How Long Does a Short Sale Take in Florida?

A Florida short sale takes an average of 3-6 months from list to close — but 40% never close at all. Here is why they take so long, what can speed them up, and when a cash sale is a smarter play.

Florida Short Sale Timeline (Realistic)

Weeks 1-2: Hire a Florida-licensed short sale realtor and price the property.
Weeks 2-8: Find a qualified buyer willing to wait for lender approval.
Weeks 4-16: Submit the short sale package to the lender (hardship letter, tax returns, bank statements, HUD-1). Lender orders BPO.
Weeks 16-24: Lender approval, buyer inspection, close.

What Slows Florida Short Sales Down

Second mortgages or HELOCs — the second lienholder must also approve. HOA balances the lender refuses to pay. Buyer walking away after 60 days of waiting. Servicer changes mid-negotiation. Foreclosure sale date racing you to the finish.

Why 40% of Short Sales Fail

Buyers get impatient. Appraisals come in low. Lenders demand seller contributions homeowners cannot afford. Second lienholders refuse to release. When it fails, foreclosure marches on.

Faster Alternative: Cash Sale That Includes Short Payoff Negotiation

Homeinc has closed hundreds of Florida short sales. We negotiate the short payoff directly, take the property in as-is condition, and close within 30-45 days — often faster than a traditional listing takes to find its first offer.

Homeinc has bought hundreds of Florida & Georgia homes since 2013. A-rated with the BBB. No fees. No commissions. No repairs. Close in 7 days or on your timeline. Call (888) 850-2636.

Real Homeinc Customer Reviews

Jessica D. — “The Homeinc team was amazing to work with. Fast, professional, and closed exactly when they said they would.”

Chris S. — “I inherited a house I didn’t want. Homeinc took it as-is, handled the paperwork, and cut me a check in under two weeks.”

Lisa L. — “Facing foreclosure and out of options. Homeinc stopped the bleeding and I walked away with cash to start over.”

Get Your Free, No-Obligation Cash Offer

Fill out the form below or call (888) 850-2636. We buy houses in any condition, in any situation, anywhere in Florida and Georgia. Offers in 24 hours. Close in 7 days.

Related Homeinc Resources

Sell Your Florida House Fast · Sell Your Georgia House Fast · Sell an Inherited House · Stop Foreclosure Now · Sell a House With a Lien · Sell With Tenants · Our 3-Step Process · Customer Reviews