For Real Estate & Foreclosure Defense Attorneys
When your client's home is in default, they need an experienced realtor who understands the urgency, knows the lenders, and can execute a short sale or traditional sale smoothly — protecting your client and your reputation.
How Howard Makes Your Job Easier
Your client is under pressure. Howard takes the real estate side completely off your plate — from valuation to closing.
Ready to add a reliable short sale and distressed property specialist to your network? Let's connect for a quick 15-minute conversation.
What Howard Provides
Whether your client has equity or is underwater, Howard delivers a clear strategy and handles every step.
Howard manages the full short sale process — from listing and marketing to lender negotiation, approval, and closing. He prepares the complete short sale package, communicates with the loss mitigation department, and works to have the deficiency waived. Commission is paid by the lender.
When your client has equity despite being in default, a traditional market sale is often the fastest and cleanest resolution. Howard provides an accurate valuation, prepares the property, and executes a professional listing that attracts qualified buyers quickly — stopping foreclosure before it proceeds.
Howard provides a detailed Comparative Market Analysis that gives you and your client a clear, honest picture of what the property will sell for in today's market. This is the foundation of every decision — whether short sale, traditional sale, or another path.
Dealing with lender loss mitigation departments is time-consuming and often frustrating. Howard handles all lender communication on behalf of your client, ensuring the process moves forward and that your client's interests are represented at every step.
Why Short Sales Matter
A foreclosure stays on your client's credit report for up to seven years and can make it nearly impossible to obtain financing in the future. A properly executed short sale, by contrast, is typically far less damaging to credit and allows your client to move forward with their life much sooner.
Beyond credit impact, a short sale gives the homeowner control over the timeline, avoids a public auction, and — when negotiated correctly — can include full deficiency waivers from the lender, protecting your client from future collection efforts. Howard understands these outcomes and negotiates with them in mind every time.
The Short Sale Process
Howard manages every step from the first contact to the closing table.
Howard contacts your client within 24 hours. He reviews their situation, explains the short sale process in plain terms, gathers the necessary financial documentation, and answers every question. Your client is never left wondering what comes next.
A detailed CMA is prepared. The property is priced accurately for the market — high enough to attract serious buyers, realistic enough to satisfy the lender. Howard coordinates all preparation, photography, and listing on the MLS.
Howard prepares and submits the complete short sale package to the lender — including the hardship letter, financial statements, CMA, listing agreement, and purchase contract. He follows up persistently with the loss mitigation department to keep things moving.
Howard negotiates with the lender to approve the short sale and, where possible, to waive the deficiency in full. He communicates the outcome to you and your client promptly and clearly — no surprises.
Once approved, Howard coordinates with the title company to ensure a smooth, compliant closing. The foreclosure threat is resolved, your client has a clean exit, and Howard provides you with a full summary of the transaction.
Credentials & Experience
Short Sale
Specialist
Licensed Florida
REALTOR®
eXp Realty
Jacksonville, FLDistressed Property
Expert
Licensed Since 2014
REALTOR®
Howard works alongside your practice — communicating professionally, moving quickly, and always protecting your client's best outcome.