What makes Duk Homes different from our competitors?

One word sets us apart: Performance. We provide consumers a large magnitude of Short Sale Services. Our team works with folks branching out over the State of Florida; from the Florida Keys to Jacksonville. We are the answer to the foreclosure nightmare spread across the whole US of A. Duk Homes can make a huge difference in your life. You pay nothing for our services. That’s right! No out of pocket required to come to the closing table on your Short Sales. Not one thin dime, not one nickel required.

Why Working With Duk?

Our team has the Short Sale process down pat. Read on to discover for yourself how we can help you pull you and your family out of the foreclosure nightmare

When you become a client of ours, upon qualifying, you will have the benefit of a licensed Florida law firm specializing in Foreclosure Defense. Isn’t it time you had someone in your corner watching your back? You heard right Foreclosure Defense. When you qualify we will pay the law firm from the proceeds of the transaction to represent you. The firm is: www.ConsumerLawyersofAmerica.com

Regardless of the type of representation the law firm offers, it will be the law firm representing each of our clients as we present your package to the bank. Most of you reading this have had the unpleasant experience of dealing with your lender. You’ve probably walked away in disgust or anger and confusion. Don’t let this negative experience keep you from taking action now to turn the tables in your favor. Others of you may have waited on the phone for hours on hold trying to speak with anyone that would answer a few questions for you or give you the help you need. Most, if not all, your efforts were ignored. You’ve tried to work out a business solution when dealing with these institutions. Enough is enough! Isn’t it time you had some representing your needs and working with you to come to a sound solution instead of putting you and your family on hold indefinitely. Duk Homes works with the law to serve our clients. You’re #1 with us because this is how we want to be treated too.

Short Sale

Another advantage of working with Duk Homes is our close association with New Avenue Investment Group. Our involvement with this investment group gives us direct access to a ready buyer willing and able to purchase most properties in Florida. Call us today to see if your house qualifies as a purchase option by New Avenue Investment Group. This group is a cut above the rest. They, in conjunction with Duk Homes, submit an offer on your property within 14-days of receiving your paperwork. We are fast, efficient, dependable, and won’t give you the run around like the lenders.

Upside down?

This may read like a silly question, but if you were not upside down then there is a good chance you wouldn’t be reading this nor needing our services. The real question becomes: What do we do now? Why make a simple process complicated? There are many exit strategies available. You will have the benefit of a one-on-one consultation with an Attorney at Consumer Lawyers of America (telephone consultations available). Consumer Lawyers of America will evaluate a number of factors pertaining to your case, for instance:

  • Foreclosure Defense
  • Chapter Seven Bankruptcy
  • Asset Protection
  • Short Sale Execution

After your consultation you will be better equipped to decide what direction best fits your situation. Ignoring your current state isn’t going to make the matter any better. Change your circumstances now by taking direct action for the better. Spending your valuable time reacting to others attempts to derail you isn’t going to get you where you need to go. You deserve better and Duk Homes is going to see you get it!

Call Us Today For a FREE Consultation

To say we feel your pain is an understatement. We’ve helped people just like you. We can help you too. Call us today for a brief, honest conversation to see if we can help you and your family. The phone number listed on this website is a cell phone with ready access to a real voice on the other end of the line. Our commitment to you is 24-7, twenty-four hours a day, seven days a week. We won’t give you a cold, lifeless voice on the other end of the phone line. Not when your whole world is crumbling around you. We understand the pain of losing a home, what is for most of us, our most treasured investment. Someone once said, “Don’t put off tomorrow what you can do today.” Pick up the phone and call us now.

A Professional Short Sale Solution

We don’t offer general realtor services. What we do is specialize in the Short Sales process. For example, if you have a property anywhere in Florida, Duk Homes will assist you in the Short Sale process. Some folks in the industry claim to be a Short Sale solution, but we unlike them, have the resources and the means to get you out of your bad situation and give you the Short Sale Solution. We said it and we mean it!

