Facing pre-foreclosure or foreclosure? Keep Our Home helps South Florida homeowners stop the process, protect their equity, and find a real path forward — before it's too late.
Takes 60 seconds. We respond same day.
Don't let another day pass without a plan. Act before midnight.
If any of these apply, your case is urgent. The sooner you reach out, the more options we have to help you.
Three or more missed payments triggers a Notice of Default — the official start of foreclosure. You have a very limited window before your options narrow dramatically.
A lis pendens or foreclosure lawsuit means your lender has started legal proceedings. Time is critically short — but you still have rights and options. Call us today.
Job loss, divorce, medical bills, or other hardships made your mortgage unaffordable. We negotiate directly with lenders for modifications, forbearance, and repayment plans.
If you're underwater on your mortgage, a short sale or creative financing solution may let you exit cleanly — without owing the difference or destroying your credit.
Once your home is sold at auction, all options are gone. Contact us today for a free, confidential review.
We've helped hundreds of South Florida homeowners. Here's how we can help you.
We negotiate directly with your lender to restructure your loan — lowering your rate, reducing payments, or adding missed payments to the back of your loan so you can stay home.
Learn more →We intervene before the auction and halt the foreclosure process using hardship negotiation and lender communication — fast. Don't wait another day.
Get help immediately →Need to sell fast and walk away cleanly? We make fair all-cash offers and close in as little as 7 days — no repairs, no showings, no agent commissions.
Get a cash offer →We negotiate with your lender to accept less than owed, letting you sell, avoid foreclosure on your credit, and move forward without the burden of deficiency.
Protect your credit →Subject-to agreements, lease options, seller financing — we explore every creative path to help you keep your home or exit on your terms when traditional routes are unavailable.
Explore options →Sometimes a well-timed traditional sale is the best outcome. We connect you with a trusted South Florida realtor who can maximize your sale price before foreclosure erases equity.
Connect with a realtor →We move fast because time matters. Here's exactly what happens when you reach out.
Call or fill out the form. We review your full situation — no judgment, no pressure, no cost.
Our team reviews your loan, timeline, and goals to map every option available to you.
We negotiate with lenders, submit paperwork, and stop the clock on your foreclosure — quickly.
Whether you keep your home or exit on your terms — you move forward with clarity and confidence.
Don't wait until the auction date. Our team is standing by to review your situation and give you real answers — free, fast, and with no obligation.
Call or Text Us Anytime
305-980-1313 support@keepourhome.info📍 Serving Miami-Dade · Broward · Palm Beach County
We'll contact you within hours. All information is 100% confidential.
If you've missed payments or received a Notice of Default, you still have time — but every day matters. This checklist walks you through exactly what to do, in order, so nothing falls through the cracks.
We pull your public foreclosure record live on the call. No obligation, no pitch — just clarity on where you stand and what your options are.
Probate is already emotionally exhausting. Dealing with an inherited property on top of grief, legal proceedings, and family decisions shouldn't add more stress. We work directly with executors, heirs, and estate attorneys to provide fast, fair, all-cash offers — closing on your timeline, with zero hassle.
The court officially opens probate. An executor or administrator is appointed — often a family member.
The estate must inventory all assets including real property. The court may require a formal appraisal of the home.
Property taxes, insurance, and utilities keep accumulating. The estate pays these until the property is sold.
In Florida, the executor may need court confirmation before selling. This adds time — unless sold quickly to a cash buyer.
We coordinate directly with the estate attorney, close fast, and distribute proceeds to heirs. Clean. Done.
Navigating probate real estate is complicated. Here's what to understand before making any decisions.
Probate is the legal process through which a deceased person's estate is administered. In Florida, the court validates the will (or assigns an administrator), pays debts, and distributes assets — including real property — to heirs.
Speak with our team →Yes — with the right buyer. A cash investor familiar with probate can close in as few as 7–21 days once the executor has authority to sell. We work alongside estate attorneys so nothing slips through the cracks.
Get a cash offer →The estate does — and those costs add up fast. Property taxes, homeowner's insurance, maintenance, and HOA fees continue accruing. Selling quickly to a cash buyer stops the bleed and protects the estate's value for heirs.
Stop the carrying costs →Disagreements between heirs are common. A fast cash offer with a clean, documented transaction often resolves disputes faster than a traditional listing — and avoids drawn-out legal battles that erode the estate's value.
Talk through your situation →No. We buy probate properties completely as-is — furniture, belongings, and all. You never have to lift a finger or spend a dollar on repairs, staging, or cleanout. We handle it all after closing.
Get your no-obligation offer →The Florida Bar provides a free "Probate in Florida" guide. We can connect you with trusted estate attorneys who specialize in South Florida probate sales and have handled hundreds of these transactions.
