Don't wait for
the notice.
If you are behind on payments or worried about a foreclosure in Central Florida, the worst thing you can do is wait it out in silence. The earlier you look at the real numbers, the more options you have. Kelly helps homeowners in this exact situation see what is actually possible, figure out which path protects them best, and move fast with a clear plan. He is not a lawyer and cannot promise outcomes, but he can sit down with you, run the honest math, and tell you where you really stand.
Your options depend
on three numbers
Panic makes the situation feel like one big wall. It is not. It is a short stack of numbers: what you owe, what the home is worth right now, and how far behind you are. Once those three numbers are on the table, you can see which paths are real and which ones are not, and that is the difference between guessing and planning.
Kelly will help you put those numbers together and walk through the realistic options, from catching up with the lender to a short sale to a traditional sale, and bring in a real estate attorney when the paperwork needs one. You will leave the first conversation knowing exactly where you stand and what your next step is.
- What you still owe on the mortgage
- What the home is worth today
- How far behind, and what it will take to catch up
The three numbers
No judgment, no shame, no drama. Just the honest picture.
You may have
more paths than you think
Which path is real for you depends on those three numbers and your lender's position. Here is how Kelly thinks through each one, with an attorney on the paperwork whenever the situation calls for it.
01
Catch up and stay
If the home is worth more than you owe and you can handle the catch-up, staying put may be the best move. Kelly helps you see if the numbers support it, and points you to the right people to work the payment plan.
02
Sell with equity
If you owe less than the home is worth, a sale can pay off the mortgage and put money in your pocket instead of handing the home to a foreclosure. The 1% listing fee makes that math better, not worse.
03
Short sale
If you owe more than the home is worth, a short sale means the lender agrees to accept less than the balance. It takes lender cooperation, expert paperwork, and an attorney in the loop, which is exactly how Kelly runs them.
04
Talk to the lender
Before anything else, your lender needs to hear from you. Kelly helps you understand what to ask and what to bring, so that conversation goes somewhere instead of nowhere.
Kelly Wheeler is a Realtor, not an attorney, and does not give legal advice. Foreclosure and short sale situations involve serious legal and financial consequences, and any decision should include a qualified real estate attorney and your lender.
Every week
changes the math
Foreclosure has a clock, and the clock does not care how stressed you are. The earlier you act, the more room the lender has to work with you, the more options stay on the table, and the more control you keep over the outcome. Waiting is never a strategy; it is just a way of giving up options one by one.
Kelly's job in the first conversation is simple: get the three numbers on the table, tell you honestly which paths are real, and help you move on the best one this week, not next month. If selling is part of the answer, his 1% listing fee and Easy-Exit agreement mean you are not pouring money into commissions while you are already underwater.
Straight answers
Can I sell my home if I am behind on payments?
Maybe. It depends on how far behind you are, what you still owe, and what the home is worth right now. An honest, no-drama look at the numbers will tell you whether selling is on the table and what it could net.
What options do I have before foreclosure?
Options can include catching up the payments, working with the lender, a short sale, or a traditional sale if there is equity for the numbers to work. Kelly helps you see the realistic paths and get a clear plan fast, because timing matters.
What is a short sale?
A short sale is when the lender agrees to accept less than what is owed on the mortgage, usually because the home is worth less than the loan balance. It takes lender cooperation and expert paperwork, which is why you want someone who has done them before, working with an attorney and your lender.
How fast do I need to act?
The sooner the better. Every option, from catching up with the lender to a sale, is easier and more flexible the earlier you start. Waiting does not help. Getting the real numbers in front of you does.
Does the 1% Listing Program apply to my situation?
Yes, the 1% listing fee applies to a foreclosure-adjacent sale just like any other: 1% of the sale price, or a flat $3,995 for homes under $400,000, with the Easy-Exit Listing Agreement and the 25% Buyer Agent Commission Gift on your next home.
Your situation is
one of four
Four offers. One seller.
Whatever situation brought you here, the package is the same: the 1% listing fee, the Easy-Exit Listing Agreement, a transparent 1% fee on the buyer side when Kelly finds the unrepresented buyer, and the 25% Buyer Agent Commission Gift on your next home.
1% Listing Fee
Full-service listing at 1% of the sale price, or a flat $3,995 for homes under $400,000. Keep the difference as equity.
Easy-Exit Listing Agreement
Cancel the listing any time, no penalty, no lock-in. The risk stays on the listing, where it belongs.
1% Buyer-Side Fee
When Kelly finds the unrepresented buyer and writes the offer, the buyer-agent fee is only 1%, versus the typical 2.5-3%. That saves them thousands more.
25% Buyer Agent Commission Gift
Sell with Kelly, then buy your next home with him, and he gifts 25% of his buyer agent commission at closing. It can pay back most or all of what you paid him to sell.
Get the honest picture
this week
Share what is going on in the message and Kelly will come back with a value read, a straight look at the paths, and the names you need on your team. No shame, no pressure, just a plan.
Book a call
Get A Clear Plan
Tell Kelly where things stand and your timeline. He will come back with the realistic paths and the next step.
Act now, while options are open.
Honest numbers, real paths, and a 1% listing fee if a sale is the answer, backed by the Easy-Exit agreement.
Realtor · SL3352000 · eXp Realty · Central Florida