Call Us Today For a FREE Consultation 561.926.1190

Solutions to Foreclosure

The current U.S. housing melt down and financial crisis has caused a amazing stress for many American families. And the lenders and those serving the loan certainly don’t make it easy. Foreclosure should be avoided at almost any cost. The reasons are many, but suffice it to say Foreclosure should not be an option and many time may be avoided. Florida residents have many options available; following is a brief explanation of these solutions, including their benefits and drawbacks:


A reinstatement is the simplest solution to ward off a foreclosure. It can be the most difficult. The homeowner obtains the figures from the lender, pays the amount owed on the mortgage and brings it up-to-date. This move doesn’t require the lender’s approval and it will reinstate a mortgage up to the day before the final foreclosure sale.


Does not require the mortgage company or lender’s approval.


Requires a homeowner be able to pay all back payments, fines and fees

Forbearance or Repayment Plan

A forbearance or repayment plan involves the homeowner negotiating with the mortgage company to allow them to repay back payments over a period of time. The homeowner makes their current mortgage payment in addition to a portion of the back payments they owe.

Mortgage Modification

A mortgage modification involves the reduction of one of the following:

  • The interest rate on the loan
  • The principal balance of the loan
  • The term of the loan
  • A Short Sale occurs when a negotiation is entered into with the homeowner’s mortgage company (or companies) to accept less than the full balance of the loan at closing. A buyer closes on the property, and the property is then sold short of the total value of the mortgage

This, typically, results in a lower payment to the homeowner and results in a lower, more affordable mortgage.


Reduces the payment a homeowner is required to make on a monthly basis and may reduce the principal balance of the loan.


Requires a homeowner qualify for the new payment and will often require full documentation. Lender has to be actively pursuing modification.

Rent the Property

A homeowner with a low enough mortgage payment may opt to rent the property. Market rent will then allow the mortgage to be paid to the lender.


Allows homeowner to keep property indefinitely.


The issues arising with rental property are many, and rent often doesn’t cover the full cost of property ownership and maintenance.

Deed in Lieu of Foreclosure

Deed in Lieu of Foreclosure is also known as a friendly foreclosure. A Deed in Lieu allows the homeowner to return the property to the lender rather than go through the foreclosure process. Lender approval is required for this option, and homeowner must vacate the property.


Many times in a successful Deed in Lieu, the lender will forego their right to deficiency judgment.


Requires a homeowner vacate the property, and a deed in lieu may be reported to credit bureaus as a foreclosure.


In some states and situations, many have considered and marketed bankruptcy as a foreclosure solution. However, this is only true in some states and in some situations. If the homeowner has non-mortgage debts that cause a shortfall of paying their mortgage payments, and a personal bankruptcy will eliminate these debts, then this may be a viable solution for you.


Doesn’t require lender approval.


Homeowners may be able to refinance their mortgage if they have sufficient equity in their property and their credit is still in good standing.


Homeowners may be able to refinance their mortgage if they have sufficient equity in their property and their credit is still in good standing.


This will lower payments in some instances.


A refinance, in today’s market, will almost always raise mortgage payments, and is an expensive process.

Servicemembers Civil Relief Act

(military personnel only)

If a member of the military is experiencing financial distress due to deployment, and can show their debt was entered into prior to deployment, they may qualify for relief under the Service Members Civil Relief Act. The American Bar Association has a network of attorneys that will work with service members in relation to qualifying for this relief.


If qualified, this will lower payments on all consumer debt in addition to mortgage payments.


Must be active military to qualify.

Sell the Property

Homeowners with sufficient equity can list their property with a qualified agent that understands the foreclosure process in their area.


Allows homeowner to avoid foreclosure and harvest some of their equity.


