⏱ 13 min read · local numbers, local offices, and money that is actually here Most foreclosure advice online is written for nobody in particular. It tells you to contact your lender and explore your options, which is a bit like telling somebody who is lost to head in the right direction. This one is… Continue reading Foreclosure Help in Jacksonville and Duval County: Every Local Resource
⏱ 14 min read · the auction, the liens, and the parts nobody warns you about A guy called me last year, pretty pleased with himself. He’d won a condo at a Duval County auction for $31,000. Two-bedroom, decent building. He wanted to know what to do next. What he had actually bought was a… Continue reading Buying a Foreclosed Home in Florida: The Process, Honestly Explained
⏱ 13 min read · probate, taxes, the mortgage, and the family part A man called me in February about his mother’s house in Jacksonville. She’d passed in September. He’d been paying the electric bill out of his own account for five months because he didn’t know what else to do, and he was worried… Continue reading You Inherited a Property in Florida. Here’s What Actually Happens Next.
⏱ 14 min read · the whole thing, start to finish, in plain English A woman called me last spring with a stack of court papers she’d been driving around with for eleven days. Unopened, most of them. She was certain the sheriff was showing up any morning now. He wasn’t. She had months. What… Continue reading Foreclosure Process in Florida: Your Rights and Options
⏱ 11 min read · the letter that scares families into giving up equity The letter shows up faster than you expect. Sometimes before the thank you cards go out. It uses the phrase “due and payable,” it names a number that makes your stomach drop, and it reads like the house is already gone.… Continue reading Mom Had a Reverse Mortgage. Now the Lender Wants the House
⏱ 10 min read · the call people put off the longest Somebody asked me this last week and then apologized for wasting my time. Two payments. Nothing filed, nobody suing anybody, just two months where the money didn’t stretch. They felt silly calling. I want to tell you what I told them, because it’s… Continue reading I’m Two Payments Behind. Is It Too Early to Call Somebody?
⏱ 11 min read · no mortgage, no lender, and none of the usual protections Almost everything written about losing a home assumes there’s a bank involved. A mortgage, a servicer, a loan you fell behind on. But some of the hardest situations I see have no lender in them at all. The house is… Continue reading You Can Lose a Paid Off House Over Property Taxes in Florida
⏱ 11 min read · the house nobody knows what to do with The call usually comes a few weeks after the funeral. Not before. Before that there’s too much else. Then the mail starts stacking up at a house nobody lives in, and somebody in the family finally says the thing out loud. What… Continue reading You Inherited a House in Florida. Now What?
⏱ 11 min read · what’s closed, what’s open, who to call Almost every week somebody asks me a version of the same question. Is there a program that will help me catch up? Most of them have already spent an evening searching, found something that looked exactly right, and landed on a page that… Continue reading Where to Actually Get Help Paying Your Mortgage in Florida Right Now
⏱ 10 min read · you don’t owe me an apology for your house People apologize to me for their houses. Almost every single time. They meet me at the door already listing what’s wrong, before I’ve even stepped inside. The carpet. The smell. The room they stopped going into. Let me say this once,… Continue reading Does My House Need Too Much Work to Sell?
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