Reference Guide: Frequently Asked Questions

Foreclosure FAQ

Answered by an Orlando Foreclosure Defense Attorney

Is your home at risk of being lost to foreclosure? At Haynes Law Group, we proudly represent borrowers whose homes are threatened by foreclosure proceedings. We understand the urgency of your matter; therefore, we offer free consultations and make ourselves available 24 hours a day, 7 days a week.

Why we are the law firm to trust:

  • We will answer all of your questions.
  • We file the necessary paperwork.
  • We assist with loan modifications, short sales and other foreclosure alternatives.
  • We have special training in real estate transactions.

We have provided a list of frequently asked questions about foreclosure below, which we encourage you to continue reading.

For additional information, don't hesitate to contact our office to schedule a free consultation with an Orlando foreclosure defense lawyer!

I can't afford my mortgage, what should I do?

You should contact our office as soon as you realize that you cannot afford to pay your mortgage or if you have missed a payment. Ignoring the problem is a mistake; you may have options that are better alternatives over losing your home to foreclosure.

What types of options may I have?

If you want to work with your lender to keep your home, your options may include any of the following: reinstatement, forbearance, a repayment plan, or a loan modification.

What if I can't keep my home?

If you and your lender agree that you cannot keep your home, you still have options that may allow you to avoid foreclosure, including: a deed-in-lieu of foreclosure, a pre-foreclosure sale, an assumption, or refinancing.

Does Florida order deficiency judgments?

In Florida, deficiency judgments are allowed when the homeowner is personally served in the lawsuit; however, the courts have flexibility regarding the amount of deficiency, regardless of the type of mortgage.

Can I get my home back?

Once the foreclosure is over, you cannot get your home back. But, you have until the court clerk files the certificate of sale or until the time given on the foreclosure judgment to pay off the full amount of the unpaid loan to keep your house. This process is called "redeeming."

Are Florida foreclosures judicial?

Yes, Florida foreclosures are judicial, this means that the lender must file a lawsuit in court to foreclose on your home.

How long does the foreclosure process take?

Due to the backlog of foreclosures in Florida, the entire process can take a year or longer to complete, but you still want to explore your alternatives to foreclosure as early as possible.

If you are facing foreclosure, we urge you to contact Haynes Law Group right away to discuss all of your options in a free consultation. Since your home is likely the largest investment of your life, you will want to be sure that whatever decision you make, is an informed and educated one.

"Haynes Law Groupprovided me with the best possible outcome in my case. It is without hesitation that I would retain them going forward if I needed great legal representation. Bravo. Well done." - Client Testimonials ​​​​​​

The Client Experience

  • “I will highly recommend your firm when someone has the need in the future.”

    Marilyn
  • “Will definitely use again if ever need to!”

    S.N.
  • “I want to say thanks for the great professional service provided by you and your staff!”

    B.H.
  • “Call Mr. Haynes if you want someone who will fight for you!”

    T.S.
  • “I would highly recommend Attorney Haynes if the need arises!”

    W.B.
  • “You have exceeded our expectations”

    Jeff & Nancy
  • “You won me the full amount of my foreclosure surplus funds without having to pay any other parties!”

    J.M.
  • “Everyone at the firm is so friendly and courteous!”

    B.K.
  • “Attorney Haynes is capable, honest and does exactly what he says he's going to do....his absolute best for you!”

    H.H.
  • “I would highly recommend your legal assistance to anyone in need of a expert to get the job done!!”

    Pam
  • “A few details and after learning about his firm I signed an engagement letter!”

    D.L.
  • “Their timely responses and caring attitude made going through a difficult time that much easier!”

    R.W.
  • “I truly appreciate it, truly the GOLD standard of service from you and your office!”

    R.W.
  • “Your team is very cordial and communication is truly top notch.”

    E.W.
  • “Haynes & de Paz saved our family home!”

    B.G.

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