Prefer to Talk Right Away?
321-510-6555
Behind on Mortgage Payments?
Since 2009, we have helped 1500+ homeowners just like you.
We are licensed professionals who specialize in helping homeowners avoid forclosure.
Don't Wait Until It's Too Late
Every week that passes, your options shrink and the consequences grow. Acting now could mean the difference between:
1. Fewer Oprions Avaiable
The closer you get to a foreclosure date, the fewer solutions we can negotiate with your lender.
2. Credit Damage Gets Worse
A completed foreclosure can stay on your credit for up to 7 years, making it harder to buy or rent a home.
3. Loss of Relocation Assistance
Many lenders offer “cash for keys” or relocation assistance programs — but only if action is taken before the foreclosure is finalized.
4. Risk of Losing Equity
If you have equity, waiting could mean losing the chance to sell and walk away with cash in your pocket.
5. Eviction & Legal Consequences
Once the foreclosure is finalized, the bank can pursue eviction. In some cases, lenders may even pursue deficiency judgments (depending on state laws).
6. Stress & Uncertainty
The longer you wait, the more stressful the process becomes. Acting early puts you back in control.
Every day counts -
act before it's too late.
Here's How It Works:
STEP #1
Provide Your Information
Just your name, phone number and address
— that's all we need.
STEP #2
We Analyze Your Equity Situation
We review your property, loan balance, and market value to show you exactly how much equity you have — or don’t.
Your information is always private and confidential.
STEP #3
Get Your Best Options Review
Based on your equity situation, we’ll explain your best path — whether that means selling with cash left over, pursuing a short sale, or another solution to help you avoid foreclosure, or another solution that protects you. No cost.
Get Your Free Options Review
Fill out this short form and one of our licensed specialists will call you within 24 hours.
100% Secure & Confidential
Meet Your Specialist
RH Richards
"Thank you for trusting Agent Offer. I started this company to help as many homeowners as possible avoid foreclosure — one family at a time, with empathy.”
That's a promise.
I know what foreclosure feels like. I've been there too. That's why my goal is to treat every situation as if it were my own - and to do everything I can to help you."
Licensed Real Estate Professional
Certified Distressed Property Expert (CDPE)
Help over 1500 families with real estate solutions
700+ foreclosure & short-sale solutions delivered
Alternatives to Foreclosure
OPTION #1: SELL YOUR HOME (Best Option If You Have Equity)
If your home is worth more than you owe, you can sell it and walk away with cash. This is often the cleanest solution—you pay off your mortgage, avoid foreclosure entirely, and keep any remaining proceeds. You maintain control of the process and protect your credit. A qualified real estate agent can help you sell quickly and maximize your return.
OPTION #2: SHORT-SALE (If You Owe More Than Your Home Is Worth)
When you owe more than your home's current value, a short sale allows you to sell for less than the mortgage balance with lender approval. Your real estate professional negotiates with the lender on your behalf. No out-of-pocket costs to you, and significantly less impact on your credit than foreclosure.
OPTION #3: LOAN MODIFICATION
Your lender adjusts your mortgage terms—often the interest rate, payment amount, or loan duration. Requires an application and approval process. Keep in mind that many modified loans end up in default again, so this works best if your financial situation has genuinely improved.
OPTION #4: REFINANCE
Apply for a new mortgage to replace your current one. You'll need to qualify and may need a down payment. Most practical when you have equity and your financial situation has stabilized. Interest rates may be higher due to your default history.
OPTION #5: REINSTATEMENT
Pay all missed payments, late fees, and attorney fees in one lump sum. Your loan continues under the original terms. This works if you've come into money and can afford to catch up completely.
OPTION #6: FOREBEARANCE AGREEMENT
Your lender creates a repayment plan or adds missed payments to the end of your loan. May require proof that you can resume regular payments. This is a temporary solution that works best for short-term financial hardships.
OPTION #7: DEED IN LIEU FORECLOSURE
You voluntarily transfer ownership to the lender. Lenders typically require the property to be well-maintained with current taxes paid. This avoids foreclosure but you lose your home and any equity.
OPTION #8: BANKRUPTCY
Legal protection through debt reorganization or liquidation. Can be costly and affects your credit for several years. Consider this only after exploring all other options. We can refer you to a qualified bankruptcy attorney if needed.
OPTION #9: FORECLOSURE DEFENSE
Hiring an attorney to delay the auction. While this buys time, it's expensive and typically only postpones the inevitable without resolving the underlying issue.
OPTION #10: DO NOTHING (Foreclosure)
Without action, your home will be sold at foreclosure auction. This severely damages your credit and appears on future loan applications, potentially affecting your ability to borrow for 7+ years.
***Bottom Line: If you have equity in your home, selling is usually your best option. You avoid foreclosure, protect your credit, and walk away with money in your pocket. Even if you owe more than your home is worth, a short sale is far better than foreclosure.***
Real Stories. Real Results.
Kenneth T.
My house needed a lot of repairs and was not worth what I owed. I couldn’t continue paying because of health reasons. The LMS team did a great job talking to my lender and getting me out of my mortgage. THANK YOU!!!
Miguel & Maria P.
As real estate agents, we know how tough these listings can be. Communicating with the lender is the key, and the LMS team is the very best at getting the best solution. Our success is because of them, period.
Loretta D.
When I lost my job, I was scared of getting kicked out of my house. With these guys’ help, I was able to stay in my home, and they even got my lender to give me $10,000 in relocation assistance. It was a miracle.
Frequently Asked Questions
Does this cost me anything?
No. Our consultation is completely free. We'll review your situation, analyze your equity, and explain your options at no costs with no obligation.
Does every homeowner qualify for help??
Not always. Programs depend on your lender, equity, and loan status. That’s why it’s critical to find out early — the sooner we review your eligibility, the more solutions may be available.
Will this hurt my credit?
No. Simply talking to us and learning your options will not affect your credit. In fact, certain solutions (like a short sale) may reduce the long-term impact compared to foreclosure.
How quickly can you help me?
Once you fill out the form, one of our specialists will call you within 24 hours. If you have an active foreclosure date, we can move quickly to help you explore immediate options.
What if I already received a foreclosure notice?
You still have options. The sooner you act, the more solutions may be available to you. Even with a foreclosure date scheduled, we may be able to help you stop or delay the process.
What happens if I sell my house?
Selling may be the best way to protect your credit, avoid foreclosure, and move forward with peace of mind. If you have equity, you could walk away with cash left over after your loan is paid. If you don’t, we can often negotiate a short sale to relieve you of the debt.
Why should I trust you with my information?
We are licensed real estate professionals with years of experience helping homeowners avoid foreclosure. Your information is always private and confidential — and we’ll never share it without your permission.
Contact Information
Address
151 Southhall Lane Ste 230
Maitland, FL 32751
Phone Number:
321-510-6555
