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UNITY ONE is a full service residential and commercial real estate and title company. We are located in Tampa, Florida. Our special focus is listing and selling real estate in the mortgage loan delinquency and foreclosure stages. We have a wide range of experience in dealing with the Florida mortgage foreclosure legal process and the requirements that a bank or mortgage lender will impose on their loss mitigation and REO (Real Estate Owned) departments. We provide real estate listing, selling, buying, closing, escrow and title insurance services as a bundled product to meet the often strict time frames and requirements of a bank or court during the mortgage foreclosure and short sale process.
If the real estate has no equity, a homeowner may still be able to avoid a Florida mortgage foreclosure judgment by listing the real estate with us for a preforeclosure or short sale. A short sale in real estate occurs when the outstanding loan balance against a property is greater than what the property can be sold for at fair market value. If a borrower owes more than the home is worth, or has very little equity in the home, it may be time for a short sale in order to avoid a Florida mortgage foreclosure judgment.
From the bank or lender's perspective, short sales save many of the costs associated with a Florida mortgage foreclosure lawsuit, such as attorney or lawyer fees, the eviction process, delays from the homeowner or borrower, delays from bankruptcy, damage to the property, as well as the cost associated with maintaining the property just to name a few. Banks and lenders know they could lose substantially more if the property goes all the way to auction, so it is sometimes better to sell the real estate now at its fair market value and get rid of a non-performing asset. Therefore, a bank or lender may sometimes decide to accept less than the full amount of a borrower's loan balance in certain situations. In turn, this provides the homeowner and borrower an opportunity to avoid or minimize the damaging affects of a mortgage foreclosure lawsuit. All of UNITY ONE'S fees will be paid by the bank or lender should we be successful in our efforts, otherwise you owe nothing for our efforts.
If you are delinquent in mortgage loan payments to the lender, have been served with a notice of foreclosure letter or have received a mortgage foreclosure complaint, you have a very short time to respond. In many cases, a homeowner and borrower may begin to lose precious legal rights in as little as twenty (20) days. Any delay may make the situation you are in worse, and if a borrower or homeowner fails to do anything at all, the situation may become the worst case scenario possible. Florida's mortgage foreclosure process will absolutely have serious, long lasting ramifications that you may have to deal with in the future, so it absolutely in your best interest to participate now while it is occurring. Your decision to participate now may preserve, protect and safeguard valuable legal rights affecting your future income, credit worthiness and income tax consequences. We know of experienced mortgage foreclosure defense attorneys who will assist you with your foreclosure lawsuit and assist with all the loss mitigation options for as low as $1.00 per day. Call us or e-mail us now to discuss how we can help you stop and avoid foreclosure. There are many options for you to pursue during the preforeclosure and foreclosure process. Below is a list of such possible options.
- Do Nothing
- Reinstatement Plan
- Repayment Plan
- Loan Modification/Loan Restructuring
- Loan Refinance
- Loan Forbearance
- Assumption
- Partial Claim
- Pre-Foreclosure Sales
- Short Sales
- Deed-in-Lieu of Foreclosure
- Chapter 13 Reorganization of Consumer Debts
 REALTOR®
 -Equal Housing Opportunity
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