Foreclosure Defense

Homes above HOA blocks

Recently, a couple in Central Florida did not pay their homeowners’ association (HOA) fees and soon found themselves under the threat of foreclosure. One of the homeowners, Cindy Decker, says that she paid the HOA fees, as well as the late fees the HOA added. Still, even though she had…

When the pandemic first hit in early 2020, the Trump administration placed a moratorium on foreclosures and evictions. While the moratorium was extended last year, it was set to expire on January 31, 2021. Fortunately for homeowners who are falling behind on their mortgage payments, President Biden signed an executive…

Florida home that was foreclosed

If you have missed a mortgage payment or two, or the bank has already started the foreclosure process, you may wonder if it is already too late to stop it. Foreclosure is an exhausting and time-consuming process and throughout it, you will find that you are not only battling the…

home foreclosure legal document with house key

When you have missed some mortgage payments and are in fear of foreclosure, you have a big decision to make. Should you allow the foreclosure process to continue, or should you fight it and try to stay in your home? While your emotions may try to dictate the answer, there…

Refinance your Florida home to avoid foreclosure

The COVID-19 pandemic has ravaged homeowners and business owners alike and has placed many in fear of losing their homes or operating spaces. Throughout the country, the delinquency rate currently stands at 6.3 percent, nearly double the 3.8 percent rate the country saw just one year ago. However, experts are…

mortgage forbearance in Florida

Millions of homeowners across America have received a mortgage forbearance for their home loan.  Although many homeowners have had their forbearance plans expire already, while many are still in a forbearance plan.  During the period of forbearance, a homeowner is not required to make monthly mortgage payments.  The CARES Act…

South Florida homes at risk of foreclosure

Foreclosure filings are down around the country. That is not all that surprising, as the moratorium on federally-backed mortgages is still in place and approximately 80 percent of homeowners hold this type of mortgage. Still, for those in Florida, the news is grim, as the Sunshine State continues to post…