Hands-on advocacy across Florida and Maryland.
Facing foreclosure? You have more options than you think.
SwiftHome Solutions helps homeowners stop foreclosure, restructure their mortgage, and protect their equity — with a free, no-obligation consultation.
Speak with a specialist
● Available now · Mon–Sat · 8am–8pm
(813) 303-0472
Florida
(301) 888-7899
Maryland
or
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$0
Upfront fees, ever
Free
Equity audit & consultation
FL · MD
Primary service areas
All 50
States supported
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Ever
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You are not alone
Foreclosure happens to good people. Acting early is what makes the difference.
1 in 200
U.S. homeowners face foreclosure each year. You are not alone — and you are not out of options.
30 days
behind on payments can begin the foreclosure clock. The earlier you act, the more options you have.
5+ paths
exist to halt foreclosure — modification, forbearance, short sale, deed in lieu, and more.
How it works
From your first call to a resolved mortgage — usually within weeks.
Free 15-minute consultation
Tell us where you stand. No paperwork. No pressure. No fees.
We review your full situation
Income, mortgage, hardship, timeline. We pinpoint the best path forward.
We negotiate with your lender
Our specialists work directly with your servicer to halt the process.
You stay in your home — or exit on your terms
A clean outcome, protected credit, and peace of mind.
What we do
Thirteen proven paths to protect your home, your equity, and your future.
Every homeowner's situation is different. We'll help you choose the right one.
When Plan A didn't work
Already tried something — and you're still in trouble?
You are not out of options. Most of the homeowners we help have already tried at least one solution that fell through.
Bankruptcy didn't work out
Case dismissed or discharged but foreclosure is back? We pick up where the stay ended and map a new path forward — fast.
Loan mod raised your payment
Capitalized arrears and longer terms can leave you worse off than before. We appeal, re-apply, or pivot to a strategy that actually lowers what you owe each month.
Foreclosure dismissed and re-filed
An expired case doesn't wipe the debt — it just resets the clock. We use that window to negotiate a real solution before the refiling lands.
Know exactly where you stand
The foreclosure timeline — and where you still have options.
Every stage has a different playbook. We can help at any of them — but earlier is always better.
- 01
Missed payment
Day 1–30What happens
You miss your first mortgage payment. Late fees start to accrue. The servicer is not yet allowed to file foreclosure paperwork, but the clock has started.
Your options
Call your lender or call us. A single missed payment is the easiest stage to recover from.
- 02
Notice of default (NOD)
Day 90–120What happens
After roughly 90 days behind, the servicer can record a Notice of Default. This is a public filing — and the start of investor solicitations hitting your mailbox.
Your options
Loan modification, forbearance, repayment plan, and reinstatement are all still on the table. This is the sweet spot for negotiation.
- 03
Notice of sale
Day 120–180+What happens
If the default isn't cured, the lender records a Notice of Sale and sets an auction date. Exact timing depends on whether your state is judicial or non-judicial.
Your options
Short sale, deed in lieu, expedited cash offer, a last-chance modification, or a properly-timed bankruptcy filing can each pause or replace the auction.
- 04
Auction / trustee sale
Sale dateWhat happens
The home is sold at public auction to the highest bidder, often the lender. Any equity in the home typically transfers to the buyer, not to you.
Your options
Even at this stage there are sometimes options — reinstatement up to the day before sale, an emergency bankruptcy filing, or a fast cash close. Call immediately.
- 05
Eviction / REO
After saleWhat happens
Once the sale closes, the new owner can begin the eviction process. The home is now classified as REO (real estate owned) on the lender's books.
Your options
Cash-for-keys negotiation, relocation assistance, and a clean exit plan to protect what credit and savings you have left.
Estimate your savings
What could a loan modification actually save you?
A rough estimate based on your numbers. Real modifications are negotiated case-by-case with your servicer — call us for an exact projection.
Current payment
$2,069/mo
After modification
$1,419/mo
Estimated savings
$650/mo
~ $7,805 per year
For illustrative purposes only. Actual modification terms depend on your lender, loan type, hardship, and current market conditions.
Our promise
Free consultation. No upfront fees. Always confidential.
You'll never pay a dime to speak with us. We'll only recommend a path forward if we believe it can genuinely help — and we'll never pressure you into anything.
Why homeowners choose us
We're an advocate, not a servicer trying to collect.
Real specialists, not a call center
Every call is answered by someone who handles foreclosure cases every day — not a script-reading rep who transfers you three times.
Plain-English answers
No legal jargon, no servicer-speak. We explain exactly where you stand and what each option actually means for your timeline and credit.
We tell you the truth, even when it's not what you want to hear
Sometimes the right move is to keep the home. Sometimes it's to sell and walk away clean. We'll tell you which, even if it costs us a sale.
Zero upfront fees, always
You don't pay to talk to us, ever. If a service has a fee, you'll see the number in writing before you commit to anything.
Referral network
One call connects you to everything you need.
Stopping foreclosure is one piece. Moving on — packing, selling, filing, relocating — takes a whole team. Ours is already built.
Listing Agents
Top local real estate agents
We work with experienced agents from Keller Williams, eXp Realty, and other top brokerages who specialize in distressed-timeline sales. They know how to price right, move fast, and coordinate with loss-mitigation departments. No cold introductions — every agent is vetted.
- Agents from Keller Williams, eXp Realty, and leading local brokerages
- Agents who have closed distressed-sale listings in your market
- Coordination with your lender's timeline built into the listing strategy
- Net-proceeds projections shared before you sign a listing agreement
Cash Investors
Vetted cash buyers
Not every investor who calls you after a foreclosure filing is trustworthy. Ours are pre-screened, funded, and accustomed to closing quickly — without the lowball tactics. We run a competitive process so they're bidding against each other, not against your desperation.
