Stop Foreclosure Mortgage Refinance In Florida

Refinance To Stop Foreclosure In Florida

A foreclosure bailout is an emergency refinance to stop foreclosure. This financial strategy is usually an alternative high-interest mortgage refinancing loan option that pays off a defaulted mortgage to immediately halt foreclosure sale. The foreclosure bailout allows Florida property owners with bad credit or missed payments to buy time, save their equity, and stabilize their finances.

*All Information and terms are subject to change without notice.
Call Thomas Martin @ 954-667-9110 for the latest qualifications. 

Stop Foreclosure Commerical Mortgage Refinance

Commerical: Stop Foreclosure Refinance: 

How To Check Your Foreclosure Auction Status in Florida: 

1. Get the case info: Find your foreclosure case number in the county records search or the trustee’s name from the Notice of Default/Notice of Trustee Sale, mortgage statement, or Florida mortgage lender correspondence. If you don’t have them, look up the property address on the Florida county clerk’s public records to find foreclosure filings.
2. Check the county Clerk of Court docket: Search the county clerk’s online civil docket by case number or party name to view filings, hearing dates, motions, and orders. This shows the current status (scheduled sale, continued, stayed, or final judgment).
3. Look up the trustee sale listing/auction portal: Many Florida counties list trustee/tax‑deed sales on online auction platforms (e.g., RealAuction, Bid4Assets) or trustee websites. Search by property address or case number to see scheduled sale dates and auction status.
4. Review the Florida Foreclosure Notice of Sale ads: The Notice of Sale is published in the county legal newspaper before auction. Check local legal notices or the county’s legal‑notices portal to confirm the advertised sale date and any continuances.
5. Contact the trustee or the lawyer’s firm handling the sale: Florida foreclosure counsel contact info is on the Notice of Sale. Call/email to confirm whether the sale is still scheduled, has been continued, or canceled.
6. Confirm sheriff/auction procedures & timing: Some counties hold sales at courthouse steps; others use online auctions. Verify exact sale time, platform, and bidder registration requirements.
7. Check for bankruptcy filings & lis pendens: Search the bankruptcy docket (PACER or the county’s bankruptcy clerk) and the clerk’s records for a filed lis pendens or bankruptcy stay that would halt the sale.
8. Tax & title checks: Use the county property appraiser and tax collector sites to confirm owner name, parcel/APN, and any tax delinquencies or certificates that may affect the sale outcome.
9. Contact the lender/servicer or hire counsel/title company: If you’re the owner and need to stop a sale, contact the servicer immediately about reinstatement, payoff, loan modification, or loss mitigation. For purchasers/agents, use a title company to confirm curative actions.
10. Document everything & act fast: Foreclosure timelines move quickly. Keep copies of notices, emails, and proof of payment/negotiation attempts. If you need to stop a sale, act immediately — often hours or days before auction.

Options to Stop Foreclosure in Florida

Refinance To Stop Foreclosure Property Types:

• Single-family home – Florida Stop Foreclosure Mortgage Lenders: 
• Townhouse- Florida Stop Foreclosure Mortgage lenders: 
• Duplex -Triplex- Quadplex- Stop Foreclosure Stop Foreclosure Mortgage Lenders :
• Manufactured home – Florida Stop Foreclosure Mortgage Lenders : 
• Multi-Family – Florida Stop Foreclosure Mortgage Lenders: 
• Modular home – Stop Foreclosure Stop Foreclosure Mortgage Lenders 
• Villa – Florida Stop Foreclosure Mortgage Lenders: 
• Condos- Florida Stop Foreclosure approved Condos: 
• Commercial – Investment Properties:
• Condotel or Condo Hotel – Stop Foreclosure Mortgage Lenders: 
• Jumbo Luxury Stop Foreclosure Mortgage Lenders:
• Co-op Florida – Stop Foreclosure Mortgage Lenders:
• Non-Warrantable Condo – Stop Foreclosure Mortgage Lenders: 
• Land Lenders – Stop Foreclosure Florida Land Lenders: 
• Non-Resident Stop Foreclosure Mortgage Lenders :

Stop Foreclosure Refinance Commercial:

• Bad Credit Hard Money Commerical Florida Mortgage Lenders: 
• Parking lot Florida Hard Money Mortgage Lenders:
• Agricultural Hard Money Florida Mortgage Lenders: 
• Car Dealership Hard Money Florida Mortgage Lenders:
• Industrial Florida Hard Money Mortgage Lenders:
• Assisted Living Home Florida Hard Money Mortgage Lenders:
• Funeral Home Florida Hard Money Mortgage Lenders: 
• Multifamily Hard Money Florida Mortgage Lenders:
• HOA Mortgage Lenders In Florida:
• Vacant Land Florida Hard Money Lenders:
• Commerical Land Florida Hard Money Lenders:
• Hotel Hard Money Florida Mortgage Lenders:
• Motel Hard Money Florida Mortgage Lenders:
• Inherited Commercial Property Refinance Before Probate:
• Warehouse Florida Hard Money Mortgage Lenders:
• Stop Foreclosure Commerical Mortgage Lenders Florida: 
• Finish Construction Florida Hard Money Lenders:
• Commerical Refinance Before Probate In Florida:
• Refinance Hard Money Florida Commerical Pace Loan: 
• Luxury Mansion Florida Hard Money Mortgage Lenders :
• Cashout Refinace Commercial Property Listed For Sale In Florida: 
• Commerical Florida Refinance Buyout Partner:
• Golf Course Florida Hard Money Mortgage Lenders: 
• And More call me even if your property is not listed!

