Sell Lease Back In Florida To Stop Foreclosure

Sell Leaseback To Stop Foreclosure In Florida

The Florida foeclosure leaseback (or “Sell and Stay”) is a strategy where you sell your Florida home to an investor and lease it back until you can buy again. So you sell your house usually for the reinstatement amount, and depending on your equity position you can get cashout. After you sell your house you sign an option with the right to repurshase your home in the future. This process allows you to remain in the property as a tenant while you repair your credit and finances until you can qualify to buy the home back. This allows you to avoid foreclosure while maintaining your living situation and giving you the breathing room you need. 

Call Thomas Martin @ 954-667-9110 for the latest qualifications. 

Stop Foreclosure Sale, Lease Back, Purchase Agreement: Example 

INITIAL PURCHASE AND SALES AGREEMENT TO LEASE HOME BACK

Parties: Florida Real Estate Lease Back Investor  (BUYER) and Seller in Foreclosure anywhere in Florida (SELLER), their heirs, successors, personal representatives and assigns, hereby agree that Seller will sell and Buyer will buy the following property, to be conveyed by General Warranty Deed, upon the following terms and conditions:

• Address: anywhere in Florida 
• Parcel I.D. NO: 234522-25-16-095580-00001-7590
• Legal Description: Lot Block Legal Anywhere in Florida Book 13454, Pages 102 and 103, of the Public Records of Miami-Dade County, Florida.

Seller Acknowledges good and valuable consideration (________)

Total Purchase Price = Amount needed to payoff all mortgages and liens to be determined after title search and receipt of payoff figures   (Estimated Amount 300,000.00, which  includes 10,000.00 to Seller)

1. CLOSING COSTS: All costs will be added to the purchase price and will be paid by the Buyer.
2. REAL ESTATE TAXES: Taxes due will be credited to the Buyer, and all escrows will be transferred to the Buyer.
3. CLOSING: Seller will provide a clear title. If a clear title cannot be passed, Seller agrees to cure all defects as soon as possible, the cost of which will be added to the purchase price. This agreement will remain in effect until a clear title is passed or it is canceled by the written agreement of all parties.
4. CONDITION: Property is being bought in its PRESENT “AS IS” CONDITION, subject to a satisfactory inspection by the Buyer prior to closing. Seller knows of no latent facts or conditions materially affecting the value of the property.
5. LEASE: Seller will receive a written one-year lease with monthly payments equal to the existing debt on the property, or approximately $ 3,000.00. Seller has confidence in Seller’s ability to afford the monthly rent payment.
6. OPTION: Seller will receive a 24-month option to purchase or sell the subject property at $375,000. Seller understands the risk in this transaction but has confidence in Seller’s ability to repair credit problems, to qualify for a new purchase mortgage or sell the property above and beyond to pay off new debt of 375000 within the 24 month time frame.
7. EQUIPMENT: All attached equipment is included, along with kitchen appliances and air conditioners.
8. SUBJECT TO: Seller understands that the Buyer may purchase the property “subject to” the existing mortgage. This means the loan will stay in the Seller’s name until it is paid off, assumed, or refinanced by a future buyer, but no promise to pay off, assume, or refinance has been made to the Seller. Seller agrees that Buyer may establish on-line access to this loan account while still in Seller’s name.
9. BUYER IS AN INVESTOR: Seller understands that Buyer is purchasing solely to make a profit. Seller will cooperate with Buyer insofar as executing any documents that may be required by a lender, insurance company, Buyer or others, including documents for land trust, short sale, refinancing or “subject to” purposes.
10. RECISSION: Seller understands that by signing this agreement, Seller may not enter into any other contractual obligations with other parties. Seller cannot rescind this agreement and it may be recorded at the county courthouse to protect the Buyer’s financial interests and obligations, incurred by virtue of acceptance of this Agreement. Seller’s initials indicate that Seller has read and understands this paragraph: (________
11. SEEK LEGAL COUNSEL: The transaction is legally binding, and Seller has been advised to seek legal counsel to ensure a complete and full understanding of the sales transaction. Seller’s initials indicate that Seller understands the agreement and chooses not to retain counsel: (________)
12. ACTIVE TERMITES: If fumigation is necessary, the cost will be added to the purchase price.
13. OTHER AGREEMENTS: There are no other agreements, promises or understandings between these parties except as specifically set forth herein. This is a legal and binding agreement and will be construed in accordance with Florida Law. If not understood, the parties should seek competent legal advice. TIME IS OF THE ESSENCE IN THIS AGREEMENT.

Stop Foreclosure Lease Back Property Types:

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

Stop Foreclosure Lease Back Refinance Commercial:

• Bad Credit Hard Money Commerical Lease Back: 
• Parking lot Florida Sale Lease Back:
• Agricultural Hard Money Florida Mortgage Lenders: 
• Car Dealership Hard Money Florida Mortgage Lenders:
• Industrial Florida Sale Lease Back:
• Assisted Living Home Florida Sale Lease Back:
• Funeral Home Florida Sale Lease Back: 
• 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 Sale Lease Back:
• Stop Foreclosure Lease Back 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 Sale Lease Back :
• Cashout Refinace Commercial Property Listed For Sale In Florida: 
• Commerical Florida Refinance Buyout Partner:
• Golf Course Florida Sale Lease Back: 
• And More call me even if your property is not listed!

Stop Foreclosure Lease Back Refinance In Florida:

• Refinance Florida HOA To Stop Foreclosure Lease Back :
• 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 Lease Back Florida Mortgage Refinance:
• Refinance Florida Homeowners Association :
• Refinance Partial Construction Stop Foreclosure Lease Back In Florida:
• Foreign National Stop Foreclosure Lease Back 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:

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 the auction.

Florida Regulations and Statutes For LeaseBack To Stop Foreclosures on primary homes:

501.1377 Violations involving Florida homeowners during the course of residential foreclosure proceedings.—

Florida Stop Foreclosure Lease Back “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 Lease Back 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 Lease Back:

• 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 Lease Back 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 Lease Back 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 Lease Back 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 Lease Back Fast Refinance Florida

The quickest way To Stop Foreclosure Lease Back In Tampa, Florida, is to contact your Florida mortgage lender as soon as you fall behind and start a repayment plan. Tampa, Florida Sale Lease Back‘ number one goal is to Stop Foreclosure Lease Back. 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 Lease Back 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 Stop Foreclosure Lease Back quickly.

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, you likely 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 Lease Back mortgage refinancing : While reStop Foreclosure Lease Back 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 Lease Back 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 Lease Back immediately by signing a document authorizing them to act on your behalf or to set up Stop Foreclosure Lease Back 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

Florida Lease Back To Stop Foreclosure Guidelines

501.1377 Violations involving Florida homeowners during the course of residential foreclosure proceedings.—

Refinance To Stop Foreclosure Lease Back 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