Phil Aitken
Phil Aitken
Owner/Broker

Blog

Mortgage Forbearance Ending? What to Do If You Still Can’t Pay

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Watching a mortgage forbearance period expire while your finances have not recovered is one of the most stressful situations a homeowner can face. The fear of a massive lump-sum payment, the uncertainty about what comes next, and the worry about losing your home can feel overwhelming. But homeowners in this situation have more options than […]

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How Late Can You Be on a Mortgage in Florida Before Foreclosure Starts?

Your Home Sold Guaranteed Realty - Phil Aitken Home Team

Missing a mortgage payment in Florida can feel like the ground is shifting beneath your feet, but federal law gives most homeowners significantly more runway than they realize. Under rules established by the Consumer Financial Protection Bureau, lenders cannot legally begin the foreclosure process until a borrower has missed at least 120 days of payments. […]

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Who Pays for a Short Sale in Florida? What Jacksonville Homeowners Need to Know

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When a Jacksonville homeowner owes more on their mortgage than their home is currently worth, the financial pressure can feel overwhelming. A short sale is one potential path forward, but many distressed homeowners hesitate because they fear the out-of-pocket costs. Understanding who actually pays the fees, commissions, and closing costs in a Florida short sale […]

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The Most Common Obstacles With Short Sales in Florida: A Jacksonville Homeowner’s Guide

Your Home Sold Guaranteed Realty - Phil Aitken Home Team

Navigating the most common obstacles with short sales can feel overwhelming, especially when you are already dealing with financial hardship and the looming threat of foreclosure. In Florida, these challenges carry additional layers of complexity because of the state’s judicial foreclosure process, aggressive HOA lien collection practices, and strict lender documentation requirements. Jacksonville homeowners face […]

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What is the Process for a Short Sale in Jacksonville, FL?

Your Home Sold Guaranteed Realty - Phil Aitken Home Team

Facing financial hardship while owning a home can feel overwhelming, but understanding the Jacksonville short sale process gives distressed homeowners a clear, structured path forward. A short sale allows Duval County homeowners who owe more than their home is worth to sell the property with lender approval, settling the debt for less than the full […]

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How Do You Stop Foreclosure in Jacksonville Florida?

Your Home Sold Guaranteed Realty - Phil Aitken Home Team

Facing the possibility of losing your home to foreclosure is one of the most frightening experiences a Jacksonville family can endure. The good news is that Florida’s legal framework actually gives homeowners more time and more options to stop the foreclosure process than most people realize. From lender workouts and loan modifications to short sales […]

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What Documentation and Qualifications Do You Need to Get Your Lender to Approve a Short Sale?

Your Home Sold Guaranteed Realty - Phil Aitken Home Team

Navigating a short sale in Jacksonville requires understanding exactly what documentation your lender expects and which qualifications you must meet before approval is granted. Homeowners across Duval County often discover that the requirements go well beyond a signed purchase contract, and that missing even one document can halt the entire review process. Florida’s judicial foreclosure […]

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