Infinite Realty — Orlando, FL real estate brokerage (321) 394-8696
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Central Florida · Foreclosure specialists since 2007
Just served with a foreclosure lawsuit or lis pendens? There's still time to act — but the window narrows once the auction date is set.

Facing foreclosure in Florida? You have more options than the bank tells you.

Since 2007, we've helped over 100 Central Florida homeowners stop foreclosure — through short sales, loan modifications, and fast cash sales. We specialize in exactly this situation. Tell us what's happening and we'll lay out your real options, with no pressure.

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5.0 rated on Google · Confidential · No obligation · We've been here since 2007
5.0 on Google Licensed FL BrokerageLic. #CQ1044344 Local Orlando teamNot an out-of-state buyer
(321) 394-8696Call or text — confidential, no pressure
5.0 Google rating · 19 reviews
Since 2007Licensed FL brokerage · CQ1044344
100+Homeowners saved from foreclosure
$12M+Mortgage debt forgiven
Florida foreclosure — what you need to know

Florida is a judicial foreclosure state. That gives you time — but not forever.

Unlike some states where lenders can take your home in a matter of weeks, Florida requires your lender to sue you in court and win a final judgment before they can schedule a foreclosure sale. That process typically takes anywhere from 6 to 18 months — but once that final judgment is entered, your options narrow fast.

The moment you miss a payment, the clock starts. The earlier you contact us, the more choices you have. Many of the homeowners we've helped waited too long — not because they were ignoring it, but because they didn't know there were real alternatives. There almost always are.

Your real options — explained plainly

Three paths out. We help you choose the right one.

Fast Cash SaleHave equity
  • Stops foreclosure immediately upon closing
  • You keep all equity above the payoff
  • No repairs, no showings, no commissions
  • Close in days, not months
Get a cash offer →
Traditional MLS SaleWant the highest price
  • Professional marketing, maximum exposure
  • Sell for the highest possible price
  • We handle the showings, paperwork, and negotiations
List for top dollar →
Short Sale AssistanceOwe more than it's worth
  • Lender forgives the remaining mortgage debt
  • No foreclosure judgment on your credit
  • Relocation assistance up to $10,000 from many lenders
  • Sell completely as-is — no repairs, no cost to you
  • Eligible to buy another home in as little as 2 years
  • Our fee is paid by the lender — zero cost to you
How short sales work in detail →
Want to keep your home? A loan modification changes the terms of your existing mortgage — interest rate, monthly payment, or loan term — to make payments affordable again. It's a negotiation between you and your lender, not something we provide directly. You can pursue it on your own by contacting your lender, or we can refer you to a trusted attorney to handle the negotiation if you choose to hire them. If a modification falls through, we're still here to help you sell before the auction.
Chapter 13 bankruptcy can temporarily stop a foreclosure through an automatic stay while you reorganize your debts. It's a serious step with long-term credit implications — not a first resort. If you're considering this path, we'll connect you with a trusted bankruptcy attorney first.
If a final judgment is entered and your home goes to auction, the lender takes the home, you receive nothing, and in Florida the lender may still pursue a deficiency judgment for the remaining balance. The foreclosure stays on your credit for 7 years.
The Florida foreclosure timeline

Know where you stand — and how much time you have.

1Missed payment(s)

Your widest window to act — lenders typically wait 3–4 months before pursuing legal action.

2Notice of default

Lender sends formal notice of the amount owed and a deadline to cure.

3Lawsuit filed & served

A lis pendens is filed (case becomes public record), you're served, and have 20 days to respond.

4Court process

Discovery and possible mediation, often running months. Still time to pursue a short sale or cash sale here.

5Final judgment & auction

Court enters judgment, sale is set 20–35 days later. Once it sells, the process is complete — act before this.

Why homeowners trust us with this

Foreclosure is our specialty — not a side service.

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Foreclosure specialists since 2007We built our brokerage around this. It's the situation we understand best and handle most — not a niche add-on.
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100+ homeowners helpedEvery major lender, every kind of loan type, every stage of the foreclosure process — we've been through it.
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$12M+ in mortgage debt forgivenReal numbers from real short sale negotiations — money our clients didn't have to repay.
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A trusted attorney networkNeed a bankruptcy or loan-modification attorney? We connect you with vetted local professionals — and if that route doesn't work out, selling is still here as your fallback.
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No cost on short sales — everYour lender pays our fee at closing. You owe us nothing regardless of outcome.
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Confidential and no-pressureWe'll lay out your options honestly. If a path other than us is better for you, we'll tell you.
A local broker, not a national algorithm

The Infinite Realty difference.

A real local teamYou work with people who know Orange, Osceola, and Seminole County courts, lenders, and timelines — not a call center reading from a script.
Licensed & accountableA licensed Florida brokerage (CQ1044344) held to a professional standard most cash buyers and foreclosure "consultants" aren't — and we work alongside trusted local attorneys when your situation calls for one.
Honest options — no pressureIf a loan modification is better for you than a sale, we'll tell you. If bankruptcy is worth exploring, we'll connect you with an attorney. We give you the full picture.
Reviews

Real sellers. Real closings.

Read all our reviews on Google →

Areas we serve

Foreclosure help across Central Florida.

OrlandoKissimmeeSanfordAltamonte SpringsWinter GardenApopkaSt. CloudOviedoLake MaryLongwood

We serve all of Orange County, Osceola County, and Seminole County.

Frequently asked questions

Florida foreclosure — straight answers.

Florida is a judicial foreclosure state, meaning your lender must sue you in court and win a judgment before they can sell your home. The process typically takes 6–18 months from first missed payment to auction, but once a final judgment is entered your options narrow quickly. Acting early gives you the most choices.
In a foreclosure your lender takes the home, you receive nothing, and the foreclosure stays on your credit report for 7 years — and you may still owe a deficiency balance. In a short sale, you sell the home with lender approval, the difference between the sale price and what you owe is forgiven, there is no foreclosure on your record, and you may qualify to buy again in as little as 2 years.
A loan modification is a permanent change to your mortgage terms — interest rate, payment amount, or loan length — made directly with your lender to make payments affordable again. You may qualify if you have a documented financial hardship and steady income to support the modified payment. We don't process modifications ourselves — that's handled with your lender or a loan-modification attorney we can refer you to. What we can do is help you weigh whether pursuing a modification or selling makes more sense, so you don't run out the clock.
Yes, in most cases. As long as a final judgment has not been entered by the court, there is still time to pursue a short sale or cash sale to satisfy the debt and stop the foreclosure. We have helped homeowners well into the court process — the key is to contact us as soon as possible so we can review the timeline.
No. In a short sale your lender compensates us at closing — our fee comes out of the sale proceeds, not your pocket. You pay nothing out of pocket and typically receive relocation assistance of up to $10,000 from the lender as well.
Most short sales in Central Florida take 2–4 months from accepted offer to closing, depending on the lender. Some lenders move faster. The key is starting the process before the court has entered a judgment, which is why we encourage homeowners to contact us early.
A note from the broker

If a foreclosure case has been filed against your home, there's still time to act — and you likely have more options than the bank will tell you. Since 2007 I've helped over 100 Central Florida homeowners through this exact situation. Call or text me directly and we'll walk through your options together — no cost, no pressure, completely confidential.

Huzaifa Razak

Broker / Owner, Infinite Realty · Lic. #CQ1044344

Let's look at your options together — free, confidential, no pressure.

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