H3 • From late payment to foreclosure: the pipeline

H4 • 30–59 Days Late (Early-Stage Delinquency)

Most homeowners cure here. A budget reset or loan servicer call often fixes a short-term hiccup.

H4 • 60–89 Days Late

Servicers escalate outreach. Repayment plans, forbearance, or loan modifications come into play.

H4 • 90+ Days Late (Serious Delinquency)

This is the watch zone, but even here, today’s strong equity gives many owners the option to sell before a foreclosure filing.

H4 • Foreclosure Starts & Sales

Legal timelines vary by state. In Florida, owners often still have time to sell, refinance, or finalize a workout.

Bottom line: A higher delinquency reading doesn’t equal an immediate spike in forced sales. Equity cushions and workouts interrupt the pipeline.

H3 • Why 2025 is not a rerun of 2008

• Underwriting is tighter. Post-crisis standards mean stronger borrower profiles.
• Equity is robust. Years of price appreciation give owners exit options before foreclosure.
• Loss-mitigation is mainstream. Servicers use forbearance and modifications more effectively now.
• Inventory remains limited. Even distressed supply tends to be absorbed quickly in Broward County.

H3 • Buyers: How to use this intel

H4 • Watch, don’t wait

If rates ease or listings rise modestly, you’ll see more choice—not a flood. Have pre-approval ready.

H4 • Hunt the value pockets

We’ll target neighborhoods where new listings linger a bit longer—often your best negotiation window.

H4 • Compare new vs. resale

Builder incentives can rival price cuts. We’ll model both paths across Fort Lauderdale, Weston, Pembroke Pines, and Davie.

H3 • Sellers: Stay ahead of headlines

H4 • Price with precision

We account for seasonality and local absorption—then position your home to outrun nearby listings.

H4 • Win on condition

Minor repairs and staging beat chasing the market down. Ask for our prep checklist.

H4 • Offer strategic credits

Targeted closing credits can keep buyers engaged without large price cuts.

H4 • Market the lifestyle

Location still drives value—highlight parks, schools, and beaches in Hollywood, Plantation, Coral Springs, Sunrise, Miramar, and Tamarac.

How much is my home worth?

H3 • H5 FAQs

H5 • If delinquencies rise, should I wait to buy?

Not necessarily. Payment matters more than headline noise. Let’s align timing with your budget and life plans.

H5 • Could foreclosures jump?

They can fluctuate locally, but strong equity and loss-mitigation reduce large spikes. We track Broward micro-trends weekly.

H5 • I’m behind on my mortgage—what are my options?

Talk to your servicer about workouts, then call us. If selling is best, we’ll price to protect your equity and move fast.

H3 • Explore homes by city

Fort Lauderdale •
Pembroke Pines •
Weston •
Davie •
Plantation •
Coral Springs •
Sunrise •
Miramar •
Tamarac