A Letter To My Homeowner Friends and Families...

Hello, my name is Leo Miranda, and I'm the founder of You Keep Your Home. Like many of you, I have personally experienced foreclosure in my own family and to tell you the truth, two of my aunts are still paying rent to this day since 2010. I understand the stress and fear that comes with it. That’s why I started this business—to offer a different kind of help and approach, one that genuinely focuses on keeping families in their homes where they belong. I don’t want your house, thank God my family already has a place to crash and I feel very fortunate to have a place to go every day after work. It is a small yet very comfortable 3b/2b apt on Baymeadows near Philips Hwy… 

Facing the possibility of losing your home is incredibly stressful, and during such times, you might feel bombarded by offers from investors. I want to take a moment to discuss a different kind of opportunity, one that genuinely aims to keep you in your home rather than seeing you move out. Move out to where? Hotel? A Rental? You are going to have to pay if you move out or not, so it is better to stay where you are… I am NOT here  to offer you cash for your home. The house is yours, your shelter, your shield, I want you to keep and stay living there.  

You might be feeling overwhelmed with offers from people looking to buy your home at a low price during this tough time. It’s important to recognize that many see an opportunity in your distress. However, I see a chance to help you maintain ownership and the life you've built around your home. My journey into this business began through my own family's struggle with foreclosure. We faced the very real possibility of losing our home, and through that process, I learned a lot about the various intentions of investors. It struck me how a practice that’s over two centuries old could be so narrowly focused on profit, often ignoring the homeowner's plight. I decided to change that by focusing on solutions where both the homeowner and the investor, like myself, can benefit without the former feeling exploited. 

 I know you’ve likely heard from others who claim they want to ‘help.’ It’s important to understand that while their words are carefully chosen to sound supportive, many are primarily interested in buying your home at a low cash offer price to turn a profit. These investors often learn techniques from seminars and online videos that teach them never to reveal their true intentions. They look at your situation as a chance to make money, not to provide a real solution for you and your family.  

Our approach is simple yet profoundly different. For a one-time fee of about $3,000 and a fair interest rate of 12.25% APR (May Vary) over 60+ months, we can help bring your mortgage and related payments (Taxes, Cars, Insurances, Utilities…),  up to date. This isn’t just about money—it’s about creating a sustainable path forward so that you can continue to live in your home with peace of mind. Depending on your equity I can even help with future payments for a couple of months…  

 Here’s exactly what we offer: We’ll temporarily hold the deed to your home—this is purely a formal step to secure the arrangement. You won’t move out; you’ll stay in your home and keep paying your existing mortgage + our agreed service fee to my business, we make sure all your payments are paid before or on time. The only change from your current situation is an additional monthly amount of $100 - $150 or so, (May Vary. Depending on the loan amount needed.) which goes towards settling your overdue payments and maintaining the arrangement.  We’ll handle the temporary transfer of your home’s deed—this is a standard security measure to safeguard the arrangement.

 Yes, your deed and your mortgage are completely different from each other. Importantly, you stay in your home, and you keep paying your mortgage as usual to my business + our agreed fee.. The additional amount you pay each month is designed to cover the funds used to stabilize your financial situation. Transparency is the foundation of my business. The temporary transfer of the deed is a protective measure, common and clear in its purpose. You will always have the option to buy back into the agreement fully at any time, no prepayment fees and once the repayment is complete, the deed will be transferred back to you without any further obligation (You must pay the small County fees for transferring back…) . This process is designed to be as straightforward and supportive as possible.  

I started this business not just to offer help. I also need to make a little profit so I can keep helping others and together,  build a community where we support one another in times of need. Let's work together and help other homeowners keep and stay in their homes where they belong. By helping you, we both gain—rather than stripping away your assets, we work together to ensure we all emerge stronger from tough situations. Let's have a detailed discussion to go over your specific needs and how we can help. My goal is not just to offer help, but to provide a solution that keeps you in your home, giving you and your family the peace and stability you deserve.  

I invite you to sit down with me to discuss how we can tailor this solution to fit your specific circumstances. Let's explore how we can keep your home within your family and secure your financial future.  

Having been in a situation similar to yours, I know how hard it can be to trust amidst such uncertainty. I am here to offer an honest, reliable, and mutually beneficial solution. Let's work together to turn a difficult situation into a hopeful future.

  I understand it’s hard to trust, especially when so many are out for their own gain. I am here to provide clear, honest answers to any questions you might have. Let’s talk about how we can genuinely assist you, without the risk of losing your home to profit-driven motives. 

 I’m here to answer any questions you might have and to show you how we differ from others who have approached you. Let's work together to find a way forward that keeps you in your home and on stable financial ground.

  Other things to consider are that by helping you pay your bills on time, your credit score will soon give you more opportunities and soon you may even be able to get a loan from a credit union or bank at lower apr and pay off our agreement and gain control of your life again. I want your best. I can share with you things I do to keep my credit score high close to 800, a few years back it once was 385. Also you can help me find other homeowners in your situation and I pay you commission…  

 If you feel that you want to move out or give up on your house, there are other things we can do together, maybe fix it up and flip for a better profit, or rent it out… Something, the last thing is to surrender your family’s only asset to a bank…  Remember, I am just a micro investor who wants to make it different for the good of my community…