale are many, including a better outcome on the seller’s credit report.


If the homeowner has missed too many mortgage payments and failed to move forward with a short sale soon enough, foreclosure may be the only option. In this case, the lender moves forward with their preferred real estate agent and sells the home. The original homeowner is disempowered in the foreclosure process. 

In addition to having to move out of their home with no control over the sales process, clients experiencing foreclosure risk long-term damage to their credit report/scores and have a more challenging time purchasing a home in the future.

Southern Exclusive Realty Is Here For You

First and foremost, Southern Exclusive Realty wants to make sure foreclosures are a thing of the past for DeLand area homeowners. As SFR-certified real estate agents, we’re committed to educating and informing the public, so homeowners struggling to make their mortgage have the opportunity to move through the short sale process with dignity.

1. We take care of all the paperwork

Short sales are not simple sales. Lenders require an extensive amount of communication and paperwork. Among other things, you’ll need to provide documented proof of your hardship and inability to pay the mortgage. If the lender approves the short sale, there is more paperwork to complete as the process moves forward, taking anywhere from several months to a full year.

As your short sale real estate agent, we’ll take care of lender communications and document submittals. And, because we have a positive reputation with area lenders, you’re more likely to get the green light because they trust us to take care of business.

2. Optimize the highest sales price possible

Short sales mean selling a home for less than you owe, but that difference doesn’t have to be significant. When you work with us, we’ll do everything we can to showcase your home in its best light, which means it sells for the highest price point possible. The results of this attention diminish the gap between what you owe and what the lender has to absorb, which makes for a better overall relationship between you and your lender. 

3. Emotional support

It’s not an easy path, and we understand that. That’s why our team is as committed to emotional support as we are to the professional services we offer. We’ll stand by you every step of the way so you can navigate the short sale or foreclosure process with grace and dignity. Everyone deserves a second chance, and Southern Exclusive is here to help you earn yours.

Ready to learn more about how we can help? Schedule a consultation with Southern Exclusive Realty386-279-7244. We’ll brighten the light at the end of your tunnel.