For Attorneys · Miami-based · Serving Florida
Your client may have property equity but need funds to address mortgage arrears, buy out co-heirs, or hold an inherited home while an estate settles. I review equity-based foreclosure and probate financing with you and the title team. Credit is not part of qualification for these programs. Property, available equity, title, legal authority and a viable repayment plan still require lender review.
Practice Areas
A foreclosure bridge loan may pay a verified mortgage payoff if the property and transaction qualify. Share the case status, any scheduled sale date, known liens and available payoff information. Counsel remains responsible for legal strategy and deadlines; financing cannot be assumed to stop or postpone a sale.
Inherited homes with missed payments, heir buyouts and estate financing are core scenarios I review. Open probate can be considered, but the lender, counsel and title team must confirm ownership, authority to borrow, required approvals and the proposed use of funds before closing.
If one spouse wants to keep the home and buy out the other, we can review whether financing fits the proposed agreement. Counsel and title confirm the ownership and documentation requirements. A future conventional refinance must qualify independently and is not guaranteed.
For a client in bankruptcy or considering it, I can review the financing side with counsel. Any proposed borrowing needs lender review and whatever legal authority or approvals the case requires. Your client should rely on their attorney for bankruptcy advice and foreclosure protections.
Share the English/Spanish foreclosure options handout, the inherited-home financing guide, or the guía de casas heredadas en español. Clients can call directly to discuss whether financing merits further review.
Start with the property address, estimated value, mortgage balance or payoff, other liens, case status and the client’s objective. For inherited property, include the probate or trust status and who has authority to act. The referral checklist below keeps the first conversation focused.
We agree on who communicates with the client and how updates are shared. I explain financing requirements and outstanding conditions; counsel handles legal strategy and deadlines. We review a realistic repayment plan without assuming a later refinance will be available.
Before the first call
You do not need every document before calling. We can identify missing items and agree on a suitable channel for documents. Start email introductions with a general scenario and callback details.
For background on the roles involved in an estate, see The Florida Bar’s probate guide.
Attorney FAQ
No. I do not pay attorneys for mortgage referrals. The relationship is based on useful financing reviews, clear communication and the client’s needs.
Call with the verified sale date, case status, available payoff information and known title issues. I can review whether financing is feasible, but cannot promise funding before an auction or that a sale will be stopped. Counsel should continue handling legal rights, deadlines and any requested court relief.
Yes, an open estate can be reviewed. Before closing, the lender, counsel and title team must confirm sufficient equity, ownership, authority to borrow, required approvals, use of funds and a repayment plan. Probate being open does not by itself establish eligibility.
Credit is not part of qualification for the equity-based foreclosure and probate programs described here. The review covers the property, available equity, title, loan structure and repayment plan. Conventional and other mortgage programs have separate qualification requirements.
Bridge terms are up to 36 months in most cases, with no pre-payment penalty. The exit may involve selling the property, refinancing if eligible, or other verified funds. A later refinance is not guaranteed; the repayment plan should account for that uncertainty.
Yes. If the available information points to insufficient equity, title or authority issues, or an unworkable repayment plan, I explain the concern. We can identify what would need to change or whether the client should explore other options with the appropriate professionals.
Yes. Consultation and financing explanations are available in English and Spanish. We coordinate document and closing-language needs with the relevant providers. Clients can also use the Spanish inherited-home guide linked on this page.
Call with the property, debt, case status and client’s objective. I’ll explain what information is needed to evaluate the financing and keep you informed of outstanding conditions.
Use the Attorney Financing Desk for an initial review, or share our inherited-property, mortgage-distress and property-buyout preparation guides. Available to listed and unlisted attorneys.