Foreclosure Bailout Refinance
Refinance the foreclosing loan before the auction — based on your equity, not your credit.
Call (727) 642-1166Refinancing when the bank says no
Once a property is in foreclosure, a traditional refinance is usually out of reach: the late payments and the lawsuit show on your credit, and banks move slowly. A foreclosure bailout refinance replaces the foreclosing loan with a new loan based on the property’s equity, so the case can end and you keep the property.
Bailout loan rules
Credit score not required
We understand your credit is not in good standing.
Income not always required
Ideally you show you can cover the new mortgage — but it is not required.
All property types
All residential and commercial real estate types are eligible.
50%–65% LTV
Your payoff should be no higher than 50% of the property value; in some cases up to 65%.
$150,000 minimum
No maximum loan amount.
Funding in days
Not months — built for auction deadlines.
Your equity matters more than your credit. If your property has substantial equity, you may have financing options even when a bank has declined your application. Because the loan is based on the property — the payoff can be no more than 50% of its value, in some cases up to 65% — the equity is what makes the loan possible.
After the bailout
The bailout loan is breathing room. With the foreclosure stopped, you can repair your credit and refinance with a traditional lender later, or sell the property on your own terms and keep your equity instead of losing it at auction.
How a bailout loan works
Frequently Asked Questions
Can I refinance a house in foreclosure in Florida?
Yes, with a bailout loan based on your equity — no credit score is required.
How much equity do I need?
Your payoff should be no more than 50% of the property value; in some cases up to 65%.
What is the smallest loan you do?
$150,000, with no maximum.
Can I refinance a commercial property in foreclosure?
Yes — all residential and commercial property types are eligible. See commercial foreclosure bailout loans.
What happens later?
You can refinance with a traditional lender once your credit recovers, or sell on your own terms.
Need to refinance out of foreclosure? Let’s look at your numbers.
Call (727) 642-1166Commercial Loans Florida, Inc. · 1155 South Pasadena S, Suite H, South Pasadena, FL 33707 · Call (727) 642-1166 · Monday–Friday, 9:00 AM–5:00 PM EST · NMLS 1283562. We are a lender, not a law firm — for legal advice about your foreclosure case, talk to an attorney. All loans are subject to underwriting and approval.