Capstone Real Estate Insights
What Is a Short Sale and How Does It Work?
A short sale may allow a homeowner to sell a property for less than the loan balance with lender approval.
Nikky Yang Victorino • Feb 15, 2026
Many homeowners hear the term short sale but are unsure what it means.
A short sale occurs when a lender agrees to accept less than the amount owed on the mortgage to allow the property to be sold.
A short sale may be considered when:
The mortgage balance exceeds market value
The homeowner has experienced hardship
The homeowner can no longer afford payments
The lender agrees the short sale is a better outcome than foreclosure
Benefits may include:
Avoiding foreclosure
Reducing credit impact compared to foreclosure
Providing a structured exit strategy
Every situation is different and lender approval is required.
If you are behind on payments or considering your options, contact Capstone Realty & Associates.
Capstone Realty & Associates
(727) 301-7855
cs@capstonerealestate.us
General information only. Consult your attorney and tax professional for advice.
A short sale occurs when a lender agrees to accept less than the amount owed on the mortgage to allow the property to be sold.
A short sale may be considered when:
The mortgage balance exceeds market value
The homeowner has experienced hardship
The homeowner can no longer afford payments
The lender agrees the short sale is a better outcome than foreclosure
Benefits may include:
Avoiding foreclosure
Reducing credit impact compared to foreclosure
Providing a structured exit strategy
Every situation is different and lender approval is required.
If you are behind on payments or considering your options, contact Capstone Realty & Associates.
Capstone Realty & Associates
(727) 301-7855
cs@capstonerealestate.us
General information only. Consult your attorney and tax professional for advice.