Behind on your mortgage in Jacksonville? Know your options.

If you've missed mortgage payments or received letters from your lender, it's easy to feel stuck. The most important thing is not to ignore it. Renovate & Elevate Property Solutions LLC talks with homeowners in Jacksonville and across Duval County who are behind on payments. Selling the house may be one option for some people, but it isn't the only one, and it isn't right for everyone.

Get trusted advice first

• Talk to your lender or loan servicer. Ask what options they offer for homeowners who are behind.
• Talk to a HUD-approved housing counselor. You can find one with the Consumer Financial Protection Bureau's housing counselor tool.
• Talk to an attorney if you've been served with court papers or have questions about your rights. The Florida Bar Lawyer Referral Service can help you find one.

We're not attorneys, lenders or counselors, and we can't give legal or financial advice or tell you how your lender will respond. We can't stop a foreclosure, and nobody should promise you that they can.

Common paths homeowners explore

Depending on the loan, the lender and your situation, homeowners often ask about catching up on missed payments, changing the loan terms with the lender, selling the house, or other options their lender or attorney may describe. Each path has its own requirements, costs and consequences, which is why outside advice matters.

Where we may fit

If you decide selling is the right move, we may be able to buy your house directly and in its current condition. A direct sale avoids showings and repairs, which some homeowners find helpful when time matters. We'll look at your house and your goals, explain any offer clearly and in writing, and encourage you to review it with your attorney or counselor before you sign anything. You're never under any obligation.

Be careful of scams

Be cautious of anyone who guarantees they can save your home, asks for large fees upfront, or tells you to stop talking to your lender. A HUD-approved housing counselor or attorney can help you check whether an offer is legitimate.

Reach out when you're ready

Tell us about your house and where things stand. We'll listen first, with no pressure.