A short sale isn't giving up. It's taking control.
When you owe more than your home is worth, a short sale is often the smartest way to avoid foreclosure and protect your credit. Edis Arevalo has handled this process for 17 years across Southwest Florida.
You may qualify for a short sale if any of these apply to you:
You have experienced a financial hardship: job loss, reduced income, divorce, medical emergency, or major unexpected expense
You are behind on mortgage payments or have received a notice of default
Your mortgage balance is greater than your home is currently worth
Mortgage payments have depleted your savings and you can no longer keep up
You need to sell but cannot because you owe more than the home will sell for
You are facing relocation or a life change that makes keeping the home impossible
Not sure if you qualify? Call Edis. The consultation is free →
Short sale vs. foreclosure: side by side
| Issue | Short Sale | Foreclosure |
|---|---|---|
| Credit score | ✓~50 point impact or less | ✗300+ points, stays 10 years |
| Credit history | ✓Reported as Paid or Settled. No foreclosure record. | ✗Permanent public record 10 years |
| Current employment | ✓Not on credit report. Typically no impact. | ✗Employer can check. Risk to sensitive roles. |
| Future employment | ✓Minimal risk. Not a credit report item. | ✗One of worst items for job applicants |
| Future mortgage | ✓No requirement to disclose to future lenders | ✗Must declare on federal form 1003 for 7 years |
| Fannie Mae loan | ✓Eligible again in as little as 2 years | ✗Ineligible for 5–7 years minimum |
| Deficiency judgment | ✓Lender typically forgives remaining balance | ✗Bank retains right to pursue you |
| Cost to homeowner | ✓All closing costs paid by lender. Zero to you. | ✗Potentially liable for deficiency years later |
| Time to recovery | ✓Can purchase a home again in 18 months | ✗5+ years before qualifying for most loans |
If you're a homeowner who's been approached by an investor
This site is built for homeowners, not investors. If you've been contacted by someone offering to buy your home quickly for cash, know this: you have more options than a distressed sale. Call Edis first. The consultation is free, confidential, and there is no obligation. You deserve to understand all of your options before making any decision.
Talk to Edis. Free, no obligation →What Edis handles: the 8 steps of a short sale
Call or submit the form
One free conversation. No paperwork, no commitment. Edis listens to your situation and explains your options clearly.
Get a personalized plan
Every case is different. Edis reviews your mortgage, timeline, and goals to map out the best path forward for you specifically.
Edis handles the process
From bank negotiations to closing paperwork, Edis manages it all so you can focus on what matters next.
Qualifying hardships
A short sale requires demonstrating a legitimate financial hardship. These are the most commonly accepted hardships. If yours is not listed, call Edis anyway.
- Job loss or reduction in income
- Divorce or legal separation
- Medical emergency or serious illness
- Death of a spouse or co-borrower
- Military deployment or relocation
- Damage to property not covered by insurance
- Business failure
- Increased expenses beyond your control
- Adjustable rate mortgage reset
- Bankruptcy
Free resources for SWFL homeowners
- Cape Coral Foreclosure Prevention Program — $10,000 Assistance
City of Cape Coral program offering up to $10,000 in deferred loan assistance to eligible homeowners facing foreclosure.
Cape Coral homeowners — check eligibility before starting the short sale process.
- Cape Coral Lien Reduction Program
If you have outstanding City of Cape Coral code liens, this program may allow significant reductions — which can be critical in a short sale negotiation.
Liens must be addressed in the short sale package. Edis handles this negotiation.
Get your free consultation
No judgment. No pressure. Just honest answers from someone who's done this for 17 years.
Private and confidential. Never shared. Edis responds within 24 hours.
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