If you are behind on your mortgage or facing foreclosure in Northeast Florida, you are not alone. Randy Swihart has helped thousands of homeowners find a path forward through short sales, loan modifications, loss mitigation, and other solutions.
40+
Years in Real Estate
30+
Years in REO & Short Sales
7
Counties Served
24/7
Texting Available
How We Help
Every homeowner's circumstances are different. Whether you need to act fast or have time to plan, we will walk you through every option and help you choose the best path.
Time is critical. Learn the immediate steps you can take to halt foreclosure proceedings and protect your home, including loss mitigation and loan modification options.
View your optionsWhen your mortgage balance exceeds your home's value, a short sale may allow you to sell and move forward with less financial damage than foreclosure.
Explore short salesFrom deed-in-lieu agreements to loan modifications and cash-for-keys, we negotiate with lenders on your behalf to find the best resolution.
Discuss your situationA loan modification can change the terms of your mortgage to make payments more manageable. We guide you through the application and negotiation process.
Learn moreWith decades of experience working with banks, asset managers, and servicers, Randy knows both sides of the REO process inside and out.
See Randy's backgroundProudly serving homeowners in Duval, St. Johns, Clay, Nassau, Putnam, Flagler, and Baker counties throughout Northeast Florida.
Check your area
Meet Randy Swihart
Randy founded University Realty in Orlando in 1987 and established Florida REO Services of Jax in 2007, just as the housing market was crashing. He has worked on both sides of the REO process, including inside banks like WAMU and Chase.
As a licensed Mortgage Broker (NMLS# 1851106) and Florida Real Estate Title Agent (A259313), Randy brings a depth of knowledge that few agents can match. He has worked with FHA, VA, Fannie Mae, Freddie Mac, Chase, CitiBank, and many other institutions.
The Process
We make it easy to get the help you need. No judgment, no pressure, just honest guidance.
Call, text, or fill out the contact form. Texting is best for a quick response. We will listen to your situation without judgment.
Randy will explain every option available to you, from loan modifications and short sales to deed-in-lieu and more, so you can make an informed decision.
Once you choose a path, we handle the negotiations, paperwork, and coordination with your lender. You stay informed every step of the way.
Service Areas
Duval, St. Johns, Clay, Nassau, Putnam, Flagler, and Baker counties. If you are a homeowner in Northeast Florida facing foreclosure or mortgage difficulties, we can help.
"If you are looking for a seasoned agent who understands the wants and needs of Asset Managers, Portfolio Managers, and Servicers, please feel free to contact me at any time. My phone is always on."
Randy Swihart, Broker-Realtor · CRB, CSSE, CDPE, SFR
Get Help Today
You do not have to face foreclosure alone. Fill out the form and Randy will personally review your situation and reach out with your options.
No obligation. Completely free consultation.
Your information is kept strictly confidential.
Texting is best for a fast response.
Thank you for reaching out. Randy will review your message and get back to you as soon as possible. For the fastest response, call or text (844) 963-4808.
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