Your Situation Has Options.
Many South Florida homeowners in difficult mortgage, insurance, or HOA situations discover they have more paths forward than they realized. We evaluate your specific situation and present what's actually possible.
Free consultation. No obligation. Backed by licensed Florida real estate professionals.
Get Your Free Property EvaluationThe South Florida situation in 2026.
Broward County homes has a foreclosure filing, the highest rate in the tri-county region. Up 24.6% year over year.
Palm Beach County homes, up 34.2% year over year, the steepest increase in Florida.
Where most buyers offer one approach, we evaluate which of five options fits your specific situation.
Foreclosure filing data: ATTOM, Q1 2026. Strategy count reflects Fletcher / Maurmic Enterprises purchase methods.
Five situations where a traditional sale isn't the right path.
Florida's housing market in 2026 is creating pressure that the conventional MLS process was not built for. A traditional sale takes 90 to 180 days, costs 6 to 8% in commissions and closing costs, requires the property to be in saleable condition, and only works if what you owe can be covered by what the market will pay. When any of those conditions breaks down, there is another way.
Insurance and HOA costs have made ownership unaffordable.
Florida property insurance has increased 30 to 50% in two years. Post-Surfside condo reserve requirements have triggered special assessments of $25,000 to $100,000 or more in some buildings. Some homeowners have equity but cannot sustain the monthly cost of keeping the property.
The home is worth less than what is owed on it.
FHA and VA borrowers who purchased at the 2020 to 2022 price peak in South Florida often find themselves in this position. A traditional sale produces a shortfall at closing. Most people in this situation believe they are out of options. Often they are not.
A foreclosure notice has been received or is expected.
Once a foreclosure notice arrives, the timeline compresses. In Florida, the judicial foreclosure process can take 6 to 24 months from filing to sale, but each stage reduces the options available to the homeowner. The earlier an evaluation happens, the more strategies remain on the table.
A lien or special assessment blocks a traditional closing.
HOA liens, code violations, unpaid assessments, and title complications all appear at closing and can kill a traditional sale. Many homeowners discover these issues only after going under contract. We identify them before they become a problem.
A life change requires a faster exit than the market allows.
Divorce, job relocation, medical expense, or estate settlement rarely wait 4 to 6 months for a traditional sale to close. When the timeline does not match the market timeline, there is usually a structured solution that can.
"If your situation fits one of these, you have more options than the traditional path suggests."
The Process
How an evaluation actually works.
Tell us about your property and situation.
A short qualifying survey. Your county, property type, what is happening, and how urgent the timeline is. This takes about 90 seconds. Everything you share is confidential and protected by attorney-client privilege through our relationship with Diaz & Associates, P.A.
A licensed professional reviews your situation within one business day.
Not an AI form processor. A licensed Florida real estate professional backed by a licensed law firm. They review your specific information before reaching out to you, so the first conversation is already informed by your situation.
We present the realistic options for your property.
Depending on your mortgage balance, property condition, HOA status, and timeline, there may be one option, or several. We explain each one plainly: what it involves, what you walk away with, what it does to your credit, and how long it takes.
You decide whether you want to move forward. Nothing is required.
If the option we present works for your situation, we proceed on a timeline that fits you. If it does not, you leave the consultation with a clear picture of your options that you did not have before. Free. No obligation. No pressure.
Free for homeowners. Our fee is paid by the transaction when a purchase is completed, if and only if the situation qualifies. No upfront costs, no application fees, no retainers.
Why Not Just List With an Agent?
Florida Foreclosure Buyers versus the alternatives.
What you actually get, depending on your situation.
| What matters to you |
Florida Foreclosure Buyers
|
Traditional MLS Agent | Generic Cash Buyer |
|---|---|---|---|
| Works if you owe more than it's worth | Yes. We evaluate options. | Rarely. Shortfall kills the deal. | Sometimes (short sale takes months). |
| Works if you have a foreclosure notice | Yes. Timeline-sensitive options. | Usually not fast enough. | Sometimes, if equity exists. |
| Works if HOA lien or assessment blocks closing | Yes. We identify and address these. | No. Deal dies at closing. | Rarely. |
| Speed to resolution | Days to weeks, depending on situation. | 90 to 180+ days. | 7 to 30 days (if equity exists). |
| Commissions or fees to seller | None. We pay all closing costs. | 5 to 6% commission plus costs. | None (but price reflects it). |
| Legal and real estate backing | Yes. Diaz & Associates, P.A. | No legal backing. | No. |
| Multiple strategy options | Yes. Five approaches, evaluated per situation. | One approach: list and wait. | One approach: cash offer at a discount. |
| Free evaluation | Yes. No obligation. | Free estimate only, no evaluation. | Sometimes. Quality varies. |
Where We Work
South Florida. Three counties. Every situation.
