Stop foreclosure. Protect your equity. Save your credit.

Florida is a judicial foreclosure state. After you miss payments (typically 90-120 days), the lender files a lawsuit (lis pendens). You're served and have 20 days to respond. If unresolved, the court enters a Final Judgment and sets a public auction date — usually 4 to 8 months from the initial filing, sometimes longer if contested. You can sell the property any time before the auction and keep any equity above the payoff.

It varies. From the first missed payment to the auction, most Florida foreclosures take 8-14 months. But every week matters — the earlier we act, the more options remain (reinstatement, loan modification, short sale, traditional sale with equity, or a cash sale before the sale date).

Yes. You can sell right up until the courthouse auction. If your home is worth more than the payoff, a traditional or cash sale lets you walk away with your equity, avoid a foreclosure on your credit, and control the timeline. If you owe more than it's worth, a short sale may be possible with lender approval.

A short sale is when the lender agrees to accept less than the full loan payoff. You typically need to show hardship (job loss, medical, divorce, death in the family) and prove the home is worth less than what's owed. We coordinate the entire lender negotiation and often get deficiency waived so you owe nothing after closing.

A completed foreclosure typically drops your score 100-160 points and stays on your report for 7 years. A short sale or pre-foreclosure sale is significantly less damaging and often lets you qualify for a new mortgage in 2-4 years instead of 7. Selling before the auction is almost always the better financial outcome.

Very possibly — Florida home values have risen significantly. Many owners in default still have $50,000-$200,000+ in equity they didn't realize they had. We provide a complementary valuation and payoff analysis so you see the real number before making any decision.

Don't panic — many auctions can still be stopped by a filed sale contract, a court-approved short sale, a loan reinstatement, or a bankruptcy filing (last resort). Call us the same day. The sooner we know the sale date, the more time we have to structure a solution that protects your equity and credit.

Nothing upfront and no obligation for the initial consultation, valuation, and strategy call. DomoNova charges a $375 administrative fee due when the transaction formally begins. The negotiated sales commission for the eXp Listing Agent is paid at the time of sale; the amount is part of the sales expenses itemized on the Net Sheet. In most short sales, the lender pays the commission out of the payoff.