Florida Bar Probate Guide →We've simplified the probate sale process so you can focus on your family, not paperwork.
Tell us about the property, its condition, and where you are in probate. No pressure — just real answers.
We assess the property and present a fair, written cash offer within 24–48 hours — often without an in-person visit.
We work directly with the estate's attorney to navigate court requirements, title issues, and any liens — so you don't have to.
We close on your timeline — as fast as 7 days or whenever probate allows. Proceeds go directly to the estate for distribution.
Every month the property sits in probate costs the estate money. We're the fastest, cleanest exit for inherited properties in South Florida — with compassion and zero pressure.
Fire damage. Flood damage. Code violations. Mold. Structural issues. Hoarder homes. Years of deferred maintenance. Whatever the condition — we've seen it, and we'll buy it. No repairs required. No inspections to pass. No agents. Just a fast, fair cash offer and a clean close.
We buy in current condition. You get cash fast, stop all carrying costs, and walk away clean.
Buyers back out at inspection. Lenders won't finance distressed properties. Price cuts erode your return.
Municipal fines compound daily. Liens attach to the title. Your net proceeds shrink every week.
Taxes, insurance, utilities, and HOA fees have cost thousands. The market shifted. You've lost more than you gained by waiting.
Understanding your options as a distressed property owner is the first step to a smart decision.
A distressed property requires significant repairs, has code violations, suffered damage (fire, flood, wind, mold), has been abandoned, or is financially underwater. Traditional buyers and lenders typically won't touch these — but we can.
Talk to us about your property →FHA, VA, and conventional loans require properties to meet minimum condition standards. If a home has major damage, the lender refuses to finance — leaving 90%+ of buyers unable to close, and you stuck or forced into costly repairs.
Bypass the repair treadmill →A cash buyer purchases the property in its exact current condition — no repairs, no cleaning, no appraisals, no financing contingencies. Agree on a price, sign, and close — typically in 7–14 business days. The cleanest, fastest exit for distressed property owners.
Get your cash offer →We're experienced buyers who deal with code violations, municipal liens, and permit issues regularly. In many cases, we can work around them or address them at closing — so you don't have to spend time or money resolving them before selling.
Ask us about your liens →South Florida is no stranger to storm damage. Insurance claims take months or years to settle. We can buy your storm-damaged property outright — giving you immediate liquidity rather than waiting on a slow insurance process or costly remediation.
Sell your damaged property →Our offers reflect current market value minus repair costs. We're honest and transparent — we'll walk you through exactly how we arrived at our number. No hidden fees, no surprises, no games.
Request a transparent offer →No agents. No open houses. No financing fall-throughs. Here's how simple we make it.
Call us or fill out our form. Describe the condition honestly — we've seen everything and nothing surprises us.
We assess in person or via photos/video and calculate a fair offer based on current ARV and actual repair costs.
You get a clear, written offer with no hidden conditions. Take your time — zero pressure from us.
Close in as few as 7 days or on a date that works for you. Funds are wired directly to you at closing.
Every month you hold a problem property costs you. One call, one offer, one closing. Done.
Late rent. Evictions. Midnight maintenance calls. Problem tenants. Skyrocketing insurance. You built wealth in real estate — but now the property is managing you. We buy rental properties directly from tired landlords at fair prices, with fast closings, even with tenants in place. No agents. No hassle. Just relief.
Property appreciates. Rent covers mortgage. You're building equity and it feels like smart investing.
A bad tenant. First eviction. A surprise $8,000 HVAC replacement. Insurance doubles. Margins shrink.
Late-night calls. Code complaints. Turnover costs. You're not a passive investor — you're a part-time property manager.
South Florida values are high. Now is the time to cash out, stop the headaches, and redeploy capital — or just rest.
We buy your property — tenants and all — and handle the transition. You walk away with equity and peace of mind.
Before you list with an agent, explore the fastest and most flexible exit strategies available to South Florida landlords.
The fastest, most stress-free exit. No agent commissions (save 5–6%), no showings with tenants, no financing contingencies. We buy as-is, with tenants in place, and close in days. You keep more equity and stop the bleeding immediately.
Get your landlord offer →A 1031 exchange lets you defer capital gains taxes by reinvesting proceeds into a "like-kind" property within 180 days. We can connect you with a 1031-savvy intermediary so you can exit your rental without a major tax hit.
Ask about 1031 options →Many landlords assume they must evict before selling. Not with us. We regularly purchase occupied rental properties — honoring existing leases and handling all tenant communication after closing. No costly eviction required.
Sell with tenants in place →Own a duplex, triplex, quadplex, or multiple single-family rentals? We buy multi-unit properties and small portfolios. Package deals welcome — often one closing, one buyer, and a clean exit from multiple headaches at once.
