Serving Duval · Clay · St. Johns Counties
Receiving foreclosure notices is frightening — and you're probably already getting calls from investors trying to buy your home at a discount. Howard is different. He's a licensed REALTOR® whose only job is to help you understand your options, protect your equity, and get the best possible outcome for you.
How Howard Helps
From the first call to closing, Howard handles the details so you can focus on moving forward.
Howard reviews your situation personally — your loan balance, current value, timeline, and goals. There's no obligation and no judgment. Just an honest conversation about your options.
Howard provides a detailed Comparative Market Analysis to understand your home's true market value. This determines whether a traditional sale, short sale, or another path makes the most sense for your situation.
If a short sale is the right path, Howard manages every step — preparing the short sale package, communicating with your lender, and negotiating the best possible outcome. You don't deal with the lender alone.
Your property is listed and marketed to qualified buyers. Howard presents all offers, keeps you informed, and coordinates with the lender and title company through a smooth, on-time closing — ending the foreclosure threat for good.
About Howard
When you're facing foreclosure, the last thing you need is a real estate agent who doesn't understand the process. Howard E. Spencer 5th specializes in pre-foreclosure and distressed properties throughout Northeast Florida — bringing experience, discretion, and genuine care to every situation.
Homeowners trust Howard to give them straight answers. Attorneys refer clients knowing Howard understands the legal timeline and the urgency involved. He knows the Jacksonville market, knows the lenders, and knows how to get results when time is running out.
What People Say
"I didn't know I had any options left. Howard sat down with me, explained everything clearly, and we ended up doing a short sale. It saved my credit and gave me a real fresh start. I'm so grateful."
"Howard handled the entire short sale negotiation with our lender. We never felt left in the dark. He communicated every step of the way and the lender approved the sale faster than we expected."
"When I was referred to Howard by my attorney, I was overwhelmed and embarrassed. He made me feel like a person, not a problem. Sold the home, avoided foreclosure, and moved forward."
Free Resource
A plain-English guide to understanding your rights and your options when your home is in default — written specifically for Jacksonville homeowners facing this situation.
Know Your Options Before
The Clock Runs Out
Resources & Insights
Florida is a judicial foreclosure state — that means the lender has to go through the courts. Understanding the timeline gives you more power to act before options disappear.
The difference between a short sale and a foreclosure isn't just financial — it's the difference between a controlled exit and a public record that follows you for years.
A lis pendens filing means your lender has officially started the foreclosure process. It's not over — but here's exactly what steps to take immediately.
Every day in default is a day with fewer options. Call Howard today — free, confidential, no obligation.
Get in Touch
Free consultation — completely confidential. Howard responds within 24 hours, often same day.
Completely confidential. Howard will be in touch shortly.