Your Path to a Fresh Start
Unlock the Doors to Your Future with Sandy Buys Houses
Missed mortgage payments, a notice of default, or a foreclosure sale date already on the calendar can feel overwhelming — but you likely have more time, and more paths forward, than you think.
You ave Three Paths Forward
If you’re behind on your mortgage or have received a notice of default, Sandra “Sandy” Cantu — a licensed Florida Realtor® SL3642627with Jalexian Realty and 25+ years of real estate experience — can walk you through three realistic ways forward:
Sell fast for cash. Get a fair, all-cash offer in days, with no repairs, no commissions, and no hidden fees.
List on the MLS. As a licensed agent, Sandy can market your home to the open market if you have enough time and equity left to benefit from a traditional sale.
Short sale assistance. If you owe more than the home is worth, we can negotiate directly with your lender to help you avoid foreclosure and limit the damage to your credit.
Download our free guide, “Facing Foreclosure? You Still Have Options” →
How Much Time Do You Actually Have?
Florida is a judicial foreclosure state, which means your lender has to sue you in court before your home can be sold — it can’t happen through a simple notice, the way it can in some other states. Federal law also generally requires your loan servicer to wait until you’re more than 120 days behind before starting that process. Once a lawsuit is filed, you typically have 20 days to respond, and from there, a Florida foreclosure case commonly takes anywhere from several months to well over a year to reach a sale date, depending on your county’s court backlog and whether the case is contested.
That window matters because it’s working room — room to sell on your terms, negotiate with your lender, or get legal advice, instead of waiting until a sale date is just days away.
This is general information, not legal advice. For guidance specific to your case, a Florida foreclosure attorney can review your situation in detail.
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SANDY UNDERSTANDS THIS FROM EXPERIENCE, NOT JUST THEORY
In 2008, Sandy lost her own properties to foreclosure and filed for bankruptcy and had to rebuild from nothing. She knows the uncertainty, the sleepless nights, and the weight of every decision you’re facing right now — and she turned that experience into a mission to help other Florida homeowners find a better way through than she had.
Behind every property is a family and a story worth protecting. Whether you need a fast cash buyer, want to explore listing your home, or need help negotiating a short sale, our goal is to help you make an informed decision and move forward with as little financial damage as possible.
Contact Sandy today for a free, confidential consultation →
Serving homeowners across Tampa, St. Petersburg, Clearwater, Brandon, and throughout Tampa Bay and Southwest Florida.
Take the First Step With a Free Consultation on Your Options.
Contact Sandy Buys Houses Today.