Discuss your portfolio →A traditional listing may get a higher gross price — but after agent commissions (6%), closing costs, holding time, and repairs, a cash sale often nets more. We'll walk you through a side-by-side comparison so you decide with clear eyes.
Compare net proceeds →Florida Statute 83 governs landlord-tenant relationships. We've navigated hundreds of tenant-occupied closings and keep you legally protected throughout — coordinating with your attorney so the transition is clean and compliant.
Florida Statute 83 →From first call to cash in hand — here's how we help tired landlords exit on their terms.
Share the address, unit count, current rent roll, tenant status, and any issues. We listen without judgment.
We evaluate income, condition, location, and local comps to craft a fair offer that reflects your property's true value.
No verbal promises. You get a clear written offer in 24–48 hours. No obligation — just the information you need.
We handle the title, coordinate with tenants, and close on your schedule. Your equity is wired directly to you at closing.
South Florida rental values are near historic highs. Don't let more bad months erode your equity and your sanity. Call us for a free, honest rental property consultation.
We believe informed homeowners make better decisions. Download these free resources — no email required, no strings attached. Every PDF is branded with our contact info so help is always one click away.
All 14 strategies in one PDF — from loan modification to courthouse auction. Share with anyone facing foreclosure in South Florida.
Each checklist tells you exactly what to prepare, what to say, and what to watch out for. Branded with our contact info so help is always nearby.
Every document your lender will ask for, plus how to write a hardship letter that actually gets results.
⬇ Free Download →How to pause payments legally, what to confirm in writing, and how to plan your exit before the forbearance ends.
⬇ Free Download →Catch up on missed payments through a structured lender arrangement without losing your home.
⬇ Free Download →Is refinancing an option for you? Check eligibility, gather your documents, and compare lenders the right way.
⬇ Free Download →Sell for less than you owe with lender approval — and negotiate a deficiency waiver so you walk away clean.
⬇ Free Download →Voluntarily transfer your home to the lender and avoid full foreclosure — negotiate relocation cash too.
⬇ Free Download →Filing stops foreclosure immediately. Understand the difference between Chapter 7 and 13, and what you need to prepare.
⬇ Free Download →If you must vacate, don't leave money on the table. Here's how to negotiate $1,000–$10,000 to move out cleanly.
⬇ Free Download →Whether you're buying at auction or structuring a creative deal, use these step-by-step checklists to protect yourself and maximize returns.
Take title subject to the existing mortgage. Due diligence, deal structure, and closing steps — done right.
⬇ Free Download →Get under contract and assign to a cash buyer. Never own the property — just collect your fee at closing.
⬇ Free Download →Bid smart at Florida county foreclosure auctions. Title research, lien analysis, and bidding strategy covered.
⬇ Free Download →Buy bank-owned properties with more time and less risk than auction. How to find, offer, and close REO deals.
⬇ Free Download →Buy FHA-foreclosed homes at HUDhomestore.gov. Owner-occupant priority period, bidding rules, and financing tips.
⬇ Free Download →Help homeowners tap equity to cure arrears and stop foreclosure. Eligibility, documents, and lender tips included.
⬇ Free Download →Structure a rent-to-own deal where the homeowner stays in the home. Legal documents, deal terms, and closing steps.
⬇ Free Download →Free, federally approved counselors help you navigate your mortgage situation at no cost — a government-backed resource.
Find a Counselor →Florida has funds available to help eligible homeowners catch up on mortgage payments, property taxes, insurance, and utilities.
Check Eligibility →Learn the red flags of foreclosure rescue fraud. Scammers target distressed homeowners — know what to look for.
Get Our Warning Guide →Our team reviews every situation for free — no pressure, no obligation.
Keep Our Home works alongside HUD-approved agencies, nonprofits, government programs, legal aid organizations, and real estate professionals to make sure every homeowner gets the right help — not just our help. Click any link to connect directly.
Free HUD-certified counselors help homeowners navigate mortgage delinquency, foreclosure, and loan modification — at no cost to you.
hud.gov/offices/hsg/sfh/hcc →Federal loan modification and refinancing assistance programs for eligible homeowners. Referral partner for loan mod cases.
makinghomeaffordable.gov →FHA-backed program providing short sale and refinancing assistance for homeowners who are underwater or facing foreclosure.
