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How to Avoid Foreclosure in Cape Coral — and Protect Your Credit

October 21, 2025 |

foreclosure notice with keys

How to Avoid Foreclosure in Cape Coral — and Protect Your Credit

Financial hardship can happen to anyone — job loss, rising costs, or unexpected expenses can quickly create mortgage pressure. The good news? You have options. If you’re struggling to make payments on your Cape Coral home, taking early action can protect both your credit and your peace of mind.

Option 1: Contact Your Lender Early

Many lenders will work with you to explore forbearance, loan modification, or repayment plans — especially if you act before missing multiple payments. Keep records of all correspondence and ask about loss mitigation programs.

Option 2: Consider a Short Sale or Equity Sale

If keeping the home isn’t realistic, selling before foreclosure can minimize damage to your credit and preserve your financial stability.

  • Short Sale: The lender agrees to accept less than the full amount owed.

  • Equity Sale: You sell for market value and pay off your loan in full.

A certified agent experienced in distressed sales can negotiate directly with your lender and streamline the process.

Option 3: Know That You’re Not Alone

Many homeowners in Lee County face the same situation. With expert guidance, you can avoid foreclosure and move forward confidently.

Get your free Foreclosure Options Review: Schedule a confidential consultation with Miloff Aubuchon Realty Group today.

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