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Selling a house in foreclosure in Florida.
Florida foreclosures go through the court system, which means there are filings, deadlines and a judge involved before any sale of the home.
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Foreclosure · Florida
How it works in Florida.
Florida is a judicial foreclosure state. Chapter 702 of the Florida Statutes requires mortgages to be foreclosed in equity through the courts, so the lender files a lawsuit in circuit court and the homeowner is served with a summons and complaint. If the court enters a final judgment, the clerk of court schedules and conducts a public sale. Because each step happens on the court record, you can see where your case stands by checking your county clerk's docket.
Many Florida homeowners explore selling while a case is pending. The first step is usually a calm conversation with your loan servicer about payoff figures, loss-mitigation options or a short sale. A free HUD-approved housing counselor can help you understand your choices, and a Florida attorney can explain deadlines in your case. Please be cautious with anyone who asks for upfront fees or asks you to sign over your deed to save your home.
Florida specifics
What to know in Florida.
Foreclosure runs through the courts
Section 702.01 of the Florida Statutes requires all mortgages to be foreclosed in equity, and the case is heard by a judge without a jury. Residential foreclosure complaints must also show the plaintiff's right to enforce the note under section 702.015.
Responding to the summons
After a foreclosure lawsuit is filed, the clerk issues a summons. Florida courts commonly give homeowners 20 days after service to file a response; if no response is filed, the lender can seek a default. A court self-help center or attorney can explain your exact deadline.
Right of redemption
Under section 45.0315 of the Florida Statutes, a homeowner can redeem the property by paying what is owed until the later of the clerk filing the certificate of sale or the time set in the final judgment. After that point, the statutory right to redeem ends.
The clerk's sale
After a final judgment, the clerk of court sets the sale date and publishes notice of the sale. The clerk then conducts the sale and issues a certificate of sale, followed by a certificate of title if no objections change the outcome.
Limits on deficiency judgments
Under section 702.06, a deficiency judgment is within the court's discretion. For owner-occupied residential property, any deficiency cannot exceed the judgment amount (or outstanding debt in a short sale) minus the property's fair market value on the sale date.
This is general information, not legal or tax advice. Rules can change and every situation is different, so confirm the details for your case with a Florida attorney or the appropriate office.
Your options
There is more than one path.
Work out a solution with your servicer
A repayment plan, forbearance, or loan modification may let you keep the home. These options take paperwork and patience, and approval is not certain. A HUD-approved housing counselor can help you prepare and submit an application.
Sell with an agent or through a short sale
If you have equity and enough time, listing on the open market may bring the highest price. If you owe more than the home is worth, a short sale needs lender approval and can take a while. An agent experienced with foreclosure situations can explain what is realistic.
Explore offers through Doorbloom
You can share your home's details for free and hear from independent investors and real estate professionals, which some homeowners find simpler, especially when a home needs work. Offers may be below open-market value. Doorbloom cannot stop a foreclosure, and any sale still has to be completed and the loan paid before the foreclosure sale.
How it works
Three clear steps.
- 1
Tell us about your home
Share the address, condition and your timeline. It takes about a minute, and we only ask what is needed for the next step.
- 2
Review who is interested
Real estate investors and professionals review your home. You see who they are before anyone gets your contact details.
- 3
Choose your next step
Talk to the people you want, compare your options, or decide not to sell. There is no pressure and no obligation.
Questions
Questions from Florida homeowners.
Is Florida a judicial or non-judicial foreclosure state?
Florida is judicial. State law requires mortgages to be foreclosed through the courts in equity, so the lender must file a lawsuit in circuit court and obtain a final judgment before the clerk can hold a sale.
Can I still sell my Florida home after a foreclosure case is filed?
In many cases, yes. Homeowners often sell or pursue a short sale while the case is pending, working with the servicer on payoff or approval. The right to redeem generally lasts until the clerk files the certificate of sale or a later time set in the judgment, so talk to an attorney early about timing.
What is the right of redemption in Florida?
It is the homeowner's right to pay off what is owed and keep the property. Under section 45.0315, it lasts until the later of the clerk filing the certificate of sale or the time set in the court's judgment. After that, the statutory right ends.
Where can Florida homeowners get free foreclosure help?
Start by contacting your loan servicer and a free HUD-approved housing counselor. Florida Housing Finance Corporation, the state housing finance agency, lists foreclosure prevention resources for homeowners. The Florida Bar Lawyer Referral Service can connect you with an attorney.
Is Doorbloom buying my house?
No. Doorbloom is a platform that connects Florida homeowners with real estate investors and professionals. Any offer comes from them, and nothing is binding until you sign a purchase agreement.
What does it cost?
Creating an account and telling us about your home is free for homeowners.
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