We evaluate properties in Miami-Dade, Broward, and Palm Beach counties. If your property is outside these three, we will refer you to someone who can help.
Miami-Dade County
1 in every 1,084 units: foreclosure filing Q1 2026
Brickell, Coral Gables, Coconut Grove, Hialeah, Kendall, Doral, Homestead, Miami Gardens, Aventura, Miami Beach, North Miami, Opa-locka.
Broward County
1 in every 703 units, up 24.6% YoY
Fort Lauderdale, Hollywood, Pembroke Pines, Miramar, Lauderhill, Pompano Beach, Coral Springs, Deerfield Beach, Davie, Weston, Hallandale Beach, Margate.
Palm Beach County
1 in every 777 units, up 34.2% YoY
West Palm Beach, Boca Raton, Boynton Beach, Delray Beach, Lake Worth Beach, Wellington, Jupiter, Riviera Beach, Palm Beach Gardens, Greenacres.
We do not work outside our coverage area.
Every county has its own foreclosure timeline, property law, and lien structure. We know Miami-Dade, Broward, and Palm Beach inside out. If your property is elsewhere, we will connect you with someone who does.
Is This for You?
We evaluate some situations, not all of them.
We can likely help if:
- Your property is in Miami-Dade, Broward, or Palm Beach County.
- You are behind on mortgage payments, have received a foreclosure notice, or owe more than the property is worth.
- You cannot afford the carrying costs (insurance, HOA, taxes) even if you are current on the mortgage.
- You have an HOA lien, unpaid special assessment, or title issue that would complicate a traditional sale.
- You need to sell faster than a traditional MLS listing allows.
- You are open to learning what your realistic options are before deciding anything.
We likely cannot help if:
- The property is outside Miami-Dade, Broward, or Palm Beach County.
- You are looking for a traditional listing agent. We do not list properties on the MLS.
- The property has significant title fraud issues (stolen identity, forged deeds). Those require litigation we are not positioned for.
- You are not the owner of record or a legally authorized representative of the owner.
- You have already accepted an offer and are under contract with another buyer.
"If you are unsure, submit the form. We will tell you within one business day whether your situation falls within our scope."
Tell us about your situation.
Seven questions. About 90 seconds. A licensed real estate professional backed by Diaz & Associates, P.A. will contact you within one business day.
Common Questions
Questions homeowners ask before submitting.
No. The evaluation and consultation are entirely free. If we make an offer and you accept it, we pay all normal closing costs. You pay nothing out of pocket for our services.
A licensed Florida real estate professional reviews your submission and contacts you within one business day. The first call is a 15 to 30 minute evaluation, not a sales pitch. We ask questions, you ask questions, and we tell you honestly what we think is possible for your situation.
This is one of the most common situations we evaluate. Whether a solution exists depends on your lender, your loan type, how far behind you are, and several other factors. We evaluate each case individually. We will not promise a specific outcome, but we will tell you honestly what is and is not possible based on your actual numbers.
A notice is the beginning of a process, not the end of your options. In Florida, the judicial foreclosure process creates a window of time during which alternatives remain available. The earlier in that process we evaluate your situation, the more options typically remain open. Submit your information now and we will reach out within one business day.
Diaz & Associates, P.A. is a licensed Florida law firm with over 20 years of experience in real estate transactions. Their backing means the strategies we use are legally structured, not informal arrangements. For the homeowner, it means you are dealing with licensed professionals who are accountable under Florida law, not an anonymous LLC on a website.
The impact on your credit depends on which strategy applies to your situation. A short sale has a different credit outcome than a subject-to arrangement or a traditional cash sale. We explain the credit implications of each available option before you decide anything. We do not guarantee credit outcomes.
Yes. We evaluate properties regardless of condition: deferred maintenance, water damage, code violations, squatters, and other issues do not automatically disqualify a property. They may affect which strategies apply, but they do not close the door on an evaluation.
We evaluate that situation as well. Homeowners whose mortgage is technically current but whose carrying costs (insurance, HOA, taxes, maintenance) are unaffordable often have options that do not require the foreclosure process to have started. If you are paying your mortgage but cannot sustain the total cost of ownership, submit your information.
A free evaluation costs nothing and closes no doors.
South Florida homeowners who submit their information find out within one business day whether their situation has a path forward. Most discover they have at least one option they did not know existed.
Get Your Free Property EvaluationFree consultation. No obligation. Backed by Diaz & Associates, P.A.