Stop Foreclosure Refinance In Florida
Stop Foreclosure Florida Mortgage Refinance
Refinance Property Taxes To Stop Foreclosure
Florida Tax Liens: Florida Tax liens are the primary liens that can lead to a foreclosure sale. Local (county or city) l governments can place a lien for unpaid Florida property taxes. These are significant because they often hold priority over all other Florida liens, including the primary property’s mortgage.
Stop Foreclosure: Florida Mortgage Refinance
| Stop Foreclosure Loan Amounts • $50K to $25 million – Residential & Commercial |
Loan-to-Value (LTV) Ratios – Case By Case • Up to 70% on purchases – Up to 65% on refinance |
| Terms • 24 months, extension options available • Interest-only payments • Fair Rates • No prepayment penalty • Escrow may be required |
Qualification • Any credit score • Borrower must document ability to pay • Property must be in Florida • No corporate title required • Read More about Florida Bad Credit Lenders |
Refinance to Stop Foreclosure In All of Florida
Stop Foreclosure Refinance Florida
Stop Foreclosure Refinance Situations Include:
| Refinance Probate | ||||
Stop Foreclosure Refinance Florida Property Types:
- Single-family home – Florida Stop Foreclosure Mortgage Lenders:
- Townhouse- Florida Stop Foreclosure Mortgage lenders:
- Manufactured home – Florida Stop Foreclosure Mortgage Lenders :
- Multifamily – Florida Stop Foreclosure Mortgage Lenders:
- Villa – Florida Stop Foreclosure Mortgage Lenders:
- Condos- Florida Stop Foreclosure approved Condos:
- Commercial – Stop Foreclosure Refinance In Florida :
- Condotel or Condo Hotel – Stop Foreclosure Mortgage Lenders:
- Jumbo Luxury Stop Foreclosure Mortgage Lenders:
- Land – Stop Florida Land Lenders:
- Co-op Florida – Stop Foreclosure Mortgage Lenders:
- Non-Warrantable Condo – Stop Foreclosure Mortgage Lenders:
- PadSplit – Florida Stop Foreclosure Mortgage Lenders:
- Land – Stop Foreclosure Refinance Florida Land:
Refinance To Stop Foreclosure Situations:
- Mortgage with 30-60-90 day late payments :
- Refinance Florida past due HOA:
- Refinance Florida Lis Pendens :
- Refinance Florida Claim of lien :
- Refinance To Pay Florida Tax Lien :
- Refinance Florida Code Violations :
- Refinance Florida property Taxes :
- Refinance Florida Final Judgment :
- Buy-Out-Florida Mortgage Refinance :
- Refinance Florida Department of Revenue Warrant :
- Refinance Florida Mortgage While in Bankruptcy :
- Stop Foreclosure Stop Foreclosure Florida Mortgage Lenders :
- Refinance Florida Homeowners Association Lis Pendens :
- Partial Construction Florida Stop Foreclosure Mortgage Lenders :
- Stop Foreclosure Cash Out Refinance Florida Home Listed For Sale:
- Cash Out Refinance Inherited Property To Stop Foreclosure In Florida:
- Cash-out Florida mortgage refinance with collection accounts :
- Cash Out Refinance Inherited Property To Stop Foreclosure In Florida:
Stop Foreclosure: Action Steps:
- Contact Your Mortgage Servicer: Call them immediately to discuss repayment options and stop foreclosure.
- Get Free Counseling: Contact a HUD-approved housing counselor to explore options at no cost.
- State Local Programs: Check for county, State, and local nonprofit stop-foreclosure programs.
- Contact Family: Contact your family to cosign or help restate your mortgage to Stop Foreclosure.
- Raise Money: Start a GoFundMe or ask the community to help you stop foreclosure.
- Gather Documents: Prepare your financial records (income, tax returns).
- Avoid Scams: Be wary of companies promising to stop foreclosure for large upfront fees.
- Sell Your Property: If you have equity, use it and move on.
Refinancing to Stop Foreclosure In Florida
- Requirements: You generally need significant property equity to qualify for a new loan that pays off the current lender, including missed payments and the attorney foreclosure fees.
- Short Refinance: If you owe more than your home is worth, your Florida mortgage lender might consider a “short refinance,” where you receive a new loan for a lower amount than your outstanding balance.
Alternatives to Stop Foreclosure In Florida:
- Loan Modification: The lender changes the original loan terms to make payments more affordable (e.g., a lower interest rate or a longer term).
- Reinstatement: Paying the total past-due amount plus fees in a lump sum.
- Forbearance: Temporarily pausing or reducing payments if the hardship is short-term.
- Chapter 13 Bankruptcy: Filing for bankruptcy triggers an “automatic stay,” which halts foreclosure and allows you to repay missed payments over 3–5 years.
- All legal alternatives should be discussed with your attorney.
Cashout Refinance HOA To Stop Foreclosure In Florida
Yes, you can cash-out refinance to pay your past-due HOA payments and stop foreclosure in Florida. If you are past due on the Florida Homeowners Association (HOA), the HOA has most likely filed a Florida lis pendens on your Florida property to recover the delinquent payments. A Florida lis pendens signifies a legal action against your Florida property related to unpaid HOA fees and or other Florida violations. A Florida lis pendens creates a “cloud on the title,” making it difficult to sell or refinance your Florida property until the association files a RELEASE OF LIS PENDENS. Under the right circumstances, you may be able to refinance past-due HOA payments. The Florida HOA is likely pursuing legal action to recover the unpaid fees and might be in the process of foreclosure.
Cash Out Refinance Before Probate To Stop Foreclosure In Florida
Yes, Cashout Refinance Residential & Commercial Florida Property Refinance In Probate – With No Minimum Credit Score. Cash-out refinancing an inherited Florida property in probate offers several key benefits, primarily allowing an heir to secure cash-out of the equity for various purposes. To accomplish this, a private estate Florida mortgage lender will place a lien on the estate until the probate process is complete. Refinancing a Florida buyout of an inherited home enables you to pay off any existing liens and cash out to buy out any family members’ ownership interest, or Stop Foreclosure, even pay off collection accounts. Inheritance cash-out refinancing simplifies the process of buying out family members in exchange for sole ownership of the property, while providing the necessary resources to execute a successful buyout.
