HomeAgain · a Caliber Trust program
Behind on your Florida home? You may not have to move out.
With HomeAgain you sell the home to Caliber Trust and receive a written, contractual right to buy it back on agreed terms by an agreed deadline. Qualifying homeowners may stay in the home under a lease while that window runs.
- Written agreement
- § 501.1377 right to cancel
- Independent counsel encouraged
The plain version
Here is the whole deal, without the brochure language. You sell your home to Caliber Trust at a negotiated price. At closing, the sale proceeds pay off your mortgage and any liens against the property — that is what resolves an active foreclosure case, or a pending tax deed sale. You then lease the home back from us and keep living in it.
Written into that lease is an option: for a defined window, you have the contractual right to buy the home back at terms agreed on day one. It is not a loan. We are not catching you up on a mortgage, and we are not your servicer. It is a real estate sale with a lease and an option attached, and it may be the right tool for some Florida homeowners — not all.
You keep the ability to stay, a resolved case at closing, and a time-bound right to return to ownership. You give up ownership itself during the lease, any appreciation until you exercise the option, and the option lapses if you do not exercise it in time. We would rather you read that sentence twice than sign anything once.
“Tell us about your property — we’ll respond with options or honest reasons why we can’t help.”
— Caliber Trust, West Palm Beach
Where you are in the process
Florida foreclosure runs in stages. HomeAgain only fits some of them.
The strip below is the judicial process for a mortgage, in order. Tax deed and HOA cases run on their own timelines. Stage lengths marked “typical” vary by county and case — check your docket for the real dates.
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01
Lis pendens filed
20 days to respond · Fla. Stat. ch. 45HomeAgain can look at the numbers now. Call your servicer about a modification or forbearance first — it is usually cheaper.
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02
Judgment
Typical
The court can set a sale date. HomeAgain is still possible if the equity is there, and closing must happen before that date.
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03
Sale date set
Typical
Options narrow. A sale-leaseback has to close before the sale to resolve the case; if it cannot, we will say so.
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04
Sale
Typical
Once the home sells at auction there is nothing left for HomeAgain to buy from you. We cannot help at this stage.
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05
Certificate of title
Typical
Title passes to the winning bidder. Not a HomeAgain situation — an attorney can tell you what, if anything, remains.
-
06
Surplus
Typical
If the sale brought more than was owed, Fla. Stat. § 45.032 lets you claim the surplus through the clerk. Not a HomeAgain transaction.
At any stage where HomeAgain does fit, the agreement carries a written right to cancel under
Fla. Stat. § 501.1377 — typically
The ledger
What you keep. What you give up.
What you keep
- 01
The ability to stay in your home under a lease instead of moving out.
- 02
A resolved mortgage and foreclosure case at closing rather than an ongoing default.
- 03
A contractual, time-bound right to buy the home back — something a straight sale to a third party would not give you.
What you give up
- 01
Ownership of the property at closing. You become a tenant, not an owner, during the lease.
- 02
Whatever future appreciation happens on the home, unless and until you exercise the repurchase option.
- 03
The certainty of a fixed monthly rent versus a mortgage payment you may have had more control over.
- 04
If you don’t exercise the option before it expires, it lapses, and you do not own the home.
Important risks
- You are selling the property. Title transfers to the buyer at closing.
- If you do not exercise the buy-back right in time, you may permanently lose ownership.
- Lease default may lead to eviction through the appropriate Florida court process.
- There is no guarantee you will be able to obtain financing to exercise the buy-back.
- Our counsel represents the company, not you. Seek independent legal advice, and consider a HUD-approved housing counselor at (800) 569-4287 — free, and on your side.
One program. You may hear it called PathBack, HomeBridge, Stay & Return — it is the same written agreement.
- Second Chance Home
- PathBack
- Stay & Return
- HomeBridge
- Fresh Start Buy Back
- HomeKeeper
- Reclaim Home
- Restart Home
- The Comeback
- Right to Return
Marianna, Florida
Questions
Common questions
- Is this a loan?
- No. HomeAgain is a sale-leaseback, not a loan — ownership transfers at closing and you become a tenant with a repurchase option, not a borrower with a new mortgage.
- What if I have very little equity?
- HomeAgain generally works best when there's meaningful equity left after payoffs and closing costs. If there isn't, we'll tell you and point you to other options rather than pursue a deal that doesn't help you.
- Do I have to decide today?
- No. There is no obligation from filling out the form, and you should take any written offer to an attorney or a free HUD-approved counselor before deciding.
Get in touch
Tell us about the property.
A few minutes. No cost, no obligation, and a real person reads every submission.
Three plain statements
- 01
This is a sale transaction if accepted.
- 02
There is no guarantee of foreclosure prevention, repurchase, or refinancing.
- 03
You should seek independent legal advice, and you are strongly encouraged to contact a HUD-approved housing counselor at (800) 569-4287.
Important disclosures
- This is a sale transaction if accepted.
- There is no guarantee of foreclosure prevention, repurchase, or refinancing.
- The homeowner should seek independent legal advice and is strongly encouraged to contact a HUD-approved housing counselor at (800) 569-4287.
Caliber Trust is not a lender, mortgage servicer, credit counselor, or law firm, and nothing on this site is legal, tax, financial, or bankruptcy advice. A buy-back transaction may be an alternative for some homeowners — it is not a substitute for bankruptcy, which may be the right option depending on your circumstances. Title transfers to the buyer at closing; if the buy-back right is not exercised in time, you may permanently lose ownership. Our counsel represents the company, not you.
Florida Statute § 501.1377 provides foreclosure-rescue contract cancellation rights in certain transactions; specific cancellation terms are provided in writing with each applicable agreement. Read the full Foreclosure-Rescue Disclaimer.