Sell Your House to Avoid Foreclosure in Florida
The clock is ticking. Florida's foreclosure process takes 200-300 days. Once it starts, it doesn't stop. A foreclosure on your credit report stays there for 7 years. We can buy your house and close in 7-60 days, helping you avoid that black mark entirely.
Get My Cash Offer
Us vs. Franchises: What's the Difference?
| Factor | FL Home Buyers | Franchises |
|---|---|---|
| Negotiation | Yes, we negotiate | Fixed pricing |
| Fair Price | Market-based offers | Lowball offers |
| Local Knowledge | Florida-focused | National chain |
| Flexibility | Custom solutions | One-size-fits-all |
How to Know We're Legit
Worried about scams? Here's how to verify we're the real deal:
Proof of Funds
We can show proof of funds. Ask us. Real buyers have real money.
Local Office
We're based in Palm Beach Gardens, FL. You can visit our office.
BBB A+ Accredited
Check our BBB rating. We're A+ accredited. That means something.
Licensed General Contractor
We're licensed. You can verify our license with the state.
The Foreclosure Clock is Ticking
In Florida, once a foreclosure judgment is entered, the sale date often lands 30-60 days out. Waiting too long can shrink your options. The sooner you act, the more control you have. A foreclosure on your credit report stays there for 7 years.
Why Selling to Us Beats Foreclosure
Protect Your Credit
A foreclosure stays on your credit report for 7 years. Selling to us before foreclosure helps you avoid that black mark entirely. Your credit score takes a smaller hit. You can recover faster.
Fast Closing
We can close in 7-60 days. Florida's foreclosure process takes 200-300 days. We can close well before the foreclosure. You get cash. You move on. No waiting.
Save Your Equity
If you have equity in your home, selling to us lets you keep it. In foreclosure, you may lose everything. The bank takes the house. You get nothing. Selling gives you cash to start over.
No Deficiency Judgment
If you owe more than the house is worth, selling to us can help you avoid a deficiency judgment. That's when the bank sues you for the difference. It can follow you for years. We can help structure the sale to minimize or avoid it.
How We Handle Foreclosure
Here's how we can help:
- We assess your situation. We look at your house. We check what you owe. We figure out what it's worth. We give you a real number. No fluff. No games.
- We work with title companies that specialize in handling mortgage payoffs and foreclosure situations. They know the process. They can help negotiate with your lender.
- We can close in 7-60 days—well before most foreclosures finalize. You get cash. You move on. The foreclosure stops.
- By selling before foreclosure, you avoid the credit damage. Your credit score takes a smaller hit. You can recover faster. You can buy another house sooner.
- If you owe more than the house is worth, we can help structure the sale to minimize or avoid deficiency judgments. We work with your lender to find solutions.
Want to learn more? Check out how it works or read our blog post about selling fast in Florida.
Real Example
A homeowner in West Palm Beach was 4 months behind on payments. The foreclosure lawsuit was filed. The house was worth $350,000. They owed $320,000. We bought it for $330,000. We paid off the mortgage. They walked away with $10,000 in cash. Plus they avoided the foreclosure on their credit. They closed in 21 days. Well before the foreclosure would have been finalized. They got a fresh start. Their credit took a smaller hit. They could recover faster.
Common Questions About Selling Your House
How long does foreclosure take in Florida?
Florida is a judicial foreclosure state. The process takes 200-300 days from when the lawsuit is filed—and that's after months of missed payments. The whole thing can drag on for a year or more.
What happens to my mortgage when I sell?
When you sell to us, we pay off your mortgage at closing. The title company handles it. You don't have to deal with the lender directly. If you have equity, you get it. If you don't, we work with your lender to structure the sale.
What's a deficiency judgment?
If you owe more than the house is worth, the bank can sue you for the difference. That's a deficiency judgment. It can follow you for years. We can help structure the sale to minimize or avoid it. We work with your lender to find solutions.
How does selling affect my credit vs. foreclosure?
A foreclosure stays on your credit report for 7 years. It's a black mark that follows you everywhere. Selling before foreclosure helps you avoid that black mark. Your credit takes a smaller hit. You can recover faster.
Can I still sell if the foreclosure lawsuit is already filed?
Yes. You can sell right up until the foreclosure sale happens. The sooner you act, the more control you have. We can close in 7-60 days—usually well before the foreclosure would finalize. We specialize in these situations.
What if I have multiple liens on the property?
We work with title companies that can handle multiple liens. They negotiate with all lienholders. We deduct the amount owed and structure the sale to minimize your liability.
Do I need to make repairs before selling?
No. We buy houses as-is. You don't need to fix anything. You don't need to clean. You don't need to stage. We take the house exactly as it is. That saves you time and money when you're already dealing with foreclosure.
How quickly can you close?
We can close in 7-60 days. It depends on your situation. If the foreclosure lawsuit is already filed, we might need to work faster. We work with title companies that specialize in these situations. They know how to move quickly.
What are your fees?
We don't charge fees. No commissions. No closing costs. No junk fees. The price we offer is the price you get. The only costs are standard title and escrow fees, which are usually paid by the buyer (us) or split. We'll explain everything upfront.
How Can I Sell My House Fast For Cash?
The fastest route is selling to a cash buyer or investor. Unlike traditional buyers who need 30-45 days for mortgage approval, cash buyers like FL Home Buyers have the funds ready. We can typically close in 7 days, or on your specific timeline, because we skip the appraisals and bank inspections.
What is the 3-3-3 Rule in Real Estate?
The 3-3-3 rule is a general timeline expectation: 3 days to respond to an offer, 3 weeks for inspections and financing approval, and 3 months to close. When you sell to us, we break this rule—we can often offer in 24 hours and close in as little as 7 days.
What is the commission on a $500,000 house?
In a traditional sale, you typically pay 6% in agent commissions. On a $500k house, that is $30,000 directly out of your pocket, plus closing costs. When selling to FL Home Buyers, you pay zero commissions and we cover the closing costs.
What is the 20% rule in house flipping?
Investors often aim for a profit margin of around 20% after repairs to account for market risk. This helps determine the Maximum Allowable Offer (MAO). We are transparent about our numbers—we factor in repairs and a fair margin, often beating national franchise offers because we are local.
What is the 7% rule in real estate?
The 7% rule suggests that closing costs, commissions, and fees will eat up about 7% to 10% of your final sale price. If you sell to a cash buyer, you avoid the bulk of this 7% loss since there are no agent fees and we pay the closing costs.
What is the hardest month to sell a house?
Historically, December and January are the hardest months to sell due to the holidays and buyers waiting for the new year. However, we buy houses year-round, even during the holidays, so you don't have to wait for the 'spring market.'
What is considered a lowball offer?
A lowball offer is typically 25% or more below the fair market value (considering the home's condition). We don't lowball. We provide a fair cash offer based on the After Repair Value (ARV) minus the actual costs of construction and code compliance.
Don't Wait—Act Now
The longer you wait, the less time you have. Get a cash offer today and protect your credit.
Get Your Cash Offer
Tell us about your property. We'll give you a real number and help you avoid foreclosure.