Homeowners, in many cases today, don’t have sufficient equity to sell their property without negotiating a Short Sale

Short Sale

When a homeowner owes more on their property than its current value, then they can hire a qualified agent to market and sell their property through the negotiation of a Short Sale with their lender. To qualify: This typically requires the property be on the market. Additionally, the homeowner must be experiencing a financial hardship. Hardship defined: A Material change in the financial stability of the homeowner between the date of the home purchase and the date of the Short Sale negotiation. Acceptable hardships include, but are not limited to:

  • Mortgage Payment Increase
  • Job Loss
  • Divorce
  • Excessive Debt
  • Forced or Unplanned Relocation
  • Other


A Short Sale allows the homeowner to avoid foreclosure and allows the homeowner to salvage some of their credit rating. This move also keeps foreclosure off the individual’s record. The bonus is: It allows, in many cases, the homeowner to avoid a deficiency judgment. Moreover, borrowers may qualify for another mortgage in as little as 24-months (as opposed to five years for a foreclosure)


Short Sales can be a trying process in which a homeowner is best served by contracting with a qualified real estate agent to guide the way.
This represents only a summary of some of the solutions available to homeowners facing foreclosure. Don’t be the person who sits back and thinks everything will just work out on its own. We represent thousands of men and women like you, ordinary people tired of struggling to make ends meet. Isn’t it time you put one over on the lender instead of the lender putting one over on you? We can help you and your family not only survive the ordeal, but thrive from the ordeal and come out a winner. Please call us today at Duk Homes for a free confidential evaluation of your individual situation, property value, and we’ll go over possible options with you. We’re here to help. We’re on your side. We’re not ones to sit back and keep all the knowledge to ourselves. Give us a call at 561-926-1190 today!
Call Us Today For a FREE Consultation 561.926.1190

What is a Short Sale?

The explanation below will clarify in greater detail exactly what a Short Sale is and how it can be an excellent solution for homeowners who need to sell and who owe more on their homes than the market value. In the past, for instance, it was rare for a bank or any lender to accept a Short Sale. Today, however, due to overwhelming market changes, banks and all lenders have become more negotiable when it comes to these transactions. Too, recent changes in corporate policy and the Obama administration have also improved the chances of getting a Short Sale approved.

Here’s an official definition:

  • A homeowner is short when the amount owed on his or her property is higher than the current market value (as we emphasized above).
  • A Short Sale occurs when a negotiation is entered into with the homeowner’s mortgage company (or companies) to accept less than the full balance of the loan at closing. A buyer closes on the property, and the property is then sold short of the total value of the mortgage

To qualify for a Short Sale,

homeowners must fall into any or all of the following circumstances:
  • Financial Hardship
    • There is a situation causing you to have trouble affording your mortgage
  • Monthly Income Shortfall
    • You have more month than you have money
    • A lender will want to see what you cannot afford, or soon you won’t be able to afford your mortgage
  • Insolvency
    • The lender will want to see your don’t have significant liquid assets which would allow you to pay down your mortgage

Does this sound simple enough to you? It does, but it’s a complicated process and it takes the expertise of experienced professionals. We have on staff a CDPE® Designation. We are ready to identify all possible options for you, when possible, and quickly, professionally, courteously, and quickly execute a Short Sale transaction. You take your property and money seriously, and we take our commitment to you seriously too.

If you have questions, please don’t hesitate to call about Short Sale options. You may qualify. The consultation is Free. If you qualify there is no upfront, out-of-pocket to you, and it takes only a few moments of your valuable time to discuss the options available to you. Understanding your options now could mean all the difference in the world to you and your family. The good life you and your family always dreamed of isn’t lost to you. We have the knowledge and the tools you need to regain your footing and reclaim the American dream for you and your family. Don’t fall into the trap of being a skeptic. We’re a phone call away.

Call Us Today For a FREE Consultation 561.926.1190

Frequently Asked Questions

When coping with a new and challenging situation, it is understandable to have questions, especially when your home is at stake. Millions of homeowners, in reality, across this country are finding out the hard way they have more questions than answers. We trust the following information will help you better understand the circumstances. If you still have further questions after reading the answers below, or perhaps you’d like additional information or resources, then feel free to contact us. We’re here for you.

