No judgment, just options. If you own a home in Bradenton and you've fallen behind on the mortgage, that's where every conversation with me starts. How you got here doesn't need explaining. What matters is understanding the choices in front of you so you can pick the one that fits your life. One ... Continue Reading » about Can I Rent Out My House Instead of Selling If I’m Behind on My Mortgage? | Bradenton, FL
Foreclosure
Should I Sell to a Cash Buyer or List With an Agent Before Foreclosure?
Selling to a cash buyer is usually faster, and listing with an agent usually brings a higher price. A cash investor can often close in days with no showings, no repairs and no loan approval to wait on, but that speed typically comes with an offer well below market value. Listing takes a little ... Continue Reading » about Should I Sell to a Cash Buyer or List With an Agent Before Foreclosure?
How Long Does Foreclosure Take in Florida?
Florida foreclosure is a court process, which is why its length is set by the court, and by how the homeowner responds, rather than by a fixed clock. From a first missed payment, a Florida foreclosure commonly takes between six months and two years, and sometimes longer. The sequence runs through a ... Continue Reading » about How Long Does Foreclosure Take in Florida?
The Foreclosure Fairy Tale
There is a lot of misinformation out there. I would not be surprised to find out that you have heard that a foreclosure is sometimes the best option for you. In my experience, that's rarely the case. For many homeowners who are in danger of losing their homes, a short sale can be a much better ... Continue Reading » about The Foreclosure Fairy Tale
Can I Stay in My House During a Florida Foreclosure?
In Florida, a homeowner generally can stay in the house through the foreclosure process. Florida foreclosure is judicial, which means it runs through the court system, and ownership does not change hands until three things happen in order: a final judgment of foreclosure is entered, a foreclosure ... Continue Reading » about Can I Stay in My House During a Florida Foreclosure?
What Should I Write in a Mortgage Hardship Letter? | Palmetto, FL Homeowner Guide
No judgment, just options. That is my promise before we talk about anything else. If your lender or a housing counselor has asked you for a “hardship letter,” you are probably staring at a blank page wondering how much to say, how to say it, and whether one letter could make things ... Continue Reading » about What Should I Write in a Mortgage Hardship Letter? | Palmetto, FL Homeowner Guide