Are you falling behind on your mortgage payments in Northeast Florida? Whether you’re in Jacksonville, Orange Park, Middleburg, or anywhere across Duval, Clay, or St. Johns County, the threat of foreclosure is real—and it moves faster than most people realize.
In Foreclosure Fighters Episode 2, local real estate experts Chris Moore and Kady Andreoli walk through everything you need to know to stop foreclosure before it’s too late. If you’re searching for how to stop foreclosure in Florida, this episode is a must-watch.
🚨 Why You Shouldn’t Wait If You’re Behind on Your Mortgage
Foreclosure in Florida is a legal process that can cost you your home and your equity. The longer you wait, the fewer options you’ll have—and the more legal fees and penalties will pile up. That’s why we’re on a mission to help families across North Florida understand their rights, take action early, and avoid foreclosure scams.
In this episode, Chris and Kady break down:
✅ How foreclosure works – the timeline from first missed payment to the courthouse auction
✅ Judicial vs. non-judicial foreclosure – why Florida’s judicial process gives you time, but not unlimited time
✅ The cost of doing nothing – how legal fees eat away at your home’s value
✅ How to spot the difference between pre-foreclosure and active foreclosure
✅ What to do if your home is scheduled for auction
✅ How to handle the flood of mail, calls, and shady offers
✅ Real solutions: from loan reinstatement to short sales to working with local investors like us
📍 Foreclosure in Florida: What You Need to Know
Florida is a judicial foreclosure state, meaning your lender must take you to court before selling your home. This can work in your favor, giving you time to explore your options—but don’t be fooled into thinking you have forever.
In places like Jacksonville, Middleburg, and Green Cove Springs, we’ve seen homeowners lose their homes in as little as 6-8 months after missing payments. Once the court enters a final judgment, the auction gets scheduled—and your window to act gets smaller fast.
💰 Legal Fees & Foreclosure: The Hidden Danger
One of the biggest mistakes we see is waiting until it’s too late. When you delay, your lender adds thousands in attorney fees, court costs, and penalties. These fees eat away at your home’s equity—even if you were planning to sell.
This is especially painful for homeowners in fast-growing areas like Fleming Island, Oakleaf, and Mandarin, where equity is high. Losing tens of thousands in equity simply because you waited too long is avoidable.
🧭 Your Options to Avoid Foreclosure in Jacksonville and Beyond
You have more options than you think. In this episode, we explain:
- Loan Reinstatement – Pay the back amount in full and stop the foreclosure.
- Repayment Plans – Work with your lender to catch up slowly.
- Loan Modification – Permanently change your mortgage terms.
- Short Sale – Sell for less than you owe with lender approval.
- Deed-in-Lieu – Walk away without foreclosure on your record.
- Cash Sale or Subject-To Deal – Work with a local investor (like us) to avoid auction.
We specialize in creative solutions in Duval, Clay, and St. Johns Counties. Whether you want to keep your home or walk away without wrecking your credit, we’re here to help.
📺 Watch Foreclosure Fighters Episode 2 Now
In just under 7 minutes, Chris and Kady cover everything you need to understand your rights, spot foreclosure scams, and take back control of your situation.
▶️ Watch the full episode here
We break things down in plain language—no legal jargon—because real families in real situations deserve clarity, not confusion.
📞 Call or Text for Immediate Foreclosure Help
If you’re behind on your mortgage in Northeast Florida, don’t wait another day.
📱 Call or text Chris Moore at 904-606-9163
We’ve helped dozens of families in Orange Park, Jacksonville, Middleburg, and beyond navigate foreclosure, avoid scams, and keep their dignity.
We’ll walk you through your options—for free—and if we can help directly, we will. No pressure. No gimmicks.
🏡 About Foreclosure Fighters
Foreclosure Fighters is a local Northeast Florida initiative led by Chris Moore and Kady Andreoli, two real estate professionals who specialize in helping homeowners in distress. We’re not a national call center. We live here, work here, and serve the people in our community.
Subscribe to our channel for more real estate tips, foreclosure solutions, and local market updates:
🔗 Foreclosure Fighters on YouTube