If you have missed mortgage payments — or you can see a missed payment coming — you are not out of options. Florida Excellence Real Estate provides free help for distressed homeowners in Tampa, the Greater Tampa Bay Area and across Florida. No cost, no obligation, and nothing is pushed on you.
If you have missed a mortgage payment or are worried about missing one, call or send us a message. The consultation is completely free for homeowners, and nothing is pushed on you.
Every situation is different. Depending on how many payments you have missed, options can include catching up on the loan, a loan modification, a repayment plan, selling before foreclosure, or a short sale.
Lenders usually start formal action after several missed mortgage payments — but the earlier you reach out, the more doors are still open. We move quickly because time is the one thing you can't get back.
There is no single number, but most lenders begin formal foreclosure action after three to six missed mortgage payments. In Florida the process itself usually takes several more months — which means the window to act is longer than most homeowners think. The key is to reach out early: the fewer payments you've missed, the more options you still have.
Tell us your situation and we'll walk you through your options — or call us directly at 813.808.9620.
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