Sell Before the Auction
If keeping the home is no longer realistic, selling before the foreclosure sale date is often the best way to protect the equity you've built. A sale pays off the mortgage, ends the case, and puts any remaining money in your pocket instead of leaving it at the courthouse.
How it works
- We review your situation, your timeline, and what you owe.
- You receive a clear cash offer for the home as-is — no repairs, cleaning, or showings.
- A title company confirms the payoff with your lender.
- You choose a closing date that works before the auction.
Why it can make sense
A completed sale is generally far easier on your credit than a foreclosure judgment, and you keep control of when and how you move.
If the home is worth more than you owe, that difference is yours. At auction, much of it can be lost to fees, costs, and below-market bids.
Timing matters
In Florida, a sale can usually close any time before the clerk's foreclosure sale. Cash closings can often happen in a couple of weeks once title is clear, but every file is different, so earlier is always better.
Is this right for you?
This path fits homeowners who have equity, need certainty, or simply want to stop the stress and start fresh. If you owe more than the home is worth, a short sale may fit better.
Keep exploring
Home Preservation Program
A sale with a lease-back and a possible option to repurchase — not a loan or a guarantee.
Learn moreLoan Modification
Permanently change your loan terms so the monthly payment fits your budget.
Learn moreForbearance
A temporary pause or reduction in payments while you get back on your feet.
Learn moreYou don't have to figure this out alone
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