In Florida, foreclosure happens through a court-ordered process. After 120 days of missed mortgage payments, the lender sues you, leading to a trial and judgment. If the court rules in favor of the lender, your home is sold at auction within 30-45 days. You typically have until 10 days before the auction to catch up on payments and save your home. If sold, you'll need to vacate the property, and the lender may seek a "deficiency judgment" for any remaining debt. This is a simplified overview, and seeking legal advice is highly recommended if facing foreclosure.

DISCLAIMER: We do not offer legal advice. Consult with an attorney.

• The foreclosure process timeline can vary significantly: It generally takes between 8 and 14 months in Florida, but several factors can affect this, including:
  • Your response to the foreclosure: Contesting the foreclosure can lengthen the process.
  • Court schedule and workload: Busy courts may cause delays.
  • Complexity of the case: Unclear ownership or title issues can prolong it.

Remember, facing foreclosure is a stressful situation. Consulting with a qualified housing counselor or foreclosure attorney is highly recommended to understand your rights and explore the best course of action for your circumstances.

DISCLAIMER: We do not offer legal advice. Consult with an attorney.

That depends on your circumstances. Please contact us for further evaluation.

DISCLAIMER: We do not offer legal advice. Consult with an attorney.

Sometimes foreclosures can be resolved through loan modification, short sale, forbearance, repayment plan, deed in lieu of foreclosure, sell the house outright, etc.

DISCLAIMER: We do not offer legal advice. Consult with an attorney.