PRE-FORECLOSURE PREVENTION
Behind on Your Mortgage?
You May Still Have Options.
Financial circumstances can change quickly. If you’ve missed a mortgage payment,
received a notice from your lender, or are concerned about falling behind,
taking action early may give you more time to understand your options.
received a notice from your lender, or are concerned about falling behind,
taking action early may give you more time to understand your options.
You don’t have to figure out what comes next alone. Start With Sunshine.
REQUEST A CONFIDENTIAL PROPERTY OPTIONS REVIEW
Private. Informational. No obligation.
EXPERIENCE MATTERS
When Your Home Is at Risk, You Need More Than a Typical Real Estate Conversation.
Sunshine Realty & Co. has helped homeowners navigate the complexities
of pre-foreclosure and short-sale situations, providing
real estate guidance, specialized knowledge and connections to appropriate
resources throughout the process.
of pre-foreclosure and short-sale situations, providing
real estate guidance, specialized knowledge and connections to appropriate
resources throughout the process.
Our team combines licensed real estate experience with specialized knowledge
in HUD housing counseling, short sales and pre-foreclosure situations.
We help homeowners better understand where they are, what options may warrant
consideration and who may need to be involved.
in HUD housing counseling, short sales and pre-foreclosure situations.
We help homeowners better understand where they are, what options may warrant
consideration and who may need to be involved.
You don’t have to determine who to call first. Start With Sunshine.
SPECIALIZED KNOWLEDGE
HUD-Certified Housing Counseling Expertise
Our team includes a HUD-Certified Housing Counselor with specialized
training in housing counseling, homeowner education and helping individuals
better understand housing-related challenges and available resources.
training in housing counseling, homeowner education and helping individuals
better understand housing-related challenges and available resources.
SPECIALIZED KNOWLEDGE
Short Sale & Foreclosure Resource Experience
Our team brings Short Sale & Foreclosure Resource (SFR®) knowledge
to situations where a traditional sale may not be sufficient and
lender involvement or approval may be required.
to situations where a traditional sale may not be sufficient and
lender involvement or approval may be required.
PROVEN EXPERIENCE
Helping Homeowners Navigate Pre-Foreclosure & Short Sales
Sunshine Realty & Co. has helped homeowners navigate through
pre-foreclosure and short-sale situations. We understand that these
circumstances can involve important timelines, lender requirements,
property considerations and difficult decisions. Our role is to help
bring clarity to the process, coordinate appropriate resources and
help homeowners move toward an informed next step.
pre-foreclosure and short-sale situations. We understand that these
circumstances can involve important timelines, lender requirements,
property considerations and difficult decisions. Our role is to help
bring clarity to the process, coordinate appropriate resources and
help homeowners move toward an informed next step.
THE SUNSHINE APPROACH
We’re Not Here Just to List Your Home.
We’re Here to Help You Navigate What Comes Next.
Whether the appropriate path involves working with your mortgage servicer,
connecting with housing counseling or other professional resources,
remaining in your home, pursuing a traditional sale, or considering a
lender-approved short sale, Sunshine is your starting point.
connecting with housing counseling or other professional resources,
remaining in your home, pursuing a traditional sale, or considering a
lender-approved short sale, Sunshine is your starting point.
YOUR FIRST STEP
Start With Sunshine.
We’ll Help You Understand What Comes Next.
When you’re facing mortgage challenges, figuring out who to call,
what questions to ask and which options may apply to your situation
can feel overwhelming. You don’t have to sort through it alone.
what questions to ask and which options may apply to your situation
can feel overwhelming. You don’t have to sort through it alone.
Sunshine serves as your starting point.
We begin by understanding your situation and what you’re trying
to accomplish, then help identify the appropriate resources,
professionals and real estate options for your circumstances.
We begin by understanding your situation and what you’re trying
to accomplish, then help identify the appropriate resources,
professionals and real estate options for your circumstances.
STEP 01
Talk With Sunshine
We start with a confidential conversation about your property,
where you are in the process and what you’re trying to accomplish.
