Facing Foreclosure in Florida? Get Free Help | Shoreline Negotiation Group

If Any of This Sounds Like You, We Can Help.

Behind on mortgage payments Received a foreclosure notice Lost a job or had income drop Going through a divorce Medical bills piling up Tried a loan modification and got denied Underwater on the home Just don't know what to do next

Whatever brought you here, you're not out of options. Most homeowners in hardship don't realize how many paths exist — and which ones can protect their credit, their dignity, and their future. That's exactly what we help you figure out, for free.

We're on Your Side. Not the Bank's.

Shoreline Negotiation Group is a consumer advocacy firm. We don't work for lenders. We don't take upfront fees. We work entirely on behalf of homeowners facing difficulty — helping them understand their situation, know their rights, and choose the path that's best for them.

When you call us, you won't be handed a brochure and pushed toward one solution. You'll talk to someone who knows Florida real estate law, understands how lenders think, and has helped Florida families navigate some of the hardest moments of their financial lives.

Free Advocacy

We represent your interests, not the bank's. Our consultation is free, and we don't charge homeowners out of pocket.

All Your Options

We walk you through every realistic path — from catching up on payments to negotiating with your lender — so you can decide with full information.

Florida Local

We know this state. We know the diverse markets, the lenders active from the Panhandle to the Keys, and what's actually working for Florida homeowners right now.

There Are More Paths Forward Than You Realize.

Every homeowner's situation is different. We help you figure out which path is right for your specific circumstances.

Stay and Catch Up

If your hardship is temporary, there may be repayment options that let you stay in your home.

Loan Modification

Your lender may be willing to change the terms of your mortgage — reducing your rate or extending your timeline.

Negotiated Sale

Selling for less than you owe can permanently resolve the debt with less credit impact than foreclosure.

Deed in Lieu

Some lenders will accept the property back directly, without a full foreclosure process.

Bankruptcy Guidance

In certain circumstances, a bankruptcy attorney may be the right next call. We'll tell you honestly if that's the case.

→ See All Your Options in Detail

The Longer You Wait, the Fewer Options You Have.

Florida's foreclosure process moves on a timeline — and once certain thresholds are crossed, some options close permanently.

If you've missed a payment, received a notice, or are just feeling the pressure build — this is exactly the right time to talk to someone.

→ Schedule Your Free Consultation — No Commitment Required

What Homeowners Are Saying

"I didn't know what to do. Until I spoke with Eric, I was sure I was going to lose my house to foreclosure. Eric provided me sound advice I couldn't find anywhere else. With their plan, I was able to reinstate my loan on time and keep my house. Thank you!"

— Kathy

"Before I spoke with Eric, I was stressed to the max! My father's house was being foreclosed on. I did not know what to do. After our conversation, Eric helped me speak with the mortgage company because my father had a reverse mortgage, and there could only be a few reasons as to why they were foreclosing. Eric was right! It was a simple document my father did not sign. Three months of agony was lifted off our shoulders because Eric provided us with the right advice."

— A. Smith

Start With a Free Conversation.

Our consultations are free, confidential, and carry zero obligation. We'll listen to your situation, explain your options in plain English, and give you our honest read on what makes the most sense.

→ Get Your Free Consultation