About Us | Loan Mitigation Services

We Are Short-Sale Veterans

Having performed our first short-sale back in 2005, our team combines 20+ years of extensive real estate experience to completely handle your short-sales for you.

85%
Close Rate
20+
Years Experience
750+
Approved / Closed Transactions

Our Mission

Our mission is to handle short sales completely for real estate agents so they can focus on growing their business. We do all the work, protect their commissions, and provide an invaluable done-for-you service to homeowners in distress, turning a difficult situation into a positive solution for all parties.

RH Richards — Founder, Loan Mitigation Services
Founder & Managing Partner

A Message from the Owner

I want to thank you for trusting in LMS. I started this company because I want to help as many homeowners as I can avoid foreclosure — and I'm doing that one homeowner at a time . . . with EMPATHY.

I know, personally, what foreclosure feels like. I've been there, too, so just know LMS treats every situation as their own and we will do everything we can to help you and your client.

We got this . . .

RH

"Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me."

— Matthew 25:40
Market Crisis Expertise

Market Crisis Expertise

During the 2008 Housing Crisis, RH was a co-founder of a real estate brokerage that closed 1,500+ distressed properties in helping sellers navigate foreclosure. That experience — in the trenches, negotiating directly with lenders — is what built the foundation of LMS.

1,500+
Distressed Properties Closed
Analyzed, consulted and closed distressed assets across Florida during the Housing Crisis.
$150M+
Assets Underwritten
Extensive experience underwriting distressed assets for investors and institutional groups.
JD
Legal Education
Juris Doctorate with specialized focus on real estate law and distressed asset transactions.
CDPE
Short-Sale Expert
Certified Distressed Property Expert with specialized expertise in expert short-sale processing.

"Every seller in preforeclosure deserves a guide — not just to avoid foreclosure, but to reclaim their future. For real estate agents, becoming that guide isn't just good service — it's good business. At LMS, we exist to equip agents with the short-sale tools, training, and support they need to serve confidently and close successfully in the distressed market."

— RH Richards, Founder

Our Core Values

Integrity

We do what we say we'll do. Your trust is our most valuable asset, and we protect it fiercely.

Excellence

We strive for perfection in every file. Your success is our success, and we settle for nothing less.

Complete Service

We're not just a vendor — we're your complete solution. We handle every aspect of your short sales so you can focus on growing your business.

Beyond Business

Focused on Helping Sellers

Every short sale we handle represents a family in distress. Our mission goes beyond transactions — we're dedicated to providing sellers with dignity, hope, and a path forward during their most challenging times.

We understand that behind every file is a real person facing real hardship. That's why we approach each case with compassion, expertise, and an unwavering commitment to finding solutions.

When sellers work with LMS, they're not just getting professional service — they're getting advocates who truly care about their outcome.

"Every family deserves to be treated with respect and compassion during their most difficult times. We're not just processing files — we're helping people rebuild their lives with dignity."

— RH Richards
A path forward — hope and a fresh start

Ready for Complete Done-For-You Service?

Let our legal expertise and real estate experience handle your short sales from start to finish.

Schedule Your Consultation

This is not a high-pressure sales call. In just 30 minutes, we will review your situation, explain our process, and answer your questions — completely free.

Available 24 Hours a Day · 7 Days a Week

Shorty — LMS AI Short Sale Specialist

Meet Shorty™

Your personal short sale AI specialist

Shorty is trained on hundreds of real short sale files and consultations. Whether you're a listing agent or a homeowner — Shorty is ready to help right now, 24/7.

Powered by AI · Trained on 40+ real short sale consultations · English & Spanish