Reinstate the loan
Anytime before final judgment
Pay everything owed + fees + attorney costs in one lump. Brings the loan current; lawsuit dismissed. Works if you have the cash or a relative who does.
South Florida foreclosure rescue · since 2014
Fighting foreclosure in South Florida? You have options.
Broward, Miami-Dade, Palm Beach. Pre-lawsuit, mid-lawsuit, mid-judgment, days before auction — we've closed at every stage. Florida is a judicial state; the timeline is real. Call now and we walk you through every legitimate exit, including ones that don't involve selling to us.
7–14 day close·Stops auction·A+ BBB · since 2014
Sell Your House As-Is.
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Florida is a judicial foreclosure state
Which means you have more time than you think.
In Florida, your lender has to sue you in circuit court to foreclose — they can't just trustee-sell the house at the courthouse steps next week. The lawsuit alone runs 6–9 months for an uncontested case, and even more if you respond. From the moment you miss the first payment to a public auction date typically takes 8–14 months.
That window is your leverage. There are at least six legitimate ways to exit a Florida foreclosure — only one of which is selling to a cash buyer. We'll walk you through all of them on the first call, even the ones that don't put money in our pocket. If reinstating, modifying, or a short sale is the right move, we'll tell you straight.
The Florida foreclosure timeline
Five stages. Each one has a way out.
Per Florida Statute Ch. 702. The further you go, the fewer your options — and the higher the costs already accrued.
- 01
Missed payments + Notice of Default
Servicer sends a written Notice of Default. Late fees + servicer attorney fees start stacking. No court action yet — this is the cheapest stage to fix.
- 02
Lis Pendens filed (FL is judicial)
Lender files suit in your county circuit court + a Lis Pendens on title. The clock on the lawsuit starts. You're served personally; you have 20 days to respond.
- 03
Lawsuit + Final Judgment
If unanswered, default judgment. If answered, motion-practice / discovery for 3–6 months. Final judgment of foreclosure sets sale date — typically 30–35 days out.
- 04
Public auction · Certificate of Sale
Auction held online (Broward, Miami-Dade, Palm Beach all use Realauction). Highest bidder wins. Certificate of Sale issued. Your right of redemption ends when the Certificate of Title issues ~10 days later.
- 05
Eviction
New owner can file a writ of possession. Sheriff posts a 24-hour notice. You're out — without proceeds.
Six legitimate exits
Pick the one that fits your situation.
We'll be honest about which makes sense for you — even when the right answer isn't selling to us.
Mortgage modification
Best before lawsuit; possible during
Renegotiate payment / interest / term with the servicer. HAMP-style mods are gone; HUD-backed and in-house mods exist. Takes 60–120 days; not always approved.
Short sale
During the lawsuit
Lender accepts less than payoff. We've done dozens — Massiel and Eden have direct contacts at Wells Fargo, Chase, BSI, PennyMac, SPS. Takes 60–90 days; lender approval required.
Deed-in-lieu
Limited — banks reluctant
Hand the keys to the lender voluntarily, walk away. Cleaner than foreclosure on your credit but lenders rarely accept on judicial-state files (FL) once a lawsuit's been filed.
Bankruptcy stay
Last-minute lever
Filing Ch.7 or Ch.13 triggers an automatic stay that halts the auction temporarily. NOT financial advice — talk to a bankruptcy attorney; we'll wait while you do.
Cash sale to us (BiggerEquity)
Up until the day before auction
We pay off your mortgage + any judgment costs at closing, you walk with whatever equity remains. If there's no equity, we can sometimes negotiate a short sale on your behalf. Average close: 14 days.
Listing vs cash sale
Pre-foreclosure edition.
| What you compare | Listing with an agent | Cash sale (BiggerEquity) |
|---|---|---|
| Speed to close | 75–120+ days (won't beat the auction) | 7–14 days — beats most sale dates |
| Repairs to list | $10k–$60k typical + cleaning + showings | $0 — we close as-is |
| Buyer financing risk | Buyer's loan can fall through near closing | Our own funds — zero risk |
| Foreclosure on credit | Hits if you can't close before auction | Stopped (mortgage paid off at closing) |
| Net to seller | Market price minus 6% commission, 1–3% closing, foreclosure-attorney fees | Cash offer minus existing liens (we cover all closing costs) |
A word from us
Foreclosure is a process, not a verdict.