HUD.gov — Search HOPE for Homeowners →NFMC-certified agencies offer free foreclosure counseling funded by Congress. NeighborWorks America administers the program.
neighborworks.org →HUD-administered emergency assistance for eligible homeowners. Check HUD.gov for active Florida programs and eligibility windows.
hud.gov — Search FL Programs →Foreclosure prevention resources from Florida's allocation of the federal Hardest Hit Fund. Current program info at Florida Housing.
floridahousing.org →Florida's state housing agency — affordable housing programs, down payment assistance, and foreclosure prevention resources.
floridahousing.org →Florida's consumer financial protection agency. Homeowner help, mortgage fraud reporting, and financial counseling resources.
myfloridacfo.com/homeownerhelp →Free civil legal assistance for low-income Florida families — including foreclosure defense, housing, and family law matters.
floridalegal.org →Find a licensed Florida attorney for real estate, foreclosure defense, or bankruptcy matters. Verified referrals, low-cost initial consultations.
floridabar.org →National network of community development organizations. Training, certification, and housing counseling referral pipeline nationwide.
neighborworks.org →Below-market rate home purchase and refinancing programs. Strong presence in South Florida. No fees, no down payment for eligible buyers.
naca.com →America's largest nonprofit credit counseling organization. Client referral pipeline for financial counseling and debt management.
nfcc.org →Free civil legal services for low-income Miami-Dade residents — foreclosure defense, housing, and family law. Refer families in need.
clsmf.org →Section 8 housing assistance, emergency relocation, and housing stability programs for Miami-Dade residents.
miamidade.gov/housing →Housing assistance and placement referrals for Broward County residents. Emergency housing and Section 8 voucher programs.
bchafl.org →Community resource connection hub — financial stability programs, housing, and emergency assistance throughout Miami-Dade.
unitedwaymiami.org →Emergency housing, rental assistance, and family support services across South Florida. Referral partner for displaced homeowners.
salvationarmy.org →Housing counseling, family services, and emergency assistance for families facing foreclosure or housing instability in Miami-Dade.
ccadm.org →Housing and homeless prevention services for Miami-Dade. Referral partner for clients who have already lost housing or are at imminent risk.
camillushouse.org →Statewide Realtor association — agent partnerships, continuing education, and networking for South Florida real estate professionals.
floridarealtors.org →South Florida's largest Realtor association. Networking, MLS access, and agent partnership opportunities for Miami-Dade, Broward, and beyond.
miamirealtors.com →Real estate investor education, networking, and resources across Florida. Partnership opportunity for investor strategy referrals.
nationalreia.org →Attorney referral network specializing in foreclosure defense across Florida. Partner for clients who need legal representation.
Contact us for attorney referrals →We work with trusted title partners including Stewart Title, Old Republic Title, and Attorneys Title for fast, clean closings throughout South Florida.
Ask us about title partners →Are you a nonprofit, agency, or professional who works with at-risk homeowners?
We'd love to build a referral partnership. Reach out directly.
Real outcomes from real people in Miami-Dade, Broward, and Palm Beach counties. Every story below is from a homeowner or family who called us in crisis — and found a way forward.
"I missed four payments after my hours got cut and I panicked. Keep Our Home walked me through the entire loan modification process, handled all the paperwork, and got my monthly payment reduced by $487. I've been current for eight months now. I still live in the home I raised my kids in."
"The auction was literally 22 days away when I called. They jumped on it immediately, stopped the foreclosure, and negotiated a short sale where the bank forgave the full deficiency. I walked away owing nothing and with enough breathing room to start over. These people are miracle workers."
"After my divorce I couldn't afford the mortgage on one income and I didn't know what to do. They sat with me, explained every option, and helped me get a fair cash offer that closed in 11 days. No repairs, no realtor fees, no drama. I moved on with my dignity intact and money in my pocket."
"I inherited my mother's home and found out it was 14 months behind on the mortgage with a sale date set. I live out of state and had no idea how to handle it. Keep Our Home managed the entire process remotely — filed a probate-friendly short sale and got the lender to release the deficiency. Closed in 58 days."
"I was too embarrassed to ask for help and waited too long. By the time I called there were only 9 days to the auction. They filed a Chapter 13 referral same day, stopped the sale, and then helped me get into a repayment plan to catch up. My house is not gone. That's everything to me."
"I was a tired landlord with three problem tenants and a property going into foreclosure. Keep Our Home bought the house as-is, with the tenants still in it, in 14 days. No evictions, no repairs, no listing. I took the cash and finally retired the way I planned. Best decision I made in years."
"My husband passed and I found out the mortgage was never in my name. I didn't know if I even had rights to the property. The team at Keep Our Home spent time explaining exactly what I could do, connected me with a legal aid partner at no charge, and helped me negotiate a deed-in-lieu with $4,500 in relocation assistance. They genuinely care."
Stories shared with homeowner permission. Names and details reflect actual client experiences. Individual results vary based on lender, timeline, and circumstances.
Start Your Free Review — No Obligation →⏰ Don't wait — every day closer to your court date means fewer options and less leverage.