120-Day: Stop Foreclosure In Florida Rule
Under the CFPB’s Stop Foreclosure Mortgage Servicing Rules, Florida mortgage servicers generally cannot start the formal Florida foreclosure process until a borrower is more than 120 days delinquent. This 120-day period is designed to give homeowners time to explore loss mitigation options (alternatives to stop foreclosure in Florida and avoid losing their home.
Stop Foreclosure In Florida Considerations:
Exceptions: Foreclosure can begin before 120 days if the borrower has abandoned the property, has not responded to outreach, or has exhausted all other options. This may not apply to private lenders.
Loss Mitigation: If a complete loss mitigation application is received before the 120-day period expires, the foreclosure cannot proceed until the application is reviewed.
Small Servicers: A “small servicer”—one that services 5,000 or fewer mortgages, which they also own—is exempt from some of these rules.
Timeline: The 120-day period typically begins after the first missed payment. The servicer cannot file the first legal notice of foreclosure during this time.
Purpose: The rule allows borrowers to work with Florida mortgage lenders on loan modifications, short sales, or other solutions to stop foreclosure.
If you are facing foreclosure, you should contact your servicer or a HUD-approved Florida housing counselor.
Steps To Stop Foreclosure In Florida
- Call your current lender and work out a repayment plan.
- Call the county, state, and city, and search for stop foreclosure programs in your area.
- Reach this hotline by dialing 1-888-995-HOPE. You may also obtain a list of U.S. Department of Housing and Urban Development (HUD)- certified stop foreclosure Florida counselors by clicking here.
Refinance Florida Commercial Stop Foreclosure
Multifamily Stop Foreclosure mortgage refinancing (5+ Units):
Florida multifamily Stop Foreclosure mortgage refinancing for apartment investors, operators, and developers across Austin, Dallas-Fort Worth, Houston, and San Antonio. Florida Stop Foreclosure offers mortgage refinancing structures and competitive capital for stabilized and value-add apartment communities throughout Florida.
Industrial & Warehouse Stop Foreclosure mortgage refinance:
Florida industrial and warehouse Stop Foreclosure mortgage refinancing for distribution centers, flex space, logistics facilities, and owner-occupied industrial properties. With continued population growth, Florida remains one of the strongest industrial real estate markets in the country. Stop Foreclosure mortgage refinancing structures competitive debt solutions for investors, developers, and business owners seeking capital for stabilized, value-add, or development industrial assets.
Hotel & Hospitality Stop Foreclosure mortgage refinancing
Florida hotel and hospitality Stop Foreclosure mortgage refinancing for flagged and independent properties across Florida, including Miami, Palm Beach, Fort Lauderdale, Hollywood, Jacksonville, Tampa, Orlando, Port St Lucie, Pembroke Pines, Miramar, Cape Coral, St Petersburg, Palm Bay, Gainesville, Coral Springs, Lakeland, Springhill, Pompano beach, Brandon, Miami, CLearwater, Riverview, Tampa, Palm Coast Davie, Fort Myers, Naples.and all Florida. From select-service acquisitions to full-service repositioning and new construction developments, Florida Stop Foreclosure offers mortgage refinancing structures and capital solutions aligned with occupancy performance, brand affiliation, and market demand across Florida.
Office & Retail Property Stop Foreclosure mortgage refinancing
Florida office and retail Stop Foreclosure mortgage refinancing solutions for stabilized, value-add, and owner-occupied commercial properties across Florida, Fort Lauderdale, Hollywood, Jacksonville, Tampa, Orlando, Port St Lucie, Pembroke Pines, Miramar, Cape Coral, St Petersburg, Palm Bay, Gainesville, Coral Springs, Lakeland, Springhill, Pompano beach, Brandon, Miami, CLearwater, Riverview, Tampa, and growing secondary markets. Florida Stop Foreclosure mortgage refinancing structures capital for neighborhood retail centers, medical office buildings, corporate office assets, and mixed-use properties throughout Florida. We align each transaction with current lender appetite, tenant stability, and market fundamentals.
Ground-Up Construction Stop Foreclosure mortgage refinancing:
Florida commercial construction Stop Foreclosure mortgage refinancing for developers and sponsors building multifamily, industrial, retail, hospitality, and mixed-use projects across Austin, Dallas-Fort Worth, Houston, San Antonio, and high-growth secondary markets.
Florida Stop Foreclosure mortgage refinancing includes:
structures, construction capital solutions aligned with project feasibility, sponsor experience, and Florida market demand. From entitlement through stabilization, we coordinate Stop Foreclosure mortgage refinancing that supports disciplined execution and long-term investment performance.
Relevant Terms: To Stop Foreclosure in Florida
If you are working with your mortgage servicer or an approved Florida housing counselor to keep your home, there are several options:
- Repayment Plan: This is an agreement that gives you a fixed amount of time to repay the amount you are behind by combining a portion of what is past due with your regular monthly payment. At the end of the repayment period, you have gradually paid back the delinquent amount of your mortgage.
- Loan Modification: A written agreement between you and your mortgage servicer that permanently changes one or more of the original terms of your note to make your payments more affordable.
- Reinstatement: Your servicer may agree to let you pay the total amount you are behind, in a lump sum payment and by a specific date. This is often combined with forbearance when you can show that funds from a bonus, tax refund or other source will become available at a specific time in the future. Be aware that reinstatement plans may incur late fees and other costs.
- Forbearance: Your servicer may offer a temporary reduction or suspension of your mortgage payments while you get back on your feet. Forbearance is often combined with a reinstatement or a repayment plan to catch up on missed or reduced mortgage payments. Please be aware that some forbearance plans require you to immediately repay the missed payments in a lump sum at the end of the plan.
