Call/Text (305) 980-8939

Before you give up your home, know your options.

If you're behind on your mortgage, property taxes, or HOA payments in Florida, you may already be getting calls from people trying to buy your home at a discount. We're offering something different — a conversation about what you can actually do next.

Call or Text (305) 980-8939 See how it works

This conversation is free, and there's no obligation.

  • No cost, no pressure to sell
  • We explain every option in plain language
  • Serving homeowners across Florida
  • Not affiliated with your lender or any government agency

Is your property already listed as a short sale?

Before accepting a short sale, make sure you understand exactly what your lender is agreeing to. A short sale does not necessarily mean the remaining mortgage debt is forgiven.

Don't assume "short sale approved" means "debt forgiven."

When a lender accepts less than the full amount owed, there can be a gap between the mortgage debt and what the lender actually recovers from the sale. Depending on applicable law, your loan documents, and the lender's written approval, that difference may be waived — or you could remain responsible for some or all of it.

There may be another option: Subject-To

Before you accept a short sale, we'd like the opportunity to determine whether purchasing your property Subject-To the existing mortgage could work for your situation. Instead of paying off the mortgage through a traditional sale, ownership of the property transfers while the existing mortgage stays in place. Depending on the situation, we may take over the ongoing payments and bring delinquent payments current.

This can potentially help homeowners who:

Important: Subject-To is not a loan assumption. The existing mortgage generally stays in the original homeowner's name unless and until the lender releases them, the loan is formally assumed with lender approval, refinanced, or paid off. We believe you should understand exactly what you're signing before you sign it — and we recommend independent legal advice before any agreement.

Already working with a realtor?

If your property is currently listed, you're allowed to ask to cancel that listing agreement at any time — even if it's already been marketed. Most agents will release you from the agreement rather than continue representing a homeowner who no longer wants to sell that way. It's worth putting your own situation first before your listing runs its course.

How a conversation with us works

1

You reach out

Call or text us directly — no forms, no waiting for a callback.

2

We listen first

We ask about your mortgage, timeline, and what you actually need.

3

We explain your options

Cash purchase, Subject-To, or another path — explained plainly.

4

You decide

No obligation to move forward. It's your decision, not ours.

Areas we serve in Florida

We work with homeowners across the state, with a focus on these communities. Select your area for local details:

Miami-Dade Orlando & Kissimmee Tampa Bay Cape Coral Fort Lauderdale

Prefer to have us reach out first?

Tell us a little about your situation and we'll call or text you back — usually the same day. No obligation, and nothing is shared with your lender.

Thanks — we've got your information.

We'll call or text you back shortly. No obligation, and nothing is shared with your lender.

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Common questions

Florida lenders generally pursue judicial foreclosure, which goes through the court system and often takes several months. Homeowners typically have more options earlier in that timeline than they realize — which is why understanding where you are matters before a deadline narrows your choices.
Ownership of the home transfers to the buyer, but the existing mortgage stays in place — generally still in your name. The buyer may take over the payments and bring the loan current, but it's not a loan assumption unless the lender formally approves one.
Generally, yes, unless your lender releases you, the loan is refinanced, paid off, or formally assumed with their approval. This is one of the most important things to understand before signing anything, and we recommend getting independent legal advice on it.
Not necessarily. There can be a gap between what you owe and what the lender recovers in the sale, and whether that gap is forgiven depends on your loan documents and the lender's written approval. Get the exact terms in writing before assuming it's resolved.
No. We're a private company, not affiliated with any lender, mortgage servicer, court, county office, or government agency, and we're not a law firm. We don't provide legal, tax, or financial advice.
Florida uses judicial foreclosure, meaning the lender must file a lawsuit in court. This typically takes several months from the first missed payment to a final judgment, longer if the case is contested. The exact timeline depends on your county and whether you respond to the complaint.
Yes. You can generally sell at any point before a foreclosure sale is finalized — through a traditional sale, a short sale, or a Subject-To transaction. Once a sale date is set, the window narrows, so acting earlier preserves more options.
Because the mortgage generally stays in your name, on-time payments from the new owner can help avoid further damage, but the loan still appears on your credit report. A missed payment by the new owner can still affect your credit until the loan is refinanced, assumed, or paid off.
Any existing liens — a second mortgage, HOA lien, or tax lien — generally need to be addressed as part of the transaction, since they stay attached to the property. We work through this case by case, and you should confirm exactly how any liens will be handled before agreeing to anything.
We recommend it. Since the mortgage isn't paid off or formally assumed, independent legal counsel helps make sure you fully understand your ongoing obligations before you sign anything.
Little or no equity limits some options, like a traditional sale, but not all of them. You may still qualify for a Subject-To sale, a short sale, or a loan modification through your lender, depending on your situation.
In a short sale, the home sells to a third party and the lender accepts less than the full balance, closing out the mortgage. In a Subject-To sale, ownership transfers but the mortgage stays in place, not paid off at closing. Each affects remaining debt and credit differently.
Even with a scheduled sale date, you sometimes still have options up until the sale is completed, though the timeline gets much tighter. Reaching out as early as possible preserves the most choices.

Before the bank decides your next move, let's talk.

Cash purchase, Subject-To, foreclosure situations, tax-delinquent properties, short-sale alternatives, as-is purchases — you may have more than one option. There's no obligation to sell your home to us.

Call or Text (305) 980-8939