For Attorneys · Miami & South Florida
Foreclosure defense, probate, family law, bankruptcy — you regularly sit across from clients whose problem isn't legal, it's liquidity. The bank won't refinance them, the deadline is real, and the equity is sitting there unusable. I structure equity-based bridge and estate loans that pay off delinquent mortgages before the sale date, fund heir and spousal buyouts, and clear arrears during probate — coordinated with you, on your case's timeline.
Practice Areas
Your client is months behind with six figures of equity, and the defense is buying time — for what? A foreclosure bridge loan gives the case an endgame: full payoff before the sale date, case dismissed, client housed. I can produce payoff-backed numbers you can point to in negotiations.
Inherited homes with arrears, four heirs and one who wants to keep the house, an estate with expenses and no liquidity. Probate and estate bridge loans fund heir buyouts and clear delinquencies while the case is open — coordinated with the personal representative and with you.
One spouse keeps the marital home and needs to buy out the other — but the divorce itself wrecked their qualifying picture. Equity-based financing can fund the buyout now, with a planned refinance to conventional once the dust settles.
A Chapter 13 debtor with equity who'd be better served paying off the mortgage entirely, or a client for whom refinancing beats filing at all. I'll run the numbers with you before your client commits to either path.
A two-minute scenario: property address, estimated value, payoff or arrears figure, and the deadline. You'll get a same-day read on whether it works — a real yes, or a fast no with the reason.
You stay the quarterback. I brief you at every milestone — valuation, approval, clear-to-close — never contact your client with anything that touches strategy, and put timelines in writing so you can rely on them in court. After closing, I stay with the client through the refinance exit.
Attorney FAQ
No — RESPA prohibits paying or receiving fees for mortgage referrals, and I don't work around it. What you get instead is a client whose problem actually got solved, briefed status updates so you're never surprised, and a resource you can cite when the plan is "payoff before the sale date." Your client's outcome is the value.
Because qualification is equity-based, underwriting is dramatically faster than a bank refinance — days to a few weeks depending on title work and the payoff figure. When a sale date is set, I need the payoff quote, a title search, and access for a valuation. The earlier in the case you call, the more certain the timeline.
Often, yes. Probate and estate bridge loans are secured by the property's equity and coordinated with the personal representative and counsel — clearing arrears on inherited homes, funding heir buyouts, and covering estate expenses while the case is open. Court approval requirements depend on the estate; I work within whatever the court and you require.
Yes, and quickly. If there isn't enough equity, or selling clearly beats borrowing, I say so in the first conversation — to the client and to you. A referral relationship only works if you can trust that your client won't be sold a loan that doesn't serve them.
Completely — consultation, documents, and closing can all be done in Spanish. For many South Florida firms that's the difference between a client who understands the plan and one who signs confused.
Send the scenario — address, value, payoff, deadline. Same-day read, straight answer. If it doesn't work, you'll know why in one email instead of three weeks of maybe.