If you and your Florida mortgage servicer agree that you cannot keep your home, there may still be options to avoid foreclosure:
- Stop Foreclosure Refinancing: While refinancing is not necessarily a good option when facing foreclosure and can sometimes be predatory, there are instances where it may help. Talk to your servicer to see if refinancing is an option for you.
- Short Payoff: If you can sell your house, but the sale proceeds are less than the total amount you owe on your mortgage, your mortgage servicer may agree to a short payoff and write off the portion of your mortgage that exceeds the net proceeds from the sale.
- Deed-in-Lieu of Foreclosure: A deed-in-lieu of foreclosure is a cancellation of your mortgage if you voluntarily transfer title of your property to your mortgage servicer. Usually, you must try to sell your home for its fair market value for at least 90 days before a mortgage company will consider this option. A deed-in-lieu of foreclosure may not be an option if there are other liens on the property, such as second mortgages, judgments from creditors or tax liens.
- Assumption: An assumption permits a qualified buyer to take over your mortgage debt and make the mortgage payments, even if the mortgage is non-assumable. As a result, you may be able to sell your property and avoid foreclosure.
Protect Yourself: Avoiding Florida Mortgage Foreclosure “Rescue” Scams
Contact your Florida mortgage loan servicer as soon as you realize you have missed a payment.
Florida Mortgage Servicers can discuss options with you to help you work through payments during difficult financial times. Servicers prefer to keep you in your Florida home, and most will work with you to find a solution if you can prove your ability to repay. Be honest with your servicer about your financial hardship so that you can have a realistic discussion regarding your options. You can find the number for your your monthly mortgage statement.
Understand your rights.
Learn all that you can about your mortgage rights and foreclosure laws in Florida. Review your loan documents to determine what your Florida mortgage lender or servicer may do if you can’t make your payments. Review Florida laws, particularly Florida Statutes Chapter 702, to learn about foreclosure proceedings.
Understand the relevant terms.
If you are working with your Florida mortgage servicer to Stop foreclosure to keep your Florida home, there are several options:
- Repayment Plan: This is an agreement that gives you a fixed amount of time to repay the amount you are behind by combining a portion of what is past due with your regular monthly payment. At the end of the repayment period, you have gradually paid back the amount of your Florida mortgage that was delinquent.
- Loan Modification: A written agreement between you and your mortgage servicer that permanently changes one or more of the original terms of your note to make your payments more affordable.
- Reinstatement: Your servicer may agree to let you pay the total amount you are behind, in a lump sum payment and by a specific date. This is often combined with forbearance when you can show that funds from a bonus, tax refund or other source will become available at a specific time in the future. Be aware that there may be late fees and other costs associated with a reinstatement plan.
- Forbearance: Your servicer may offer a temporary reduction or suspension of your mortgage payments while you get back on your feet. Forbearance is often combined with a reinstatement or a repayment plan to pay off the missed or reduced mortgage payments. Please be aware that some forbearance plans require that you immediately pay back the missed payments in a lump sum at the end of the plan.
If you and your servicer agree that you cannot keep your Florida home, there may still be options to stop foreclosure:
- Short Payoff: If you can sell your Florida house but the sale proceeds are less than the total amount you owe on your mortgage, your mortgage servicer may agree to a short payoff and write off the portion of your mortgage that exceeds the net proceeds from the sale.
- Deed-in-Lieu of Foreclosure: A deed-in-lieu of foreclosure is a cancellation of your mortgage if you voluntarily transfer title of your property to your mortgage servicer. Usually you must try to sell your home for its fair market value for at least 90 days before a mortgage company will consider this option. A deed-in-lieu of foreclosure may not be an option if there are other liens on the property, such as second mortgages, judgments from creditors or tax liens.
- Assumption: An assumption permits a qualified buyer to take over your mortgage debt and make the mortgage payments, even if the mortgage is non-assumable. As a result, you may be able to sell your property and avoid foreclosure.
- Stop Foreclosure Refinancing: While refinancing is NOT necessarily a good option when facing foreclosure and can sometimes be predatory, there are instances where it may help. Talk to a hard money Florida mortgage lender to explore your options.
Stop Foreclosure Florida Mortgage Refinance
REFINANCE NOTICE OF DEFAULT AND FORECLOSURE SALE
WHEREAS, on a certain Jacksonville, Florida Mortgage Deed of Trust was executed by A SINGLE WOMAN AND A SINGLE MAN, AS JOINT TENANTS WITH A FULL RIGHT OF SURVIVORSHIP as trustor in favor of URBAN FINANCIAL GROUP as beneficiary, and was recorded on , as Instrument No. , in the Office of the Recorder of Jacksonville, Florida County, Florida; and
WHEREAS, the Mortgage Deed of Trust was insured by the Jacksonville, Florida United States Secretary of Housing and Urban Development (the Secretary), pursuant to the National Housing Act, for the purpose of providing
single family house; and WHEREAS, the beneficial interest in the Jacksonville, Florida Mortgage Deed of Trust is now owned by the Secretary, pursuant to an assignment dated 11/12/2018, recorded on 11/26/2018, as instrument number 115463678, in the office of Broward County, Florida; and WHEREAS, a default has been made in the covenants and conditions of the Mortgage Deed of Trust in that the payment due upon the death of the borrower(s) was not made and remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to restore the loan to currency; and
WHEREAS, the entire amount delinquent as of 1/21/2026 is $288,140.71; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mortgage Deed of Trust to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary’s designation of me as
Foreclosure Commissioner, SEE ATTACHED notice is hereby given that on 3/9/2026 at 11:00 AM local time, all real and personal property at or used in connection with the following described premises (“Property”) will be sold at public auction to the highest bidder:
Stop Foreclosure Refinance Florida Lis Pendens –
You are notified of the institution of this action by Plaintiff against you seeking to foreclose a lien recorded in Broward County, Florida on the following property: TO DEFENDANTS, JOHN DOE and JANE DOE, AND ALL OTHERS WHOM IT MAY CONCERN: To the above Defendants, if they be living; and, if they be dead, the unknown Defendants who may be spouses, heirs, devisees successors or assigns of such Defendants, and additional unknown Defendants as successors in interest, grantees, assignees, lienors, creditors, trustees and all parties claiming interest by, through, under or against the Defendants who are not natural persons, who are not known to be dead or alive and all parties having or claiming to have any right, title or interest in the property described in the lien being foreclosed herein. YOU ARE NOTIFIED of the institution of this above-styled action by the named Plaintiffs against you seeking to foreclose a Claim of Lien in Miami Florida which was recorded on April 1, 2025, under Instrument #120136720 in the Public Records of Broward County, Florida: THE NATURE OF THIS ACTION IS A COMPLAINT TO FORECLOSE A CLAIM OF LIEN
FOR ASSESSMENTS.
