Facing Foreclosure? You Have Options.
If you're behind on mortgage payments or have received a foreclosure notice, don't panic. We can help you understand your options and find a solution that protects your interests.
Your Options
Every situation is different. Here are the most common ways we help homeowners avoid foreclosure.
Sell Your Home
If you have equity in your home, selling it before foreclosure can protect your credit, give you cash to start fresh, and avoid the stigma of foreclosure on your record.
- Protect your credit score
- Keep equity you've built
- Exit on your own terms
Short Sale
If you owe more than your home is worth, a short sale allows you to sell for less than you owe with lender approval. It's better for your credit than foreclosure.
- Less damage to credit than foreclosure
- Debt may be forgiven
- Avoid deficiency judgment
Loan Modification
In some cases, your lender may agree to modify your loan terms to make payments more affordable. This can help you keep your home.
- Keep your home
- Lower monthly payments
- Extended loan term possible
Cash Offer
Need to move fast? We can connect you with cash buyers who can close in as little as 7 days, giving you a quick exit before foreclosure.
- Close in 7-14 days
- No repairs needed
- Guaranteed closing
Deed in Lieu
Voluntarily transfer ownership of your home to the lender to avoid formal foreclosure proceedings. This option requires lender approval.
- Less damaging than foreclosure
- Faster resolution
- May qualify for relocation assistance
Requires lender approval and cooperation
Time Is Critical
The foreclosure process in Florida typically takes several months, but the sooner you act, the more options you have.
Missed Payments (30-90 days)
After 1-3 missed payments, you'll receive late notices. This is the best time to act.
Notice of Default (90-120 days)
You'll receive official notice that foreclosure proceedings are beginning. Options are narrowing.
Notice of Sale (30-60 days before sale)
Your home is scheduled for auction. Time is running out but options still exist.
Foreclosure Auction
Your home is sold at auction. Some states allow a redemption period after this.
Free HUD Housing Counseling
The U.S. Department of Housing and Urban Development (HUD) offers free foreclosure prevention counseling. Call 1-800-569-4287 or visit HUD.gov to find a HUD-approved counselor near you.
Get Confidential Help
Fill out this form and we'll contact you within 24 hours to discuss your situation. All inquiries are 100% confidential.
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Call us now for a confidential conversation about your options.