Call before you miss.
Your servicer usually has more options the earlier you call. The checklist tells you what to ask.
Free checklist for Florida homeowners
Need help with your mortgage? Start here.
Behind on your payment, or just stretched thin? This checklist shows who to call, in what order, and where the money is often hiding. No judgment.
- The calls to make, in order, if you're behind
- What to ask your servicer, word for word
- Red flags that mean someone is scamming you
- Where your payment may be leaking: escrow, insurance, PMI
- Options for credit card debt that can keep your first mortgage
No judgment. Just the right order.
Free help exists.
HUD-approved housing counselors work for you, not the bank, and their help is usually free.
Stretched, not behind?
In Florida, a payment jump is often escrow. Insurance and your homestead exemption are the first places to look.
Who's behind this
I'm Jason Kindler, President of First Coast Mortgage Funding. I've been doing this since 2001. I'll tell you the truth about your options, including when the answer is "wait."
Rather just talk? Call or text 904-734-3255 or book 15 minutes.