Refinance To Stop Florida Foreclosure
LAKE HOMEOWNERS ASSOCIATION, INC., a Florida non-profit corporation, Plaintiff, V., and any and all unknown parties claiming by, through, under and against the herein named individual defendants who are now known to be dead or alive, whether said unknown parties may claim an interest as spouses, heirs, grantces, or other claimants, Defendants in Miami Florida AND ALL OTHERS WHOM IT MAY CONCERN YOU ARE NOTIFIED OF THE FOLLOWING: (a) The Plaintiff has instituted this action against you seeking to foreclose a lien, with respect to the property described below. (b) The Plaintiff in this action is: INC. HOMEOWNERS ASSOCIATION, (c) The case number of the action is as shown on the caption. (d) The property that is the subject matter of this action is in Miami-Dade County, Florida, and is described as follows: as dated 6/41/2025, SEE ATTACHED EXHIBIT “A” DEERFIELD BEACH, FL 33442 Parcel ID No.:
Refinance To Stop HOA Foreclosure In Florida
To the above Defendants, if they be living; and, if they be dead, the unknown Defendants who may
be spouses, heirs, devisees successors or assigns of such Defendants, and additional unknown Defendants
as successors in interest, grantees, assignees, lienors, creditors, trustees and all parties claiming interest
by, through, under or against the Defendants who are not natural persons, who are not known to be dead
or alive and all parties having or claiming to have any right, title or interest in the property described in
the lien being foreclosed herein. YOU ARE NOTIFIED of the institution of this above-styled action by the named Plaintiffs against you seeking to foreclose a Claim of Lien which was recorded on April , 2025, under Instrument
#5120151925375 in the Public Records of Broward County, Florida: SEE EXHIBIT “А” Pembroke Pines, FL 33025
THE NATURE OF THIS ACTION IS A COMPLAINT TO FORECLOSE A CLAIM OF LIEN FOR ASSESSMENTS.
Dated this June 151, 2025
Stop Foreclosure Fast Refinance Florida
The quickest way To Stop Foreclosure In Tampa, Florida, is to contact your Florida mortgage lender as soon as you fall behind and start a repayment plan. Tampa, Florida hard money Mortgage Lenders‘ number one goal is to stop foreclosure. Florida mortgage servicers can discuss options with you to help you work out repayment plans during difficult, tough financial times. Florida mortgage lenders prefer to have you keep your home so they can keep your mortgage in service. Be straightforward with your Florida mortgage lender about your financial circumstances so that you can have a realistic discussion regarding your options. You can find the Florida mortgage lenders’ phone number on your monthly mortgage statement or coupon book.
Potential solutions to Stop Foreclosure in Florida:
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Loan Modification: Contact your Florida mortgage lender to discuss modifying your loan terms, such as lowering the interest rate or extending the loan term, to make payments more manageable.
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Reinstatement: If possible, pay off the full amount of overdue payments, fees, and costs to reinstate your Florida mortgage loan and stop the foreclosure process.
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Redemption: To Stop The foreclosure sale, you can redeem your property by paying the full outstanding mortgage balance, including all associated fees, before the sale
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Bankruptcy: Filing for Chapter 7 or Chapter 13 bankruptcy can provide an automatic stay, temporarily halting the foreclosure process while you work on a repayment plan or other solutions. Talk to your attorney to find out if this is an option for you. I am not an attorney and i cannot give you legal advice.
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Deed in Lieu of Foreclosure: Voluntarily transferring ownership of your property to your Florida mortgage lender can avoid the negative impact of a foreclosure sale on your credit report.
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Mediation: In Florida, homeowners may have the option to mediate with their lender before foreclosure proceedings begin.
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Challenging the Foreclosure: If the Florida foreclosure process was not handled correctly, you may be able to challenge it in court.
Tips To Stop Foreclosure In Florida
Are you having trouble keeping up with your mortgage payments in Florida? Have you received a notice from your lender asking you to contact them?
- Don’t ignore the letters from your lender
- Contact your Florida lender immediately to quickly stop foreclosure.
If you are unable to make your monthly mortgage payment, don’t ignore the problem. Work with your mortgage lender directly until you can get back on track. If you can prove your ability to make the payments, chances are that you have repayment options.
1. Don’t ignore your Florida Mortgage Lender.
The further behind you become, the harder it will be to reinstate or modify your mortgage and the more likely that you will lose your house.
2. Contact your Florida mortgage lender as soon as you realize that you have a problem.
Florida mortgage lenders DO NOT want your house. They have options to help borrowers through difficult financial times.
3. Open and respond to all mail from your Florida mortgage lender.
The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notices of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court.
4. Know your mortgage rights.
Find your loan documents and read them so you know what your lender may do if you can’t make your payments. Learn about the foreclosure laws and timeframes in your state (as every state is different) by contacting the State Government Housing Office.
5. Understand foreclosure prevention options.
Valuable information about foreclosure prevention (also called loss mitigation) options can be found online.
