Behind on Payments in Fort Myers? Here’s What to Do First

Falling behind on your mortgage is one of the most stressful experiences a homeowner can face. Whether due to job loss, medical bills, or inflation, the fear of foreclosure in Fort Myers can escalate quickly. But you do have options—and acting early makes all the difference.

Step 1: Understand Your Situation

Start by confirming how far behind you are:

1. 30 days late: You’ll likely be assessed a late fee and get a reminder notice.

2. 60–90 days late: You’ll get warning letters and calls from the lender.

3. 120+ days late: You may enter formal foreclosure proceedings.

Check your mortgage statements, credit report, and any notices from your lender to understand the current standing.

Step 2: Contact Your Lender

Many people avoid calls from the mortgage company, but this is the worst thing you can do. Instead, call them first. Ask about:

• Forbearance programs

• Loan modifications

• Payment deferrals

• Repayment plans

These programs can buy you time or even permanently restructure your loan.

Step 3: Know When to Sell

If your income has dropped permanently or you know you can’t catch up, selling may be your best option. Selling before foreclosure hits your credit gives you control over the outcome—and keeps you eligible to buy again in the future.

At Aventis Property Group, we help Fort Myers homeowners:

• Avoid foreclosure with quick cash sales

• Navigate lender negotiations

• Buy time to move with dignity

Real-Life Example – Fort Myers Seller Escapes Auction

James lost his job in construction and missed 5 payments. His lender set an auction date. We gave him a same-day cash offer, helped him stall the foreclosure process through our legal network, and closed in 8 days. He avoided eviction and had enough to rent a new place.

Why Work With Aventis

• We pay cash—no appraisals, no inspections

• We close in as little as 7 days

• We work with attorneys and negotiators to support your case

• No fees, no commissions

Final Thoughts

Falling behind doesn’t have to mean the end of homeownership. With the right support and a clear plan, you can take control of your next chapter.

Behind on payments in Fort Myers? Call Aventis Property Group today. Let’s explore your options—no pressure, just solutions.