You don’t have to know which solution you need before contacting us.
where you are in the process and what you’re trying to accomplish.
You don’t have to know which solution you need before contacting us.
STEP 02
Understand Your Situation & Options
Our team helps you understand your property’s estimated market
position, the real estate considerations surrounding your situation
and the potential paths that may warrant further discussion.
position, the real estate considerations surrounding your situation
and the potential paths that may warrant further discussion.
STEP 03
Get Connected to the Right Resources
Based on your circumstances, Sunshine helps identify the appropriate
next resource or professional. That may include your mortgage servicer,
HUD-approved housing counseling, legal or tax professionals, or a
Sunshine real estate strategy when a traditional sale or short sale
should be considered.
next resource or professional. That may include your mortgage servicer,
HUD-approved housing counseling, legal or tax professionals, or a
Sunshine real estate strategy when a traditional sale or short sale
should be considered.
YOUR SITUATION IS UNIQUE
There May Be More Than One Path Forward.
Every homeowner’s circumstances are different. Sunshine helps you
understand the possible paths that may warrant consideration and
connects you with the appropriate resources when additional
professional guidance is needed.
understand the possible paths that may warrant consideration and
connects you with the appropriate resources when additional
professional guidance is needed.
Loan Modification
Depending on your loan and circumstances, your mortgage servicer
may offer options that modify certain loan terms. Sunshine can help
you identify when a conversation with your servicer or an appropriate
housing resource should be part of your next step.
may offer options that modify certain loan terms. Sunshine can help
you identify when a conversation with your servicer or an appropriate
housing resource should be part of your next step.
Repayment or Forbearance Options
Some homeowners may have mortgage-assistance options related to
missed payments or temporary payment challenges. We can help
identify when your mortgage servicer or housing counseling resources
should be involved in that conversation.
missed payments or temporary payment challenges. We can help
identify when your mortgage servicer or housing counseling resources
should be involved in that conversation.
Traditional Home Sale
If there is sufficient equity and time, a traditional sale may
allow the mortgage to be satisfied and potentially preserve
remaining equity. Sunshine can evaluate the property’s estimated
market position and help determine whether this may be a viable
real estate strategy.
allow the mortgage to be satisfied and potentially preserve
remaining equity. Sunshine can evaluate the property’s estimated
market position and help determine whether this may be a viable
real estate strategy.
A SUNSHINE SPECIALTY
Short Sale
When anticipated sale proceeds may be insufficient to satisfy the
mortgage, a lender-approved short sale may sometimes be considered.
Sunshine has experience helping homeowners navigate short-sale
situations and understands the additional coordination, documentation
and lender involvement these transactions may require.
mortgage, a lender-approved short sale may sometimes be considered.
Sunshine has experience helping homeowners navigate short-sale
situations and understands the additional coordination, documentation
and lender involvement these transactions may require.
Deed-in-Lieu of Foreclosure
In some circumstances, a mortgage servicer may consider accepting
voluntary transfer of the property instead of completing foreclosure.
If this is a possibility worth exploring, Sunshine can help identify
the appropriate resources for further discussion.
voluntary transfer of the property instead of completing foreclosure.
If this is a possibility worth exploring, Sunshine can help identify
the appropriate resources for further discussion.
Coordinated Resources & Professional Guidance
You don’t have to determine which professional to contact on your own.
Sunshine helps identify when your situation may require involvement
from your mortgage servicer, HUD-approved housing counseling,
an attorney, tax professional or another appropriate resource
and helps point you toward the appropriate next step.
Sunshine helps identify when your situation may require involvement
from your mortgage servicer, HUD-approved housing counseling,
an attorney, tax professional or another appropriate resource
and helps point you toward the appropriate next step.
CLARITY CHANGES THE CONVERSATION
Understanding Your Options Can Bring Peace of Mind.