6. Contact a HUD-approved housing counselor.
The U.S. Department of Housing and Urban Development (HUD) funds free or very low-cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender, if you need this assistance. Find a HUD-approved housing counselor near you
7. Prioritize spending.
After healthcare, keeping your house should be your Number 1 priority. Review your income and expenses and see where you can cut spending. Look at canceling all unnecessary expenses that include eating out, cable TV, memberships, and entertainment that you can eliminate. Contact your credit cards to delay payments and other “unsecured” debt until you’re caught up on your mortgage payments.
8. Use your assets.
Do you have assets–a second car, jewelry, a whole life insurance policy–that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don’t significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home.
9. Avoid foreclosure prevention companies.
You don’t need to pay fees for foreclosure prevention help–use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three months’ mortgage payment) for information and services your lender or a HUD-approved housing counselor will provide free if you contact them.
10. Don’t lose your house to foreclosure recovery scams!
If any firm claims they can stop your foreclosure immediately and if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms and getting professional advice from an attorney, a trusted real estate professional or a HUD-approved housing counselor.
Few people think they will lose their home; they think they have more time.
Here’s how it happens. Note: Timeline varies by state.
- First month missed payment – your lender will contact you by letter or phone. A housing counselor can help.
- Second month missed payment – your lender is likely to begin calling you to discuss why you have not made your payments. It is important that you take their phone calls. Talk to your lender and explain your situation and what you are trying to do to resolve it. At this time, you still may be able to make one payment to prevent yourself from falling three months behind. A housing counselor can help.
- Third month missed payment after the third payment is missed, you will receive a letter from your lender stating the amount you are delinquent, and that you have 30 days to bring your mortgage current. This is called a “Demand Letter” or “Notice to Accelerate.” If you do not pay the specified amount or make some type of arrangements by the given date, the lender may begin foreclosure proceedings. They are unlikely to accept less than the total due without arrangements being made if you receive this letter. You still have time to work something out with your lender. A housing counselor can still help.
- Fourth month missed payment – now you are nearing the end of time allowed in your Demand or Notice to Accelerate Letter. When the 30 days ends, if you have not paid the full amount or worked our arrangements you will be referred to your lender’s attorneys. You will incur all attorney fees as part of your delinquency. A housing counselor can still help you.
- Sheriff’s or Public Trustee’s Sale – the attorney will schedule a Sale. This is the actual day of foreclosure. You may be notified of the date by mail, a notice is taped to your door, and the sale may be advertised in a local paper. The time between the Demand or Notice to Accelerate Letter and the actual Sale varies by state. In some states it can be as quick as 2-3 months. This is not the move-out date, but the end is near. You have until the date of sale to make arrangements with your lender, or pay the total amount owed, including attorney fees.
- Redemption Period – after the sale date, you may enter a redemption period. You will be notified of your time frame on the same notice that your state uses for your Sheriff’s or Public Trustee’s Sale.
Important: Stay in contact with your lender, and get assistance as early as possible. All dates are estimated and vary according to your state and your mortgage company.
Understand your rights.
Learn all that you can about your Florida mortgage rights and foreclosure laws. Review your loan documents to determine what your Flroida mortgage lender or servicer may do if you can’t make your payments. Review Florida laws, particularly Florida Statutes Chapter 702 to learn about foreclosure proceedings.
Contact a non-profit housing counselor.
Help and information are available to you free of cost. The HOPE NOW alliance provides a 24-hour hotline to provide mortgage counseling assistance in multiple languages. Reach this hotline by dialing, 1-888-995-HOPE. You may also obtain a list of U.S. Department of Housing and Urban Development (HUD) certified counselors in Florida here.
Understand the relevant terms.
If you are working with your mortgage servicer or an approved housing counselor to keep your home, there are several options:
- Reinstatement: Your servicer may agree to let you pay the total amount you are behind, in a lump sum payment and by a specific date. This is often combined with forbearance when you can show that funds from a bonus, tax refund or other source will become available at a specific time in the future. Be aware that there may be late fees and other costs associated with a reinstatement plan.
- Forbearance: Your servicer may offer a temporary reduction or suspension of your mortgage payments while you get back on your feet. Forbearance is often combined with a reinstatement or a repayment plan to pay off the missed or reduced mortgage payments. Please be aware that some forbearance plans require that you immediately pay back the missed payments in a lump sum at the end of the plan.
- Repayment Plan: This is an agreement that gives you a fixed amount of time to repay the amount you are behind by combining a portion of what is past due with your regular monthly payment. At the end of the repayment period you have gradually paid back the amount of your mortgage that was delinquent.
- Loan Modification: This is a written agreement between you and your mortgage servicer that permanently changes one or more of the original terms of your note to make the payments more affordable.
If you and your servicer agree that you cannot keep your home, there may still be options to avoid foreclosure:
- Short Payoff: If you can sell your house but the sale proceeds are less than the total amount you owe on your mortgage, your mortgage servicer may agree to a short payoff and write off the portion of your mortgage that exceeds the net proceeds from the sale.
- Deed-in-Lieu of Foreclosure: A deed-in-lieu of foreclosure is a cancellation of your mortgage if you voluntarily transfer title of your property to your mortgage servicer. Usually you must try to sell your home for its fair market value for at least 90 days before a mortgage company will consider this option. A deed-in-lieu of foreclosure may not be an option if there are other liens on the property, such as second mortgages, judgments from creditors or tax liens.
- Assumption: An assumption permits a qualified buyer to take over your mortgage debt and make the mortgage payments, even if the mortgage is non-assumable. As a result, you may be able to sell your property and avoid foreclosure.
- ReStop Foreclosure mortgage refinancing : While reStop Foreclosure mortgage refinancing is not necessarily a good option when facing foreclosure and can sometimes even be a predatory practice, there are instances where it may help. Talk to your servicer to see if reStop Foreclosure mortgage refinancing is an option for you.
Carefully examine your finances.
Can you cut spending on optional expenses or delay payments on credit cards or other unsecured debt until you have paid your mortgage? Do you have assets that you could sell to help reinstate your loan? Can anyone in the household get a second job to help with income? These efforts to manage your finances may help you find income to apply to your outstanding payments and will demonstrate to your servicer that you are willing to work on your finances and make sacrifices in order to keep your home.
