Behind on Your Mortgage in Florida?
Don't Wait for the Bank to Decide What Happens to Your Home.
If you're behind on payments or already facing foreclosure, you may still have options. The Home Defenders helps Florida homeowners understand the numbers and choose the best path forward.
You may be able to:
- Keep Your Home if you can realistically afford it.
- Sell Fast for Cash if speed and certainty matter most.
- List Your Home if you have enough time and want to pursue the highest reasonable market price.
The important thing is taking action while you still have choices.
Free property review. No obligation to sell.
Start With Your Property
Tell us the address and what is happening. We will review the numbers and show you the realistic options.
(786)-416-6767You Don't Have to Wait for the Bank to Sell Your Home.
Many homeowners think they have only two choices: catch up on everything they owe, or lose the house.
That's not necessarily true.
If keeping the home no longer makes financial sense, you may be able to sell before the foreclosure is completed.
Selling voluntarily can give you more control over:
- When you sell
- How you sell
- What offer you accept
- Your available equity
- Your next move
Sometimes saving the house is the best outcome. Sometimes selling the house is. The goal is putting you in the strongest financial position possible.
Review My SituationBefore You Decide, Know Your Equity.
Your home may be worth significantly more than what you owe.
If you have equity, you need to understand how much may be at stake before deciding what to do.
Know the value. Know what you owe. Know how much time you have. Then choose your best option.
Example only. Actual proceeds depend on mortgage payoff, liens, taxes, selling expenses and other transaction costs.
Keep It. Sell It Fast. Or List It.
One homeowner. One property. The solution should fit the situation.
Keep Your Home
If your hardship was temporary and you can realistically afford the mortgage going forward, keeping your home may make sense.
Options may include loan modification, reinstatement, repayment plans, lender assistance or other appropriate solutions.
Sell Fast for Cash
If time is running out or you don't want to deal with repairs, showings and a traditional sale, a cash/as-is option may make sense. Depending on your situation, you may be able to:
- Sell as-is
- Make no major repairs
- Avoid repeated showings
- Avoid traditional buyer financing delays
- Choose a faster closing
- Pay off the mortgage through closing
- Keep available proceeds after required payoffs and transaction expenses
List Your Home
If you have enough time before foreclosure and meaningful equity, listing the property may produce a better financial result. Listing may make sense if:
- Maximizing price matters more than speed
- Your property can be marketed to traditional buyers
- You have enough time for a normal sale
- The additional potential proceeds justify the extra time and selling expenses
Don't Just Compare the Sale Price. Compare what you actually walk away with.
Cash / As-Is
- Faster
- Fewer repairs
- Fewer showings
- More certainty
- Potentially lower sale price
Traditional Listing
- Potentially higher sale price
- More market exposure
- Usually takes longer
- May require repairs / showings
- Commissions and other selling costs may apply
The best option is the one that gives you the right combination of money, time and certainty.
We're Not Here Just to Make You a Low Cash Offer.
We start by looking at your entire situation. Then we help you evaluate the realistic options.
Keep It
When keeping the home makes financial sense.
Sell It Fast
When speed and certainty matter most.
List It
When there's enough time and pursuing a higher market price makes sense.
One homeowner. One property. The solution should fit the situation.
Tell Us Immediately.
The closer you get to a scheduled foreclosure sale, the fewer practical options you may have.
Don't wait until the last few days to figure out what could have been done earlier.
Request Priority Review
Tell us exactly when your foreclosure is scheduled and we will prioritize your property review.
(786)-416-6767Four Steps. Your Decision.
Tell Us About Your Property
Give us your address and basic information about what's happening.
We Review Your Situation
We'll look at your property, mortgage, potential equity and foreclosure timeline.
Compare Your Options
Keep the home, sell fast/as-is, or pursue a traditional sale.
You Decide
There's no obligation to sell simply because you requested a review.
Frequently Asked Questions
To stop the foreclosure process, you can explore repayment plans, forbearance agreements, refinancing, short sales, or legal defenses. Consulting with a foreclosure attorney ensures you choose the best option for your situation.
A forbearance agreement temporarily reduces or pauses your mortgage payments, allowing you time to recover financially. At the end of the forbearance period, you must resume payments, often with a structured plan to catch up.
Yes, selling your home before foreclosure, either through a traditional or short sale, can help you avoid foreclosure and minimize damage to your credit.
A short sale affects your credit score but is less damaging than a full foreclosure. It also allows you to recover financially and qualify for a new mortgage sooner than after a foreclosure.
Refinancing is possible if you meet lender qualifications and have sufficient equity. It can provide lower payments and better loan terms to help you keep your home.
But Waiting Can Reduce Your Choices.
If you're behind on your mortgage, don't assume foreclosure is inevitable. And don't assume keeping the house at any cost is automatically the best decision either.
- Find out what your home is worth.
- Find out how much you owe.
- Find out whether you can realistically keep it.
- Compare a cash offer.
- See whether listing could put more money in your pocket.
Then make the decision that's best for you before the foreclosure process makes it harder.
Free property review. No obligation to sell.
Important Information
The Home Defenders provides real estate and homeowner-solution services. Information on this page is general educational information and is not legal, tax or financial advice. Foreclosure circumstances vary. No particular foreclosure outcome, sale, closing date, sale price or seller proceeds are guaranteed. Homeowners seeking legal advice should consult a qualified Florida attorney.