FOR IMMEDIATE RELEASE
The Foreclosure Focus Explains the Pre-Foreclosure Window and How to Use It Wisely
📍 West Palm Beach, FL | 📞 (561) 941-4853 | 🌐 https://www.theforeclosurefocus.com
West Palm Beach, FL – April 30, 2025 – For homeowners struggling to keep up with mortgage payments, understanding the pre-foreclosure period is critical. It is during this time—after missed mortgage payments but before legal foreclosure proceedings begin—that homeowners still have powerful options to protect their home or prepare for next steps.
According to the foreclosure surplus recovery experts at The Foreclosure Focus, the pre-foreclosure window generally lasts 90 to 180 days. However, the exact duration can vary depending on:
- State-specific foreclosure laws
- Loan servicing timelines
- Lender responsiveness
- Loss mitigation program availability
During pre-foreclosure, lenders are required by law to provide homeowners with notices of default, loss mitigation opportunities, and a chance to resolve the delinquency before filing a formal foreclosure complaint or scheduling a sale.
🔍 What Happens During Pre-Foreclosure?
Once a borrower falls 30–60 days behind, the lender will begin internal collection efforts. If unresolved by around 90 days past due, the loan is officially marked as in default, and the borrower receives a Notice of Default or Breach Letter. This marks the formal beginning of the pre-foreclosure period.
Importantly, the Dodd-Frank 120-Day Rule prevents most lenders from initiating foreclosure before 120 days have passed—giving borrowers a critical window to act.
🛑 Your Options During Pre-Foreclosure
The Foreclosure Focus encourages homeowners to take action during this time, rather than waiting for court filings or auction dates. Options include:
- Loan Modification or Forbearance Request
- Short Sale or Deed-in-Lieu of Foreclosure
- Refinancing (if available)
- Negotiating a Payment Plan or Reinstatement
- Filing for Bankruptcy (Chapter 13) to delay sale
- Preparing to Claim Surplus Funds after Auction
💸 What If the Foreclosure Proceeds?
If the home ultimately goes to auction and sells for more than the debt owed, the homeowner may be entitled to surplus funds—often tens of thousands of dollars.
The Foreclosure Focus specializes in locating and recovering these funds on behalf of former homeowners, heirs, or legal representatives. These funds often go unclaimed because people simply don’t know they exist or how to access them.
🧭 How The Foreclosure Focus Helps
At The Foreclosure Focus, our team identifies homeowners during the pre-foreclosure phase and connects them with the resources they need—early intervention strategies, legal options, and surplus recovery assistance.
We are not a law firm—but we work alongside foreclosure attorneys, skip tracing experts, and real estate professionals to help homeowners navigate what can be one of the most stressful and confusing periods of their lives.
📞 Contact Us Today for a Free Pre-Foreclosure Review
Whether you’re behind on your mortgage, facing a foreclosure hearing, or trying to understand your options, our team can help.
Phone: (561) 941-4853
Email: [email protected]
Website: https://www.theforeclosurefocus.com
🔗 Learn more about surplus recovery, foreclosure defense, and your rights at:
https://www.theforeclosurefocus.com
What Is the Pre-Foreclosure Period?
Pre-foreclosure refers to the time after a borrower misses payments but before legal action begins. It typically lasts 3–6 months depending on the lender and state.
The Foreclosure Focus helps identify homeowners in this phase to stop foreclosure early—or assist in recovering surplus funds if the process proceeds.