Do not fall victim to a foreclosure recovery scam.
If any business or individual offers to help you stop foreclosure immediately by signing a document authorizing them to act on your behalf or to set up Stop Foreclosure mortgage refinancing , do not sign without consulting a professional (an attorney or HUD-approved counselor). This may be a trick to get you to sign over title to your home. You are then vulnerable to losing your home and all of your equity in your home to the so-called “rescuer.”
The Consumer Financial Protection Bureau also provides useful information in avoiding scams. You can access the CFPB’s website on how to avoid foreclosure rescue scams here.
Avoid for-profit foreclosure prevention or loss mitigation companies.
If you fall behind in your mortgage payments, many for-profit companies will contact you promising to help you avoid foreclosure. Some may even appear to be affiliated with your lender or servicer. It is best to avoid dealing with these companies. Most will charge you a hefty fee up front for information that your servicer or a HUD-approved counselor will provide for free. You can obtain the same plan or a better plan for free by contacting your servicer or a HUD-approved counselor. Use your money to pay the mortgage instead.
Should you require outside resources to avoid foreclosure, seek out a licensed mortgage broker or an attorney. You can verify a mortgage broker’s license on the Office of Financial Regulation’s website. A “rescue firm” or mortgage broker may never charge you up front. They may only charge you after you receive and accept a written offer for a loan or refinance contract.
494.00794 Right to cure high-cost Florida home loans
(2) GROUNDS FOR REINSTATEMENT.—Before any action filed to foreclose upon the home or other action is taken to seize or transfer ownership of the home, a notice of the right to cure the default must be delivered to the borrower at the address of the property upon which any security exists for the home loan by postage prepaid certified United States mail, return receipt requested, which notice is effective upon deposit in the United States mail, and shall inform the borrower:
Seek additional information.
Information regarding mortgage and foreclosure issues from the following resources may prove helpful during this time:
- CFPB on mortgages
- Making Home Affordable
- Federal Trade Commission (FTC) on homes and mortgages
- The Florida Office of Financial Regulation on loan modifications
Refinance To Stop Foreclosure All Florida:
| Alachua | Alachua County |
| Alford | Jackson County |
| Altamonte Springs | Seminole County |
| Altha | Calhoun County |
| Anna Maria | Manatee County |
| Apalachicola | Frankin County |
| Apopka | Orange County |
| Arcadia | DeSoto County |
| Archer | Alachua County |
| Astatula | Lake County |
| Atlantic Beach | Duval County |
| Atlantis | Palm Beach County |
| Auburndale | Polk County |
| Aventura | Miami-Dade County |
| Avon Park | Highlands County |
| Bal Harbor | Miami-Dade County |
| Baldwin | Duval County |
| Bartow | Polk County |
| Bascom | Jackson County |
| Bay Harbor Islands | Miami-Dade County |
| Bay Lake | Orange County |
| Bell | Gilchrist County |
| Belle Glade | Palm Beach County |
| Belle Isle | Orange County |
| Belleair | Pinellas County |
| Belleair Beach | Pinellas County |
| Belleair Bluffs | Pinellas County |
| Belleair Shore | Pinellas County |
| Belleview | Marion County |
| Beverly Beach | Flagler County |
| Biscayne Park | Miami-Dade County |
| Blountstown | Calhoun County |
| Boca Raton | Palm Beach County |
| Bonifay | Holmes County |
| Bonita Springs | Lee County |
| Bowling Green | Hardee County |
| Boynton Beach | Palm Beach County |
| Bradenton Beach | Manatee County |
| Bradenton | Manatee County |
| Branford | Suwannee County |
| Briny Breezes | Palm Beach County |
| Bristol | Liberty County |
| Bronson | Levy County |
| Brooker | Bradford County |
| Brooksville | Hernando County |
| Bunnell | Flagler County |
| Bushnell | Sumter County |
| Callahan | Nassau County |
| Callaway | Bay County |
| Cambelton | Jackson County |
| Cape Canaveral | Brevard County |
| Cape Coral | Lee County |
| Carrabelle | Frankin County |
| Caryville | Washington County |
| Casselberry | Seminole County |
| Cedar Grove | Bay County |
| Cedar Key | Levy County |
| Center Hill | Sumter County |
| Century | Escambia County |
| Chattahoochee | Gadsden County |
| Chiefland | Levy County |
| Chipley | Washington County |
| Cinco Bayou | Okaloosa County |
| Clearwater | Pinellas County |
| Clermont | Lake County |
| Clewiston | Hendry County |
| Cloud Lake | Palm Beach County |
| Cocoa | Brevard County |
| Cocoa Beach | Brevard County |
| Coconut Creek | Broward County |
| Coleman | Sumter County |
| Cooper City | Broward County |
| Coral Gables | Miami-Dade County |
| Coral Springs | Broward County |
| Cottondale | Jackson County |
| Crawfordville | Wakulla County |
| Crescent City | Putnam County |
| Crestview | Okaloosa County |
| Cross City | Dixie County |
| Crystal River | Citrus County |
| Dade City | Pasco County |
| Dania Beach | Broward County |
| Davenport | Polk County |
| Davie | Broward County |
| Daytona Beach | Volusia County |
| Daytona Beach Shores | Volusia County |
| DeBary | Volusia County |
| Deerfield Beach | Broward County |
| DeFuniak Springs | Walton County |
