Serving Orlando, Kissimmee & Saint Cloud

Stop The Foreclosure Process On Your Home.
Eliminate The Stress.
Salvage Your Credit.

We specialize in helping our clients to stop foreclosureWe understand that there are many reasons why homeowners sometimes are unable to pay their mortgages and every situation is unique. We take the time to meet with our clients and explain all of their options to stop foreclosure.  We help you determine if you can Keep Your Home or if you have to Sell Your Home to avoid foreclosure.

Short Sales, Preforeclosure & Foreclosures

What is a Short Sale? 

A Short Sale occurs when a fnancially insolvent homeowner who is facing foreclosure sells his home for less than the value of his loan.  The lender accepts the sale as payment in full for the loan.  This helps the homeowner to avoid foreclosure and the tremendous hit to their credit rating.  Short sales take time, attention to detail and an understanding of property owner and lender options.

Your Short Sale & Foreclosure Specialist will begin asking you for documents, records, expenses and information necessary to complete the lender proposal.   The more information and communication, the better opportunity for results.

8 Steps to a Short Sale:  (1) Gather Information, (2) Open Communication, (3) Develop the Proposal, (4) List the Home, (5) Obtain an Offer, (6) Submit a Proposal, (7) Negotiate the Deal, (8) Close the Deal.

What is Foreclosure?

A legal process in which a lender takes the title or forces the sale of a property as a result of the borrower’s failure to comply with ther terms and conditions of the mortgage.

3 Phases of Foreclosure:  Phase 1: Preforclosure (Private)  Phase 2: Public Auction (Public)  Phase 3: Real Estate Owned or REO (Private)

What is the Foreclosure Timeline?

·         Preforclosure begins the day that you are late with your mortgage payment and late charges begin accruing. 

·         Lender sends notice of default (around 45 days)

·         Notice of Intent to Foreclose Publicized (around 90 days)

·         Auction (around 150+ days)/Real Estate Owned

·         Redemption Period: from the time the property sold at auction until the clerk files the paperwork.

Foreclosures cost the lender time and Money.  Between legal fees, possible eviction costs, taxes, insurance, maintenance, HOA fees and selling costs, a foreclosure can cost a lender 40K or over.  Lenders do NOT want to OWN.

Other alternatives are available and a Short Sale & Foreclosure Specialist can guide you through them.   During your marketing presentation, ask your Specialist for details.  Your Short Sale & Foreclosure Specialist will need to determine if the seller/homeonwer is a quailfied short sale canidate.   Four key criteria must be met.  The are: (1) Demonstrates Hardship, (2) Financially Insolvent, (3) Market Pricing, (4) Cooperative. 

Avoid Losing Your House Through Foreclosure. The Clock Is Ticking So Get Started Now.


The longer you wait, the harder it is for us to help.


If your house payments are more than a month behind, your lender has probably already started foreclosure proceedings.  As time passes thousands of dollars in penalties and legal fees can be added to the balance you owe. And every single day extra interest is added!

Call Today  For a No Cost ( Free ) No Obligation

Consultation & Ask to Speak with

Julio M. Morales


Short Sale, Pre-Foreclosure and Foreclosure Evaluation

For a confidential marketing presentation and consult, please complete the form below, or call me Julio M. Morales at Century 21 Diamond Properties at 407-846-1114.  One of our Short Sale & Foreclosure Specialist will contact you to review the 8 Steps and timeline referenced above.To see what are your options. 

Please complete and submit the following Online Home Evaluation form. The more information given, the more accurate the evaluation. All information you provide is secure and will be kept strictly confidential.

First Name: 
Last Name: 
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Year Built: 
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(e.g. age of carpet & lino, type of kitchen cabinets, property backs park, major renovations in recent years)
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