Legally reviewed by · Florida Bar #1049132 · verify·Reviewed

Anonymized precedent · South Florida · 2026 Q1

Strategic departure — $412K of equity preserved before removal

How an immigration firm used SaveMyHomeTrust to convert a client's home into an irrevocable land trust before departure, closed a 120-day bridge for carrying costs, and left the family in place under an independent trustee.

Home value
$612K
Equity
68%
Bridge closed in
9 days
Equity preserved
$412K

Scenario

Client (removal order dated Jan 12, 2026), 47, has owned a single-family home in Miami-Dade since 2013. First-lien balance ~ $196K. Estimated market value $612K. Spouse and two U.S.-citizen children plan to remain in the home for six to twelve months while the client relocates and the family finalizes their exit.

Equity structure

  • Property transferred into an Irrevocable Land Trust vested to the client's trust ID.
  • 120-day bridge of $180K opened against the trust for PITI, HOA, maintenance, and attorney fees during conversion.
  • Family-hold structured as an Independent Trust with an independent trustee — not the bridge-liquidation trust.
  • Exit plan: private sale within 120 days OR long-term Non-QM DSCR refi to convert to rental cash flow to the trust beneficiaries.

Timeline

  1. Day 0 — Attorney intake, eligibility gate passes on equity.
  2. Day 1 — Mini-title + BPO ordered; consent + engagement letter e-signed.
  3. Day 3 — Trust drafted; reviewed by Sorrentino Law Firm PLLC.
  4. Day 5 — Lender packet broadcast to 5 broker desks.
  5. Day 9 — Bridge approval; funds wired into Sorrentino IOLTA.
  6. Day 14 — Independent Trust established for family; family in place.

Outcome

$412K of equity preserved for the beneficiary trust, family stayed in the home through the conversion window, and the file closed within the 14-day lender window with no fallback needed. Immigration firm collected its $1,499 flat referral share; Sorrentino Law Firm PLLC collected trust-drafting + trustee fees per the standard fee ledger.

Credits

  • Immigration firm of record — anonymized "Firm A"
  • Trust drafting + reviewer — Sorrentino Law Firm PLLC
  • Bridge lender — undisclosed Non-QM broker desk (per NDA)
  • Platform — SaveMyHomeTrust.io (DBA of DetencionDefensa.com, Inc.)

Required disclosures

Equity funding, bridge capital, and any HELOC or Non-QM proceeds arranged through Save My Home Trust are subject to third-party lender approval within seven (7) to fourteen (14) calendar days from packet submission. If no lender approves the file within that window, a Standard Irrevocable Land Trust will be created and the client will appoint an independent trustee at no additional cost. Save My Home Trust does not lend money and does not guarantee funding.

Save My Home Trust and its affiliates accept matters only where (a) the subject property has sufficient equity to support the 120-day conversion window for rental or sale, OR (b) the client has sufficient reserve capital to carry the property (PITI + HOA + maintenance) for one hundred and twenty (120) days during that conversion window. Files that satisfy neither will be declined at intake.

Any property that will continue to be occupied or maintained by the client's family after the client's departure must be established as an Independent Trust with an independent trustee — not a Save My Home Trust bridge-liquidation trust. Independent Trust matters are drafted, reviewed, and executed on-platform; funding and disposition are directed by the appointed independent trustee.

Anonymized composite; not legal, tax, or lending advice. SaveMyHomeTrust.io is a DBA of DetencionDefensa.com, Inc. Not a law firm. Legal review by Sorrentino Law Firm PLLC.