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Are you behind on your mortgage and unsure of what to do?
Don't worry, you have come to the right place.


You are not alone.

Over a decade ago, I myself, like many other, was in a similar situation and paralyzed about what to do. I was not a Realtor® at the time, but it was a Realtor® friend that helped me through this very difficult and stressful situation. Now that I am a Realtor®, I am here to empower you and help you exit this difficult situation with your head held high, so you can begin the next chapter of your life in peace.

Help in hard time

Desiree's Story

Coming soon! Thank you for your patience while I put together my story to share it with you.
If you need immediate help or just have questions, you can call or text me right now at 954-993-4246. 
Si necesita ayuda inmediata o simplemente tiene preguntas, puede llamarme o enviarme un mensaje de texto ahora mismo al 954-993-4246.

Why is it important to avoid foreclosure ?

Foreclosure may result in one or more of the following, negative, long term consequences :

1.) Deficiency Judgement Against You

2.) Tax Consequences

3.) Job loss or prevent you from future job opportunities

4.) Make you ineligible for certain loans


By avoiding foreclosure, you protect your future. 


Types of Foreclosure Avoidance Options

Foreclosure avoidance falls into two major categories :

1.) Options that all you to stay or keep your house

2.) Options that allow you to exit your mortgage gracefully without a foreclosure on your credit

First and foremost let’s explore options that will allow you to stay in your house as that is the ideal solution. 

Happy family taking selfie in their house
Finding ways to stay in your home is the ideal solution.

Options for staying in your home :

Nobody wants to be foreclosed on and forced to leave their home, so consider these options for staying in your home :

1.) Loan reinstatement 

2.) Forbearance or Re-Payment Plan

3.) Refinance

4.) Loan Modification

5.) Rent Rooms or Rent Your House

Loan reinstatement – Reinstatement of the loan requires that you pay back all past due payments.  Some of the ways you can do this is by borrowing money from friends or family, take money out of your retirement or children’s college fund, liquidate other assets or work an additional job or jobs. Any money you use or divert and put into your home will be well spent because it is an appreciating asset. In other words, you are putting your money into an investment that will most likely hold its value and grow to be worth more in the future. 

Forebearance or Re-Payment – If you have faced a temporary hardship a forbearance plan that allows you to re-pay missed payments may be the right option for you. To explore this option, contact your lender. The lender must approve the forbearance plan. Depending on the forbearance plan offered by your lender, your mortgage may not be reinstated until all missed payments have been paid back.

Refinancing – This solution is viable if you have equity in your home and a good credit score. Refinancing provides temporary relief and is not a long term solution so be sure to be working on other options if you choose to refinance. 

Loan Modification – Modifying your loan may allow you to reduce your monthly payments and/or extend your re-payment period. This option requires that you have an income that will allow you to qualify for the loan modification. It may not be a viable option if your financial situation has not improved. 

Rent Rooms or Rent Your House – Depending on the size of your house or the community you live in, you may want to consider taking on short-term boarders or long-term roommates to help supplement your income. This would mean sharing your home  but if you can reasonably do it and live with it, this could be a means of keeping up with your mortgage payments and staying in your home. 

Renting your house and going to live with family or friends for some time may be a means to keep your home while not necessarily being in it the whole time. It is not the ideal solution, but if it helps you keep the home, then leaving for a little while may be worth the sacrifice. 

If none of these options are viable, there are still more options available to you. So please, read on… 

Happy family on vacation in the mountains
Once you have exited the foreclosure process, you can enjoy life again!

Options that allow you to exit your mortgage and avoid foreclosure :

If a Lis Pendens or foreclosure action has been filed against you but your sale date has not passed, you still have options for avoiding foreclosure and moving on with your life. As someone who has been there,  I assure you that it may be an end, but it is also a new beginning.  The two options you have at this point are to :
1.) Sell Your House

2.) Short Sell Your House

Sell Your House – If you have equity in your house you can just put it up for sale and walk away. Take this option as early as you can in the foreclosure process so the fees and court costs don’t eat into your equity. You can take the equity you have left over and either downsize or relocate to a home that is more affordable. 

Short Sell Your House – If you DO NOT have equity in your house you can still put it up for sale. The process for selling a house in which you owe more than the house is worth is called a short sale   and it is a little different than a regular sale. A short sale will still impact your credit but not as much as a foreclosure would. In addition, when you short sell your house you may be able to avoid deficiency judgements, to get a moving allowance from the bank and avoid other negative consequences that come with for a foreclosure. 

In order to qualify for a short sale you must be facing a financial hardship, be insolvent (broke) and owe more to the bank than your house is worth. 

Do you have questions that need to be answered immediately? Give me a call or text me at 954-993-4246, email me at, click on the button below to fill out a contact form or if you have WhatsApp Click on the WhatsApp logo on the bottom right part of the screen to contact me immediately via WhatsApp. 




As a Pricing Strategy Advisor (PSA) certification I have been trained in pricing properties, creating CMAs (Comparable Market Analysis), working with appraisers, and guiding clients through the anxieties and misperceptions they often have about home values.


The Seller Representative Specialist (SRS) Designation is the premier credential for Realtors® that represent sellers. seller As an SRS I bring the highest of professional standards to listing and selling properties while at the same time catering to your specific needs.


As a Short Sale and Foreclosure Resource training allows me to help owners of distressed properties evaluate their situation and consider the options available to them. With this knowledge they can make informed decisions about how to best move forward.


Commitment to Excellence (C2EX) is a high level endorsement granted by the National Association of REALTORS® to REALTORS® that offer a high level of professionalism and that are committed to excellence in all aspects of their practice. I am proud to be C2EX endorsed!

MY Certifications and Designations as a realtor®

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