| DeLand | Volusia County |
| Delray Beach | Palm Beach County |
| Deltona | Volusia County |
| Destin | Okaloosa County |
| Doral | Miami-Dade County |
| Dundee | Polk County |
| Dunedin | Pinellas County |
| Dunnellon | Marion County |
| Eagle Lake | Polk County |
| Eatonville | Orange County |
| Ebro | Washington County |
| Edgewater | Volusia County |
| Edgewood | Orange County |
| El Portal | Miami-Dade County |
| Esto | Holmes County |
| Eustis | Lake County |
| Everglades City | Collier County |
| Fanning Springs* | Gilchrist County |
| Fanning Springs* | Levy County |
| Fellsmere | Indian River County |
| Fernandina Beach | Nassau County |
| Flagler Beach | Flagler County |
| Florida Bad Credit City | Miami-Dade County |
| Fort Lauderdale | Broward County |
| Fort Meade | Polk County |
| Fort Myers Beach | Lee County |
| Fort Myers | Lee County |
| Fort Pierce | St. Lucie County |
| Fort Walton Beach | Okaloosa County |
| Fort White | Columbia County |
| Freeport | Walton County |
| Frostproof | Polk County |
| Fruitland Park | Lake County |
| Gainesville | Alachua County |
| Glen Ridge | Palm Beach County |
| Glen Saint Mary | Baker County |
| Golden Beach | Miami-Dade County |
| Golf | Palm Beach County |
| Golfview | Palm Beach County |
| Graceville | Jackson County |
| Grand Ridge | Jackson County |
| Green Cove Springs | Clay County |
| Greenacres | Palm Beach County |
| Greensboro | Gadsden County |
| Greenvilee | Madison County |
| Greenwood | Jackson County |
| Gretna | Gadsden County |
| Groveland | Lake County |
| Gulf Breeze | Santa Rosa County |
| Gulf Stream | Palm Beach County |
| Gulfport | Pinellas County |
| Haines City | Polk County |
| Hallandale | Broward County |
| Hampton Beach | Bradford County |
| Hastings | St. Johns County |
| Havana | Gadsden County |
| Haverhill | Palm Beach County |
| Hawthorne | Alachua County |
| Hialeah | Miami-Dade County |
| Hialeah Gardens | Miami-Dade County |
| High Springs | Alachua County |
| Highland Beach | Palm Beach County |
| Highland Park | Polk County |
| Hillcrest Heights | Polk County |
| Hilliard | Nassau County |
| Hillsboro Beach | Broward County |
| Holly Hill | Volusia County |
| Hollywood | Broward County |
| Holmes Beach | Manatee County |
| Homestead | Miami-Dade County |
| Horseshoe Beach | Dixie County |
| Howey-in-the-Hills | Lake County |
| Hupoluxo | Palm Beach County |
| Indialantic | Brevard County |
| Indian Creek | Miami-Dade County |
| Indian Harbour Beach | Brevard County |
| Indian River Shores | Indian River County |
| Indian Rocks Beach | Pinellas County |
| Indian Shores | Pinellas County |
| Inglis | Levy County |
| Interlachen | Putnam County |
| Inverness | Citrus County |
| Islamorada | Monroe County |
| Islandia | Miami-Dade County |
| Jacksonville Beach | Duval County |
| Jacksonville | Duval County |
| Jacob | Jackson County |
| Jasper | Hamilton County |
| Jay | Santa Rosa County |
| Jennings | Hamilton County |
| Juno Beach | Palm Beach County |
| Jupiter | Palm Beach County |
| Jupiter Inlet Colony | Palm Beach County |
| Jupiter Island | Martin County |
| Kenneth City | Pinellas County |
| Key Biscayne | Miami-Dade County |
| Key Colony Beach | Monroe County |
| Key West | Monroe County |
| Keystone Heights | Clay County |
| Kissimmee | Osceola County |
| La Crosse | Alachua County |
| LaBelle | Hendry County |
| Lady Lake | Lake County |
| Lake Alfred | Polk County |
| Lake Buena Vista | Orange County |
| Lake Butler | Union County |
| Lake City | Columbia County |
| Lake Clarke Shores | Palm Beach County |
| Lake Hamilton | Polk County |
| Lake Helen | Volusia County |
| Lake Mary | Seminole County |
| Lake Park | Palm Beach County |
| Lake Placid | Highlands County |
| Lake Wales | Polk County |
| Lake Worth | Palm Beach County |
| Lakeland | Polk County |
| Lantana | Palm Beach County |
| Largo | Pinellas County |
| Lauderdale Lakes | Broward County |
| Lauderdale-by-the-Sea | Broward County |
| Lauderhill | Broward County |
| Laurel Hill | Okaloosa County |
| Lawtey | Bradford County |
| Layton | Monroe County |
| Lazy Lake | Broward County |
| Lee | Madison County |
| Leesburg | Lake County |
| Lighthouse Point | Broward County |
| Live Oak | Suwannee County |
| Longboat Key* | Sarasota County |
| Longboat Key* | Manatee County |
| Longwood | Seminole County |
| Lynn Haven | Bay County |
| Macclenny | Baker County |
| Madeira Beach | Pinellas County |
| Madison | Madison County |
| Maitland | Orange County |
| Malabar | Brevard County |
| Malone | Jackson County |
| Manalapan | Palm Beach County |
| Mangonia Park | Palm Beach County |
| Marathon | Monroe County |
| Marco Island | Collier County |
| Margate | Broward County |
| Marianna | Jackson County |
| Marineland* | St. Johns County |
| Marineland* | Flagler County |
| Mary Esther | Okaloosa County |
| Mascotte | Lake County |
| Mayo | Lafayette County |
| McIntosh | Marion County |
| Medley | Miami-Dade County |
| Melbourne | Brevard County |
| Melbourne Beach | Brevard County |
| Melbourne Village | Brevard County |
| Mexico Beach | Bay County |
| Miami Beach | Miami-Dade County |
| Miami Gardens | Miami-Dade County |
| Miami Lakes | Miami-Dade County |
| Miami Shores Village | Miami-Dade County |
| Miami Springs | Miami-Dade County |
| Miami, Florida, Bad Credit | Miami-Dade County |
| Micanopy | Alachua County |
| Midway | Gadsden County |