- Proof-of-funds verified before any offer is presented
- Competitive multi-buyer process to push offers toward fair market value
- Rent-back / leaseback options for homeowners who need time to relocate
- Close in as little as 14 days when the timeline demands it
Junk Removal & Cleanouts
Move-out and cleanout crews
Leaving a home — especially in a hurry — generates a mountain of stuff. Our referral partners handle full-property cleanouts, junk removal, donation drops, and dump runs. We coordinate the timing so you're not scrambling a week before the handover date.
- Full-property cleanouts for vacant or partially emptied homes
- Junk removal and dump truck coordination
- Donation-drop coordination for usable furniture and appliances
- Available on short notice when auction timelines compress
Bankruptcy Attorneys
Licensed bankruptcy attorneys
When a bankruptcy filing is the right move to pause a foreclosure sale, we refer you to attorneys who understand both consumer bankruptcy and mortgage law — not just general-practice lawyers who file Chapter 7s. The timing of a filing matters enormously; our referral partners know how to coordinate with your servicer.
- Chapter 7 and Chapter 13 specialists in your state
- Automatic-stay timing coordinated with your foreclosure date
- Pre-referral review with us so you understand the trade-offs first
- Flat-fee and payment-plan options available with most partners
How referrals work
We don't charge you for introductions. Partners earn a referral fee — not from your proceeds, not as a fee on your loan, and not by inflating their quote.
You always see the partner's price before committing to anything. Our only goal is getting you the best outcome — if a partner's quote isn't competitive, we'll tell you.
We negotiate with every major mortgage servicer
Don't see your lender? We work with every U.S. mortgage servicer — call us with your servicer's name.
Where we work
Local depth in Florida, Maryland, the Carolinas & Atlanta. Nationwide reach when you need it.
Primary service area
Florida
On-the-ground experience with HOA foreclosures and Florida's judicial process. Serving all 67 FL counties.
Primary service area
Maryland
Active case work across all 24 Maryland jurisdictions including Baltimore City and DC-adjacent suburbs.
Primary service area
North Carolina
Non-judicial trustee process with a 10-day upset-bid period. We help homeowners act before the sale date.
Primary service area
South Carolina
Judicial foreclosure state — we work with the court timeline and mediation options to protect your home.
Primary service area
Georgia
One of the fastest non-judicial timelines in the country. Act fast — we know how to move quickly in GA.
Outside FL or MD?
We also accept cases from homeowners in all 50 states. If your situation is outside our primary service areas, we coordinate with vetted local partners — attorneys, agents, and cash buyers — while we stay involved as your advocate.
Homes we've helped
Real situations. Real outcomes.
A sample of the homeowners we've worked with across the country. Explore homes in their area on Zillow.
Situation: HOA foreclosure, $14,200 in unpaid dues and fees
HOA lien negotiated down by 63% — seller kept the home, mortgage untouched
See homes in Orlando, FL on ZillowSituation: Medical bills, 3 months behind, servicer unresponsive
Forbearance approved, repayment plan structured over 18 months
See homes in Orlando, FL on ZillowSituation: Job loss, Notice of Default received
Loan modification approved — rate reduced, term extended, home retained
See homes in Parkville, MD on ZillowSituation: Behind 5 months, investor offers coming in daily
Equity Protection Program — sold to vetted buyer $38k above investor offers
See homes in Baltimore, MD on ZillowSituation: Owner passed away, widow couldn't cover mortgage alone
Auction stopped, home sold to vetted buyer, full relocation support provided
See homes in Capitol Heights, MD on ZillowSituation: Auction date set, overwhelmed with junk and belongings
Auction postponed, Equity Protection Program — seller walked away with $45k
See homes in Hyattsville, MD on ZillowSituation: Bankruptcy filed, needed coordinated sale before discharge
BK attorney referral + home sold clean within the bankruptcy timeline
See homes in Middle River, MD on ZillowSituation: BK judgment threatening sale, relocation needed fast
Judgment dismissed, home sold, relocation support fully coordinated
See homes in Baltimore, MD on ZillowOutcomes are illustrative of the types of cases we handle and details are anonymized to protect client privacy. Individual results vary based on lender, loan type, and circumstances.
Real stories
Homeowners we've helped
Names abbreviated for privacy. Outcomes vary by lender, state, and situation.
“We were two payments away from auction. SwiftHome got us approved for a loan modification that cut our payment by $480 a month. We're still in our home.”
Maria R.
Phoenix, AZ
“Honest, patient, and they actually answered the phone every time. The forbearance plan they negotiated bought me six months to find a new job.”
James T.
Columbus, OH
“After my husband passed, I couldn't keep up. They handled everything with the lender and helped me sell on my terms — no foreclosure on my record.”
Linda C.
Tampa, FL
“I'd already gotten a notice. They walked me through a deed in lieu so I avoided a foreclosure on my credit and didn't owe a penny after.”
David W.
Charlotte, NC
“An investor offered me way under what my house was worth. SwiftHome got me a real valuation and a fair cash offer instead — I almost left that money on the table.”
Angela K.
Denver, CO
“Going through a divorce and behind on two mortgages felt impossible to untangle. They built a repayment plan that actually fit my budget.”
Robert S.
San Antonio, TX
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Common questions
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FL: (813) 303-0472
MD: (301) 888-7899
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Hours
Mon–Sat · 8am–8pm
Service areas
Florida · Maryland · NC · SC · Atlanta
Nationwide — all 50 states
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