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pre-Foreclosure

Compassionate Guidance from Certified Distressed Property Expert Sofia Marshall

Foreclosure Guidance You Can Trust

Are you facing foreclosure in Palm Beach County?

Receiving a pre-foreclosure notice can feel overwhelming — and you may be unsure what comes next. Please know that you’re not alone. With trusted, experienced guidance, there are ways to protect your credit, your equity, and your peace of mind.

Hi, I’m Sofia Marshall, a Broker Associate with Coldwell Banker Realty. For more than 25 years, I’ve helped South Florida homeowners navigate challenging real estate situations — including pre-foreclosures, short sales, and distressed property sales.

My mission is to explain your options and help you to choose the path that’s best for you and your family.

Understanding Your pre-Foreclosure Options

Every homeowner’s situation is unique, but you do have choices. Together, we’ll review your mortgage, financial circumstances, and timeline to find the best path forward. Whether it’s modifying your loan, arranging temporary relief, or exploring a short sale, my goal is to help you protect your credit, your equity, and your peace of mind.

Loan Modification

Restructure your mortgage with your lender for more manageable monthly payments and a sustainable plan.

Forbearance Agreement

Pause or temporarily reduce your mortgage payments while you stabilize your finances.

Short Sale Assistance

Sell your property (with lender approval) for less than what you owe — and avoid foreclosure on your record.

Other Custom Solutions

Every situation is unique. We’ll review your personal, financial, and property details to find the best strategy for your needs.

Understanding the pre-Foreclosure Process in Florida

pre-Foreclosure Timeline

Florida follows a judicial foreclosure process, meaning the lender must go through the court system before your home can be sold.

Here’s a simplified timeline:

1️⃣ Missed Payments: After ~90 days of missed payments, the lender issues a Notice of Default.

2️⃣ Lis Pendens Filing: The lender files a lawsuit (Lis Pendens), starting the court process.

3️⃣ Response Period: Homeowners have about 20 days to respond or work out a solution.

4️⃣ Judgment & Sale: If unresolved, a court judgment allows the home to be sold at auction.

5️⃣ Redemption/Relocation: After the sale, you may have limited time to vacate or redeem.

👉 Acting early — before judgment or auction — gives you more leverage and more potential solutions.

Real estate valuation and sale

1

Certified Distressed Property Expert (CDPE)

Extensive training in foreclosure prevention and short sales — guidance that’s both strategic and compassionate.

2

Private, No-Obligation Consultation

Your situation stays confidential. I’ll clearly explain all options so you can make informed decisions without pressure.

3

Local Market Knowledge

Over 25 years in South Florida real estate — I understand the current trends of the Palm Beach County market, from lender relationships to buyer demand.

4

Compassionate Support

My goal is to remove fear from the process. You’ll have someone who listens, explains, and stands with you every step of the way.

Get pre-Foreclosure Help With Sofia Marshall

Don’t wait until your foreclosure is finalized. The sooner you act, the more ways we can help you avoid foreclosure and protect your credit. Contact Certified Distressed Property Expert Sofia Marshall today for trusted pre-foreclosure guidance in South Florida.