Citrus County is the Nature Coast gem of the Tampa Bay region. Home to Crystal River, the manatee capital of the world, and the historic town of Inverness, this county attracts retirees, outdoor enthusiasts, and families looking for a quieter pace of life. But quieter does not mean immune to financial hardship. Citrus County homeowners face foreclosure just like anywhere else in Florida — and they deserve the same quality help.
If you are behind on your mortgage in Citrus County, I want to help. I am Barrett Henry, a Florida Broker Associate with 23+ years of real estate experience, and I offer free foreclosure guidance to homeowners across the county.
Citrus County's Unique Housing Challenges
Citrus County has one of the highest percentages of residents over age 65 in the state. Many homeowners are on fixed incomes — Social Security, pensions, or retirement savings — that have not kept pace with the dramatic increases in property insurance, flood insurance, and property taxes over the past few years.
The county's housing stock also tends to be older. Homes built in the 1970s, 1980s, and 1990s are now reaching the age where roofs, HVAC systems, and plumbing need major replacement. When a retiree on a fixed income gets hit with a $15,000 roof bill on top of an insurance premium that just doubled, the mortgage payment becomes the thing that gets sacrificed. It is a cycle that leads good people into foreclosure.
The Foreclosure Process in Citrus County
Foreclosure cases in Citrus County are filed at the Citrus County Courthouse at 110 N Apopka Ave in Inverness. Florida's judicial process applies here: your lender files a lawsuit, you receive a summons and have 20 days to respond, and the case works through the circuit court over a period of months. This timeline is your window to explore every alternative.
Options for Citrus County Homeowners
- Loan modification — Reduce your payment to match your fixed income.
- Short sale — Sell the home for less than you owe and avoid a foreclosure judgment.
- Traditional sale — Many Citrus County homeowners have equity. Selling on the open market protects your credit and lets you keep the proceeds.
- Reverse mortgage counseling — For homeowners 62 and older with significant equity, a reverse mortgage may eliminate your monthly payment entirely. I can connect you with a HUD-approved counselor.
- Bankruptcy — Chapter 13 stops foreclosure and lets you restructure your debts.
Get Free Help in Citrus County
You do not have to navigate this alone. I help homeowners in Inverness, Crystal River, Homosassa, Lecanto, Beverly Hills, and every community across Citrus County. The consultation is free, confidential, and pressure-free.
Get your free consultation or call (813) 733-7907. I have helped homeowners through situations just like yours, and I am ready to help you too.