Your Options
There is more than one way forward
Sell with equity
List and sell before the foreclosure sale. You keep what is left after the loan is paid.
Good fit: the home is worth more than you owe
Short sale
Your lender agrees to accept less than the loan balance so you can sell and move on.
Good fit: you owe more than the home is worth
How short sales work →Loan modification or deed in lieu
Your lender may change the loan terms so you can stay, or take the home back by agreement instead of a court sale.
Good fit: you can afford a lower payment, or a sale is not possible
Foreclosure alternatives →Inherited & probate homes
We work with your probate attorney and family to sell a home that needs work or has a loan behind.
Good fit: you inherited a property you cannot keep
Inherited & probate homes →How It Works
Five steps, one clear plan
- STEP 1
Confidential consultation
We talk through your situation, your goals and your timeline. No cost, no obligation.
- STEP 2
Review your options
What the home could sell for, what you owe, and which path fits. If you need an attorney, CPA or HUD-approved counselor, we will tell you.
- STEP 3
Prepare and list
For a short sale, we help you put together the lender's hardship package and list the home.
- STEP 4
Work with your lender
We submit offers to your lender and follow up until there is a decision in writing.
- STEP 5
Close and move forward
You close on a date you can plan around.
Frequently Asked Questions
Straight answers
How long does foreclosure take in Florida?
Florida is a judicial foreclosure state, so the lender must file a lawsuit and get a court judgment before the home can be sold. Most cases take many months from the first missed payment, and contested cases can take longer. That time is your window to act.
Can I sell my house if it is already in foreclosure?
Yes. Until the court-ordered sale happens, you can usually still sell, either at full price if you have equity or as a short sale if you do not.
What is the difference between a short sale and a foreclosure?
In a short sale, you sell the home with your lender's approval for less than you owe. In a foreclosure, the lender takes the home through the court. A short sale gives you more control over timing and the move-out date.
Does it cost me anything to work with you?
The consultation is free. In most approved short sales, the real estate commission is paid from the sale proceeds as approved by the lender, not out of your pocket. We do not charge upfront fees.
Will I owe taxes or still owe the bank after a short sale?
Possibly. Forgiven mortgage debt can be taxable, and a lender may be able to pursue the remaining balance unless the approval letter waives it. Always review the lender's approval letter with a Florida attorney and talk to a CPA before you sign.
Can you stop my foreclosure?
No real estate agent can promise that. What we can do is help you understand your options early and, if selling is right for you, move quickly enough to give you the best chance of closing before a sale date.
Do you work in Spanish?
Yes. Jenny is a native Spanish speaker. Sí, hablamos español.
Request a Confidential Consultation
Tell us a little about your situation. Everything you share stays private. No cost, no obligation, no upfront fees. Se habla español. We are not attorneys or tax advisors and do not provide legal or tax advice.
Our team of professionals will be with you every step of the way, from preparing your home for the sale, to handing the keys to the new buyer.
Jennifer Gomez is a licensed Florida real estate Broker Associate with LPT Realty. CDPE® is a designation of the Real Estate Advancement Institute. Information on this page is general and not legal, tax or financial advice. Results depend on your lender and your situation; no outcome is guaranteed. Consult a Florida attorney and a tax professional about your specific situation.