Miami-based · Serving Florida · English / Español
Inherited a home with missed mortgage payments, or need to buy out siblings? I review equity-based probate and estate financing to help families keep the property when the numbers and legal structure support it. Credit is not part of qualification for these equity-based programs. I coordinate the financing review with your probate attorney and title team, in English or Spanish.
Plain English
The probate loans described here are bridge loans secured by real estate, used for an heir buyout, an inherited mortgage payoff, or eligible estate needs. Credit is not part of qualification for these equity-based programs. The lender still reviews available equity, title, the proposed use of funds, and a workable repayment plan. Open probate does not automatically prevent a review, but your attorney and title team must confirm ownership, authority to borrow, and any required approvals before a loan can close.
One heir may want to keep the home while others want their agreed shares paid out. An estate loan may fund that buyout if equity, title, legal authority, and the repayment plan support the transaction. How to work out the sibling buyout amount →
An inherited mortgage can still face foreclosure when payments are missed. Financing may help address the existing debt if the property and transaction qualify. Start with the servicer’s current figures and your attorney’s review of any court deadline. What to do about missed payments →
Taxes, insurance, association dues, repairs, and estate administration can create a funding need. Whether property equity can cover a particular expense depends on the lender’s program and the estate’s legal authority.
Inherited a Miami property but live elsewhere? I handle the financing side remotely — coordinating with the personal representative, the attorney, and local title, in English or Spanish.
Financing may support an agreed buyout, but it cannot settle an ownership dispute. Ask your attorney to resolve the rights and consent of the parties before treating a loan as the solution.
Bridge terms run up to 36 months in most cases, with no pre-payment penalty. The repayment plan may involve a refinance if you qualify, a sale, or other verified funds. A conventional refinance is not automatic when probate closes, and its requirements are separate from the equity-based bridge program.
If your client has an inherited property and a financing need, I can review the scenario alongside counsel and title. How I work with attorneys →
Keeping the family home
The family’s agreed buyout and the property’s existing debt both matter. An estate loan should be reviewed against the entire transaction.
Taking over an inherited mortgage does not itself pay co-heirs. If your only need is to continue the existing loan, speak with the servicer before replacing it. If you need funds for an agreed buyout, the sibling buyout guide explains the distinction.
Inherited home · Missed mortgage payments
Start by separating the mortgage problem from the ownership paperwork. Inheriting a home does not, by itself, mean you must replace the existing mortgage. A new loan should solve a specific financing need.
Ask the mortgage servicer what documents it needs to confirm your status as a successor in interest. Ask about the current account balance, missed payments, and options for the existing loan. CFPB guidance for inherited mortgages.
Your Florida probate attorney and title team review the deed, estate or trust documents, ownership interests, and any required court orders. Homestead and estate rules can affect who has authority to act. The Florida Bar’s probate guide explains the roles involved.
I review the property, debt to be addressed, any heir buyout, and the plan to repay the new loan. Credit is not part of qualification for these equity-based programs. A scheduled sale needs immediate attention from your attorney; applying for financing does not pause it. Review inherited-home foreclosure questions, or explore foreclosure bailout financing.
Before the first call
Bring what you have. You can call before every document is available.
Lea la guía completa en español sobre casas heredadas y préstamos de sucesión.
¿Heredó una casa con pagos atrasados? Podemos revisar la propiedad, la deuda y el estado de la sucesión en español. El crédito no forma parte de la calificación para estos programas basados en la plusvalía. Su abogado y el equipo de título deben confirmar quién puede autorizar el préstamo. Llame al (305) 492-2404.
Clients Who Closed
Verified Google reviews from real clients.
Reinier is extremely knowledgeable, responsive, and professional. He took the time to explain each step of the process clearly and stayed proactive throughout, which made everything feel smooth and stress-free. His attention to detail and communication truly set him apart.
Excellent service from Reinier and his team. It was a smooth process from start to finish. Reinier definitely looked out for our best interest and gave us the best possible deal. Very trustworthy and an excellent communicator.
★★★★★ Rated 5.0 on Google
Honest answers
Possibly. The equity-based probate programs described here can be reviewed while an estate is open. Before closing, the lender, your attorney, and the title team must confirm acceptable equity, ownership, authority to borrow, any required approvals, and a repayment plan. Open probate alone does not establish eligibility.
An estate or heir buyout loan can use available property equity to pay co-heirs under an agreed transaction. Existing debt and the proposed buyout affect how much financing is needed. The attorney and title team confirm ownership and the required parties; the lender reviews the loan. A buyout is not automatically better than selling.
Ask the servicer about the existing mortgage and the documents needed to confirm your status as a successor in interest. Have your attorney review foreclosure papers or a sale date. Equity-based financing may address the mortgage debt if the property and transaction qualify, but an application does not pause foreclosure or guarantee funding.
Credit is not part of qualification for these equity-based probate and foreclosure programs. The lender reviews the property, available equity, title, use of funds, loan structure, and repayment plan. A separate conventional or other mortgage program has its own qualification requirements.
A refinance can be an exit strategy if ownership, title, and the borrower meet the new lender’s requirements at that time. It is not guaranteed by closing probate. Bridge terms are up to 36 months in most cases, with no pre-payment penalty. The plan may instead involve selling the property or repaying from other verified funds.
Yes. I coordinate the financing review with your probate attorney and title team. Your attorney advises on estate law, ownership, homestead issues, and authority to act. I handle the lending review. I am Miami-based and review properties throughout Florida.
Sí. Podemos revisar la propiedad, los pagos atrasados, la compra de la parte de otros herederos y el plan para pagar el préstamo en español. El crédito no forma parte de la calificación para estos programas basados en la plusvalía. La aprobación depende de la revisión del prestamista y de la documentación legal y de título.
Talk it through
Estates are stressful and every family is different. Call, text, or WhatsApp — I'll tell you honestly whether financing helps your situation, and what the numbers look like. Free, confidential, no obligation.