Reinstatement
Reinstatement means paying everything you are behind — missed payments, late fees, and foreclosure costs — in one lump sum. The loan returns to normal and the foreclosure is typically dismissed.
How to start
- Request a written reinstatement quote from your servicer.
- Check the quote carefully for fees you don't recognize.
- Ask how the funds must be sent and the deadline.
Where the money comes from
Homeowners often use savings, a tax refund, help from family, or a settlement. Some Florida homeowners may also qualify for state or local assistance programs — a HUD-approved housing counselor can tell you what's currently available.
The longer you wait, the more it costs
Attorney fees and court costs are usually added as the case moves forward, so the reinstatement amount grows over time.
Keep exploring
Home Preservation Program
A sale with a lease-back and a possible option to repurchase — not a loan or a guarantee.
Learn moreSell Before the Auction
A fast, as-is cash sale that can protect your equity and let you leave on your terms.
Learn moreLoan Modification
Permanently change your loan terms so the monthly payment fits your budget.
Learn moreYou don't have to figure this out alone
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