Do I qualify for a short sale?

The qualifications for a short sale include any or all of the following:

  • Financial Hardship
    • There is a situation causing you to have trouble affording your mortgage
  • Monthly Income Shortfall
    • You have more month than you have money
    • A lender will want to see what you cannot afford, or soon you won’t be able to afford your mortgage
  • Insolvency
    • The lender will want to see your don’t have significant liquid assets which would allow you to pay down your mortgage

What is a mortgage modification?

A mortgage modification is a process through which your mortgage lender changes any or all of the following:

  • Your interest rate
  • Your principal balance (through a reduction)
  • Your loan terms (example: from an adjustable to a fixed rate)

This process will allow borrowers to stay in their property when they can no longer afford their current mortgage payments.

Why would a lender modify my mortgage?

In some cases, lenders realize it is better for them to work with current borrowers to lower payments or possibly improve terms to keep homeowners in their properties. As the average foreclosure can cost the lenders upwards to 35-50% of the value of a property. Therefore, keeping borrowers in their homes is a win-win situation for everyone concerned.

What do I need to qualify for a mortgage modification?

You’ll find on the World Wide Web a website called Making Home Affordable. Their website is:
You will need the following information for y our lender to consider a modification:

  • Information about your first mortgage, such as your monthly mortgage statement
  • Information about any second mortgage or home equity line of credit on the house
  • Account balances and minimum monthly payments due on all of your credit cards
  • Account balances and monthly payments on all your other debts such as student loans and car loans
  • Your most recent income tax return
  • Information about your savings and other assets
  • Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources

It may also be applicable and helpful to have a letter describing any circumstances that caused your income to reduce or may have causes your expenses to increase. For instance:

  • Job Loss
  • Divorce
  • Illness
  • Other

How do I qualify for a mortgage modification?

The first call you should make should be to your lender. Have the information above ready to discuss with them. Call your customer service line to ask them what options you have available. If the person you speak with doesn’t grasp what you are asking or requesting, you may want to request you be referred to one of the following departments. Note: Different lenders have different names for theses departments.

  • Loss Mitigation
  • Mortgage Modification
  • H.O.P.E.

Before you contact your mortgage lender, you may quickly complete an eligibility test at: www.MakingHomeAffordable.gov
This test will readily give you a good handle on your eligibility for a modification through the government sponsored Home Affordability and Stability Program (HASP). You can obtain a list of mortgage lenders and services through: www.HopeNow.com

What if I don’t qualify for a mortgage modification, can’t afford my home, and owe more than it’s worth?

First off, you’re not alone. Foreclosure is not the only option. If your mortgage lender or server won’t work with you to reduce your payment, you may wish to consider a Short Sale. Service Providers like us, Certified Distressed Property Expert® Designation, have extensive training in how to process and negotiate Short Sales. A Short Sale gives you the freedom to take charge of your situation, allows you to sell your home for less than what you owe on it, and avoids foreclosure. Speak to one of our market experts today to see if you qualify.

What is a Home Affordable Refinance?

Simply put: If Fannie Mae or Freddie Mac owns your mortgage, you may be eligible for a Home Affordable Refinance. This option allows you to refinance your home and will often lower your monthly payment.

What are the qualifications for a Home Affordable Refinance?

Following the guidelines released by the government resources, the list of qualifications is as follows:

  • You are the owner occupant of a one- to four-unit home
  • The loan on your property is owned or securitized by Fannie Mae or Freddie Mac (see Useful Links)
  • At the time you apply, you are current on your mortgage payments (you haven’t been more than 30 days late on your mortgage payment in the last 12 months, or if you have had the loan for less than 12 months, you have never missed a payment)
  • You believe that the amount you owe on your first mortgage is about the same or slightly less than the current value of your house
  • You have income sufficient to support the new mortgage payments, and the refinance improves the long-term affordability or stability of your loan
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