| Milton | Santa Rosa County |
| Minneola | Lake County |
| Miramar | Broward County |
| Monticello | Jefferson County |
| Montverde | Lake County |
| Moore Haven | Glades County |
| Mount Dora | Lake County |
| Mulberry | Polk County |
| Naples | Collier County |
| Neptune Beach | Duval County |
| New Port Richey | Pasco County |
| New Smyrna Beach | Volusia County |
| Newberry | Alachua County |
| Niceville | Okaloosa County |
| Noma | Holmes County |
| North Bay Village | Miami-Dade County |
| North Lauderdale | Broward County |
| North Miami | Miami-Dade County |
| North Miami Beach | Miami-Dade County |
| North Palm Beach | Palm Beach County |
| North Port | Sarasota County |
| North Redington Beach | Pinellas County |
| Oak Hill | Volusia County |
| Oakland | Orange County |
| Oakland Park | Broward County |
| Ocala | Marion County |
| Ocean Breeze Park | Martin County |
| Ocean Ridge | Palm Beach County |
| Ocoee | Orange County |
| Okeechobee | Okeechobee County |
| Oldsmar | Pinellas County |
| Opa-locka | Miami-Dade County |
| Orange City | Volusia County |
| Orange Park | Clay County |
| Orchid | Indian River County |
| Orlando | Orange County |
| Ormond Beach | Volusia County |
| Otter Creek | Levy County |
| Oviedo | Seminole County |
| Pahokee | Palm Beach County |
| Palatka | Putnam County |
| Palm Bay | Brevard County |
| Palm Beach | Palm Beach County |
| Palm Beach Shores | Palm Beach County |
| Palm Beach Gardens | Palm Beach County |
| Palm Coast | Flagler County |
| Palm Shores | Brevard County |
| Palm Springs | Palm Beach County |
| Palmetto | Manatee County |
| Palm Harbor | Pinellas County |
| Palmetto Bay | Miami-Dade County |
| Panama City | Bay County |
| Panama City Beach | Bay County |
| Parker | Bay County |
| Parkland | Broward County |
| Paxton | Walton County |
| Pembroke Park | Broward County |
| Pembroke Pines | Broward County |
| Penney Farms | Clay County |
| Pensacola | Escambia County |
| Perry | Taylor County |
| Pierson | Volusia County |
| Pine Crest | Miami-Dade County |
| Pinellas Park | Pinellas County |
| Plant City | Hillsborough County |
| Plantation | Broward County |
| Polk City | Polk County |
| Pomona Park | Putnam County |
| Pompano Beach | Broward County |
| Ponce De Leon | Holmes County |
| Ponce Inlet | Volusia County |
| Port Ornage | Volusia County |
| Port Richey | Pasco County |
| Port St. Lucie | St. Lucie County |
| Port St. Joe | Gulf County |
| Punta Gorda | Charlotte County |
| Quincy | Gadsden County |
| Raiford | Union County |
| Reddick | Marion County |
| Redington Beach | Pinellas County |
| Redington Shores | Pinellas County |
| Riviera Beach | Palm Beach County |
| Rockledge | Brevard County |
| Royal Palm Beach | Palm Beach County |
| Safety Harbor | Pinellas County |
| Saint Leo | Pasco County |
| San Antonio | Pasco County |
| Sanford | Seminole County |
| Sanibel | Lee County |
| Sarasota | Sarasota County |
| Satellite Beach | Brevard County |
| Sea Ranch Lakes | Broward County |
| Sebastian | Indian River County |
| Seabring | Highlands County |
| Seminole | Pinellas County |
| Sewall’s Point | Martin County |
| Shalimar | Okaloosa County |
| Sneads | Jackson County |
| Sopchoppy | Wakulla County |
| South Bay | Palm Beach County |
| South Daytona | Volusia County |
| Sounty Miami | Miami-Dade County |
| South Palm Beach | Palm Beach County |
| South Pasadena | Pinellas County |
| Southwest Ranches | Bay County |
| Springfield | Bay County |
| St. Augustine Beach | St. Johns County |
| St. Augustine | St. Johns County |
| St. Cloud | Osceola County |
| St. Lucie Village | St. Lucie County |
| St. Marks | Wakulla County |
| St. Pete Beach | Pinellas County |
| St. Petersburg | Pinellas County |
| Starke | Bradford County |
| Stuart | Martin County |
| Sun City Center | Hillsborough County |
| Sunny Hills | Washington County |
| Sunny Isles Beach | Miami-Dade County |
| Sunrise | Broward County |
| Surfside | Miami-Dade County |
| Sweetwater | Miami-Dade County |
| Tallahassee | Leon County |
| Tamarac | Broward County |
| Tampa | Hillsborough County |
| Tarpon Springs | Pinellas County |
| Tavares | Lake County |
| Temple Terrace | Hillsborough County |
| Tequesta | Palm Beach County |
| Titusville | Brevard County |
| Treasure Island | Pinellas County |
| Trenton | Gilchrist County |
| Umatilla | Lake County |
| Valpariso | Okaloosa County |
| Venice | Sarasota County |
| Vernon | Washington County |
| Vero Beach | Indian River County |
| Virginia Gardens | Miami-Dade County |
| Waldo | Alachua County |
| Wauchula | Hardee County |
| Wausau | Washington County |
| Webster | Sumter County |
| Weeki Wachee | Hernando County |
| Welaka | Putnam County |
| Wellington | Palm Beach County |
| West Melbourne | Brevard County |
| West Miami | Miami-Dade County |
| West Palm Beach | Palm Beach County |
| Weston | Broward County |
| Westville | Holmes County |
| Wewahitchka | Gulf County |
| White Springs | Hamilton County |
| Wildwood | Sumter County |
| Williston | Levy County |
| Wilton Manors | Broward County |
| Windermere | Orange County |
| Winter Garden | Orange County |
| Winter Haven | Polk County |
| Winter Park | Orange County |
| Winter Springs | Seminole County |
| Worthington Springs | Union County |
| Yankeetown | Levy County |
| Youngstown | Bay County |
| Zephyrhills | Pasco County |
| Zolfo Springs | Hardee County |
