Behind on Payments · Pre-Foreclosure

Behind on payments? Sell before the foreclosure sale — on your terms.

Florida foreclosures go through the court, which takes time. That window is your chance to sell, pay off the loan, and keep whatever equity you have instead of losing it at a courthouse auction.

The short answer

If your house is worth more than what you owe, a cash sale can close before the foreclosure sale: the title company pays off the lender at closing and you keep the rest. If you owe more than it’s worth, the lender has to approve a short sale. We’ll tell you which one you’re in.

4.8★ on Google · 13 reviews · AL Cakici, owner · 433 Central Ave, 4th Floor, St. Petersburg, FL 33701

Prefer to talk? Call or text (727) 258-3540

Get your cash offer

Takes 30 seconds. AL calls you himself — usually the same day. No obligation.

Your options, honestly

AL will walk you through all three. If selling to us isn’t your best move, he’ll say so.

How it works

  1. Share your situation. Your lender, roughly what you owe, and any dates on the letters you’ve received.
  2. Written cash offer with the loan payoff shown, so you see what you walk away with.
  3. Close before the sale date. The title company orders the official payoff and pays the lender. The case is dismissed once the loan is paid.

What we won’t do

We don’t ask for upfront fees, we don’t ask you to sign your deed over before closing, and we don’t promise to “stop” a foreclosure without a closing. If anyone asks you to do those things, slow down and get advice. We’re not attorneys; for legal questions about your case, talk to a Florida foreclosure attorney.

Straight Answers

Questions we hear a lot

How much time do I have?

It depends on where your case is. The court docket shows whether a final judgment and sale date have been set. The earlier you call, the more options you have.

Will selling hurt my credit?

A paid-off loan is generally far better for your credit than a completed foreclosure. Ask your lender or a housing counselor about your specific report.

Can I stay in the house until closing?

Yes. And we can talk about a later move-out date if you need a little time after closing.

What sellers say

Posted on Google

“I was skeptical at first when these guys approached me about my home, but they were very knowledgeable and straightforward. They did all the work. These guys know what it means to do good business, which is unfortunately rare nowadays.”

A
Andrew Z.
Google review, 2026
Posted on Google

“Working with HomeSellerCashOffer has been nothing but a positive experience. Al is extremely professional, transparent, and always a pleasure to work with. He communicates clearly, keeps the process smooth, and goes above and beyond to make sure everything stays on track”

M
Matthew N.
Google review, 2025
Posted on Google

“As an investor myself, I get bombarded from people trying to buy my houses. AL and his team were miles above anybody else that’s approached me, super knowledgeable, professional and transparent. Recommend to anyone that wants top tier service.”

J
Joshua H.
Google review, January 2026

Talk to AL — not a call center.

Straight answers first. If selling isn’t your best move, he’ll say so.

Get My Cash Offer →

Call or Text (727) 258-3540

HomeSellerCashOffer is the registered trade name of Tampete Homes LLC. Got a letter from Tampete Homes? Same owner, same office, same phone.