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A short sale is sometimes implicated when a homeowner is in danger of falling into foreclosure.  The mortgage lender will agree to lower the price of the balance of the loan in which the homeowner sells the mortgaged property at the discounted price. The debtor then will turn all the proceeds from the sale over to the lender in exchange for satisfaction of the debt. Typically the homeowner will have to prove financial hardship with the mortgage lenders Loss Mitigation Department. Hardships such as unemployment, medical issues, divorce or bankruptcy qualify as economic circumstances that could prompt a short sale. Banks do not want to take over homes, especially in a declining real estate market. They are well aware that it could end up costing thousands of dollars to maintain and refurbish the home with no guarantee of recouping the same amount of money they could with a short sale.

There are pros and cons to short sales. The obvious pro to a short sale is keeping the home out of foreclosure, although a short sale will still show up on the debtor's credit report, it will show as a pre-foreclosure redemption instead of a debt discharged due to foreclosure. In some instances the I.R.S. could consider debt relief as taxable income and has the right to issue a 1099 to the debtor for the difference.

A short sale could very well be a win-win for both the borrower and the lender.

Shortsales

4219 BEAUMONT LOOP

MLS#: 2116069

  • Region: Central West Florida
  • County: Hernando County
  • City: Spring Hill
  • Zipcode: 34609
  • Community:
  • Subdivision: Sterling Hill Ph1a
  • Provided by:
    TROPIC SHORES REALTY LLC
  • Type: Single Family

  • Price: $114,900
  • Year Built: 2007
  • Bldg sqft: 2700
  • Bedrooms: 3
  • Full Baths: 2
  • Half Baths: 0
  • Acreage: 0.15
  • Listing MLS:
    Hernando County Association of REALTORS®
  • This 3 bedroom 2 bathroom 2 car garage has wood cabinets in the kitchen and bathrooms. No refrigerator. Realtors: please see realtor remarks for information on how to submit an offer. [ Features ]
     

    65 GILLIAN DR

    MLS#: 2112888

  • Region: Central West Florida
  • County: Hernando County
  • City: Spring Hill
  • Zipcode: 34609
  • Community:
  • Subdivision: Linden Retreat
  • Provided by:
    TROPIC SHORES REALTY LLC
  • Type: Single Family

  • Price: $99,900
  • Year Built: 1994
  • Bldg sqft: 2498
  • Bedrooms: 4
  • Full Baths: 2
  • Half Baths: 0
  • Acreage: 0.54
  • Listing MLS:
    Hernando County Association of REALTORS®
  • Foreclosure!!! This four bedroom home is located near the suncoast parkway for easy access to tampa and the new publix supermarket on county line road. Interior features include 1872 sq. Ft. Of living [ Read More ]
     

    608 E. IRENE LN

    608 E. IRENE LN
    Foreclosure

    MLS#: 2106560

  • Region: Central West Florida
  • County: Citrus County
  • City: Citrus Springs
  • Zipcode: 34433
  • Community:
  • Subdivision: Not In Hernando
  • Provided by:
    RE/MAX ADVANTAGE REALTY
  • Type: Land

  • Price: $8,000
  • Year Built: Not Avaiable
  • Bldg sqft:
  • Bedrooms: 0
  • Full Baths: 0
  • Half Baths: 0
  • Acreage: 0.32
  • Listing MLS:
    Hernando County Association of REALTORS®
  • Paved streets. 5 public golf courses within 2 miles. Reduced - priced to sell. Excellent location. [ Features ]
     

    2628 W. SHAW PL

    2628 W. SHAW PL
    Foreclosure

    MLS#: 2106555

  • Region: Central West Florida
  • County: Citrus County
  • City: Citrus Springs
  • Zipcode: 34433
  • Community:
  • Subdivision: Not In Hernando
  • Provided by:
    RE/MAX ADVANTAGE REALTY
  • Type: Land

  • Price: $8,000
  • Year Built: Not Avaiable
  • Bldg sqft:
  • Bedrooms: 0
  • Full Baths: 0
  • Half Baths: 0
  • Acreage: 0.22
  • Listing MLS:
    Hernando County Association of REALTORS®
  • Paved roads. 5 public golf courses within 2 miles. Reduced - priced to sell. Excellent location. [ Features ]
     

    0 Lucky Ln

    0 Lucky Ln
    Foreclosure

    MLS#: 2103826

  • Region: Central West Florida
  • County: Hernando County
  • City: Spring Hill
  • Zipcode: 34609
  • Community:
  • Subdivision: B - S Sub In S 3/4 Unrec
  • Provided by:
    BICKEL REALTY, INC.
  • Type: Land

