About me

short
sale
specialist

short sale specialist

I have been a party to thousands of short sale transactions since 2009. Unfortunately, many homeowners are experiencing hardships and may benefit from a short sale solution. As both a licensed mortgage broker and realtor, I bring a unique skill set that leads to high success rates for my clients.

Short sales are complex because they require lender approval, which can overwhelm both homeowners and agents. Having an experienced professional matters more than ever. With an empathetic team, and a concierge approach, I combine high levels of service and reassurance during this stressful time.

Our process

What we do

See how we are different than traditional real estate agents. My team and I go above and beyond for you and your short sale.

Your Needs First

Facing the possibility of losing your home is very difficult and overwhelming. As a licensed mortgage broker, I am licensed to facilitate short sales in FL. I am aware of programs and resources for both retaining and selling your home.

Remember you are not alone in this process, we are with you! There are many others in your same situation. Feel free to contact us and discuss your situation. We will explore the options with you.

Your Needs First

Facing the possibility of losing your home is very difficult and overwhelming. As a licensed mortgage broker, I am licensed to facilitate short sales in FL. I am aware of programs and resources for both retaining and selling your home.

Remember you are not alone in this process, we are with you! There are many others in your same situation. Feel free to contact us and discuss your situation. We will explore the options with you.

Your Needs First

Facing the possibility of losing your home is very difficult and overwhelming. As a licensed mortgage broker, I am licensed to facilitate short sales in FL. I am aware of programs and resources for both retaining and selling your home.

Remember you are not alone in this process, we are with you! There are many others in your same situation. Feel free to contact us and discuss your situation. We will explore the options with you.

Short Sale Process

A traditional sale is between buyer and seller. A short sale adds a powerful third, player, the lender. As an experienced short sale agent, I understand: - How banks evaluate hardship - What documentation they require - How to structure offers so the bank is more likely to approve - How to avoid delays that can kill the deal Lenders move slowly but an experienced agent can shave weeks or months off the process.

Our team is the missing piece that processes the short sale and is in contact with the lender. We set appropriate expectations for timelines and ensure all parties are kept in the loop. Choosing a realtor that has experience means a smooth, dignified exit.

Short Sale Process

A traditional sale is between buyer and seller. A short sale adds a powerful third, player, the lender. As an experienced short sale agent, I understand: - How banks evaluate hardship - What documentation they require - How to structure offers so the bank is more likely to approve - How to avoid delays that can kill the deal Lenders move slowly but an experienced agent can shave weeks or months off the process.

Our team is the missing piece that processes the short sale and is in contact with the lender. We set appropriate expectations for timelines and ensure all parties are kept in the loop. Choosing a realtor that has experience means a smooth, dignified exit.

Short Sale Process

A traditional sale is between buyer and seller. A short sale adds a powerful third, player, the lender. As an experienced short sale agent, I understand: - How banks evaluate hardship - What documentation they require - How to structure offers so the bank is more likely to approve - How to avoid delays that can kill the deal Lenders move slowly but an experienced agent can shave weeks or months off the process.

Our team is the missing piece that processes the short sale and is in contact with the lender. We set appropriate expectations for timelines and ensure all parties are kept in the loop. Choosing a realtor that has experience means a smooth, dignified exit.

Home Listing

The lenders require that the home is listed by a licensed real estate agent. We will pull comps to price it correctly, provide suggestions to make it more attractive to buyers, and manage every step of the sale so you get the strongest results with less stress. You will get professional photos, MLS exposure, and coordinating of showings.

Once an offer is received, we evaluate offers, let you know the pros/cons negotiate terms, and oversee inspections, appraisals, and deadlines to ensure a smooth closing while protecting the seller’s interests.

Home Listing

The lenders require that the home is listed by a licensed real estate agent. We will pull comps to price it correctly, provide suggestions to make it more attractive to buyers, and manage every step of the sale so you get the strongest results with less stress. You will get professional photos, MLS exposure, and coordinating of showings.

Once an offer is received, we evaluate offers, let you know the pros/cons negotiate terms, and oversee inspections, appraisals, and deadlines to ensure a smooth closing while protecting the seller’s interests.

Home Listing

The lenders require that the home is listed by a licensed real estate agent. We will pull comps to price it correctly, provide suggestions to make it more attractive to buyers, and manage every step of the sale so you get the strongest results with less stress. You will get professional photos, MLS exposure, and coordinating of showings.

Once an offer is received, we evaluate offers, let you know the pros/cons negotiate terms, and oversee inspections, appraisals, and deadlines to ensure a smooth closing while protecting the seller’s interests.

FAQs

Answering your questions

Answering your questions

Got more questions? Send us your enquiry below

Got more questions? Send us your enquiry below

Get in touch

I am behind on my house payments; do I qualify for a short sale?

Probably. With a short sale the bank agrees to take a loss on the loan. They need to evaluate your financial situation before they agree. In general, if you are behind and you owe more than the home is worth, we can explore a short sale. The requirements are that there is a demonstratable hardship and that you owe more than the home is worth.

I am NOT behind on my house payments, but I need to sell and my home is worth less than I owe, do I qualify for a short sale?

Maybe. Every lender has different requirements but a financial hardship is a requirement. We can discuss your situation further.

What is a short sale and how does it work?

A short sale is when you sell your home for less than what you owe on the mortgage. Your lender must approve the sale before it can close. With the right guidance, the process can feel much more manageable.

Why would I choose a short sale instead of foreclosure?

A short sale can be less impactful to your credit than a foreclosure, give you more control over the process, and help you move forward with less long‑term financial impact. In a foreclosure, you could be responsible for the amount that is normally forgiven in a short sale. While it is typical that most short sales result in all liens being satisfied, it is not guaranteed.

Can any real estate agent handle a short sale?

Short sales involve extra steps, bank negotiations, and strict timelines. Many agents don’t have experience with this level of complexity. Also there are more issues that can arise. Working with someone who specializes in short sales makes the process smoother, less stressful, and a higher chance of success.

My home is not a short sale. Can you be my real estate agent?

Yes! Give us a call and we would love to discuss further and have the chance to win your business.

I am outside of the Tampa Bay area, can you still help me?

Yes! We would still like to talk to you to let you know your options. If you decide to list your property, we will connect you with a local agent that is qualified to guide you through this tough time.

I want to buy short sales, can you help me?

Yes, we help buyers too. It doesn't matter if you are interested in a short sale or a traditional home. We will do whatever it takes to find you a home that you love within your budget.

How long does a short sale usually take?

Every lender is different, but most short sales take 60–120 days from when the offer is received to approval. The timeline depends on how quickly the bank reviews documents and responds and the strength of the buyers' offer. To expedite the process prompt document submission from the seller is encouraged.

Can I stay in my home during the short sale process?

Yes. Some lenders even offer a relocation credit to homeowners who reside in the home. Regardless of occupancy, a short sale is still an option.

Will the bank definitely approve my short sale?

Approval isn’t guaranteed. The bank reviews your financial hardship, the offer price, and the value of the home. Having an agent experienced in short sales increases your chances of approval.

Contact

Get in touch

For any inquiries or to explore your vision further, we invite you to contact our professional team using the details provided below.

Office

621 N Parsons Ave. Brandon, FL 33510

621 N Parsons Ave. Brandon, FL 33510

Email

info@shortsalesagent.com

Telephone

813-404-5500

© 2026 Lisa Miller. All rights reserved.

© 2026 Lisa Miller. All rights reserved.

© 2026 Lisa Miller. All rights reserved.