WHO WE HELP
Helping our Neighbors from Pensacola to Jacksonville
who we help
We help local Northwest Florida home owners sell their homes fast and for a fair price. If you would like to Sell your home without paying thousands of dollars to a Realtor and without paying closing costs, then we may be just who you are looking for More…
About
Our Professionals Help good people in a bind facing Foreclosures. We also work with Damaged Homes, Inherited / Probate Houses, Liens / Violations and much more.
WE HAVE FULL TIME
- Title researchers
- File processors
- Debt Mitigation Experts
- Real Estate Agents
- Marketing Specialists
- Short Sale Coordinators
- Real Estate Attorneys
- We are all here to serve YOU!!
Testimonials
Contact
We'd really love to hear from you so why not drop us an email and we'll get back to you as soon as we can.
Foreclosures
What is Foreclosure?
A foreclosure is when a mortgage lender assumes ownership of a property as a result of missed mortgage payments More…
The First Missed Payment
The loan servicer usually allows for a 10 to 15 day grace period on a missed payment and after that, a late fee may apply More…
30 Days Past Due and Multiple Missed Payments
Once the account becomes 30 days past due, the delinquency is usually posted to the homeowner’s credit report More…
Pre-Foreclosure and Loss Mitigation
A loan servicer generally waits until at least 120 days of delinquency have passed before filing a state court case to begin the foreclosure process More…
The Breach Letter
Lenders are required to send out this letter before officially beginning the foreclosure proceedings More…
Lis Pendens
Florida is considered a judicial foreclosure state, which means that the lender has to file a lawsuit in order to foreclose on a home More…
The Discovery Period
Before filing the motion for a summary judgment, the lender’s attorney and the homeowner’s foreclosure defense attorney, if they have one, may engage in a discovery period More…
Motion for Summary Judgement
If the lender was not granted a default judgement against the homeowner, and after a discovery period, they will usually file a motion for summary judgment More…
The Foreclosure Trial
If the motion for a summary judgement is denied, then a foreclosure trial date is set More…
Foreclosure Sale or Auction
The notice for a foreclosure sale is required to be published in a newspaper two weeks before the sale date More…
Deficiency Judgement
Another possibility after the foreclosure sale is a deficiency judgement More...
Eviction
Once the property is officially under new ownership, then the homeowner is obligated to leave the property More…
Let us Help before or during the foreclosure process, Remember you have options.
Short Sale
A short sale is the sale of a upside down property for less than what the owner still owes on the mortgage. A short sale is an alternative to foreclosure when a homeowner needs to sell and can no longer afford to make their mortgage payments. The lender agrees to accept less than the amount owed to pay off a loan now rather than taking the property back by foreclosure and trying to sell it later. Lenders agree to a short sale because they believe it will net them more money than going forward with a lengthy and costly foreclosure process.
THE TOP 25 SHORT SALE QUESTIONS
How we can help
- We’ll refer you to Full Service Real Estate Company that specialties are in short sales and has 98% success rate of negotiating deficiency judgement
- If needed, we’ll hire a foreclosure attorney at our cost
- Help with moving
- Buy house As Is for cash
CONTACT US BEFORE ITS TOO LATE
EMAIL US HERE
OR CALL US NOW AT 850-797-5675
Bankruptcy
Bankruptcy or Short Sale – Which is Best?
Bankruptcy is a legal process that may stop a foreclosure and allow you to reorganize your debt and keep assets More…
Bankruptcy Basics
Federal bankruptcy law is intended to provide a fresh start to an honest debtor More…
Chapter 7
First a means test must be applied, determining that your residual income for the next five years will be less than $6,000 More…
Chapter 13
Unlike Chapter 7, all of your assets are not liquidated in Chapter 13 bankruptcy. Chapter 13 bankruptcy provides time to catch up on past due balances while keeping your property More…
A Short Sale Makes Better Sense — Financially and Emotionally
The “B” word, Bankruptcy, and the “F” word, Foreclosure, stir up all kinds of personal embarrassment and lasting financial stigma including More...
Loan Modification
What is a mortgage modification?
This process can allow borrowers to stay in their property when they can no longer afford their current mortgage payments More…
Terms of a Loan Modification
The goal of a loan modification is to reduce a homeowner’s mortgage payment and make that payment affordable. This is accomplished by implementing one or more of the following More…
Loan Modifications May Result in an Increased Payment
This may sound bizarre to you and contrary to how a loan modification is supposed to work, but not every bank will offer a loan modification that lowers a homeowner’s mortgage payment More…
Temporary Loan Modifications
Be aware that some banks are offering a temporary loan modification. This means a bank will not agree to make a permanent loan modification but may instead offer the following conditions More…
Why Might a Short Sale Be Preferred Over a Loan Modification?
Homeowners who would prefer to get out from underwater may prefer to do a short sale in-lieu-of a loan modification. A short sale means the bank will accept a reduced payoff and release the loan More…
Deed-In-Lieu
What is a Deed in Lieu of Foreclosure
A deed in lieu of foreclosure is a title-transferring document signed by the homeowner, notarized by a notary public and eventually recorded in the public records More…
Is Deed in Lieu more beneficial for bank or borrower?
In most cases a deed in lieu can favor a bank more than it favors a homeowner. Most people face the deed in lieu decision after the bank has either denied More…
Why lender would reject Deed in Lieu of Foreclosure
Here are a few reasons why a bank might refuse a deed in lieu More…
Drawbacks to a Deed in Lieu of Foreclosure
Always seek legal advice before jumping at the bit to give the bank a deed in lieu of foreclosure. Remember, it is in the bank’s interest to obtain the deed from you More…
Potential Tax Effects
Be sure to ask your accountant whether the canceled debt from your home loan could result in a tax liability. Temporarily, the 2007 Mortgage Forgiveness Debt More…
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