  • Price: $37,500
  • Year Built: Not Avaiable
  • Bldg sqft:
  • Bedrooms: 0
  • Full Baths: 0
  • Half Baths: 0
  • Acreage: 1.2
  • Listing MLS:
    Hernando County Association of REALTORS®
  • Reduced, bank says make offer! Nice high and dry lot with county road frontage located near all amenities including hospitals, shopping and the suncost parkway. Zoned for home or mobile home [ Features ]
     

    208 E. CORY LN

    208 E. CORY LN
    Foreclosure

    MLS#: 2106501

  • Region: Central West Florida
  • County: Citrus County
  • City: Citrus Springs
  • Zipcode: 34433
  • Community:
  • Subdivision: Not In Hernando
  • Provided by:
    RE/MAX ADVANTAGE REALTY
  • Type: Land

  • Price: $8,000
  • Year Built: Not Avaiable
  • Bldg sqft:
  • Bedrooms: 0
  • Full Baths: 0
  • Half Baths: 0
  • Acreage: 0.26
  • Listing MLS:
    Hernando County Association of REALTORS®
  • Paved roads. 5 public golf courses within 2 miles, reduced price to sell. Excellent location. [ Features ]
     

    8088 WYSOCKI COURT

    MLS#: 2116135

  • Region: Central West Florida
  • County: Hernando County
  • City: Spring Hill
  • Zipcode: 34607
  • Community:
  • Subdivision: Berkeley Manor Blks 19 And 20
  • Provided by:
    RE/MAX ADVANTAGE REALTY
  • Type: Single Family

  • Price: $87,000
  • Year Built: 1987
  • Bldg sqft: 2438
  • Bedrooms: 2
  • Full Baths: 2
  • Half Baths: 0
  • Acreage: 0.24
  • Listing MLS:
    Hernando County Association of REALTORS®
  • Lovely subdivision of well maintained homes. Great location. Close to all conveniences. 2 bed pool home w/large screened porch. Formal din rm. Eat in kitchen. Nice size lot. [ Features ]
     

    9889 W Halls River Rd

    MLS#: 2116261

  • Region: Central West Florida
  • County: Citrus County
  • City: Homosassa
  • Zipcode: 34448
  • Community:
  • Subdivision: Not In Hernando
  • Provided by:
    TROPIC SHORES REALTY LLC
  • Type: Single Family

  • Price: $197,505
  • Year Built: 1980
  • Bldg sqft: 2158
  • Bedrooms: 2
  • Full Baths: 2
  • Half Baths: 0
  • Acreage: 0.33
  • Listing MLS:
    Hernando County Association of REALTORS®
  • Beautiful 2/2 pool home on canal, recently remodeled, must see new kitchen. Wood fireplace, nice screen porch, privacy fence. Nice 1/3 acre lot on canal with in ground pool. Must see at this price. H [ Read More ]
     

    4620 Big Loop

    MLS#: 2114357

  • Region: Central West Florida
  • County: Pasco County
  • City: New Port Richey
  • Zipcode: 34653
  • Community:
  • Subdivision: Acreage
  • Provided by:
    BICKEL REALTY, INC.
  • Type: Land

  • Price: $299,000
  • Year Built: Not Avaiable
  • Bldg sqft:
  • Bedrooms: 0
  • Full Baths: 0
  • Half Baths: 0
  • Acreage: 9.23
  • Listing MLS:
    Hernando County Association of REALTORS®
  • This bank owned parcel would be great for an estate or mini-ranch homesite. Some engineering has been done for annexation into the city limits of new port richey. [ Features ]
     

    8479 NORTH WALLINGFORD AVE.

    8479 NORTH WALLINGFORD AVE.
    Foreclosure

    MLS#: 2106506

  • Region: Central West Florida
  • County: Citrus County
  • City: Citrus Springs
  • Zipcode: 34433
  • Community:
  • Subdivision: Not In Hernando
  • Provided by:
    RE/MAX ADVANTAGE REALTY
  • Type: Land

  • Price: $8,000
  • Year Built: Not Avaiable
  • Bldg sqft:
  • Bedrooms: 0
  • Full Baths: 0
  • Half Baths: 0
  • Acreage: 0.22
  • Listing MLS:
    Hernando County Association of REALTORS®
  • Paved roads. 5 public golf courses w/i 2 miles. Reduced - priced to sell, excellent location [ Features ]
     
    ©2006-2010
    Listing information obtained from the Florida Association of REALTORS®
    The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Designated Properties are provided courtesy of Pinellas Suncoast Association of Realtors.
    All information deemed reliable but not guaranteed. Datafeed updated Daily. last update on 12Mar2010 at 3:00am