Having clear information and the right people involved can make the
situation feel more manageable. Our goal is not to rush you into a
decision. It’s to help you better understand your circumstances,
identify appropriate resources and move toward an informed next step.
situation feel more manageable. Our goal is not to rush you into a
decision. It’s to help you better understand your circumstances,
identify appropriate resources and move toward an informed next step.
WHY HOMEOWNERS TURN TO SUNSHINE
One Starting Point. A More Coordinated Path Forward.
Sunshine is your starting point.
Instead of trying to navigate multiple resources on your own,
begin with a confidential conversation with our team.
Instead of trying to navigate multiple resources on your own,
begin with a confidential conversation with our team.
Our team combines licensed real estate experience, HUD-certified
housing counseling knowledge, short-sale expertise and pre-foreclosure
experience to help you understand your situation, identify potential
real estate strategies and determine which additional resources may
be appropriate.
housing counseling knowledge, short-sale expertise and pre-foreclosure
experience to help you understand your situation, identify potential
real estate strategies and determine which additional resources may
be appropriate.
Confidential Initial Consultation
Start by telling us what’s happening and what you’re trying
to accomplish.
to accomplish.
Property & Equity Review
Understand your property’s estimated market position and
how that may affect your real estate options.
how that may affect your real estate options.
Traditional & Short-Sale Strategy
Evaluate whether a traditional sale may be viable or whether
circumstances may warrant exploring a lender-approved short sale.
circumstances may warrant exploring a lender-approved short sale.
Resource Coordination
We help identify appropriate next resources based on your
circumstances, including mortgage servicing, housing counseling,
legal, tax and other specialized professional assistance when needed.
circumstances, including mortgage servicing, housing counseling,
legal, tax and other specialized professional assistance when needed.
OUR FIRST QUESTION ISN’T
“When Do You Want to Sell?”
It’s “What Are You Trying to Accomplish?”
✓ Some homeowners want to remain in their homes.
✓ Some need help understanding available resources.
✓ Some determine that selling may be their best next move.
✓ And some simply don’t know yet.
That’s why we start with your situation and your goal before
determining what should come next.
determining what should come next.
TIME-SENSITIVE SITUATION?
Received Court Papers or a Foreclosure Sale Date?
Contact Sunshine as soon as possible.
Let us know where you are in the process so our team can help
you understand the real estate considerations and identify
appropriate resources for your situation.
Let us know where you are in the process so our team can help
you understand the real estate considerations and identify
appropriate resources for your situation.
Foreclosure deadlines can be time-sensitive. Contacting Sunshine
should not delay contacting your mortgage servicer, responding
to court documents, meeting legal deadlines or obtaining advice
from a qualified Florida attorney when appropriate.
should not delay contacting your mortgage servicer, responding
to court documents, meeting legal deadlines or obtaining advice
from a qualified Florida attorney when appropriate.
CONFIDENTIAL PROPERTY OPTIONS REVIEW
Start With Sunshine.
Tell us what’s happening with your property and what you’re trying
to accomplish. You don’t need to know which option or professional
you need before contacting us.
to accomplish. You don’t need to know which option or professional
you need before contacting us.
Please do not provide sensitive financial, mortgage-account,
banking or Social Security information.
banking or Social Security information.
Let’s Understand Where You Are and What Comes Next.
A member of the Sunshine team will review your information
and begin helping you identify the appropriate next step.
and begin helping you identify the appropriate next step.
START MY CONFIDENTIAL PROPERTY REVIEW
Your information will be handled privately and used to respond to your request.
Important Information
Sunshine Realty & Co. is a licensed real estate brokerage. Individual team members may hold specialized certifications or credentials; however, Sunshine Realty & Co. is not represented as a law firm, mortgage servicer, tax advisor or HUD-approved housing counseling agency. Information provided on this page is for general educational and real estate informational purposes and should not be considered legal, financial, tax or mortgage advice. Foreclosure timelines, lender requirements and available options vary based on individual circumstances. When appropriate,homeowners may be directed to their mortgage servicer, HUD-approved housing counseling, legal counsel, tax professionals or other qualified resources. No particular outcome is guaranteed.