In Pre-Foreclosure, or behind on Mortgage Payments In Florida?
Common Pre-Foreclosure Challenges In Florida
Two Cup House specializes in helping Florida homeowners facing pre-foreclosure sell their homes before a foreclosure auction takes place. Drawing on our years of experience, we sit down with you, one-on-one, to carefully assess payoff amounts, critical timelines, and available exit strategies, allowing you to avoid foreclosure damage to your credit while selling your home as-is for a fair cash offer. Two Cup House has helped homeowners facing pre-foreclosure since 2018.
How To Avoid Foreclosure In Florida
If you’re behind on your mortgage in Florida, you’re not alone. Life hits hard, and once a lender starts the foreclosure process, everything moves faster than most people expect. The good news is Florida gives homeowners several real ways to slow down or completely stop a foreclosure. The key is acting early and choosing the option that fits your situation.
Below is a clear breakdown of what actually works in Florida today.
Reinstate the Loan
If you can catch up on missed payments, late fees, and court costs, the lender must stop the foreclosure. Florida law allows reinstatement up until the judge enters a final judgment. This is the cleanest option because it restores your loan as if nothing happened. Our team at Two Cup House can help guide you through reinstating your loan.
Apply for Loss Mitigation
Loss mitigation isn’t just paperwork. Submitting a complete application immediately forces the lender to pause the foreclosure while they review your situation.
Common options include:
- Loan modification
- Forbearance
- Repayment plan
- Partial claim (FHA)
Two Cup House helps with all of the paperwork you will need to start the loss mitigation process.
File Chapter 13 Bankruptcy
Bankruptcy sounds intimidating, but in foreclosure cases it’s a powerful tool. Filing creates an automatic stay that instantly stops the foreclosure. Chapter 13 lets you keep the home and repay your missed payments over three to five years. Not everyone qualifies, but for families with steady income, it’s a strong reset button.
Sell the Property Before the Auction
You can still sell your house even after the foreclosure has started. As long as the lender gets paid before the auction, the foreclosure ends. You’ve got two paths:
- Traditional sale: Good if you have time.
- Fast cash sale: Best when you’re close to the sale date or the house needs repairs.
Two Cup House has bailed many homeowners out of Pre-Foreclosure at the last minute because we can close in days and handle the paperwork, giving you a clean exit without the foreclosure on your record.
Short Sale
If you owe more than the property is worth, a short sale lets you sell for less than the loan balance with the lender’s approval. Once approved, the lender usually pauses the foreclosure to allow the sale to close. Not guaranteed, but lenders often prefer this over taking the home back because, believe it or not, lenders are in the business of making money, not holding no-performing assets. Two Cup House specilizes in starting
Ask the Court to Postpone the Sale
Judges sometimes postpone foreclosure sales when:
- You’re actively working with the lender
- You’ve submitted a loss mitigation application
- You have a signed sales contract
- There were errors in the process
This option doesn’t erase the foreclosure, but it can buy you extra days or weeks to finish a solution.
Who Is This Service For?
- You’ve fallen behind on payments
- The bank is threatening foreclosure
- You don’t want to lose the house, but can’t keep it either
- You feel stuck or overwhelmed
- You’re not sure what your options are
How We Help Florida Homeowners In Pre-Foreclosure
If you’re in pre-foreclosure, Two Cup House’s team will step in fast and give you a clear way out. You have more options than you think. The worst thing you can do is wait. The earlier you act, the more choices stay on the table.
And if selling feels like the best path forward, we can help you do it fast, privately, and without repairs or showings. We will make a cash offer on your house as it sits, so you can avoid a full foreclosure and the credit damage that comes with it. You won’t deal with repairs, agents, or delays. You get a straightforward option to sell quickly, protect your future, and move forward without stress.
Areas we help Homeowners in Pre-Foreclosure Or Behind In Mortgage
- Davenport
- Haines City
- Poinciana
- Jacksonville
- Tampa
- Orlando
- Kissimmee
- Lakeland
- Bartow
- LAKE WALES
- Winter haven
- St. Petersburg