Free Florida Foreclosure Help From a Licensed REALTOR®
You'll talk to a licensed Florida REALTOR®, not a call center. Barrett Henry is a Broker Associate with 23+ years of real estate experience, based in Tampa Bay.
- Licensed REALTOR®
- 23+ Years Experience
- Tampa Bay Based
- Confidential Consultation
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No cost, no obligation, confidential. No pressure to sell.
How to Stop a Foreclosure in Florida
You have several legal options to stop foreclosure in Florida: filing a response to the lis pendens, requesting a loan modification, listing for a short sale, negotiating a deed in lieu of foreclosure, filing for bankruptcy protection, or selling your home before the auction date. The sooner you act after receiving a lis pendens notice, the more options you have. Barrett Henry and the Florida Foreclosure Help team can walk you through every option at no cost.
What’s Happening With Your Home?
I Got a Lis Pendens
A foreclosure lawsuit has been filed. We can help you review your options.
Learn About Lis PendensI'm Behind on Payments
Falling behind doesn't mean you'll lose your home. Let's evaluate your options.
See Your OptionsThinking About Bankruptcy
Bankruptcy can delay foreclosure, but understand the trade-offs first.
Learn MoreWhat Are Your Florida Foreclosure Options?
According to the Florida Courts, the state uses a judicial foreclosure process, meaning every case goes through the court system. This gives homeowners more time and more options than non-judicial states. Below are the most common paths available to Florida homeowners facing foreclosure.
- Loan Modification — Work with your lender to restructure your mortgage terms, potentially lowering your monthly payment, interest rate, or extending the loan period. According to the CFPB, you have the right to request a modification at any point before the sale.
- Short Sale — Sell your home for less than the remaining mortgage balance with your lender's approval. Short sales typically cause less credit damage than a completed foreclosure.
- Deed in Lieu — Voluntarily transfer your property to the lender in exchange for release from your mortgage obligation. This avoids the full court process.
- Sell Before Auction — If you have equity, selling your home on the open market pays off the mortgage and protects your credit score entirely.
- Bankruptcy Protection — Filing Chapter 7 or Chapter 13 triggers an automatic stay that temporarily halts the foreclosure process, giving you time to reorganize.
- Forbearance — Your lender may agree to temporarily reduce or pause payments while you recover from a financial hardship, without starting formal foreclosure proceedings.
Barrett Henry evaluates every option with you at no cost to determine the best path for your specific situation.
Who Will You Talk to About Your Foreclosure?
You'll talk directly to Barrett Henry — a licensed Florida REALTOR® and Broker Associate with 23+ years of experience.
Barrett lives in Tampa Bay. He works directly with homeowners in Hillsborough, Pinellas, Pasco, Polk, Manatee, Sarasota, Citrus, and Hernando counties. Your first conversation is free, confidential, and zero pressure.
As a REMAX Collective Broker Associate, Barrett has guided hundreds of homeowners through difficult real estate situations including short sales, loan modifications, and pre-foreclosure sales. He holds the Certified Real Estate (CRE), e-PRO, Military Relocation Professional (MRP), and Seller Representative Specialist (SRS) designations.
- Licensed since 2003
- Broker Associate
- Tampa Bay Focus
What Happens After You Contact Us?
- 1
Tell Us What Happened
You explain your situation. We listen first, without pressure.
- 2
We Map Your Best Options
We review your timeline, equity, and goals and map realistic options.
- 3
You Move Forward With a Plan
You choose the path that makes sense for your finances and family.
What Homeowners Say About Florida Foreclosure Help
“I was three months behind on my mortgage and had no idea where to start. Barrett explained every option in plain English, helped me understand the foreclosure timeline, and we ended up doing a short sale that saved my credit. I never felt pressured to do anything I wasn't comfortable with.”
Florida Foreclosure Resources
Authoritative sources to help you understand your rights and options.
Common Questions About Foreclosure in Florida
- How long does foreclosure take in Florida?
- Florida is a judicial foreclosure state, meaning every case goes through the court system. The typical timeline is 8 to 14 months from the initial lis pendens filing to the final auction, though contested cases can take longer. This timeline gives homeowners significant opportunity to explore alternatives.
- What is a lis pendens in Florida?
- A lis pendens is a legal notice filed with the county clerk that a foreclosure lawsuit has been initiated against a property. It serves as public notice that the property's title is in dispute. Receiving a lis pendens does not mean you will lose your home — it means the legal process has started and you should act quickly.
- Can I sell my house during foreclosure?
- Yes, you can sell your home at any point before the foreclosure auction is finalized. If you have equity, a traditional sale can pay off your mortgage and protect your credit. If you owe more than the home is worth, a short sale may be an option with your lender's approval.
- What is a short sale and how does it work?
- A short sale is when your lender agrees to accept less than the full mortgage balance as payment in full. You sell the home on the open market, and the lender forgives the remaining balance. Short sales typically cause less credit damage than a foreclosure and may allow you to purchase another home sooner.
- Will foreclosure affect my credit score?
- Yes, a foreclosure can reduce your credit score by 100 to 160 points and remains on your credit report for seven years. However, alternatives like loan modifications, short sales, or deed in lieu arrangements typically have less severe credit impacts and shorter recovery periods.
- What is a deed in lieu of foreclosure?
- A deed in lieu of foreclosure is when you voluntarily transfer ownership of your property to your lender in exchange for release from your mortgage obligation. It avoids the court process, is faster than foreclosure, and may have a less severe impact on your credit score.
- Can I get my house back after foreclosure in Florida?
- Florida does not have a statutory right of redemption after a foreclosure sale is confirmed by the court. However, you can redeem the property (pay the full amount owed) at any time before the clerk issues the certificate of sale. Once the sale is confirmed, the new owner takes title.
- How much does it cost to get foreclosure help?
- Barrett Henry offers free initial consultations to every homeowner facing foreclosure. There is no upfront cost to discuss your situation and explore your options. If you choose to sell (short sale or traditional), standard real estate commission applies and is typically paid from the transaction proceeds — not out of your pocket.
- How to stop a foreclosure in Florida step by step?
- First, review the lis pendens notice and note all deadlines. Second, contact a licensed Florida REALTOR or HUD-approved housing counselor for a free consultation. Third, evaluate your options: loan modification, short sale, deed in lieu, bankruptcy, or selling before auction. Fourth, choose the path that best protects your equity and credit. Barrett Henry walks homeowners through every step at no cost.