Stop Foreclosure Refinance In Florida:

• Refinance Florida HOA To Stop Foreclosure :
• 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 Mortgage With Repossession :
• Refinance Mortgage with 30-60-90 day late payments :
• Refinance Balloon Mortgage In Florida
• Refinance Florida mortgage with collection accounts:
• Refinance To Pay Florida Property Taxes:
• Refinance (ARM) Adjustable Rate Mortgage In Florida
• Refinance Florida Department of Revenue Warrant :
• Refinance Florida Mortgage While in Bankruptcy :
• Refinance Florida Mortgage Divorce Buyout :
• Cashout Refinance While In Florida Jail:
• Stop Foreclosure Florida Mortgage Refinance:
• Refinance Florida Homeowners Association :
• Refinance Partial Construction Stop Foreclosure In Florida:
• Foreign National Stop Foreclosure Florida Mortgage Refinance:
• Florida Balloon Mortgage Refinance In Florida :
• Bad Credit Cash Out Refinance Florida Home Listed For Sale:
• Bad Credit Florida Commercial Business Loans:
• Refinance Bad Credit Florida Commercial Business Loans:

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 With an Asset-Based Lender

Our commerical Florida mortgage lenders have options to stop foreclosure on commercial properties through “foreclosure buyout” loans and bridge financing, targeting small-balance Florida commercial and investment properties. As a private Florida Stop Foreclosure mortgage lender, they offer quick-closing, asset-based loans (often ignoring credit scores or personal income) to bail out Florida commerical property owners facing bank foreclosure.

Stop Foreclosure Sale Leaseback In Florida

The sale-leaseback program is great for people who cannot hold onto their Florida investment property for some reason. We will use the remaining investment money to bring the property up to working condition and at least back to 12-60 months, allowing you to purchase it back once you have your financing in order.

Commerical Stop Foreclosure Refinance

• No Income Verification: Commerical Foreclosure Loans are based primarily on the property’s value, not the borrower’s personal credit or income, often closing in as few as 10 days.
• No Credit Requirements: credit Score or payment history not considered.
• Foreclosure Refinance / Bailouts: They provide loans to pay off lenders who are initiating foreclosures, aimed at saving commercial, mixed-use, and investment properties.
• Short-term Funding: These foreclosure loan options provide short-term (typically 24-36 months) financing to cover immediate needs such as debt repayment, inventory purchases, or real estate transactions while the borrower secures long-term funding. They are designed to “bridge the gap” between a current obligation and future, more permanent financing.
• Targeted Properties: Focus on small-balance commercial, non-owner-occupied properties, and investment real estate.

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.

Yes, you can cash-out refinance while in a Florida Jail for  residential, commercial, and land for non-owner-occupied property – NON Florida Homestead property types while in jail. Our Bad credit Florida Jail mortgage lenders can help cashout refinancing balloon mortgages, Collection accounts, judgments,  adjustable rates, liens, property taxes, judgments, Lis pendens, Claims of lien, Florida Jail tax liens, Bankruptcy,  Code violations, Final judgments, Buyouts,  Late payments, Tax lien, Department of Revenue, Behind On HOA, Stop-Foreclosure, Probate, Divorce, or Partner buyouts. 

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.

Stop Foreclosure In Florida Action Steps: 

1. Contact Your Mortgage Servicer: Call them immediately to discuss repayment options and stop foreclosure.
2. Get Free Counseling: Contact a HUD-approved housing counselor to explore options at no cost.
3. State Local Programs: Check for county, State, and local nonprofit stop-foreclosure programs. 
4. Contact Family: Contact your family to cosign or help restate your mortgage to Stop Foreclosure. 
5. Raise Money: Start a GoFundMe or ask the community to help you stop foreclosure.
6. Gather Documents: Prepare your financial records (income, tax returns).
7. Avoid Scams: Be wary of companies promising to stop foreclosure for large upfront fees.
8. Sell Your Property: If you have equity, use it and move on. 

Cashout Refinance HOA To Stop Foreclosure

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

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”Florida Business Refinance one that services 5,000 or fewer mortgages, which they also ownFlorida Business Refinance 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

1. Call your current lender and work out a repayment plan.
2. Call the county, state, and city, and search for stop foreclosure programs in your area. 
3. 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 

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.

Florida Stop 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 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.

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

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