You're not the first person to be here and you won't be the last. The lender wants money, not your house. Florida law gives you real time to figure this out — and most South Florida sellers we work with end up with something in their pocket at closing, not the zero they expected. Call before the sale date.
Meet the team handling your fileReal sellers, real stories
The homeowners who've passed us the keys.
“Eden was no ordinary man trying to make a living, he is someone who sees the bigger picture, feels the pain of his clients, and makes decisions based on the greater good. Because of Eden we sold our home in a week, and was able to purchase another in a short period of time.”
Jose R. Alvarez
Aging parents · 30-year home · sold in 1 week · Florida
“Eden was no ordinary man trying to make a living, he is someone who sees the bigger picture, feels the pain of his clients, and makes decisions based on the greater good. Because of Eden we sold our home in a week, and was able to purchase another in a short period of time.”
Jose R. Alvarez
Aging parents · 30-year home · sold in 1 week · Florida
FL foreclosure-specific questions
Eight things South Florida sellers ask.
How long do I really have before they auction my house in Florida?
Florida is a judicial foreclosure state. From your first missed payment to a public auction, the realistic range is 8–14 months. The fastest cases (uncontested, no answer filed, no homestead) can hit auction in 6 months. Contested cases with answers + motions often run 18–24 months. The Lis Pendens being filed means the lawsuit clock has started — 6–9 months typical from there.
Can I still sell after the lawsuit is filed?
Yes. Filing of the foreclosure suit doesn't stop you from selling — it just adds a Lis Pendens to title (a public notice that there's pending litigation against the property). We close around the Lis Pendens routinely. The payoff to the lender at closing dismisses the lawsuit; the Lis Pendens releases when the case closes.
Will selling stop the foreclosure on my credit?
Yes, if we close before the foreclosure sale date. A pre-foreclosure cash sale that pays off the loan in full stops the foreclosure entirely — no foreclosure shows on your credit, no judgment. If we close AFTER the sale date (unusual but possible during the redemption window), the foreclosure typically still posts. The goal is always to close before the auction.
I'm in foreclosure and don't have any equity. Can you still help?
Maybe — depends on the numbers. If the loan balance + judgment costs exceed the property's cash market value, the only way to sell is a short sale (lender accepts less than payoff). We've negotiated dozens of short sales for South Florida sellers — Wells Fargo, Chase, BSI, PennyMac, Select Portfolio Servicing. Process takes 60–90 days; lender approval required. We don't charge anything for the negotiation itself.
What's the difference between Broward, Miami-Dade, and Palm Beach foreclosure procedures?
Foreclosure procedure is the same — Florida Statute Ch. 702 governs all counties. The differences are administrative: clerk filing fees, average judge calendar speed, the auction platform (all three use Realauction.com), and local-counsel familiarity. Eden's been operating since 2014 from Hollywood, FL — Broward is our home turf, but we close in Miami-Dade and Palm Beach weekly.
Do I have to talk to my lender if I sell to you?
No. We coordinate with your lender's payoff department on your behalf — we order the payoff statement, send the wire, and the lender releases the mortgage. You don't have to negotiate, beg, or take their stress calls. Our title attorney handles all of it.
How fast can you actually close before the auction?
Fastest pre-foreclosure close on file: 7 business days from contract to wire. The constraints are (1) ordering and receiving the lender payoff statement (usually 3–5 business days) and (2) clearing title. If your auction is 2+ weeks out, we'll beat it. If it's less than 7 days out, call us anyway — sometimes the lender will postpone if a closing is in motion.
What about HOA or condo association liens?
Common in South Florida. HOA can foreclose separately (parallel to the mortgage), or just attach a lien that has to be paid at closing. We handle the HOA estoppel + payoff as part of title clearance. The estoppel fee (typically $200–$500) is on us; the lien balance comes out of your closing proceeds.
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Close in as few as 7 days
We pay all closing costs
Walk away anytime
Sell Your House As-Is.
Get a Cash Offer From a Real Buyer — Not an Algorithm.
We buy houses nationwide. No repairs. No realtors. No fees. A real person calls back within 7 minutes.
Live · 7-min callback 4.8 · Verified Google reviews
Fast Response • Secure 256-bit Encrypted Submission • Trusted Since 2014