The case is filed (lis pendens)
A lis pendens means the lender has started a lawsuit. You still own the home. This is the best time to call: there is the most room to review equity, order a payoff and line up a plan before a judgment is entered.
Second Chances · Ocala · Belleview · Dunnellon · Marion County
ENESLeer en españolBehind on a home in Ocala or Marion County? Your equity may still give you options.
Marion County’s foreclosure rate has been among the highest of Florida’s larger metro areas in 2026. Behind those numbers are retirees whose insurance doubled, families in Marion Oaks and Silver Springs Shores whose income changed, and heirs who inherited a house along with its missed payments. If you have equity, there may be a way to pay off the delinquent loan and buy time to sell or refinance on your terms.
- NMLS #1615071
- Licensed in Florida
- Confidential · No judgment
- English / Español
Key facts: foreclosure help in Marion County
- Who
- Reinier Cancio, mortgage loan officer (NMLS #1615071) with Bold Mortgage (NMLS #386834), licensed throughout Florida.
- Where
- Ocala, Belleview, Dunnellon, Silver Springs Shores, Marion Oaks, Summerfield and the rest of Marion County.
- What
- Equity-based foreclosure bridge loans that can pay off a delinquent mortgage, up to 36 months in most cases, with no prepayment penalty.
- Court and sale
- Marion County cases are filed with the Clerk of Court in Ocala (Fifth Judicial Circuit); sales are held online at marion.realforeclose.com.
- Free help
- Community Legal Services, Ocala office, (352) 629-0105; HUD-approved housing counselors.
- Contact
- Call or text (305) 492-2404, in English or Spanish.
The Marion County process
What happens between a missed payment and a Marion County sale
Florida foreclosures go through the courts. In Marion County the case is filed with the Clerk of Court in Ocala, heard in the Fifth Judicial Circuit, and, if it reaches a judgment, the property is sold online. Each stage below is a point where financing can still be reviewed.
Judgment and a sale date
If the court enters a final judgment, it sets the sale. Marion County holds its foreclosure sales online; check the date on the Marion County foreclosure sale calendar, and the Clerk’s foreclosure sales page explains the process. Any financing has to close and deliver a verified payoff before that date.
Your right to redeem
Florida law generally lets an owner redeem, meaning pay what the judgment requires, until the clerk files the certificate of sale, unless the judgment sets a different deadline (Fla. Stat. § 45.0315). Confirm your exact deadline with your attorney; it is the line every plan has to beat.
If the house sells for more than is owed
When a sale brings in more than the judgment, there may be surplus funds, and the former owner may be able to claim them. Be cautious with anyone who contacts you offering to “recover” surplus for a large fee; ask your attorney or legal aid first.
What makes Marion files different
The situations I see most in Marion County
Retirees squeezed by insurance and taxes
In and around Ocala’s retirement communities, many owners have paid down most of their mortgage but live on fixed incomes. When homeowners insurance or association dues jump, a few missed payments can snowball. With strong equity, a short-term loan can reset the math while you decide whether to stay, downsize or sell.
Acreage, horse property and rural parcels
Marion County is horse country, and many homes sit on acreage, on wells and septic, or outside city limits. These properties can be harder to finance. Tell me the lot size, structures and use up front, so I can tell you quickly whether a lender will consider it.
Manufactured homes
A large share of Marion County housing is manufactured. Some capital partners finance manufactured homes on owned land and some don’t, and homes in leased-lot parks usually aren’t eligible. I’ll ask how the home is titled and whether you own the land before we spend any time on paperwork.
Newer lots in Marion Oaks and Silver Springs Shores
Many of these homes were bought recently, with less built-up equity. If the numbers don’t support a bridge loan, I’ll say so, and point you to a HUD-approved counselor or a sale strategy instead.
Inherited homes behind on payments
When a parent passes and the mortgage falls behind during probate, the estate can still be reviewed for financing, subject to the court and the personal representative’s authority. See probate and inherited-home loans.
Todo en español
Puedo manejar todo el proceso en español, desde la primera llamada hasta el cierre. Lea esta página en español.
Free help in Marion County
Free and official resources before you call anyone
You don’t need a lender to get good advice. These are free or official, and I recommend them to every caller.
- Community Legal Services (Ocala office). Free civil legal help for eligible residents. 1610 S.E. 36th Avenue, Ocala, FL 34471 · (352) 629-0105, by appointment · statewide helpline (800) 405-1417 · legalaccessforall.org
- Marion County Clerk of Court. Check your case and sale status. Foreclosure office: 110 NW 1st Ave., Ocala, 2nd floor, Room 203 · (352) 671-5510 · foreclosure sales information · sale calendar
- HUD-approved housing counselor. Free counseling on loan modifications, repayment plans and budgeting. Find a counselor through HUD
FAQ
Marion County foreclosure questions, answered
Can a bridge loan stop a foreclosure sale in Marion County?
Only if approved financing closes and the lender receives a verified full payoff before the sale, and even then the servicer and the court control the outcome. No lender can promise a sale will be stopped or postponed. The earlier you call, the more realistic the timeline.
Where do I find my sale date?
Check the Marion County foreclosure sale calendar, where sales are held online, and the Marion County Clerk of Court’s foreclosure office at (352) 671-5510 can help you find your case. Have your case number ready if you have it.
Do you finance manufactured homes or acreage in Marion County?
Sometimes. It depends on how the home is titled, whether you own the land, the lot size, and the capital partner’s guidelines. Homes in leased-lot parks usually don’t qualify. Call with the details and I’ll give you a quick yes, no or maybe.
How is this kind of loan qualified?
The review centers on the property’s equity, clear title, a verified payoff, the loan structure and a realistic exit: a later refinance if you qualify at that time, a planned sale, or another specific source of repayment. Every file is reviewed individually.
I’m retired on a fixed income. What are my options?
If rising insurance, taxes or dues are the problem, a bridge loan can buy time, but it isn’t the only tool. For homeowners 62 and older, a reverse mortgage may be worth comparing, and a HUD-approved counselor can review a repayment plan or modification at no cost.
Do you work in Ocala or only in Miami?
I’m licensed throughout Florida and based in Miami. Most of the process for Marion County files runs by phone, video and secure e-signature, with local title and appraisal.
Behind on payments in Marion County? Let’s see if your numbers work.
A free, confidential call: where the loan stands, roughly what the home is worth, and whether a foreclosure bridge loan fits. If it doesn’t, I’ll tell you, and point you to free help that can.